WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a dispute with Experian, XXXX and XXXX concerning the dismissed bankruptcy that should be removed from my report. They have not removed it as of XX/XX/18. 

This bankruptcy was filed under the false advice of my attorney who stated that it would allow my home arrearage to be lowered and to save my house from foreclosure. As you will see from the attached letter that I sent to my trustee, my attorney failed to act appropriately and in my best interests which eventually led to my having the case dismissed and ultimately turning over my house in a deed in lieu. 

The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.
I received a letter from XXXX XXXX that I had not paid the bill for the XXXX XXXX. XXXX XXXX is in bankruptcy. I had not received a bill by mail or email. I immediately paid the bill over the phone on XX/XX/2018.My credit score has gone from XXXX to XXXX. I want an this fixed and my credit score up to  XXXX. I have contacted XXXX and I have file a complaint with Wi consumer protection and the tell me they forwarded case noXXXX to you. I di receive a letter from XXXX XXXX   that I have XXXX balance but that does dot take. Are of my credit score. I also see they have many complaints against them
I recently checked my credit report through XXXX XXXX and noticed a Derogatory mark on XXXX. Also my credit scores dropped XXXX points. 

The collection agency is I C System ( {$160.00} balance ) and Original creditor is XXXX XXXX XXXX ( Opened XXXX XXXX, 2017 ) I have never opened any account with any of the companies owned by XXXX XXXX, such as XXXX XXXX or XXXX. 

This is obviously a case of identity theft or gross negligence on the part of I C Systems, who have erroneously misidentified me as the holder of this debt.
In order to manage Trust account XXXX XXXX XXXX referred Compass BBVA Compass. Like the account before I move compass Had Been comprised via Home, Auto and Mail.Describe what happened so we can understand the issue ... 
At XX/XX/XXXX and XX/XX/XXXX, I deposited {$120000.00} and {$40000.00} it appears I was steered to the service in order to access fund via electronic charges and guardianship paper there stolen as a minor from my home by extended family. it seem more than just XXXX card was assign to XXXX a account as well. 
Product Bank account or service : Checking accountIssue Deposits and withdrawals
I keep getting calls demanding I pay {$43.00} for a book they claim I recieved from 'XXXX ' over 7 years ago. I do NOT have this book. I told them this more than once. They say I need proof I dont have the book. They call ALL the time. They are rude. I asked them to send me proof I owe this debt. They did n't. I do NOT have any books from XXXX. I think they are trying to scam me.
XXXX & Experian continue to report public record items their vendor XXXX is no longer reporting in blatant violation of the FCRA. Additionally, Experian has maliciously thru deceptive practices hidden the identity of their public records vendor in an effort to harm consumers ( ( EXPERIAN PUBLIC RECORD SETTLEMENT Case No. XXXX ( XXXX. XXXX ) and Case No. XXXX ( XXXX. XXXX ) United States District Court for the XXXX XXXX of Virginia ) ) I am requesting CFPB investigates these matters ... 

