WillisBack/dataset-financial-user-claim huggingface dataset:
On or around XX/XX/XXXX, I discovered that a company called XXXX added an entry to my Equifax credit report claiming I owe them approximately {$19000.00}. 

On XX/XX/XXXX, I sent XXXX a letter via Certified Mail Return Receipt, to the address for them listed on my credit report. 

The letter asked XXXX to verify the debt ( see attached ). They did not respond. 

After disputing this entry on my Equifax credit report, I received written notice from the bureau on XX/XX/XXXX ( attached ) that it was not reporting on my credit file. However, the XXXX entry was never removed. 

On XX/XX/XXXX, I sent a letter to Equifax via Certified Mail, Return Receipt ( # XXXX, letter and receipt attached ) indicating that I sent a letter to XXXX, received no response and therefore request again that the item be removed. I included a copy of the XX/XX/XXXX letter and the return receipt. 

Equifax responded that they would not remove the item, disregarding my documentation.
XXXX XXXX has repeatedly failed to delete old accounts on my Credit Report such as XXXX XXXX  that is over 7 years old and was first reported as delinquent in XX/XX/XXXX. They also have listed the same accounts multiple times. I have two loans with XXXX XXXX but on a recent inquiry that listed the accounts 4x each. The inquiry was on XX/XX/XXXX at XXXX XXXX. They have also listed XXXX XXXX as an adverse account when it was in fact paid in full by XXXX XXXX in XX/XX/XXXX. That account also needs to be deleted.
Experian Report # XXXX Date XX/XX/XXXX On this report Experian has on page 19 under Notices : this address may be perceived as a high risk because it has pertained to a business or was used as a mail drop or a delivery service : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada NV XXXX is now on my report I'm tired of Experian adding things and creating false information as Experian does. Experian does not show on my XX/XX/XXXX this information Report # XXXX this but my XX/XX/XXXX Report shows this. 
I have Requested that also XXXX XXXX XXXX XXXX on Address be Deleted/Removed due to no Number to the apartment to identify the right address. it makes no sense to have a bunch of created address by Experian on my credit file that is no address or correct by Experian. I have hired some one to review these errors and it seems Experian does this on purpose because it was not on the XX/XX/XXXX report but now on XX/XX/XXXX report. 
The person I hired is very aware of this practice by Experian. They keep the past reports as proof to Experian Errors and bad Practices done time after time it seems to be a pattern by Experian.
Last month I received a Atm card from this bank with no explanation. They told me my account has been compromised and the person took all the money in my account. I provided the branch a police report when my identity got stolen last year they assured me that I would get my money back. I reported them before and the president office never returned my calls. They are giving me the runaround. They do n't care or value me as a customer they are very unprofessional and not sincere. They had very difficult time inputting everything in the system that the bank manager had to process the request. I never got my replacement card or my funds back on my account.
I would like these items removed from my credit reports because I am a victim of identity theft.I noticed several inquires on my credit report that I did not authorize. 

