WillisBack/dataset-financial-user-claim huggingface dataset:
1. XXXX  is reporting to Experian that the account is in a Petition for Chapter XXXX. This is not correct. My Chapter XXXX Bankruptcy was Discharged on XX/XX/2016.

2. XX/XX/XXXX is reporting to both Experian and XX/XX/XXXX that the account Condition as Derogatory. This is not correct. XX/XX/XXXX was paid-in-full {$28000.00} and the account condition is PAID.

3. XX/XX/XXXXis reporting to both Experian and XX/XX/XXXX the account Status as in a Payment Plan. This is not correct. This account is closed so how can the account be in a Payment Plan?

4. This account is not in Chapter XX/XX/XXXX Bankruptcy. XXXX must only report the current condition of the account.
XXXX credit bureau has not properly used my identity theft packet to remove or block information reporting on my credit file due to fraud and identity theft. 

I have sent them my law enforcement report, all of my proper identifying documentation, as well as a victim statement and request to remove the account that is reporting due to fraud. 

They have done nothing but send a message to the creditor. 

XXXX states : " the creditor says all information including your name and address are reporting accurately. '' Of course it is! The identity thief used my real information! 

The other bureaus promptly blocked and removed the fraud. XXXX refuses to properly investigate and tells me there is nothing they can do with my identity theft report from the Federal Trade Commission.
I have not received a legitimate response to this issue and it has been several business days. I only receive automated responses from bitcoin despite promises of responses with 72 hours. On XX/XX/XXXX I sold XXXX BTC for {$3200.00} USD. The funds still have not been deposited in my linked checking account. OnXX/XX/XXXX I was notified that a payment will be sent to my XXXX XXXX by Thursday XX/XX/XXXX but the payment still has not been received as of today, XX/XX/XXXX. I would like to know the status of my sale of bitcoin and the payment that I am expecting? Should I still expect to receive {$3200.00} to be deposity in my account? See below for the transactions on my account : Sold bitcoinXXXX BTC {$3200.00} USDTO XXXX XXXX ********** XXXX XX/XX/XXXX COMPLETE
I received a letter in the mail that showed that I might be eligible to lower my house payment, so I contacted the number on the letter and spoke to an agent, XXXX XXXX on XXXX. I initially wanted to roll XXXX loans into XXXX, essentially having XXXX big payment but unfortunately I was unable to do so and XXXX advised me to use the payment from XXXX and XXXX towards my car loan. ( He told me that he would be able to close on my house by XXXX and my XXXX and XXXX payment would be rolled pretty much to the end of my loan. ) After sending all the requested documentation, I was under the impression that everything was handled and taken care of. I was advised by XXXX to stop my monthly payment in XXXX. XXXX I started to get calls from Pacific Union regarding my account. I called XXXX and he said to ignore them, that they were just needing my husband 's information to close on my account ( to show his proof of income. ) I sent him the documentation within hours of him requesting it and went on about my business. XXXX rolls around and I answered a call from Pacific Union. I told the representative that I am refinancing my house and it all should 've been taken care of. I called XXXX and he said that he was unable to close due to some issues ( HE DID NOT BOTHER TO CALL TO TELL ME THIS ) and he said not to worry he is going to fix this. The next day, XXXX calls me back and tells me to make my XXXX house payment. It was already after the XXXX. I do not have that money because I was under the impression that I was able to skip my XXXX CONSECUTIVE HOUSE PAYMENTS so I do not have the money needed. He said that he is going to try to close my house by the end of the week. Since XXXX XXXX he has not called to update me nor inform me as to what is going on with my account. I am now two months behind on my house payment, in a financial hardship, physically stressed out over this whole situation and very upset with the service I have received. I am currently XXXX and have a lot on my plate at work so to have someone tell me that they were going to take care of me and have that all been a lie, it is really upsetting. I am seeking guidance in this situation. I want someone to please explain how XXXX XXXX is able to mess customers credit up by essentially painting a picture and having it all be false hope. I made XXXX consecutive payments and am trying to repair my credit and now I have to scramble to see how I am able to come up with some money to pay towards my house until I get paid again in XXXX. I tried reaching a Supervisor in the loan department and have been unsuccessful and the only number that anyone seems to have is XXXX XXXX 's voicemail number.
IQ data international has been calling me from dozens of numbers over the last 3 years in an attempt to collect a debt I supposedly owe. In that time they have not been able to provide a single shred of paper evidence that I actually owe the debt or to where I should send my payment, despite my providing them with a valid and current address.
Experian continues to duplicate report my student loan on my report. XXXX loan has XXXX reportings, because of consolidation. There should only XXXX reportings. Also, Experian does not put full account numbers on my fed loan servicing accounts, when the base account numbers are the same ; so they ca n't differentiate when I send a detailed dispute, because I am unable to differentiate between the XXXX accounts. Experian continues to allow the base student loan accounts, ( fedloan servicing XXXX-open date XXXX & XXXX acct # XXXX ), to be reported as delinquient ( payment history & account history ) even though the consolidation paid them in full. Both XXXX accounts, should not be reporting on my credit report any longer because they are not the original creditor or the current account holder, that 's why they are double reporting. I have disputes these accounts several times, with detailed disputes, & Experian continues just to verify name, date if birth, etc. No specific account information is verified as correct. I only had XXXX loan for XXXX which was consolidated once. So I should only have XXXX accounts reporting on my credit report, not XXXX. Experian reps continually state they as a company have no lawful obligation to report correct information. Experian, again does a horrible job, verifying detailed disputes, even if I tell them exactly what is wrong. XXXX account XXXX-date open XXXX, should have always had a status of " paid, closed '' - not transferred & closed. It was paid by consolidation loan, & paid in full in XXXX.