XXXX PUBLIC FILINGS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian PUBLIC FILINGS XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
My ARM mortgage was transferred from XXXX XXXX XXXX to Nationstar Mortgage 3 years ago. 
Initially it was very difficult to establish an online account. 
Since the account was created I have been asked to change the password several times. 
And every time the password has changed the amount of emails that I received and advertisement by mail regarding refinance has increased tremendously. They have also accessed my facebook account with such nonsense. 
Nationstar 's recent demand to sign up in the account is to provide my social security number, which I refuse. 
They have all my information on file, there is no need for this request. 
Therefore I have not access my online account for the past two months, sending my payments by mail. 
My request is for Nationstar 1. To stop the harrassment 2. Demands of social security number is illegal and should be stopped 3. The monthly statement is incomplete ; it does not contain the length of the loan term
I have disputed with Experian three times. Each time I have asked for verification of items on my credit report. I have not received how they performed the process. I have asked. I have letters sent by certified mail and their response. The last time Experian responded they told me they verify but did not provide it. That is not what the FCRA extends to consumers. Also, I did not receive it in fifteen days as per  FCRA. I did receive a response but not verification. If they have the records it is my understanding that they need to provide it when I ask. I do not owe XXXX XXXXXXXX XXXX anything. They have not verified with me either. I refuse to pay a debt to a collector I have nothing to do with. I also refuse to pay a debt I do not have proof is mine. If this debt is mine I want proof and they have not provided it. My letters have been specific. A debt that is not reporting correctly is inaccurate. should I have said that? I have included the last letter with Certified Mail # it also contains the second letter I sent Experian as it's like they just tossed it in the trash.
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX  XXXX XXXX Account # : XXXX I was never late 30, 60, 90 or 120 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ) and also ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
The mortgage company Ocwen stated my house was in bankruptcy and took the payment history completely off my credit report. Please see attached bankruptcy the house was never in bankruptcy. I would like them to show my payment history and that it is not in bankruptcy this is effecting my XXXX XXXX and credit history. I am a Surviving spouse of XXXX XXXX XXXX member.
Got no response, this Agency have continued to report unverified, and unvalidated information on my report
Good Day, I received the attached letter from the XXXX XXXX XXXX, informing me of a credit score. I am not aware of any credit issues, and I would like to receive a copy of the Credit Report.

I have tried on line, as well as via telephone, however, i am unable to process my request, as I do not live in the US, and therefore do not have a Social Security #. 

Is there another method for me to obtain the Credit Report, without having a Social Security #? 

Thank you. 

