WillisBack/dataset-financial-user-claim huggingface dataset:
I have previous on multiple occasions asked Experian to verify inaccurate items on my credit report. They have contacted me stating they have verified items that I asked to be verified. 
Concerning XXXX # XXXX They have remarks stating this account was included in a bankruptcy when it should be discharged and they say it was included or discharged through Bankruptcy XXXX or XXXX. First if they verified the item they would know there's no such thing as a XXXX Bankruptcy and secondly if in bankruptcy they couldn't report a high credit limit which would be a violation of the bankruptcy. It also says the payment status is current. 

Concerning XXXX XXXX # XXXX They have remarks stating this account was included in a bankruptcy when it should be discharged and they say it was included or discharged through Bankruptcy XXXX or XXXX. First if they verified the item they would know there's no such thing as a XXXX Bankruptcy and secondly if in bankruptcy they couldn't report a high credit limit which would be a violation of the bankruptcy. It also says the payment status is current and list the terms of the loan. wonder how can a payment status be current if the account is in bankruptcy? 

Concerning XXXX # XXXX They have remarks stating this account was included in a bankruptcy when it should be discharged and they say it was included or discharged through Bankruptcy XXXX or XXXX. First if they verified the item they would know there's no such thing as a XXXX Bankruptcy and secondly if in bankruptcy they couldn't report a high credit limit which would be a violation of the bankruptcy. It also says the payment status is current. 

If Experian actually verify the information shouldn't the information be correct that is incorrect or if they cant verify the information delete it? 

All these accounts list a chapter XXXX bankruptcy, they include account status as current, High limits and all items that are not allowed to be reported from accounts in bankruptcy. 