Inquiry # 1 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 2 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 3 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 4 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 5 XXXX DATE : XX/XX/XXXX Inquiry # 6 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 7 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 8 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 9 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 11 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 12 XXXX XXXX   DATE : XX/XX/XXXX Inquiry # 13 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 14 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 15 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 16 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 17 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 18 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 19 XXXX DATE : XX/XX/XXXX Inquiry # 20 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 21 XXXX XXXX DATE : XX/XX/XXXX INQUIRY # 22 XXXX   XXXX XX/XX/XXXX
I have attempted to contact this debt collection agency via the web and by phone XXXX times in the last XXXX days and can never reach a soul ... .. when I try to go online to access the debt acct they say is mine it always redirects and then crashes. Is this even a real debt collector?
My previous mortgage ( XXXX ) was purchased and transferred to another mortgage company, Freedom Mortgage ( FM ), on XX/XX/XXXX. They lost my first-month payment check ( {$1900.00} ) during the business transaction. I kept calling their customer service to search for help on the second month, XX/XX/XXXX. I made a lot of phone calls ( Agents XXXX, XXXX, XXXX, XXXX etc. ) and they had no help. At the third month, my bank told me that check didn't cash out for 3 months and they had stopped payment. At the period of time asking help from Freedom Mortgage, I still keep paying my regular monthly payment ( {$1900.00} ) on time.  My bank ( XXXX ) also issued a letter of Good Faith to FM. However, FM still reported to 3 credit agencies to damage my credit scores and charged a fee ( {$15.00} ), due to the delinquency of my mortgage, which I didn't. On XX/XX/XXXX, Freedom Mortgage sent my so called 'Escorw analysis ' to me and ask me to pay extra Escorw payment ( {$880.00} ) either pay in full or split into monthly payment ( {$1900.00} ). I don't like change my regular payment. So I paid in full of Escrow payment ( {$880.00} ) with regular mortgage payment ( {$1900.00} ) on time in XX/XX/XXXX. Then, they miss calculated my whole account and want me to pay for more than double monthly payment with late fee ( {$4000.00} ) by the end of XXXX. Even though I called the customer service to get the correction, they still want to pay some extra money by the end of this month. Otherwise, the customer service agent warned me that they will report to credit agencies again. Every time they messed up my account, they charged extra fees ( {$15.00} ). I don't want to pay for their mistake, but they tried to use the Escrow payment to cover them now. I think it is the wrong way to use my Escrow account. Now, I see my account is totally messed. It showed that I didn't pay for my Escrow account and my Escrow payment was used to pay for something else, I still am charged for higher monthly payment ( {$1900.00} ) for my next payment and couples of extra fees. I feel I was mistreated by this mortgage company and try to search for help and advises. It is no help to call Freedom Mortgage customer service. I tried to contact 3 credit  agencies to hold or correct my record and no positive responses. I can provide my more details of bank account, regular payment, and their messed mortgage statements as evidence. Thank you for help
I got a letter from Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX They said they are collecting a debt of {$710.00} and if I do n't pay it they ill report it to Credit Bureaus. They did n't tell me what the debt is from. When I called the number on the bill it went to voice mail. I 'm not sure if this is a legitimate company. I googled the name of the company and found another number to contact them. Gave them the reference number on the letter representative wanted my social security number, which I refused to give it to him. He said he ca n't help me if I do n't give it to him. I said I do n't know if this is a legit company. He transferred me, the next person verified my social and said they will send a more detailed report.
