WillisBack/dataset-financial-user-claim huggingface dataset:
Experian, I enclosed XXXX different reports from them, same creditorXXXX- XXXX XXXX account to be removed XXXX XXXX XXXX XXXX XXXX account, XXXX reports, XXXX completely different storiesI thought this creditor would be gone, so glad I checked the report. The American public has no trust in these bureaus to do the right thing when you are not watching them. I did and look what happened, they keep bogus reporting on to sell profiles to make money
I checked my credit report in XX/XX/XXXX when I saw a collection from Clark County Collection ( 10 NV ENERGY ). I immediately disputed the reported information as invalid since I initially thought it was related to a missed payment. However, after further investigation I learned that the account in dispute was for an unknown address. Further, I filed police reports with the XXXX XXXX XXXX Police Department for accounts opened with XXXX XXXX and XXXX XXXX. The investigation took over 6 months and was dismissed the Clark County Collection ( aka ) XXXX XXXX as Valid since, I did not have a POLICE REPORT attached to the complaint, rather a complaint number ( which I was given ). I received a letter from XXXX XXXX stating that the Identity Theft complaint was closed because I submitted the complaint number. BOTH fraudulent accounts were billed to address I do n't live at nor, have I ever lived there and the suspect was named however, the Police failed to arrest the individual stating that they denied the theft. I too XXXX statutorily too long to resolve the complaint and they have not provided any evidence of how they verified the authenticity of the accounts as required by law. Subsequently, I want the item removed from My CREDIT report
This company, which I hold no contract with nor have received services from, reported collection accounts found on my credit report from XXXX XXXX XXXX for the amount of $ XXXX, $ XXXX and $ XXXX. I've contacted the debt agency in XX/XX/2017, for more information regarding these debts and could not get in contact with a representative. These debts were fraudulently placed on my report without my consent and does not show proof of validation that it is mine. I've requested validation of said debt accounts showing my signature, however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services, nor have they provided adequate proof I am not obligated to pay for this alleged debt. Under section 611 ( a ) ( 5 ) ( A ) ( i ) states that all 3 credit reporting agencies must have the original signed paperwork in their physical possession before they can report it on said credit file. No paperwork with my signature was furnished to me as proof of validation. I've requested validation by mail and was provided what I've attached to this complaint ; which is a direct violation of The Health Insurance Portability and Accountability Act of 1996.
dates from XXXX XXXX XXXX TO XXXX XXXX XXXX EQUIFAX AND XXXX CREDIT BUREAU OVER THESE MONTHS I HAVE DISPUTED FOR ACCURACY AND VERIFICATION AND VALIDATION OF PUBLIC RECORDS, NEGATIVE ACCOUNTS AND INQURIES THAT WAS UNAUTHORIZED. NOT ONLY DID I DISPUTE THESE ITEMS BUT I REQUESTED FOR THE METHOD OF INVESTIGATION AND I REQUESTED FOR CERTAIN ACCOUNTS TO BE CHECK FOR ACCURACY AND IF THEY WAS, TO PLEASE UPDATED THEM IN MY CREDIT REPORT AND TO EXPLAIN HOW THEY WERE VERIFIED. OVER 3 SEPERATE DISPUTES I REQUESTED THE SAME REQUEST AND THEY NEVER DID. WHICH IS A VIOLATION OF THE FCRA.. THEREFORE THE ARE OVER THE 30 DAYS DISPUTE ON EVERY DISPUTE I FILE. I ALSO FILE DISPUTE FOR INQURIES AND THEY NEVER DISPUTED THEM. WHICH IS A VIOLATION OF THE FCRA.. THEY ARE ALSO OVER THE 30 DAYS. EQUIFAX HAVES DISPUTES THAT I SENT THEM, THAT THEY NEVER DISPUTED AND THEY ARE NOT FRIVOUS DISPUTES I AM REQUSTING THAT THEY DELETE AL THE NEGATIVE ITEMS THAT DISPUTE FOR NOT VERIFYING THEM WITHIN THE 30 DAYS, OR I WILL FILE COURT INJUNCTIONS AND CIVIL SUITS AND MORE COMPLAINTS. ALSO COMPLAINTS ITH THE ATTORNEY GENERAL. THESE ARE THE ACCOUNTS THAT MUST BE DELTED. THEY ARE ALSO INVOLVE IN FRAUD 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX PUBLIC RECORDS 1. TX BANKRUPTCY XXXX 2. TX BANKRUPTCY XXXX 3. MO BANKRUPTCY XXXX INQUIRIES ARE THE INQURIES THAT I DISPUTED. I ALSO REQUESTED A FREEZE ON THESE CREDIT REPORTS AND SOMEONE IS STILL GETTING INQUIRIES FROM MY CREDIT REPORT AND THEY JUST DONT CARE. THESE COMPLAINTS THAT I AM FILING IS VERY TIME COSUMING BUT IF THEY CONTINUE TO WASTE MY TIME, THEN THEY WILL PAY WITH LAW SUITS