My birthdate is listed as XXXX which is inaccurate and incomplete. They also list a address I have never resided at and it's a XXXX in XXXX of XXXX while I have been living at XXXX XXXX. XXXX XXXX since XXXX XXXX.
On XX/XX/XXXX, I received a loan deposit from money lion plus of {$500.00}. Within 3 days of receiving the loan, I checked my money lion account yo see when my first payment will be scheduled. It showed that I owed a fee of {$19.00} months until I pay the loan off. It also showed that I will be paying a membership fee of {$36.00} biweekly in addition to my biweekly payments. I called them and was explained that its a membership fee since they dont run credit. And at the end of the loan term it will be reported to the credit bureaus. Well to start off, the membership fees are not conspicuous, you dont notice them or know about it until you have applied and funds have been deposited and nothing you can do but stay XXXX in this trap. This is definitely iilegal.
I have attempted to contact Equifax by mail and over the internet on multiple occasions to request they address my concern that they have placed XXXX accounts into my consumer credit report which are not consumer credit accounts, but were both for amounts the VA believed it had overpaid. Both of these accounts were paid but then both amounts were later refunded after a XXXX enquiry determined the amounts should be refunded to me. Unfortunately, the VA reported these accounts to Equifax, and they both appear as consumer credit entries on my Equifax credit report, despite not being consumer credit accounts. I believe that Equifax has violated the terms of the XXXX XXXX consumer credit agreement with the Attorney General of the State of Alabama that Equifax signed in XXXX XXXX which stated they would not post non-consumer credit accounts into credit reports. I received my most recent response from Equifax today ( XXXX/XXXX/XXXX ) and the continue to ignore my complaint that the VA overpayments are not consumer credit accounts and only state that the " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to XXXX company that the prior paying history is being reported correctly. If you have additional questions about this item please contact : XXXX 's XXXX, XXXX XXXX XXXX, XXXX XXXX MN XXXX > ''. I do not believe that under the terms of the XXXX state agreement that these accounts are authorized to be entered into my credit report per para XXXX of XXXX state agreement XXXX attached ) which states " The CRAs shall prohibit XXXX XXXX from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). ''
Experian offers no easy means to contact them via chat or by phone resulting in delayed response or no action being taken. The mail in option reference items that are non existence, asking for a report number or account number to process. When attempting to access via online or by phone, t stated my Birth Date was incorrect, so I tried calling and got into a loop of wanting to get to the fraud department but only allows to add a fraud alert, no way to address an existing one or get it removed. How can I get my credit removed from Experian having any access to it? I want to file a class action law suit for pretty much requiring someone to purchase their services to even get access to their own information that may or may not be correct. That in and of itself is illegal practices.
I deposited a check for {$1400.00} on XX/XX/2018 the funds are usually available in two days after checking my account Wednesday Wednesday XX/XX/2018 I realized that my funds were not available yet so I contacted the bank the bank told me there's a fraudulent hold on the check I spoke with supervisors who would not give me their ID numbers I spoke with fraud protection who will not give me their ID numbers I even spoke to the bank that the check was written out of I gave Santander Bank the numbers of my company the number of the bank that the check was drawn on and I'm still getting nowhere they got a hold on my check that doesn't need to be there my name is on the check it is my checking account it also says payroll check there's no need for a hold on this check it is XXXX time I can't buy gifts this was my layoff check I explained everything to Santander Bank and they don't care
I have been receiving harassing phone calls from Secure Capital Management , Inc. They are calling on behalf of a pay day loan I am not able to pay back. I spoke with the loan company a couple of months ago and told them of my financial hardship. XXXX called me repeatedly back to back yesterday at XXXX, XXXX, XXXX, XXXX, called my friend and my job. He verified my contact info and address. Shortly after he threatened me saying an officer is coming to my home to serve me and I will have to appear in court. I told him ok and he asked for my address again saying he did n't have it and needed it to give to the officer. He connected me to XXXX to make payment arrangements on yesterday to begin payment on XXXX XXXX, however, XXXX XXXX, an employee of SCM, called me today at XXXX and XXXX asking for my payment info. I understand I have a debt to be paid, and if I had the money I would surely do so. I am working on reduced hours due to cut back and I simply just do n't have the money
I opened a secure credit card account with Capital One in XXXX, 2018. I closed it on XX/XX/2018. I am suppose to get a {$420.00} refundable deposit returned to me, and a {$440.00} credit balance refunded as well, total = {$860.00} but I have not received either one as of todays date. IT is part of the credit card agreement and consumer has fulfilled his duties by honoring the credit card agreement and owes nothing to capital one on the account so he should get his deposit back as ( per the agreement after an account has been closed ), and the account paid in full. Consumer has uploaded saved chat with Capital One Represenative, ( see attachment ).
I have submitted XXXX disputes to Trans Union credit bureau regarding incorrect payment history for an account on my report - XXXX XXXX. The payment history reflects multiple late payments when in fact the account was paid in a timely manner. I have also contacted the creditor but no answer has been given after numerous attempts. I am not sure what else to do given the attempts and lack of proper response from the credit bureau.
I totalled my vehicle in XXXX. After paying my deductible and confirming that I did indeed have gap insurance through the dealer from which I purchased my vehicle, the matter should have been settled. Now, six months later BMW financial is attempting to collect money from me in the amount of more than XXXX. They also ran my credit when I attempted to buy a replacement car. After the credit was ran they told me the vehicle for which my credit had been ran was no longer available putting an inquiry on my credit for no reason. The claim number is XXXX adjuster was XXXX XXXX
I was approved by a mortgage by XXXX, but my current bank, Citizens Bank, said they would meet or beat any competitive mortgage rate. Based on this, I sent my good faith estimate to them which I received from XXXX with a 15yr 2.875 % rate and a {$1000.00} credit. As I have done banking with them for 20 years, and also have my business account there, they sent me an email saying they would offer me a better rate at 2.75 % with no discount fee and appraisal fee paid. I reached an agreement with the mortgage agent for a 2.75 % rate, no discount fees, and a {$500.00} credit. 

I went to the bank the next day and signed all the paperwork with Citizens Bank. Good faith estimate was sent to me three days later which was incorrect ( and inconsistent within the document from section to section as to what was being offered ). I informed the mortgage agent and was told that it was a system generated email which did not reflect our agreement, but it would be correct at closing. 

This was a short sale situation and the bank holding the property paperwork had already agreed to an extension and would not give another, so we had to close on XXXX/XXXX/15. 

Received the HUD one hour before closing and saw it was incorrect. It did not reflect our agreement ( and did not even match the Good Faith estimate ). The HUD showed the correct rate, but added discount points and I was charged for the appraisal. There was no credit given. Called the agent and she refused to re-issue the paperwork to the bank. Tried to call her supervisor with no success. As this was the last possible day to sign the closing I signed the paperwork expecting we could get this resolved after the fact. 

It has been two months since my closing and my calls/emails to the mortgage agent, her supervisor, his supervisor, and the regional vice-president have all been ignored. I have just now received a form letter stating they will not honor their original agreement. 

I have a complete timeline and copy of every email/call/document which I will attach ( and which I presented to my branch manager ) and am happy to meet or discuss this with anyone from your agency. 

Thank you for your assistance in having Citizens Bank honor their original agreement which was used to get me to sign up with them. 