XXXX XXXX XXXX XXXX XXXX
I was using XXXX XXXX for the first time using my Chase Visa card I called Chase to verify that I hat I would be protected for any purchases made through XXXX XXXX and was told that any transactions made on my credit card I was protected. I never received the product I have not been able to get in touch with the seller I put a dispute in through Chase two months ago and got a call back yesterday saying they could not help me I explain to them that I had called Chase before I made the purchase to verify that I was protected for this purchase and the Chase agent stated that it would be protected. I stated this to the agent that called me yesterday XXXX XXXX, I asked him to look at my records and see that I made the phone call and bring it to a supervisor is before they reapplied the charge to my account they did not! They replied to charge without even a second phone call. Regards, XXXX XXXX
Transunion was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX
I accepted an offer from Big Picture Loans for {$1500.00}. I wanted to pay it off before the first payment was due and called them to do so. They accessed my savings account instead of my checking account and the payment did n't go through. The payment was for {$1900.00}, I spent over 1 1/2 hours on the phone with them being transferred and transferred until I finally gave into the crooks and paid them {$1900.00}. At one point they even got my bank on the phone and my bank verified all of the information that they had but they still accessed the savings and not the checking account. After 1 1/2 hours speaking to people that could barely speak English I gave in and paid the additional monies before I lost my mind. They are crooks and should n't be allowed to do business with anyone.
i applied for HSBC Master card over internet, was approved and have confirmation e mail.then welcome e mail and 2 letters came, then PIN letter and e mail came and finally i got card itself [ ends XXXX ] .i activated over the phone as advised on card letter and went to local XXXX XXXX for food.all i spent is {$1.00} but card was rejected so i used other card. i called customer care # XXXX and was told they off till XXXX next day.i went and again activated card over hsbc.com/activateus, as it was 2d option on card sticker. received e mail saying : card is activated and ready to use again but to be on safe side i choose chat option and waited 3 hours until it was answered just to learn that i must call to fraud department and agent XXXX said i do not know what to do [ i have copy ] since it is frozen. # i got is:XXXX.i called XXXX today and was told it is international call so i went back to chat.this time i got # XXXX, of fraud department.i was on hold since XXXX till XXXX, when i walked to branch of HSBC and showed them ringing phone.Manager Mr.XXXX XXXX called himself and we all spent 3 hours on hold then he gave up and said : it is unusual.No kidding.Now they have my S.S number, driver license, D.O.B. last working place etc. and all i have is useless card i can not use.Please help.I am XXXX person and do not need that aggravation besides i learned now this bank being hacked daily.
Company repeatedly calls about 4 times a day and then from blocked numbers. Company left a message with  private information on the voicemail. ASked the comopany to only contact me through mail. The company would call my employer and repeatedly call my phone. The company was notified of the loss of my daughter and was told to give the family time before contacting them and they still continued to call making comments like " OK and she still owes this debt '' Very insensitive about the passing away of the primary driver of the car.
I applied for TD Bank XXXX card on XXXX/XXXX/14. They had an offer ending XXXX/XXXX/14 stating that I should receive {$100.00} in cash back rewards after spending {$500.00} or more within first XXXX days. I have spent more than {$500.00} within that timeframe, but have never received this bonus. I have already filed a claim to CFPB and TD Bank replied that XXXX points were credit on my XXXX 2014 statement. But that response was incorrect because there is no XXXX points credit on my XXXX 2014 statement. My XXXX 2014 statement only includes 5 % cash back from spending categories XXXX purchases at grocery stores and gas stations XXXX.
XXXX XXXX XXXX XXXX were calling me last year about this debt which I was sick last year with XXXX XXXX and never made a payday loan with check n go, so they were calling me everyday stating that they were going to go to my place of employment and serve me court papers if I do n't call them, and also calling my husband threating him because they never could talk to me, due to me having XXXX, so RS, put this on my credit report, and I have disputed this with XXXX, but it is stil on my report
I have had ongoing issues with HFC and they remain unresolved : 1. I am on a approved temporary modification and applied for a permanent modification. I have been denied even after my appeal. The reason HFC gives is my income is too high. It is the same income that they used to approve my modification in XXXX. I followed the appeal process and asked for the real reasons for denial. I was provided nothing! Just the same baseless reason of income. 
