WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax is reporting inaccurate public record ( bankruptcy ) on my personal credit report. This information is incorrect and in fact XXXX has conducted a investigation and the results came back as deleted as this information is inaccurate! Equifax is stating they are getting their information form a third party ( XXXX ) but this can't be true! for one my personal information is surpassed and frozen so how are they getting this information. Further more I have a letter form the courts that states they do not verify with any credit reporting agencies or third parties! 

I am requesting the removal of this bankruptcy on my Equifax credit report due to Civil Case No. XXXX, XXXX XXXX , XXXX XXXX., v. XXXX XXXX XXXX XXXX XXXX, I did not know the source of their information on those judgments and bankruptcies and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy & judgement ASAP. 

Since this is a request and not a dispute, I would like to receive confirmation that this bankruptcy & judgment listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.
My credit report shows the mortgage still open when it was closed on XX/XX/2019. I contacted Freedom and they shiw it closed but the report is nit updated, whuch affects my credit rating negatively.
Ive attempted to use my credit card ending in XXXX with Continental Finance, however, charges are declined recently and in the past when there is more then enough available credit. This is a fairly new card, I suspect the rep ( s ) I spoke to activate did not in fact activate the card. Its also possible they will not activate card due to a payment being due, I had a previous experience in attempting to order a new card, reps would not order due to a payment being due. I need card activated and or ab ability to make purchases
I am currently a year and a half into rebuilding my credit. I have worked hard to resolve all outstanding issues and to gain and use new credit responsibly. My current scores range from XXXX, FICO, to almost XXXX dependent on the bureau pulled. My credit profile, while new and I work quickly to restore my credit, has multiple trade lines, all in good standing with very low utilization and perfect payment history, totaling almost XXXX in revolving credit. I started with secured and low credit line store cards, and have worked my way up to my first top tier rewards card I recently was approved for, a XXXX rewards world XXXX with a XXXX limit. My goal now is to phase out many of the rebuilding cards, secured, and store cards and move forward with sustainable products which make sense moving forward in my life. Discover it was one of the few cards on my goal list to have as a permanent credit product. I applied and was denied for an unsecured card, yet approved for a card with a co-signer. I am not in a place in my life where I need to or feel comfortable asking someone to co-sign on a credit card. I respectfully asked if Discover had a secure product, one in which I give my money as collateral for an equal line of credit to establish history, get my foot in the door, and help me build towards an unsecured discover product. I was told I did not qualify. How is it possible I can qualify for a top tier XXXX card with a XXXX limit, XXXX k in total unsecured credit, installment credit, a new car loan for XXXX @ 8 % ... ... .yet not qualify for a secured discover card with my money securing the line of credit??? I have respectfully asked for this to be reconsidered as I have already taken the credit inquiry but discover will not budge. I fell 1 ) that this policy and decision makes zero rational sense and 2 ) discover has failed to provide any reason which lends credibility to this decision. Thank you.
XXXX, XXXX and Trans Union are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
On XX/XX/2019, I was emailed a letter of suspension for a mortgage I had applied for with DHI mortgage.The suspension letter contained a listed of documents I would need to provide in order for a credit decision to be made on my file. Some of the documents had previously been provided but one in particular required I visit the county clerks office in a different area of the state. 

My suspension letter includes a required timeframe to produce the documents of 5 days. It was also suggested to me verbally to shop some other lenders who may have different approval requirements. I then arranged to take a vacation day from work to drive to the clerks office but also began to shop other lenders. 

On Tuesday XX/XX/XXXX, I was notified by another lender that they could approve my loan with different requirements. I immediately requested my FHA case number to be transferred, DHI replied that they would transfer the loan, no other information was provided. 

On Wednesday XX/XX/XXXX, I was notified by DHI that I had to pay {$700.00} before my file could be transferred to my new lender for an appraisal. I had not been notified of a completed appraisal nor had my agent or anyone outside of DHI for that matter, no signed reciept for the appraisal had been made by my agent. At this point there was actually serious concerns about the loan being funded at all, yet the appraisal was not postponed. Regardless I delivered the check to the builder in the early afternoon. 

Approximently 20 minutes after delivering the check for the transfer I was sent an email that I had not met the required conditions from my suspension notice for approval and had been officially denied. I was notified by DHI that they had actually sent my file back into underwriting without the required documents needed in the suspension letter. In a later email I was also told that the document that underwriting had requested were different than what was included in my suspension letter. My letter asked for a payment transcript but the underwriter had requested a verification of mortgage. 

DHIs suspension letter states that if I do not provide the required documentation within 5 days that no loan decision could be made. Yet in an email the loan officer stated that the file had been re-submitted ( without giving me the opportunity to provide the documents ) and a decision had been made. 

I believe that DHI prematurely made a credit decision without the required documentation as retaliation for changing lenders.