In XXXX XXXX I took out a loan from Western Sky that I saw advertised on television to fund a move to XXXX to take a XXXX job. After applying I was contacted by a company named XXXX XXXX and they stated they worked with Western Sky. XXXX XXXX I noticed a company named Delbert on my credit report and that I opened an account in XXXX XXXX. After some investigation I found out Delbert is a collection company owned by the same person that owns XXXX XXXX. The loan was never late and I was never informed of the transfer. Apparently XXXX XXXX got in trouble in several states for illegal loans. They apparently were posing as an XXXX tribe company but they are not. This was the way they were trying to charge 89 percent interest. I talked to the XXXX Attorney General and they stated Delbert is not licensed in the state of XXXX. The Attorney General 's office suggested I stop making payments and contact the CFPB. I stopped the payments and Delbert is now showing the loan amount charged off. In XXXX the usury law caps interest at 29 % and the loan is in violation of XXXX law. Several states have ruled these loans illegal and the loans do not have to be paid.
Bank of America began putting holds on all of my deposits for the last 2 weeks of every month. I called them every day to get those holds released, and got different answers each time, from " sure, right away '' to " this is the last time we 're ever doing this for you '' to " we ca n't do anything about this, you just have to wait ''. I 've wasted at least 20 hours total over 3 months calling them to release holds. XXXX of these holds caused a payment to bounce to a charge card, which caused XXXX XXXX to impose a limit on that card, which previously had no set spending limit. In XXXX, they went a step further. They put a 10-day hold on a deposit, and then retroactively placed holds on all deposits from the previous week, which had already posted to my account, overdrawing my account by roughly {$2500.00}. They then bounced every payment that came in, which caused late payments to creditors and returned item fees. Some of the payment accounts charged a separate returned payment fee, which also bounced, and I now have XXXX accounts that are in collections. Bank of America then charged me NSF fees of {$35.00} per transaction 4 times a day. The hold notice I received said that any fees would be credited after the holds cleared, but that I would have to call them. When I called them, I spent 45 minutes on the phone, most of that time on hold, waiting for the agent to " see what she could do '' about this, and " not guaranteeing anything ''. Multiple times agents made promises that someone would call me back by the end of the day, and none of those promises were ever kept. Ultimately the fees were credited. But the effects remain : a charge card with a new limit that restricts my ability to operate my business, delinquency reports on my credit report for late payments as a result of overdrafts, 20+ hours of wasted time, accounts in collections, and literally hundreds of dollars in fees incurred as a result of Bank of America placing holds on my deposits.
In XXXX of 2014 I took out an auto installment loan at PLS. I have been making biweekly payments ever since. Within the last XXXX6 months new management and employees have come in and it seems that they do not note properly in their notes while doing collection calls. The phone calls are not only to myself, but my references as well. I am being contacted about XXXX5 times a day and am also left XXXX voicemails from the employees. I have communicated my issue three times now and nothing has been done.
I have disputed an incorrect account on my credit report with the three major credit bureaus : Experian, XXXX and XXXX. They have not provided any documentation to validate or verify the account, even after I informed them that I never opened an account with XXXX XXXXXXXX. The account is showing closed as of XX/XX/XXXX and is also indicating that the account is past due as of XX/XX/XXXX. I would like this account to be deleted from my credit file with the three major credit bureaus. As I stated before, I have disputed this account with all three bureaus twice : XX/XX/XXXX and XX/XX/XXXX, and despite informing them that I have never opened an account with XXXX XXXXXXXX and none of them providing documentation to validate or verify the account, they have not done so.
On XXXX XXXX Rushcard did a " system update '' and because of that i have not had access to my funds for almost 3 weeks now. Everytime i call i am on hold for hours or the phone keeps hangimg up. I spoke with a rep on Monday and was told the update glitch would be fixed that day and i would receive a text when my card was all set but i never received it and my card still didnt work. I have no access to my funds and had to decide to pay rent or my sons tuiton for school and because i chose rent my son will no longer be able attend until my balance is caught up. I already have my mother paying my rent no one can help me with my sons tuiton too. my electricity will be shut off tomorrow for non payment and my phone has already been shut off too. They have the wrong card info as being active ( i got a new card before the update ) and when i try to activate the correct card i am told by the auto system i already have a active card. When i did speak to a rep they told me when the sysrem is up and running i can activate my new card, they told me i would be able to later on that day and i still couldnt do it. On top of that i am still missing funds in my account.
I have student loans and they were defaulted because of a car wreck I was in. My family and I were hit by a drunk driver, resulting in a death of a family member.     Upon getting my life back together, I completed the rehabilitation program and paid  9  consecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are   XXXX  l oans that have yet to be cleared from my credit as promised. And these are reported by different servicing agencies because they sell them and pass them around so it looks like there are more loans than there actually is and my negative accounts number are 3 times as many I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..
On XX/XX/XXXX I sent a letter to Rise disputing a negative account I found on my credit report. On XX/XX/XXXX XXXX XXXX signed for this letter at the post office. On XX/XX/XXXX they sent me a letter stating my letter was irrelevant and they were dismissing my dispute. I checked my credit report on XX/XX/XXXX and Rise never marked my account disputed.