2. I requested on XXXX XXXX, XXXX a complete printout of my payment history since the inception of my loan. I requested this as I was to see how my payments have been applied. I have over {$15000.00} in deferred interest and I want to verify how that balance came to be so high. I have still as of today not received my payment history request. I have made this same request of other lenders and they provide the request within a few days with no issue. 
3. I received in the mail the other day a corrected XXXX Interest statement form from HFC. This is XXXX XXXX and they send me a corrected interest statement stating " NO INTEREST PAID IN XXXX. '' How could I have paid no interest? I am on a loan modification with a 2 % interest rate. My payments were spread between interest and principal. I have already filed my taxes and now out of the blue I get a corrected XXXX? There is no letter or explanation for this corrected tax form. 
4. Since I requested the payment history once again my account is locked. I ca n't see what I owe. I have not received a bill for XXXX XXXX. I do n't understand why when I request something my account is instantly locked? I have received no phone calls and still after 74 days not a simple payment history. I am requesting the payment history so I can have it reviewed by a professional. I do not trust that HFC has acted in a honest manner with my account. If there was nothing to be found then why does it take 74 days and counting for a payment history? Why do I receive in the mail a corrected XXXX? 
5. I have not received a bill from HFC for this month ( XXXX XXXX ). My account is locked so I ca n't view the bill and no bill has been mailed? 
6. Every dealing I have had with HFC/Beneficial/HSBC or whoever they are has been just like this. They appear to be able to do whatever they please with no regard for the consumer and what it is like to be on the receiving end of this constant, never ending harassment. 
I trust that eventually my cries for justice will be heard.
I am filing this complaint because TransUnion has ignored my request to remove the listed UNAUTHORIZED inquires from my credit report. I have contacted every creditor and they have reassured me that these inquiries should be removed immediately as they were submitted without my permission, yet the Credit Reporting Agency continues to list inaccurate, misleading and unverifiable information. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
I am the cosigner on the loan for my son. My son graduated XXXX XXXX with a private loan debt {$170000.00} and federal loan debt of {$35000.00}. My son pays the federal and I pay the private. The grace period was requested, however due to financial hardships the account was reported as 180 days past due in XXXX XXXX although over {$6000.00} was paid for XX/XX/XXXX. Regular monthly payments were made as coordinated with the NJCLASS telephone representatives. During a telephone conversation with a NJCLASS representative the amount disclosed for the payment was not clearly identified by myself after a number of confirmations. The confirmed amount that I recorded for the payment was {$1000.00} whereas the amount requested by XXXX XXXX was {$1900.00}. After numerous telephone calls to NJCLASS for the scheduled payment for a number of weeks, each representative informed that the recorded telephone conversation were being reviewed. All attempts to pay the approximately {$900.00} discrepancy were not accepted by NJCLASS representatives and internet access to the account was no longer available. I was never contacted concerning the discrepancy of {$1000.00} and {$1900.00} and the account was directly handed to collections, the attorney office. 
After the account was forwarded to collections, regular monthly payments of over {$14000.00} have been made on this account to collections, attorney office. A number of attempts have been made to refinance this account, however NJCLASS first listed on credit report as " failure to pay '', however updated to " In collections '' which a number of private loan financing with not process. I am still attempting to locate a reputable loan financing company that will process this private student loan. The collections, attorney office, charges additional interest daily which has increased the loan to over {$200000.00}. My issue is the account should have never been forwarded to collections due to the miscommunication in the payment and no consideration was given to allow me provide the amount requested.