A man who said his name was XXXX XXXX called my cell and left a message stating they had delivered a 21 day notice to my residence and it was now day XXXX hours to call him to settle the matter before a process server was sent out to serve me. Case number he gave was XXXX. In the voice mail he never identified the company he works for, nor the company the case that was referred to his office was for. He then called my employer less than 5 minutes later and threatened me on the phone. Refused to tell me who the debt was for until I in turn demanded a fourth time to know what the debt was for. He finally said the debt was from Check Into Cash payday loan. Said the amount due was for over {$700.00} but I do not recall ever taking a loan out for that amount, and the last loan I took out was over 3 years ago. It is my understanding the statute of limitations for a lawsuit in Kansas is 3 years. He wanted to know since I work for a law office when I was going to pay the debt. When I told him not to call me at work and told him I was aware of the FDCPA he hung up on me. The number he called from was an unknown number but he left a number that ca n't be traced to a specific company on XXXX.
mailed letter to TransUnion on  XXXX   XXXX ,  2017  asking for Method of verification, requesting copy of documents bearing my signature. Have not received any such items. I have frozen accounts with  XXXX   XXXX  an d Tran Union still con firms that Chapter  XXXX  is verified through  XXXX   XXXX . I also have sent them the letter from the Bankruptcy  Court  stating that they do not verify anything to credit bureaus. How can you report something in my file that you ca n't even say is correct when you have no way of verifying it. There are millions of  XXXX   XXXX  out there my medical records get mixed up all the time.
I filed a dispute with XXXX weeks ago against Midwest recovery never had a pay day loan and I believe someone stole my identity. I 'm in the middle of a getting approved for a house and than this happens please help. It lowered my credit score by XXXX points and it 's not mine.
began a home building process in XXXX XXXX, deposited {$18000.00} with XXXX, home was built, closing occurred XXXX XXXX and {$18000.00} deposit was added back to amount. 
False appraisal of home was $ XXXX for a $ XXXX note. Closed then and moved in, one year later GMAC became servicer and jacked up {$1800.00} monthly payments to {$2700.00} based on false appraisal.XX/XX/XXXX, AHM went bankrupt, XXXX rejected {$80.00} XXXX in XXXX XXXX trusts, XXXX XXXX XXXX XXXX [ XXXX XXXX of XXXX ] bought those XXXX garbage trusts made by XXXX and serviced by GMAC for a mere 1 % .This is called RE-VENUE not a real purchase, he got only rights not full equity claim. I Filed TILA claim in XXXX XXXX against XXXX and GMAC, one month later XXXX XXXX as " trustee '' of voided bankrupt trust, filed a foreclosure suit without standing as trust was voided.Still in my home and I have filed several complaints to you, and agency created from my complaints. See case # XXXX filed XXXX XXXX in Fl. XXXX. can be seen on pacer.gov So now, XXXX XXXX was behind trying to foreclose on me all along, and OCWEN is and has been committing fraud, by not revealing the true party in interest.OCWEN claims to be " servicing '' a bogus trust for XXXX XXXX, all who are hiding behind XXXX XXXX. See attachments. The BK court in my case, duscharged all debts leaving only a " creditor with a valid lien '' and there is no creditor only fraud based debt collectors trying to get their 1 % investment plus another illegal 99 %, this is how the corrupt 1 % rich get rich, but XXXX for 1 % and collect 99 % from the 99 %, who dont know what is going on.Then there is me, smarter then all others. I want you to file an amicus breif on my behalf and know that they tried to make XXXX trusts from XXXX home documents.FRAUD. the case is in XXXX county florida XXXX circuit [ XXXX ] case # XXXX
Alliance One Receivables continues to call despite receiving a cease and desist demand to stop calling AND despite the acknowledgement of attorney assistance