DHI reported a FHA case denial to HUD without giving me the opportunity to even produce the documents needed to make a credit decision, when I decided to use a different lender, all but sealing my fate for a complete denial of an FHA loan.
I Have Multiple accounts showing on my report that do not belong to me from XXXX XXXX XXXX XX/XX/XXXX {$8600.00} XXXX XXXX XXXX {$1400.00} XX/XX/XXXXXXXX XXXX {$1100.00} XX/XX/XXXXXXXX XXXX   {$800.00} XX/XX/XXXX XXXX  {$590.00}XX/XX/XXXX XXXX XXXX XXXX {$530.00}XX/XX/XXXXXXXX XXXX XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX{$0.00} balance
On XXXX XXXX, 2017 I contacted Bank of America regarding debit card fraud on my account. My debit card and licenses were both lost and found or blantely stolen. The thefts were able to deposit three checks, one worth {$1000.00}, {$360.00}, and {$330.00}. Before this i only had {$620.00} in my account originally, the users withdrew all of what they deposited plus my {$620.00}. I contacted XXXX when i realized the activity on my account and reported fraud and for them to turn my card off immediately. They basically told me they could refund me about {$76.00} the following day for the minor chargers however for the larger charges It would take them some time to investigate so on so forth. They also told me they were sending me a new card. The following day they did credit {$76.00} into my account like promised. On Monday XXXX XXXX, my friend transferred {$490.00} into my account. I checked my online banking account and saw my account was in the negatives by {$390.00}. I contacted XXXX immediately to see what the issue was considering i dont have a card and I havent written any checks nor touched my account so I was confused. They essentially told me that those chargers were covering the fraud checks that were deposited into my account although I filed a claim against those on Friday in addition to whoever was handling my claim then, told me that the checks didnt even clear into my account and It would just take a few business days for them to refund my {$620.00}. Today they told me It would take 60 days and now my account stands at - {$1300.00} for checks that i did not write or authorize.
I have a loan and escrow account with Huntington bank. I recently found out that there are two insurance policies wrongly attached to my loan so I got a double charges which cause a shortage in my escrow account. I have talked to my loan initiator XXXX XXXX ( phone is XXXX and email is XXXX ) who said the 2nd policy will be removed from my loan within SLA XXXX hours but it didn't happen for the first time then made 2nd request still didnt happen. They violates SLA twice back to back. I called XXXX XXXX XXXX ( XXXX ) directly. A representative XXXX took my call and promised to call me back but never did. 
I raised the issue in XXXX now XXXX month has been gone, still nothing is resolved ...
I hate to bother you for something so small but I have tried everything from calling to emailing to complaining but Wells Fargo refuses to fix the UNFAIR redemption policy.
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THE UNFAIR PRACTICE : It is VERY UNFAIR that you can ONLY REDEEM in {$25.00} increments.
No other credit card, that I know, has such a condition.
It is inherently UNFAIR because it always will leave customer SHORT.
If the customer has over {$25.00} or under {$25.00} rewards balance, the customer will always be short and never able to redeem the FULL amount that customer has RIGHTFULLY earned.
It is virtually impossible for the customer to get exact {$25.00} redemption amount, because redemption amounts are calculated at various different levels of 1-3 % of purchase.
I received notification from my credit monitoring service that my score went down 50 points because this debt collection agency report inaccurate information for a debt I have already paid.
My last attempt to clear my debt with Carecredit/synchrony Bank. So it would seem after numerous attempts to get a settle amount ( no more interest charged ) above the ridiculous interest rate of 25 % after the offer expired. The loan I paid for 2 years every month taken out of my account was exactly the same as when I began because of the interest XXXX. XXXX. Now the debt has been sold to a third party with an answering machine? This was after three phone calls as to where the account was. If Carecredit can sell of there bad accounts and not be responsible for good business practices, it will be difficult would be difficult to see on paper how they are taking advantage of signing up for the credit when your animal is hurt or at the dentist. Again bad business as far as I 'm concerned.
I have underwent a home loan modification with CitiMortgage. The agent explain to me as long as I make the XXXX payment ontime they will not report me negative to the credit bureau 's. But overall, I have been trying to get this matter cleared up since the long modification went through on my home. I made all payments on time and have not been late on payments since this modification. I have yet to get Citi Mortgage to hold their end of the agreement to make a correction to my credit report. Please help in this matter. I have been hung up on by several rep 's with no showing of concerns.
XXXX XXXX is a tribal payday loan company. I took a loan with this company but found out they are illegal to do business in the state of Florida after the loan was taken. I reached out to XXXX to delete the loan immediately from my credit files since they are not licensed to do business in FLorida. The company refuses to adhere to my state laws.
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
I received a letter from Citibank informing me that I could submit a claim to be included in the lawsuit against them regarding their identity theft monitoring product. However, the website address in the letter took me to a page that does not exist. I spent a half hour searching the web and making phone calls trying to find the correct web address. I called Citibank at a number I got from the internet ( there was no phone number in the letter ) at XXXX. The agent there had no idea what I was talking about and gave me the number for the FTC ( XXXX ). They also had no idea what I was talking about, and gave me the number for the Consumer Financial Protection Bureau. I spoke with XXXX, who supplied the correct web address XXXX and I successfully submitted a claim. All of this took 28 minutes. I then spent another 10 minutes filing a complaint with you about the misdirection perpetrated by Citibank in the letter they sent me about filing the claim. All in all, this cost me nearly {$50.00} because my time is worth {$75.00} an hour. 