I reviewed my credit with a Agency and XXXX XXXX is not providing the accurate scores and correct information from Transunion, XXXX as I review my credit score with a agency. My credit scores with a Financial Institution lender it reads as follow withTransunion XXXX, XXXX XXXX and XXXX XXXX. XXXX displays Transunion XXXX and XXXX XXXX it does n't display XXXX. XXXX XXXX is misleading Consumers and our Military Veterans on credit scores and credit accuracies I have a free membership with XXXX XXXX. I am providing my XXXX XXXX information to Federal Government for evidence. My Log id XXXXXXXXXXXX Password XXXX XXXX XXXX credit scores and information are misleading.My credit score of XXXX is way of XXXX is misleading.Also I was mislead on credit card referral as XXXX XXXX states that my credit scores was good to get a XXXX XXXX credit card and when I applied I was denied and declined by XXXX XXXX Credit Card.
This complaint is not about items on my credit report. Experian has my credit score fluctuation up and down XXXX points during the course of every month and has done so for the past 6 months. I inquired about the fluctuation because there has been no change in postings on my report in months. I was informed that I have one credit card account that has a recurring {$26.00} balance that I pay off every month is the cause. This explanation was based of their FICO Score XXXX model. There solution was not to pay off the credit card each month. The problem with that solution is that I incur a {$37.00} fee if I do not pay off that small balance. This solution is not workable. There was no other explanation. I suggested to the representative that this did not make sense. If she was indeed correct I was being penalized repeatedly for responsibly using credit. She said there was no other explanation. If you could assist me in correcting the problem or getting a reasonable explanation as to what is happening I would very much appreciate it.
I tried to reach out to all three credit bureaus to remove the hard inquiries from my credit report XXXX XXXX XXXX and  Transunion but they refuse not to
A debt collection agency, XXXX XXXX XXXX, contacted us and said my husband took out a loan from them and owes a balance of {$890.00}. He did not receive a loan from this company.
I made a commitment to Chase bank in XX/XX/2018 submitting two payments to the same payee via online bill pay. However Chase bank failed to honor the agreement, the payee is demanding proof of payments or the mailing envelops in order to waive the penalty {$930.00}. When asked, Chase bank refuses to provide me the envelops, due to the fact that the two payments were never sent in the first place.
I received a conventional XX/XX/XXXX ARM rate term refi XX/XX/XXXX from XXXX XXXX XXXX with no escrow for taxes and hazard insurance as I elected to pay them on my own and have no trouble doing so. I did however have to have PMI due to the appraised value being slightly lower than expect and the PMI payment was $ XXXX./mo. I had been paying XXXX principle and interest plus $ XXXX./mo for perhaps 8 months before the servicing was sold to Specialized Loan Servicing, ( SLS ). 
SLS, now stated that I am " short '' on my PMI escrow account due to there not being any reserves for PMI and are they adding the shortfall to my monthly payment. In fact they have suspended a normal regular payment and charged me a late fee besides before my calls fixed that. 