Best regards, XXXX
I submitted a dispute via certified mail on XXXX XXXX 2017 to all 3 credit bureaus : XXXX, Experian, and XXXX. I disputed two accounts, XXXX XXXX and XXXX XXXX, stating I was no longer liable and requested they be removed from all three credit bureaus. I received notification from XXXX stating the accounts in questions were deleted from my credit file. I have also received notice back from XXXX were they are stated the information was verified, but not validated. I have not received any proof of the verification or validation regarding these disputes from XXXX  I have not received anything from Experian regarding this dispute and it has been over 30 days. I contacted Experian about the disputes and the rep stated she did not see where it had been submitted and for me to do it online or mail it in. I advised the rep that I had also faxed information, but she stated she did not see that information and maybe I needed to upload it. I have copies of all the disputes that were sent to all 3 bureaus and a copy of the certified receipts and the results from XXXX stating that these accounts were removed and deleted.
I would like to request my personal information to be updated correctly. I choose to opt-out of all pre approved credit card ads and insurance promotional screenings. 
My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. I am Self Employed Owner of XXXX XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX
I have/had a credit card with American Express for a long time. They bill me using my email address. They changed something and the bills went into my trash and I did not see them. After two month they called about the bill and I paid the bill at the same time they wanted a additional XXXX dollars for me t to keep the credit card when they are offering the same card for free. I declined the XXXX dollar fee and elected to discontinue. I had many years of points ( which are like money ) which after XXXX or XXXX customer service representatives telling me I could get them finally said I could not get them because I was behind in my payments which was their fault. What can I do to get my points?
I lived in XXXX XXXX XXXX XXXX for 3 years and always paid my rent on time. I had a walk thru my apartment before leaving, after I cleaned it and was told that I will not need to pay any cleaning fees. I told them to write that on paper and was told that there was no need. 6 months later there is a {$510.00} collection fee on my credit report by NCC BUS SV. I contacted XXXX XXXX and asked them to speak with the manager who did the walk thru and they said I can not and that I should pay the collection company. The charged me astronomical fees for cleaning. They said it was too late for me to do anything. I had moved to another state, XXXX and gave XXXX XXXX my address. They were sending me the bills to my apartment despite knowing I moved. They sent the bill of {$510.00} to the apartment address even though I moved. I called the collection agency and they only had my apartment address. The representative from the collection agency told me he agrees that I was done wrong and that I will need to contact XXXX XXXX XXXX in XXXX. Now NCC BUS SV  collection is showing on my credit report {$510.00}. Upon reviewing google reviews I am not the first person this was done too by XXXX XXXX XXXX in XXXX.
I received a letter in XX/XX/XXXX from an attorney, Kenneth Davidson, stating I owe a debt of {$1100.00} including interest. I wrote him back requesting my entire file from his firm along with the original creditor 's file since I have no idea who this person is. From what I understand per the Colorado Fair Debt Collection Practices Act, this is what I, as a consumer, am allowed to request. He mailed back to me a copy of a NSF check in the amount of {$40.00} that I had written on XXXX/XXXX/XXXX. This is all he sent me. Still having no idea who this person is, why I am just now being notified of a {$40.00} NSF check that incurred interest & not receiving any other information, I submitted all documents with my complaint to my Colorado Attorney General 's office. A server came to my home & gave me an Interrogatories form that I was supposed to fill out and return to this Kenneth Davidson attorney ( not the court ) within 14 days, a week later. I submitted this to the Attorney General 's office and received an email stating I need to find a lawyer because they do not give out legal advice. I did not feel comfortable filling a form out to someone that I do not know and am supposed to list very personal information. On XX/XX/XXXX, I received a CC letter from an investigator at the Attorney Regulation Counsel to this XXXX XXXX stating that he failed to comply with the Colorado Fair Debt Collection Practices Act, he had the opportunity to respond to the letter, he was to send in documentation and also address me that he failed to comply with the Act. My case number with the investigation is XXXX, if you need this. XXXX XXXX sent both of us a multitude of paperwork that I have never received, along with, a court document with my signature on it from XX/XX/XXXX, stating I agreed to pay this debt. It is my signature, however, it is mortifying to think of where else my signature has been fraudulently used because I never signed any documents with or in front of this person. I received a letter yesterday stating that I will be held in contempt and will go to jail if I do not fill out another Interrogatories form immediately to his office. This morning, the Regulation Counsel investigator 's secretary called and told me that I needed to find a lawyer for the Interrogatories form while they still investigate. I feel XXXX XXXX has violated Colorado 's statutes 12-14-108 by charging interest, 12-14-109 by not providing me the original creditor 's information, 12-14-107 ( h ) false representation or implication that the consumer has engaged in any disgraceful conduct, 12-14-112 deceptive forms - making up false forms he supposedly sent to me, and the Colorado Defamation Law 18-13-105 Criminal libel from the horrible things he wrote about me to the Regulation Counsel investigator. May I ask for your assistance in this matter? I have never been this threatened, discriminated and my name abused in my life! I am also XXXX. I have all documentation if you would like them. Thank you for your time.
The complaint has XXXX parts : 1. My reward program was frozen without any notice until i called american express. I was not be able to use any points when I needed. The loss need to be compensated. ( I have at least XXXX available points for use at that time even after point readjustment. ) 2. The sign-up bonus of my platinum card from american express was retracted some time later after program being frozen, although I got confirmed messages from XXXX representatives before - the points I earned will not be retracted. I did meet the requirement stated in the T & C - " spending XXXX within three month after opening the account ''. 
American express posted the sign-up bonus and froze the account silently after I met the spending requirement. Then after three months ( the time window for meeting the spending requirement ), they suddenly claimed that i did not meet the minimum spending and retracted the points. The reason they might give is that there was XXXX return which brings down the spending quantity. However, the return happened after the account was closed. It was legitimate and was not done deliberately.
I go to close on my XXXX XXXX XXXX XXXX property on XXXX/XXXX/XXXX ( one week and Monday is a Federal Holiday ). 

