WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax - Shows 2 Chapter XXXX bankruptcies with 2 different status ( discharged ) dates. One is correct in that our bankruptcy was discharged XX/XX/XXXX and the other is stating the discharge of XX/XX/XXXX. 
I have called several times within the last couple of days ( XX/XX/XXXX ). They are unable to fix anything because they say a dispute can take up to 30 days. The next time I called, they said to fax and it will be verified within 48 hours and that someone will contact me. I called again, they said that it was 48 hours just to process the papers and 30 days to dispute. I then later spoke to a supervisor who told me that the Chapter XXXX bankruptcy does not show 2 different bankruptcies. I asked if they could type a letter stating this information. He told me that he was mailing credit report and I should get it between 7-10 days. I called the next day and they told me that the lender can call the business customer service and I that I had been calling the dispute center. 
I have let them know each time that this is an error on their part ( kindly ) and that if this does not get fixed soon, that my family of XXXX will be homeless because our FHA Loan will not be processed for our new home in XXXX ( we live in XXXX, my husband is working and living in XXXX   while me and the kids live in XXXX right now ). Lender called the business customer service and could not get anything resolved. He spoke to a representative about the situation and they muted him while he spoke. They were very rude. My lender uses XXXX and has shown me the recent credit report that shows Equifax reporting 2 separate Chapter XXXX bankruptcies, both with same filing date but both with 2 different status dates.
Over the last 4 years i 've battled with illness and other health issues. I knew someone had used my information to get credit cards and medical stuff but could n't even handle it. This year my health has picked up and I 've been working to clear the fraud off my credit report. For some reason after disputing it 's still there. Theres a medical accounts that keep changing their names and theres nothing I can do. This feel s like my last stop.
I called into TransUnion on XXXX XXXX, XXXX and I spoke with Special Handling Supervisor XXXX XXXX. I informed her that there are invalid inquiries in my credit report that I did not do, nor did I authorize these inquiries on my credit report. I requested that she removes them or dispute them since they were not mine. I also mentioned to her that I had submitted a police report to TransUnion earlier this year that explained that my purse was stolen with my social security card in it and this makes me prone to possible identity theft. She refused my request, even though I informed her that i had reached out to the businesses who performed the inquiries, but they too have n't responded. I also informed her that the other two credit bureaus, XXXX and XXXX  had either disputed or deleted the incorrect inquiries from my credit report. Again, she refused. These inquiries are not mine and I should not be held accountable for anything that is not mine ; especially since I have reached out and tried to resolve the situation. Based on the Fair Credit reporting Act, any unauthorized inquiry must be investigated and proven valid. XXXX XXXX did not do this. In accordance with the Fair Credit Reporting Act, I request that TransUnion investigate my claim and if they find my claim to be valid and accurate, I need them to please delete the unauthorized inquiries. Furthermore, I ask that they send a corrected copy of my credit report to me. The following inquiries are incorrect and unauthorized : 1. XXXX XXXX XXXX XXXX requested on XX/XX/XXXX ; 2. XXXX XXXX XXXX via XXXX XXXX requested on XX/XX/XXXX ; 3.XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX requested on XX/XX/XXXX; 4. XXXX XXXX XXXX requested on XX/XX/XXXX ; 5.XXXX requested on XX/XX/XXXX. These 5 inquiries are unauthorized and invalid. TransUnion has refused to provide me with proper validation of the inquiries and they have not considered the police report because they state that they need a " proper law enforcement document, '' but a police report is a lawful and verifiable document. The other two bureaus investigated the invalid inquiries but TransUnion has refused to do so and they have not presented me with any proof that these inquiries are mine. The Fair Credit Report Act states that TransUnion must provide valid documents showing i did authorize these inquiries. PLEASE ASSIST
I want this false debt to be removed or proved that it is mine. 

This is my rebuttal to the response from ALL XXXX credit Bureaus as well as XXXX XXXX. The information XXXX XXXX provided me as proof that Accountis my account, is the exact same information that all XXXX of the Credit Bureaus provided. 

I need LEGIT proof that the account is my account. Not just my " personal information '', that I, myself, provided to XXXX XXXX and to all XXXX credit agencies. 
What XXXX XXXX did, was send me back a general response in which they hope I will drop this and not continue to fight for proof. I have every right to request legitimate documents to prove this account is mine, as payment records with my signature and bank payments and so on. I am challenging XXXX and ALL XXXX Credit Bureaus verification methods. 

I have the right to see what proof, if any, that XXXX XXXX has to show that this account is mine. Any XXXX person can provide an new or old phone number, my address and so on. Half of that information is found on line for free. especially since I offered all of this information on my XXXX letter. 