Sincerely, XXXX XXXX
XXXX XXXX keeps calling non stop I have ask them to please stop as I have just XXXX my sister and my husband had to take a pay cut of XXXX weekly ask to please stop and I would pay I am having XXXX XXXX now and I am under XXXX XXXX I need just a bit of time XXXX XXXX till I turn my phone off at night on average daily I get 15to30 calls from them back to back. I do n't know what to do.i have had as many as 72 calls a day from this place
There is a dismissed bankruptcy on my credit report that belongs to my father. We share the same name, however he is XXXX XXXX XXXX, and I am XXXX XXXX XXXX. I have never filed bankruptcy. I have repeatedly attempted to have this information corrected, to no avail. Equifax claims to have " verified '' the information..
Halsted Financial Services called my cell phone on XX/XX/XXXX and XX/XX/XXXX while I was at work. Did not identify themselves as debt collectors and attempted to get  personal information. When I refused to provide them with the information, they threatened to keep calling me until I answered their questions. Then on XX/XX/XXXX I received a dunning notice from them. The notice was backdated to XX/XX/XXXX in an attempt to limit my time to respond and request for verification of debt.
I have had problems disputing charges on my card multiple times and today I called 3 times on XX/XX/2018 and they won't even let me dispute charges for {$39.00} that was charged to me and I'm not recognizing the charge and they just will not allow me to dispute it and this is being billed to me every month so I'm losing out on {$40.00} every month and they will not allow me to fight it I've contact the merchant who doesn't speak English and calls me XXXX which is not my name
I went to my bank and they told me that my account was frozen and gave me the number to NATIONAL JUDGEMENT RECOVERY CENTER A  COLLECTION AGENCY XXXX. 
I called them and they just ignore me and they won't return my call. I don't owe this agency any money and have not had any debt in over 18 years. I WAS NEVER SERVED ANY TYPE OF PAPERS, I WAS NOT CONTACTED. I CALLED THE COURTS AND THEY DON'T HAVE ANY JUDGMENTS ON ME.I don't know why my bank, XXXX would allow them to freeze my account. 
PLEASE HELP ME THIS IS SO WRONG THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICE ACT
My ARM rate increase on XXXX caught me by surprise. I did not receive any notices while the bank had my current mailing address, email, and telephone number. With the online account management, there was no notification documents there. Monthly statement on XXXX was too late as a notice required by my rate change agreement, and the rate change was inappropriate without notice. 
Worse yet, all of XXXX, the " current rate '' was misleadingly outdated. I refinanced on XXXX after learning about the increase from the statement in the middle of XXXX, and I paid .625 % higher rate for XXXX full month and 22 days in the payoff month. It does not add up with my " current rate '' updated only in XXXX My payoff included the principal balance and a full month of increased interest, and I was only refunded six days if interest.
In XX/XX/XXXX I clicked a link on web to apply for Citi AAdvantage Plantum Select Master Card with offer to earn XXXX XXXX XXXX AAdvantage bonus miles after making {$3000.00} in purchases within first 3 months of account opening. ( see printout of ad that I clicked attached ) Account was approved XX/XX/XXXX and I activated card on XX/XX/XXXX. By early XXXX I had spent MORE THAN the {$3000.00} requirement for Bonus Reward No bonus miles appeared on XXXX Statement. No bonus miles appeared on XXXX Statement. I placed a phone call and I was told to be patient because it could take up to 3-months for the bonus miles to be issued. In XXXX still no bonus miles. I called again on XX/XX/XXXX and filed complaint. I was now told that I was not eligible for the bonus offer because I had opened or closed another Citi AAdvantage card in the past 24 months.
I replied that I had not opened or closed any account and I was told that they would investigate.
On XXXX XXXX I received the attached letter again stating that I had opened or closed a similar account. I called on XX/XX/XXXX and spoke with XXXX who confirmed dispute. I told her that I DID NOT OPEN OR CLOSE ANOTHER CITI AADVANTAGE ACCOUNT IN THE LAST 24 MONTHS. I told her that they must tell me specifically what account they are referring to because I have no such record. She escalated my dispute. On XX/XX/XXXX I received another letter from Citi AAdvantage NOW CONFIRMING WHAT I HAD BEEN TELLING THEM ALL ALONG " WE HAVE NO RECORD OF ANY XXXX XXXX  ACCOUNTS CLOSED IN THE PAST 24 MONTHS ''.