Where Im at now is, SLS states to me that they are allowed to charge me extra for a cushion on the PMI as they consider it an escrow account. I know this is n't right, but after many calls even to upper management, the issue is n't resolved. 
I would like to know what your take is on this. I thought before I notify CFPB ( never thought I would want to contact them on purpose ), I would see what you can advise me or if you know something I do n't on this. 
I have the statement and escrow shortage statement if you would like to see them. 
I also am concerned that even if SLS clears my issue, how many other consumers do n't realize whats going on and I would like that looked in to as well..
There is an amount of {$630.00} on my XXXX that shows on my credit report that i think is a mistake, it does not show on my XXXX report, i am not sure but it could be a XXXX bill that my insurance probably paid late but it was PAID. If it is, how do i dispute it or make it disappear from my report, there is no phone number for me to contact the collection agency or so. Thank you
I was a Chase Bank credit card customer. 
Yesterday, Chase Bank closed all my credit card without any notification. 
Next day, I called to Customer Specialist and she said my account was closeddue to 1 ) Limited credit history, 2 ) High utilization. 
I could not understand XXXX reason to close my account. 
1 ) Limited credit history? 
This credit factor was already reviewed when I applied the credit card. 
They already knew my credit history. However, they closed due to limited credit history? 
2 ) High utilizationThe reason why I had a lot of expense is my engagement. 
Because me and my fianc planned to travel to other states. 
Also, when I called to the customer center and security department due to using my credit card, nobody told me about high utilization. 
I am really wondering why Chase Bank closed my account before due date. 
My due date is XXXX. And I could afford to pay full payment even month ( I made a full payment today ). 
Chase bank consider me as a risky person even though my due date is not coming? 
I think many people have a time to have a lot of expense. 
But I always using the credit if I could make a full payment. 
I am upset because they consider me as a risky person even though I can easily pay for it. 
The reason why I used Chase Bank credit card is that I would like to build good relationship with Chase Bank. After this event, I am searching similar case with Chase. And I was shocked there a lot of case they closed account WITHOUT NOTIFICATION. 
Thank you.
I applied for my free credit report from Transunion using the government form from annual credit report.com and sent it in and got back the stock we can not find you but to provided documents which is did and they are my latest paycheck stub and my latest bank statement showing my current address and I get back a stock letter staying proof is unacceptable as it was to old? so how can the current pay check stub and bank statement not current and requesting to sent in the same documents why? can I get my report I provided the information and Transunion can find me with out any problem and again every year I have this issue why is the government allowing these companies get away with this type of behavior and have so much control over our information
In XXXX 2016, XXXX sold my mortgage to Nationstar Mortgage. In addition to the normal mortgage, I had an obligation to pay {$390.00} for the cost of an interim property insurance policy, which debt was assigned to an escrow account. In XXXX 2016, I sent an additional {$500.00} payment to Nationstar to cover the {$390.00} escrow debt, with the expectation that the excess would be applied to my mortgage. However, Nationstar applied the {$500.00} incorrectly to my loan principle, leaving the {$390.00} escrow debt ( for the insurance policy ) unpaid. When the next regular payment cycle started, my " amount due '' showed as {$390.00} greater than it should be. 
I 've tried, on XXXX separate occasions, to work with Nationstar to get the problem corrected, and they always assure me they 've fixed the problem, but every month, the situation is exactly the same. They seem to be incapable of correcting this error, nor will they refund me the misapplied {$500.00}. If I call them again, they 'll just do the same thing they have the past three times, whatever that may be, and nothing will be fixed. I have never missed a full payment. The only deviation was when I sent an additional payment to close out the escrow debt, and now I can not get them to correct their mistake. I need some help with this. Thanks.
There were fraudulent transactions on my debit card. The new perpetrator also had my PIN ; my card was used at an ATM and to purchase airline tickets. I reported the fraud to Wells. They deactivated my card. They conducted an investigation but denied my claim. I now have a negative balance. The fraudulent transactions total over {$1000.00}. I will have to call Wells Fargo loss prevention denied my claim, presumably because I refused to answer the same questions again and again to WF employees in different departments. I will deplete my account to near XXXX but, of course, the account will remain open until this has been resolved to my satisfaction. Banks and credit unions in this country are corrupt and will play a major part in our eventual economic collapse. I will provide further information and documentation, should you require it.
IHAVE MUTIPLE IN QUIRIES THAT I HAVENT AUTHORIZE I HAVE APPLIED FOR CREDIT IN A YEAR HAVE MUTIPLE INQUIRES ON  XXXX  CREDIT  XXXX , EQUIFAX,   XXXX   FILE BANKRUPTCY DISCHARGE AND HAVENT USE OR GAVE ANYONE MY INFORMATION SEEN ALL TYPES OF INQUIRES THAT I HAVENT REQUESTED.
My identity has been compromised, and the credit reporting agencies is not making it any better. I'm still dealing with the damage of losing my ID. I would really appreciate if the following inquiries were removed from my credit report. I have no knowledge of these inquires whatsoever. ( 1 ) XXXX XXXX - XX/XX/XXXX, ( 2 ) XXXX XXXX-XX/XX/XXXX, ( 3 ) XXXX- XX/XX/XXXX, ( 4 ) XXXX- XX/XX/XXXX, ( 5 ) XXXX XXXX XXXX -XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
XXXX XXXX XXXX  contacted me on Friday XX/XX/XXXX in reference to a debt that was sent to them to collect on. I attempted to inform the representative that I had no knowledge of debt and that I would like more information mailed to me. The representative said she wouldnt send any information unless I provided her my information that she would need in order to try and use it to claim I owed this debt I knew nothing about. 