On XXXX/XXXX/XXXX advised by title company that Chase held 2 liens on my property ( HELOC & Mortgage. 

Took out HELOC ( Loan # XXXX ) with Chase in XXXX Refinanced with Chase Mortgage in XXXX XXXX. 

Chase HELOC paid in full ( at or shortly after close ) - not in dispute by Chase. 

Due to Chases ' negligence and indifference, thirteen ( 13 ) months after Chase admits that they were paid in full, my property is still being held hostage to their indifference which will very likely block the sale. 

XXXX/XXXX/XXXX Chase submitted Lien Release request to XXXX XXXX. 

Chase later following my discussion with XXXX  admitted that the XXXX document had been rejected due to error in submittal. They since have said they had re-submitted on XXXX/XXXX/XXXX or in XXXX XXXX ( but in neither but can they provide a copy of either doc. ) One Chase rep also said they received confirmation of lien release from XXXX having been processed ( again no copy available ) and before another Chase employee told me the re-submittal was in XXXX XXXX. Add to this a letter from Chase 's Executive Director XXXX XXXX, dated XXXX/XXXX/XXXX congratulating us on paying off our loan in XX/XX/XXXX( six months after the closing and after Chase supposedly submitted the 1st lien release request ; or a month after the latest date they claim to have submitted the 2nd request. ) I have begged to speak with their legal dept. and been told they have no legal dept and no lawyers at Chase ( Must be busy settling the $ XXXX XXXX in DOJ suits? ) Or to speak with someone in mgmt control to convey the urgency of the problem. Not only do n't they employ any lawyers but no managers either! 

I need Chase 's FAKE lien removed from my property in time for the XXXX to provide a clean title for our close next Friday ( XXXX/XXXX/XXXX ). 

I have spoken with no less than 8 Chase rep 's to date and have zero confidence that anyone cares or is even slightly motivated to resolve their negligence.
Transunion is reporting incorrect information on my credit report. I have disputed this information several times. I was informed that transunion needs 30 days to verify or delete the incorrect information. I keep receiving letters in the mail from transunion stating they need an additional 15 days. According to legal advice if the company does not respond to them the item is to be deleted from my report. I keep disputing the following information that is reporting incorrectly : Teachers Federal credit union acct # XXXX is reporting twice as " Discharged through chapter XXXX bankruptcy '' This totally false and incorrect as I never filed for chapter XXXX bankruptcy. The next item is XXXX ... ..this account was PAID in full 2 years ago ... .I have written letters/contacted XXXX ( which is no longer in business ) so I contacted the collection agency they sent me to. I should have never been put in collection to begin with as this debt was paid in full. ( The collection agency had agreed to remove this debt as it was verified through whom I do no know as I mentioned earlier XXXX is no longer in business ). It has been agreed it will be removed from my report. ( Upon checking my credit report again today it is still reporting ). Capital accounts is the next item that was to be removed off my report. I had contacted capital accounts and it was verified it was to be deleted. This account was deleted from another credit reporting agency but not yet from Transunion. I keep disputing this information and it just remains the same which is affecting my credit score in a very negative way and affecting me in obtaining substantial credit. I am submitting this complaint as I have spent hours and days trying to resolve this. I am also complaining about transunion as to the fact when I call them I am told that my report is being held under another department. ( Fraud dept ) ... ..I get transferred to speak to a human in the fraud dept and all I receive is an answering machine. I 've sent proof to transunion and the mail is returned to me. I am complaining about this credit reporting company as it is getting very fustrating in trying to correct this wrong information.