On XX/XX/XXXX I sent a second letter to Rise disputing the negative account listed on my credit report. On XX/XX/XXXX Rise sent me an email of " proof '' of this account being legitimate, although they did not send me an original signature like I asked. I checked my credit report on XX/XX/XXXX and Rise still never marked my account disputed.

On XX/XX/XXXX I send a third an final request to Rise disputing this negative account on my credit report. On XX/XX/XXXX XXXX XXXX signed for this letter. I checked my credit report XX/XX/XXXX and the account is still not disputed. 

Under the current law, the company had to mark this negative account on my report as disputed and they have refused to do so the three months.
Problem : I have direct deposit from my work to bank institution ( People United Bank ). My deposit is count it very late on the payday. When transaction kick in they charge instantly a fee of {$37.00} and they use all mean to access to others account like saving to take the money out. 

XXXX In-process ACH CREDIT XXXX XXXX XXXX XXXX XXXX XXXX It was XXXX XXXX EST when I decide check the account and status is : in process I send a email to then XXXX EST and their system register : Sent:XX/XX/2018 XXXX CDT Unhappy Customer People United Bank .
Effective XXXX XXXX 2017 It is to my understanding that my credit report will require any public record such as a lawsuit, judgement, tax lien and real property lien submitted for reporting on a consumers credit report, to include the consumer 's name, address and either their social security number or date of birth. If any of this information is missing on a reported public record, it will no longer be reported on a consumer 's credit report. I would like to have 3 bankruptcies and 1 tax lien investigated immediately and removed from my report.
Thanks in Advance, XXXX XXXX
Diversified consultants reported a paid account to my XXXX credit report. Their reporting indicates that they reported a debt for the first time after it was already paid. Reporting already satisfied accounts to the credit reporting agencies are illegal and malicious. This account needs to be removed asap because it was satisfied prior to reporting to my credit report. This company reported this to my credit report after I inquired about as to why I was receiving communication from them when the debt was already paid. Illegal and malicious practices.I have contacted the credit reporting agency and as per the credit reporting agency Diversified Consultants continue to verify with the credit reporting agencies that this information is accurate and it is not because this company should never have reported this collection account that was already resolved before the initial reporting. Not only is that a violation in itself ; they continue to violate by verifying this information as correct.
Mortgage lender is harassing, neglecting, and utilizing abusive practice .... 
Mortgage lender, claims account balance owed, when records are incorrect. 
we have contact and requested to investigate. Per reps, they can see issue on the phone and constantly say it will be fix ... nothing has been done after 30 days ... 
receive letters, of foreclosure, late fees, and calls ....
Dispute for PMI for loan number XXXX Hello, My name is XXXX XXXX. My wife and I closed loan with XXXX XXXX XXXX on XXXX XXXX, 2016. Now that loan is sold to and served by Wells Fargo Bank. 