I am requesting that ALL XXXX credit agencies provide me with something more accurate and legitimate to prove XXXX XXXX is my account. For example ... the original contract and a record of the last payments that were made, how they were made and when they were made. The dates this was reported on is not a long time ago, so XXXX XXXX should be able to furnish this information since I am completely sure this XXXX XXXX accounts is not mine. 
I am requesting a formal validation of this account ; I am entitled to request the following:1. Proof that you either own or were assigned the deb t from the creditor2. Proof that you have the right to collect this debt in the state of California3. Proof that your company carries a bond4. Proof on how your company assessed the outstanding debt5. Payment history from the original creditors ( must provide source of payment ) 6. Copy of the original contact bearing my signature. 

XXXX as well as ALL XXXX credit agencies are not complying with FDCPADOB : XXXX/XXXX/XXXXAccount Name : XXXX XXXXOriginal Creditor : XXXX XXXXAccount number : XXXXDate Open : XXXX/XXXX/XXXXLast Updated : None ShownReported Since : XXXX/XXXX/XXXXStatus : PAYS AS AGREEDCredit Limit : $ XXXXAddress : XXXX. XXXX XXXX XXXX NV XXXXXXXXAmount Due : $ XXXXLast XXXX of SS # XXXX
I moved from XXXX to XXXX switched my insurance and notified Wells Fargo of the new insurance information. Well Fargo neglected to update my current insurance information. Wells Fargo charged my loan for an insurance policy without contacting me. Once I realized what they did I contacted them and was told everything would be reversed. That was 4 months ago. They continue to hit me with late fees and finance charges. I even have a recorded conversation from XXXX/XXXX/XX/XX/2015 where she says she will reverse and nothing was done according to my XXXX statement
I need to grant access to an outside party to verify my account once I Sign in with my username and password
have sent in certified letters stating and showing that several fraudulent accounts/police report and inquiries we 're open without my consent and permission on dates beginning XX/XX/XXXXand currently now. It 's been less than a year 11 months to be exact and counting coming intoXX/XX/XXXX that no verifiable documents baring my signature was sent out in the mail to me by Dept of EdXXXX, Security Credit Services, several Inquiries and accounts we 're made without my consent and approval. I have been suffering a great deal of time since last year and all I get is a bogus Veirfied letter by credit bureaus and creditors. I am truly frustrated at this point and my next step is to file a civil lawsuit againsXXXX XXXX  & the creditors for breaking several FCRA laws.
I have disputed with Equifax Credit Bureau and the creditors and pointed out the errors that are listed on my credit report. After pointing out the errors, the items are still showing on my credit report.
I was previously listed as an authorized user on an XXXX XXXX card. I was taken off of the account on XXXX XXXX, 2016. I am not liable for this account and did not give explicit permission to be added. This account should be removed from my XXXX credit report as it is an authorized user account. When speaking with someone from the XXXX credit reporting team, I was told per the FCRA, it has to be listed for XXXX years. I would like to know exactly where in the FCRA it states that authorized user accounts can not be removed on request.
My mother since 2012 has been receiving calls from a XXXX Company looking for XXXX. My mother, XXXX XXXX, since having acquired the number in 2012 from XXXX started receiving calls. As she does not speak XXXX, she tells me that they call and hang up once she starts talking. I return the numerous calls and after speaking to someone, always find out its actually for an XXXX XXXX. After a heartless apology for the mistake the countless reps over the years have vowed with every fiber of their being to remove the number to ensure she never gets a call again. A few months go by before another call looking for an XXXX XXXX from the same company. Today was the last straw, I called back and spoke to a representative and then his manager XXXX XXXX who was extremely rude, condescending, and was deriding my XXXX background when I was speaking to my mother the victim of these non-stop harassment calls that she does not understand. XXXX kept overtalking me and refused to apologize for the way he was speaking to me. Again the calls for XXXX XXXX has been ongoing for over 3 years. XXXX has confirmed with me that the they have XXXX XXXX for my mothers number XXXX and they do not know why this collection company say its XXXX XXXX.
My loan is through conns. They do not send out statements advising me of my balance. Their online websites does not show me a history of my payments nor does it show me what my current balance is. Customer service states that they do not send statements. Keeping track of what is owed on this loan is very difficult and I have gotten mixed information from the store before which has caused me to be responsible for a finance fee. There is no transparency with the balance of the loan or payments made though there site and I have lost faith in popping into a store to get accurate information.
Today, XX/XX/XXXX I was denied an appointment to sell XXXX XXXX products because they were unable to obtain a report from Experian. An insurance must have carrier appointments and I need to allow companies access to my credit report. 

I was informed there was a VOLUNTARY CREDIT FREEZE from XX/XX/XXXX on my report from Experian. I followed the link to remove the freeze and filled out the required information. At the end of the form I was required to submit payment to remove the freeze which I did. My credit card was charged but the freeze was not removed. 