I notified the company in writing of my requests that they provide documentation of this debt. I have received more phone calls every day since XXXX XXXX and nothing in writing. The agent today XX/XX/XXXX called and I explained u have not been provided any documents that suggest I owe a loan and she acknowledged that my request for these documents was received. The agent then started to get angry and hung up on me
On XX/XX/2018 I received an updated copy of my Experian Credit File. Several accounts that I disputed where deleted from my Experian Credit File. There are still some accounts that remain that are not my accounts. Each time that I contact Experian to investigate the remaining accounts that send my letters stating that they can not accommodate my request. I need these accounts removed. If Experian ins going to continue to deny me a new investigation how am I ever to fix my credit report? I do not feel that Experian has the right to deny me an investigation when the information is truly not mines or inaccurate or fraudulent.
I previously disputed an item appearing on my credit report as identity theft. Experian has not gone through the proper steps of validating the alleged debt. I have been a victim of identity theft and this account is not mine. I have previously provided a police report and have attached it again. I have also attached an identity theft affidavit. 

The disputed account is : XXXX XXXX - Acct # XXXX .... 

I have sent a previous complaint to you from CFPB, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that this account is inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the item properly. My previous letter -- from CFPB -- stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX, TX for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
When I started going to school back XX/XX/XXXX-XX/XX/XXXX, although I was a kid living on my own and working at a XXXX making $ XXXX/week, I was told that I was making too much money to qualify for financial aid and all could get were student loans. Hoping for a better future, I took out student loans and by the time I XXXX with an XXXX degree from XXXX XXXX University in XXXX XXXX, Florida, I owed around $ XXXX. Realizing that the big-salary-when-I-graduate story was a lie, I was unable to make my $ XXXX/month loan payment and when I contacted by lender, they told be to request a forbearance and that I should continue to do this as until by payment was less that XXXX % of my gross income. Not knowing how compounded interests work, I began deferring and interests started accruing. 25 years later, I now owe over $ XXXX in Stafford subsidized and unsubsidized student loans out of which over $ XXXX are for interests. At one point, aware of my daunting debt and the fact that I will never be able to pay off, I even contemplated XXXX since the dark cloud of a student loan of this magnitude is an intimidating prospect as well as very XXXX since the life of comfort that I had envisioned when I started going to school was now replaced by a life of need because of my student loan payments. This has affected me personally as well since who wants to get involved with someone carrying this amount of debt? I am now in an income-based repayment plan of $ XXXX/month since I ca n't afford $ XXXX/month ( which is what I 'm supposed to be paying ), but the burden of these loans is like a life-sentence in a financial prison for the crime of having wanted a better life and gotten an education. I have no regrets about having gone to school, but I do regret that I was deceived into believing that I would graduate with this incredible job and I would be able to pay off my loans. I regret that I was n't better educated on forbearances and compounded interests. And I regret that the student loan industry victimized students the way it does by calculating interests this way and charging such high interest rates for an education. There is no reason why anyone should owe $ XXXX in interests only!
Information incorrect well 's fargo. I had to wait a year to refinance home they were trying to finance through them ( Well 's Fargo ) so they placed a late payment on my credit. But Well 's Fargo would only allow me to finance through them only. Forcing me to wait a year for the information the reported on my credit report. Information Attached. 
Derogatory InformationLearn more ... Print your report ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE WELLS FARGO HOME MOR XXXX Mortgage BUREAU BUREAU CODE DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX XXXX XXXX {$0.00} {$1100.00} {$0.00} XX/XX/XXXX PAYS AS AGREED {$0.00} COMMENTS - BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY 30 60 90 XXXX XX/XX/XXXX 30 30 30