Horray! So I waited till next statement for my miles and STILL NO BONUS MILES. On XX/XX/XXXX I called them again and I spoke to XXXX. Now I am being told that my Bronze AAdvantage card is causing confusion on the miles posting. I do have an existing Bronze card but that would not disqualify me from the bonus offer because it was not opened or closed in the last 24 months. ( this was also confirmed during previous conversations with customer service ). XXXX filed another dispute. On XX/XX/XXXX I now get another letter from Citi AAdvantage. NOW THEY SAY THE OFFER I RECEIVED WAS FOR A LIMITED TIME AND THE EXPIRATION DATE CAN NOT BE EXTENDED. This is crazy!!!!! While I have been trying to resolve this issue for the last 5 months the offer has expired. And even though they admit that I should not have been disqualified from receiving the bonus now I can not get the bonus because the offer expired????? I called again on XX/XX/XXXX and spoke with XXXX who told me there is nothing further she can do for me. Bottom line here is that I was qualified for the offer. I made the required purchases within the time window, but due to the Bank 's inaccurate records and mis-information I was given over the last 5 months and the time it took to patiently wait for the promised bonus and then dispute non-receipt of such bonus they can not give me my bonus because the offer expired???? I would like resolution of this matter. I followed the required actions for bonus miles. Citi XXXX up. Citi should honor their offer. Thank you.
I have been trying to get incorrect information off my credit report and by doing so I noticed they continue to add items that do not belong to me. I am getting frustrated, I understand my name is somewhat common but my social security number is NOT. Experian is now reporting even more things that are NOT XXXX. It appears as I try to get these mistakes off my report they just add more to make things even more complicated.
Under the terms of a time share contract with XXXX XXXX XXXX, XXXX XXXX XXXX, a XXXX time share company, my husband, XXXX XXXX, and I with the help of our attorney exercised our rights under the contract, cancelled it and returned ownership of the time share to the company. A USA time share company which books and exchanges time share units. Without permission or any right, XXXX billed us for services relating to the time share unit which we no longer own. We disputed directly with that company and its debt collecting agent, XXXX XXXX XXXX , XXXX of XXXX, NC that no monies were owed. However, XXXX XXXX XXXX reported XXXX different debts on our credit reports as if these were our obligations. XX/XX/2015, we disputed with the CRA 's and XXXX and XXXX deleted these accounts. However, Transunion continues to wrongfully report these obligations. Many people have complained to the XXXX and online that XXXX. is engaging in fraud and a scam and trying through a collection agency, to get money paid when no money is due. Because my computer is not working, I am filing this complaint through my attorney 's computer.
Experian has lied and claimed that there is no enough evidence to support my claim, well I am about to submit proof as to how the XXXX XXXX XXXX account was not mine and why all accounts associated with it are not mine. XXXX XXXX XXXX claims the account was charged off in XXXX by someone named esquire, myself, and a XXXX XXXX. In XXXX XXXX of XXXX, I was married to XXXX XXXX who became XXXX XXXX. In XXXX of XXXX, all her accounts were changed to her married name including a student account she had with XXXX XXXX XXXX. I am attaching a few pictures of her card showing this. Now explain to me why I should not sue you for the XXXX you have cost me XXXX. Give me a XXXX 60 day response and I will make sure court papers are filed the next day. You were caught committing a felony and should be charged but we all know heartless souls like those at Equifax bought all the agiencies that oversea them.
Wells agreed to a loan modification ( approximately a $ XXXX/mo change on a {$3000.00} payment, and required XXXX payments prior to completing the loan modification. I made the XXXX payments and now Wells is considering not going through with the loan modification. In plain language, they lied, and should they back out they will have committed theft ( {$9000.00} from XXXX payments ) and then they will foreclose on an upside down house for which I have been paying since 2008 and have agreed to keep on paying.
Amazon purchase XXXX was a purchase of XXXX, minus promotion XXXX, minus rewards points of XXXX. Receipt total {$8.00}. I was billed ( not pending ) {$23.00}, the item has not shipped. Amazon says it will change when shipped to {$8.00}. So until then I have a charge on my account for the full amount, assuming the change the price and issue a credit to my account. Amazon thinks this is a normal practice, the credit card can only dispute the charge. I do n't think this is legal, but I could be wrong, someone is making money on this money in " limbo '' and someone is paying for it. Please feel free to call me if required XXXX, Please let me know what will happen. Please fix this practice it 's just not right!