I tried to call at Customer Service Dept of Wells Fargo ( XXXX XXXX XXXX ) for exact amount I need to pay for removing PMI. As per guideline with XXXX % LTV of my loan value, PMI should be removed. To my shock, I was told that there are instructions in your system on file that PMI can only be removed only if LTV is XXXX % or less. I have MI certificate from XXXX for refrence. My current LTV is XXXX % ( as per CSR XXXX who told me during my call with her ) and I am ready to pay difference to remove PMI. I need to know how much amount do I need to pay with XXXX % LTV. I was never told that XXXX % is minimum LTV I need to have to get rid of PMI. 
Wells fargo is saying that my PMI can only be removed once LTV is less than XXXX %. 
Thanks
After disputing these inquiries the reporting agencies investigation came back verified. However, I'm requesting the Method Of Verification as my rights via the FCRA and if I'm not given all the methods of verification as I'm requesting then these inquiries shall be removed as they are unauthorized. The following inquiries are ( 1 ) XXXX ( XX/XX/XXXX ), ( 2 ) XXXX XXXX ( XX/XX/XXXX ), ( 3 ) XXXX XXXX ( XX/XX/XXXX ), ( 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ), ( 5 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ), ( 6 ) XXXX XXXX ( XX/XX/XXXX ), ( 7 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 8 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
At  XXXX  today, Thursday,  XXXX   XXXX ,   XXXX  , I received a call from an  XXXX . Since I do not answer calls from numbers I do not know, it went to voicemail. The message was left from "  XXXX  '' at Navient (  XXXX  extension  XXXX  ) regarding " an urgent matter '' about my live-in girlfriend 's private student loan. The call was made to my cell phone which I use for work. I am not a borrower or co-signer and I never provided my phone number to them. They have no business contacting me as I have no business with them. If they continue to call me, as they do to harass her, I will be forced to pursue legal action. I do not want to be contacted by Navient again.
This letter is being sent to you in response to a listing on my credit report from EQUIFAX Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from EQUIFAX. 
For the purposes of XXXX XXXX XXXX et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.
I was off work last year XXXX XXXX months due to illness and unemployment. I have closed both of my Chase credit card accounts and have enrolled into the XXXX XXXX XXXX for both cards. I used the alternate month payment option not being aware that the skipped payments payments would count as 30 and 60 days late on my credit reports. I have contacted Chase, quite angry on several occasions, written to Chase and all XXXX credit bureaus.
I received notification from Equifax that there was a security breach and that my information - including my social security number, date of birth, and contact info was potentially exposed. Equifax has been completely unresponsive in helping me deal with this matter. Here are the steps I have tried to take to find out more information : 1 ) they stated they would enroll me in TrustedID product to monitor my credit to see if there are any breaches ; the problem is that the enrollment email they sent indicates that I am already enrolled ( i have not ) and provides a dead link / a website that does n't load. 

2 ) I have tried contact the Equifax call center to resolve this and they have no one who can assist me. After a long period of time waiting for a response, I was provided another number that I can not seem to get ahold of someone who can help me ( I have been put on hold with no response for a week now ). 

Equifax is completely unresponsive to me at this time ; they have not been able to provide any information about the security breach, how I am actually affected, or even provide the security service they said they would in order to make sure I am not further victimized. I have had no luck in working with them - they are completely unresponsive in this matter.
I sent the company a certified letter dated XXXX XXXX,2017 stating '' This letter is regarding Act. # XXXX, which is listed Discharged in Bankruptcy. This is a formal notice that your claim is disputed. '' I never received any response back from the company about my dispute nor was it ever listed that I was disputing this account on any of my credit reports.