There is an account on my transunion report that does not belong to me. I have tried to contact the collection agency XXXX whom is reporting this account and the phone numbers are disconnected and the fax numbers are no longer in service. I disputed this account with transunion and the response I got was this account was 'VERIFIED '. XXXX did not verify this account because this company is no longer in business. I asked for the METHOD OF VERIFICATION that transunion used and got no response other than XXXX. There is no way that this account was verified if it is gone out of business. This collection account has ruined my credit score tremendously and I am using CFPB as the last resort before pursuing legal action. XXXX all accounts that do not belong to me. I have disputed these accounts numerous times with transunion as well as the collection agencies for VALIDATION and have not gotten a response in 30 days from the collection agency so I am certain that these XXXX accounts have not been properly verified through transunion. I requested signed paperwork with my signature on it for validation that this account belongs to me and transunion nor the collection agencies verified not validated this fraudulent information. This is my last attempt for this fraudulent accounts to be removed immediately since they have not been validated.
XXXX client, XXXX XXXX is a victim of identity theft.  He was notified XXXX XXXX/Walmart XX/XX/XXXX of a fraudulent application submitted with his information without his consent.  This left a fraudulent related inquiry on his XXXX credit report. An official dispute of this was sent to XXXX XXXX/WalMart XX/XX/XXXX and again XX/XX/XXXX however XXXX XXXX/WalMart has not replied which is a violation of the FCRA.
I have notified Experian that this account is either inaccurately status or do not belong to me. I would like for you to help me to get this matter resolved. This account is not a charge off account. Please removed this account from my credit file.
When I received my Bank of America credit card statement I noticed a {$1.00} " Minimum Interest Charge '' of {$1.00}. 

I am under a 0 % promotional rate through XX/XX/XXXX. 
My minimum monthly payment is {$68.00}. 
I over the last few months I have been paying {$250.00} every other week. 

I have NEVER been late on this account, I pay well in advance of the due date and I pay 5 times the minimum monthly charge, so why am I being hit with the {$1.00} a month charge? It looks like this started about 3 months ago. 

I spoke with a representative on XX/XX/XXXX at XXXXXXXX XXXX and she told me that because my payments were hitting i advance of the cycle date I will get charged. 

I spoke to a supervisor, XXXX, who explained that it looked like I was getting charge the {$1.00} as a result of prior {$1.00} charges, and something to do wt the cycle date. 

XXXX was able to remove the {$1.00} fee for me and she hopes that this will eliminate future fees. 

I asked for the disclosure that says I must pay between certain dates or get changed and they cold not produce that for me. 

My credit score is over 800. 

My concern is that there are probably a XXXX others just like me and they are getting charged this unjust fee. Bank Of America should be able to have sophisticated systems in place to account for this type of situation.
Hi, My credit card bank ( XXXX ) just close my account recently and report 2 late payment to a credit monitoring company ( XXXX ) witch result to dropping my score from excellent to good..well I always have issues getting my statements by mail and a reported that to them in many occasions, last 3 months they just stopped sending statements and all I got from them is a letter that state my account was closed and about {$75.00} of late fees..i called them to discuss the issue and their response was total ignorance ...
I asked for Validation and the letter attached is what i received I want the actual contract that i signed.
In correspondence datedXX/XX/2018 I sent this company my disputes for items related to identity theft. By law the company is required to expunge all information from my credit report within 3 business days for identity theft victims. This was not done and my report is still marred by this fraudulent item. 

XXXX ACC # XXXX This is my final correspondence before taking legal action, I am requesting that they comply with the law and expunge these item within 3 business days Attached : Copy of my initial letter to this company Copy of my id theft report