claim dept XXXX CLAIM # XXXX XX/XX/XXXX INITIAL CLAIM # XXXX XXXX XX/XX/XXXX changed debit card due to an issue. I'm an XXXX seller since XX/XX/XXXX. I updated my new debit card on there site and it took the card as a replacement for my checking acct ( that I make my payment of monthly seller fees from at the end of each month ) I did not know this. Mid month my account was debited {$130.00} XXXX. I did not recognize this. I called BOA immediately and advised. They stopped the card ending XXXX and gave me a temp credit {$130.00}. to my account. I was holiday weekend XXXX. By the time I was able to get to the bottom of this & find out that XXXX had charged my new debit card for seller fees ( and had given me at credit $ 59+ for Hurricane Irma. The amount for my monthly fees were {$130.00}. They also told me debit card are mid month cking accts are end of month billed for seller fees. I notified BOA and advised issue resolved. They stated that merchant got paid XX/XX/XXXX {$130.00}. They were going to take the temp credit out of my acct ending XXXX. NEVER DID.. XX/XX/XXXX They took the $ back from XXXX!!! I called in had XXXX n boa on the phone BOA gave money back to XXXX and again stated will take $ from my cking XXXX. BOA NEVER TOOK THE $ from my cking acct & again XX/XX/XXXX another nasty notice from XXXX YOU XXXX  TOOK THE $ BACK FROM XXXX AGAIN. I'm past furious!. XXXX wants to suspend my acct for NON PYMT ... .. Ive been a seller since XX/XX/XXXX I  DEPEND on this income. You have cost me time and . You gave XXXX back the money AGAIN XX/XX/XXXX. FINALLY you take the money from my cking acct XX/XX/XXXX and I get a letter stating the case is closed. YAY!!! fast forward XX/XX/XXXX. I am notified by XXXX you come and take the $ from them again! credit charge back OMG {$130.00}. I'm so upset. XXXX had enough. I called BOA immediately and claim dept on the phone and some guy no help 1st thing this am XX/XX/XXXX 48 hrs to escalate? Cant talk to that dept? Then this afternoon XXXX suspended/BLOCKED MY ACCOUNT FOR NON PAYMENT!!!!!!!!! I AGAIN CALLED XXXX AND boa SPOKE TO A SUPPOSED SUPV IN claims dept XXXX id # XXXX. no HELP refused to take the ref # for the transaction charge back from XXXX rep. I was astonished. She DENIED FLATLY that they took the money and show everything even on their side. She then stated if it was in error 7-10days and they will send $ back to XXXX. After the 3rd time charge back XXXX  ( and I don't blame them ) said they cant unlock my suspension until I pay in full the {$130.00} + my normal monthly charges ( not due until XX/XX/XXXX $ 164+ ) So I had to BORROWER $ AND PAY {$300.00} to get my account back to were I can sell. I'm waitin g now for them to review to see if they will let me continue to sell due to this MESS WITH CLAIMS DEPT OF BOA. FIRE THEM ALL! I want my {$130.00} back and 8 hrs @ 25 hr on the phone I sent away from my job trying to resolve this. I demand my $ back and  a letter of apology to me and also to my employer XXXX for the mess you have created. I got not resolve but bounced from place to place horrible service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX
i applied to my bank for approximately the last 20 years capital onebank for a used car loan of approximately {$10000.00}. now I have acredit rating of about XXXX, had over {$30000.00} in my capital oneaccounts, had about {$12000.00} left on an original mortgageof {$130000.00} on which I had made additional principal payments onsince its origination. I was insultingly rejected for a car loan forreasons that made entirely no sense at all XXXX being " too manymortgages '', when I have XXXX and only XXXX and had not had another inabout 30 years. I went to my local capital one bank who could notunderstand the reasoning for rejection just as I could not. it made nosense. even brought it to the manager while I was there and hecould not make any sense out of it, but also acted like he couldcare less. it was after all. only a {$10000.00} loan. well I could not carethen what bank I did my banking with either and told them I willwithdraw all my assets from capital one. I came back a week laterand did just that. the representative asked me why and needless tosay I gave him an earful. I still ca n't believe they would let a 20+year loyal customer just walk for no good reason, but they did. 
I reported this to the division of banking or whatever and alsoconsulted legal that 's how insulted I was. I now have XXXX and very happhappy but still bitter at my treatment by capital one.
XXXX XXXX XXXX XXXX ( XXXX ) has made a hard inquiry for a credit line that I did not unauthorized and it is effecting my FICA score. The date of the unauthorized hard inquiry to my credit was on XX/XX/2017.I do not have any credit line with this company and it was an unauthorized hard inquiry to my credit.That is the reason I am making this complaint.
We have been trying to resolve an incorrect late payment issue with Select Portfolio Servicing for several months but have been unsuccessful. 