I attempted to call the customer service line to inquiry what further actions could be taken. It was automated and there was no option for my particular question so the system hung up on me. 

There is no information on the customer service website that allows access to a representative but I was able to XXXX search and find a contact number. The representative asked questions and put me on twice. It appeared the problem was about to be solved but then after another hold I was informed that there was a " problem ''. I asked what the problem was and was told it could be a number of things. The only remedy is to start over with a new pin number that will take 7 - 10 days to arrive by mail. At that time I can try again. I have no choice except to wait and hope for a better outcome next time. 

I have answered the questions asked and paid the required fee. This situation is preventing me from working with any new companies. How can I correct this?
Seterus took over my loan from XXXX XXXX XXXX in XX/XX/XXXX ... Since then my wife and i declared Bankcrucy XX/XX/XXXX it was final.. I was 2 or 3 months behind on the mortgage do to lack of work ... XXXX XXXX XXXX gave the mortgage to this Bad company!! I have been trying to refinance my mortgage since XX/XX/XXXX but to no luck! Steers just keeps telling me to send the same old paperwork in and ask me if i want to get ride of the house.. Since it worth more then i owe!!! CAN SOME ONE HELP ME!!!! This is a joke and a run around!!!!! I have been paying the mortgage and giving extra money .. I am on a forbearance Never heard of this before!!
Ncc is reporting XXXX balances of {$1400.00} and {$500.00} and they do not show me any information on it.
I signed up for 7 day free trial upon logging in to cancel I could n't find anywhere to do so, I left a message on XXXX XXXX ( handles fraud claims ) on XX/XX/XXXX approx time XXXX XXXX On XX/XX/XXXX I received message from a XXXX tele # XXXX stating she was calling to make sure the 7 day free trial was canceled off my bank card could I please give a call back. XXXX. Upon calling back she verified who I was my SS # and e-mail and stated she could n't find anything under either SS # or e-mail I signed up for, only thing I signed up for was a FREE CREDIT REPORT every month ; so do n't worry nothing would be charged to my card. I later checked my credit report only to find Experian had put a Medical bill back on my account which violates HIPPA ACT and my score has dropped 50 points. I have voicemail presently and she was very misleading. Along with ; has my bank card or is it going to be charged? I Stated on the XX/XX/XXXX on XXXX vm I  wanted my service cancelled Do Not Charge My Card!!
my name is XXXX XXXX I had lone from welfargo I bought hose I took lone XXXX I paid XXXX I had remaining XXXX my wife divorce me the judge order her to live the house so left me my XXXX dougter living on the house so I cadent afford to pay I asked several time to reduce my mortgage XXXX housing cancel help me to talk to welfargo they fax all the paper work to welfargo they no respond I did XXXX to file bankerbcy XXXX XXXX XXXX XXXX Bankruptcy Attorney I found out he never pay welfargo he garnished my checks XXXX every 2 week XXXX evry month welfargo they drop the bankerbcy cadent afford to pay I had depereshen the divorce the bank gave me hard time I started rent the house pay the mortgage but my ex wife e invected my tenant at same time welfargo took me to supreme court asked the court to review my mortgage the cort say his not kipping the house the court give as time to seal the house from XX/XX/XXXX to XX/XX/XXXX I never notified from welfargo they sel the house on action on XXXX for XXXX and they new owner he took me twice the city court dismissed the case twice the court told they new owner he have to have 90 days notes but the new owner some how he know people XXXX conty sherfe they luck my house my car and my close inside write now I am both haven XXXX I am homeless I do n't know what to do Address : XXXX XXXX XXXX XXXX , XXXX, NY XXXX Phone : ( Hours : Open today XXXX-XXXX
Collection Agency is attempting to collect a debt on a camera issued speeding violation that occurred on Interstate XXXX in XXXX XXXX, IA in XXXX of 2014, which the details of the violation are inconsistant with Chapters XXXX and Chapters XXXX code of Iowa XXXX the type of penalty ( criminal or civil ) for scheduled moving violations and who they are levied against ( owner or driver ) and the fine amount itself is not compliant with the scheduled fine structure outlined in Chapter XXXX Code of Iowa, contradicting state law and therefore is legally uncollectable. Iowa law states the driver of a motor vehicle commits a simple misdemeanor which is punishible by a scheduled fine including a surcharge, and sentenced by a sitting judge in a criminal court setting. The collection agency is treating this as a civil debt against me as the owner of the vehicle. Iowa state law does not provide any penalty whatsoever to the owner of a vehicle that is involved in a speeding violation, making this debt not legally collectable. Further more I have never been ordered to pay the amount due in any type of court ordered judgement, nor have I signed any contract nor agreed to be bound by any terms of the collection agency or the original creditor. The collection agency is illegally reporting this debt on my credit report in violation of the Fair credit reporting act ( permissible purpose ) and even attempting to collect the debt in the XXXX place is violation of the Fair Debt collection practices act by misrepresenting the legal status of a debt.
My original order was shipped to the wrong address. The company promised to resend the gifts to my mother. I made payments on the account but months later I asked my mother about her hat and dress and she informed me that she never received the gifts. I immediately notified the company, demanded a refund of the payments I made, and closure of the account. Until I saw the documents submitted for validation, this is why originally I thought this was a result of unauthorized use. I knew I did not owe a balance because I did not receive any goods or services.
Hello I XXXX XXXX XXXX transferred virtual currency ethereum ( {$2000.00} worth ) into Coinbase wallet on the XX/XX/XXXX in order to sell for US fiat dollars and was told that I owe an amount of {$390.00}. I then proceeded to try to pay for the fee with my virtual currency which I was told I was able to do, and was not able to via the website and/or mobile app. Contacted Coinbase and was told that they will put in a support ticket which this is my reference number # XXXX. I was told by the employee at Coinbase that they would contact me via email by the end of the night, if not the following morning but no longer than 48 hours. We are now on the 5th day. I've contacted them two other times from the last 2 days from the date of today on XX/XX/XXXX with no help. I just want to pay what I owe which I have the amount available to pay in the Coinbase account that way I can complete my transaction.
Hello, This involves all my personal information data hacking that has recently been affecting my credit score and also my XXXX XXXX XXXX accounts. I am a victim of identity theft and have reasons to believe it has come from Equifax. I have never experience any bank account being compromised until this. I have been forced to close all my bank accounts, credit card. Now, Equifax has lowered my credit score.
InXX/XX/XXXX, my daughter was accepted into XXXX XXXX College. However, after one week, she  asked to come back home because the school climate was not conducive to her as an XXXX XXXX. She withdrew from the college and then we started receiving invoices for repayment of a {$5000.00} loan. This private loan was never distributed to her nor my account so we do not understand why we are repaying a loan for one week  's stay.. 