I HIRED A MOVING COMPANY IN MA TO PICK UP AND DELIVER SOME OFFICE FURNITURE IN ME. THEY SENT ME AN AGREEMENT VIA EMAIL TO SEE IF IT LOOKS GOOD I REPLIED YES. THE ESTIMATE WAS FOR OVER XXXX AND I GAVE PERMISSION TO CHARGE ME XXXX FOR THE INITIAL DEPOSIT AND UPON DELIVERY I WOULD GIVE THEM CASH IN HAND FOR THE REMAINING BALANCE. THE MOVING COMPANY WAS ONLY AN HOUR AWAY FROM THE LOCATION OF PICK UP. THEY WERE ONLY THERE FOR 30MIN AND DETERMINED THEY COULD NOT TAKE THE OFFICE CUBICLES APART BECAUSE THEY WERE CUSTOM MADE ONSITE SO THE GIRL CALLED ME AND WE AGREED TO JUST KEEP THE DEPOSIT. LATER THAT DAY I WAS CHARGED XXXX ON MY DEBIT CARD FROM THEM AND I CALLED AND EMAILED THEM AND THEY WOULD NOT REPLY. I FILED A CLAIM WITH BANK OF AMERICA AND 45 DAYS LATER THEY GAVE THE MERCHANT BACK THE MONEY. BOA SENT ME LAST MINUTE SUPPOSEDLY SIGNATURES SIGNED BY ME IN ANOTHER STATE AND TOLD ME BECAUSE IT WAS SIGNED THEY HAD TO PAY THE MERCHANT. I NEVER AUTHORIZED ANYONE IN ANOTHER STATE TO SIGN ON MY BEHALF, THE MOVING COMPANY EVEN ADMITTED THAT THEY HAD IT SIGNED BY SOMEONE ELSE WHICH WAS NOT TRUE. BOA PAYED THEM MORE THAN WHAT THE APPROXIMATELY EST WAS. I NEVER RECEIVED THE MERCHANDISE. I ASK BOA TO LOOK AT MY SIGNATURE CARD IT DOES NOT MATCH AT ALL, THEY PROMISED TO EXPEDITE IT AND THAT THEY WERE NOT GOING TO TAKE ANY MONEY OUT OF MY ACCOUNT BECAUSE IT WAS EXPEDITED AND THE NEXT MORNING THEY STILL DID. I WANT MY MONEY BACK IN THE ACCOUNT AND BECAUSE OF THIS FRUSTRATION I HAD TO GO WITH ANOTHER BANK COMPANY AND TRANSFER EVERYTHING AND ORDER ALL NEW CHECKS FOR MY BUSINESS ETC. I HAVE NEVER MET A BANK THAT DID N'T GO TO BAT FOR THERE CLIENT AND OVER THE PAST 3 YEARS I HAVE PUT XXXX OF DOLLARS THROUGH THERE BANK. IF I DO N'T GET COMPENSATED FOR MY PAIN AND SUFFERING AND GET MY MONEY BACK AND HAVE ACTION TAKEN AGAINST THIS MOVING COMPANY I WILL GO TO THE XXXX XXXX, I WILL FILE A LAWSUIT AND I WILL FILE A COMPLAINT WITH Senator XXXX XXXX. I CAN BE REACHED AT XXXX XXXX XXXX XXXX
On X/X/2017 I contacted XXXX XXXX of the XXXX XXXX XXXX XXXX This was the email I sent after shortly finding out that they were a fraud student loan company " Hi, My name is XXXX XXXX XXXX and you can reach at XXXX XXXX. I wish to cancel this loan agreement because is agreement is incorrect in regards to the information that was provided. I was mislead and I want to cancel. After reading the BBB reviews and complaints you guys are not the type of company I want to deal with please reverse everything! '' They then sold my contract to another company called XXXX XXXX XXXX in California in which I repeatedly asked them not do because I was going to stay with XXXX after finding out about their fraudulent company.
Per advice with a consumer credit counseling agency, on XXXX XXXX, XXXX I filed for the consolidation of my federal student loans as well as for XXXX. In XXXX XXXX, I was notified that my monthly payments would be {$30.00}, which was higher than the {$0.00} figure my counselor had estimated, but still found that managable. When I signed into my account on XXXX XXXX, XXXX, I saw that my monthly amount was now listed as {$270.00} and some odd amount of change. I called FedLoan 's XXXX number, and I was told that the {$30.00} figure was prior to my loans being consolidated and that I would have to re-apply for REPAYE. By how the information read on FedLoan 's webpage, they would consolidate first, then apply the income-based repayment plan afterwards. After submitting my re-application and some processing, I got notice on XXXX XXXX, XXXX that my monthly payments would be {$100.00}. While I have experienced a {$1.00} per hour pay raise at the start of the year, my counselor has commented that the amount that has been re-estimated should not be nearly that much. Needless to say, I am not very happy with FedLoan and both my counselor and I will be talking to them very soon.
I am a victim of identity theft. I submitted all documentation to Experian in regards to these XXXX accounts, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX which included my police reports, ID, Social Security card, proof of residence and affidavit. These accounts should have been blocked and deleted from my file. They are still present.
Amex with XXXX membership solicited a interest free introductory period which in my case was until XXXX 2015. XX/XX/XXXX the interest rate was to start accruing, however Amex has been double billing interest as well as finance charges on my account. I contacted them at least XXXX time to speak with a customer service representative which has been documented. They initially credited my account for XXXX of the interest rate charges and they backed them back into my account. I have only made purchases on this account and should not have been billed XXXX different interest rate charges as attached. This is in violation of their disclosure statement which clearly states the rate of interest at 15 % and there are not any disclosures which allow them to double bill interest rate : Your current annual interest rates as of XX/XX/XXXX:15.24 % Purchases25.24 %
Midwest recovery systems is fraud Im on full medical with medicare and medicaid I have XXXX XXXX. My doctors are aware of this false debt that I dont owe. I request its moved immediatley.
On XX/XX/XXXX XXXX XXXX XXXX XXXX -XXXX XXXX, Ohio XXXX made 12 inquires on my credit with 12 different financial institutions. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

They also were suppose to pay my car off that I upgraded from XX/XX/XXXX XXXX XXXX. It says I have a balance of {$10000.00}. 

The large amount of inquires and the high balance affected my credit score a lot. I have attempted to contact the finance manager on the matter leaving voicemail stating these issues and NO reply back.