When our loan modification was transferred from XXXX to SPS, SPS sent us a Trial Modification Plan to make payments for the months of XXXX, XXXX, and XXXX XXXX. Our payments for these 3 months were sent as the requested cashier 's checks. We did not receive any notification from SPS that the payments were not received, even though the cashier 's checks were cashed by the company. 

When checking our credit report, SPS had submitted incorrect information to the credit bureaus that we had not submitted payment for the months of XXXX, XXXX, and XXXX XXXX as well as for XXXX XXXX, which was not a month listed on the Trial Modification Plan. In addition, our loan modification with SPS began in XXXX, not XXXX. 

We sent a letter to SPS on XXXX XXXX, XXXX notifying them of an inaccurate claim sent to CRAs about the 3 late payments in XXXX, XXXX, and XXXX of XXXX. The letter was sent along with copies of the checks that were sent and have been cashed by SPS for each month 's payment. 

We received a letter from Select Portfolio Servicing on XXXX XXXX, XXXX indicating that within 60 days SPS will update the inaccurate 3 late payments claim with the CRAs. We received our credit report from XXXX on XXXX XXXX, XXXX and it 's still showing the 3 late payments for the month of XXXX, XXXX, and XXXX of XXXX.
My lawyer, XXXX and Law in XXXX XXXX, did not fulfill duties or of process or communication with XXXX After settlement-one bill arrived and XXXX notice. XXXX contacted me at my former employer via company phone, I offered a payment that fit my budget and was told it was n't enough and legal action would be taken. They hung up. The hospital would n't work with me to set up payment plans ( which they had accepted XXXX or XXXX before this occurred ). I transferred my payments.
The inquiries listed below are not mines. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX This accounts listed below are more than 10 years old. By law those accounts should be deleted. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX
I have a XXXX XXXX XXXX Mastercard rewards card through Synchrony Bank. They have had several issues with their rewards refund this year. I received several emails stating that my rewards would be available after I received the " blue letter '' in the mail. I received it and proceeded to my local XXXX XXXX XXXX to redeem the rewards on XX/XX/2019. I was notified at that time that my rewards were not available and to call Synchrony Bank. I called on the XX/XX/2019 and was notified at that time that there was an internal problem with their system and it would be resolved by the end of the month, but to call again to verify. I called on XX/XX/2019 to verify. The system is still broken, but they asked me what error I was getting when I tried to use the card. 

I explained to them that I simply went to the member service desk to have the reward applied as a payment on my XXXX XXXX XXXX Mastercard as it states I can do in the letter and I was told the funds are unavailable. The customer service agent then notified me that applying the funds to my Mastercard wasn't an option for me. He stated that was only for customer that didn't have a local XXXX XXXX XXXX. I reiterated that the directions for applying the refund to the card are on the letter they sent. He refused to acknowledge the information on the letter. The letter is attached to this complaint.
inquiries : XXXX -date FRAUDULENT ACCOUNTS ; XXXX XXXX XXXX -DATE XX/XX/XXXX -AMOUNT XXXX ACCOUNT #? 
-GOLD KEY CREDIT INC -DATE OPENED XX/XX/XXXX -AMOUNT {$340.00} -ACCOUNT -- XXXX  ( ORIGINAL CREDITOR IS XXXX ) AMOUNT {$850.00} -ACCOUNT #?
This is the request that i sent to the bank to make the credit correction to my credit report we did a short sale and they are reporting it was a foreclosure I have all docmuntation if you need itXX/XX/XXXX XXXX, XXXX Customer Service, XXXXAttention : Research DepartmentXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Loan Number : XXXXProperty Address : XXXX XXXX XXXX, CA XXXXBorrowers : XXXX XXXX XXXX, Social Security Number XXXX XXXX XXXX XXXX Social Security Number ***********Dear Madam or Sir, I am writing as the above referenced property closed through a short sale on XXXX XXXX, XXXX have provided a copy of the final HUD for your records. I need to have our credit report updated as quickly as possible, please to reflect that our home was not a foreclosure. Our credit report should reflect that our loan was indeed paid in full for less than the full balance, through a short sale and the date of XX/XX/XXXX 
We are in the process of purchasing a home now and are unable to move forward until this information has been updated. Time is of the essence as we have a non-refundable deposit of {$30000.00} on our new home. 
If there 's anything further you need from us, can you please contact XXXX at XXXX? And are you able to provide me of a fax of your determination?? Our fax number is XXXX XXXX.
all I am trying to find out now ( so I can decide what steps to take next ), is this,, In XXXX XXXX 2015. I paid off a Debt. IN FULL to XXXX XXXX, yet here on XXXX XXXX 2015 acct # XXXX is still showing as a debt we owe of {$4400.00} I have called them and they are saying they submitted the paid status to Experian, Experian says they did not, or are not reflecting the change in their records. My question is,, what do I do now,, I need to apply for a business loan and these agencies are ruining my chances of doing so as this debt RECOGNIZED as being paid will surely increase our FICO scores. please advise. XXXX XXXX
I have XXXX hard credit inquiries from XXXX dated XXXX XXXX, XXXX and XXXX XXXX, XXXX. Neither should be present on my credit report. I was prequalified for their related credit card months prior to those inquiries which I did not authorize.