When I asked about this loan of which I believe I am a co-signer, I was told the school records indicate that she was enrolled from XX/XX/XXXX to XX/XX/XXXX. This is incorrect and this loan is being questioned. 

The school 's admission office was pushing all type of financial aid so that she could attend their school. 

We would like this matter investigated.
In this case, XXXX Services ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MN XXXX, representing their client XXXX XXXX, refused to acknowledge that I never had an account with XXXX and do not owe said XXXX XXXX {$2500.00}. XXXX wrote back that the entry meets the requirements of the Fair Credit Reporting Act. However, that is impossible given that I never engaged their client and only had XXXX and it 's predecessor. Please assist in preventing them from collecting under a false premise.
In the process of obtaining a XXXX-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the XXXX, Experian and XXXX consumer reporting agencies. Contained therein was an account for XXXX XXXX XXXX under account number XXXX. <P/>Vehicle purchase in XX/XX/XXXX - it was traded in without a single delinquency in XX/XX/XXXX. With that said, the XXXX, Experian and XXXX credit reports each contained XXXX XXXX 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/>I disputed the erroneous late payment with XXXX XXXX XXXX, in addition to XXXX, Experian and XXXX. It was my contention that this account was never delinquent. <P/>On or about XX/XX/XXXX XXXX caused this account to be " updated '' at the XXXX, Experian and XXXX to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/>My credit score at the XXXX, Experian and XXXX consumer reporting agencies immediately dropped more than XXXX points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/>I contacted XXXX, in addition to XXXX, Experian and XXXX to report the error. XXXX XXXX advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/>I entered a dispute on XX/XX/XXXX with XXXX, Experian and XXXX but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current time.
I invested {$2000.00} to start a Health Savings Account with XXXX   XXXX  a NY Mellon Bank. On or about XX/XX/XXXX, I noticed strange transactions on my on-line statement. I had used the account on XX/XX/XXXX two times to make a payment totaling {$520.00} to a medical provider. However, the account transcript showed a XX/XX/XXXX withdrawal for {$1900.00}. On XX/XX/XXXX, there was a deposit for {$3500.00}. Again on XX/XX/XXXX, there was another deposit for {$3700.00} ( both marked tax year XXXX. ) On XX/XX/XXXX, the account was debited {$7200.00}. In fact, the XX/XX/XXXX withdrawal of {$7200.00} was payable to XXXX XXXX XXXX. This name is not part of the account ; we have no idea who this is and do not recognize this name as a payee or medical provider. 
None of these transactions aside from the XX/XX/XXXX {$520.00} withdrawal were done by me or any family member. In fact, on XX/XX/XXXX, I submitted an affidavit of unauthorized/ improper direct pay activity to XXXX XXXX XXXX at XXXX. XXXX XXXX, XXXX, New Jersey, by certified mail. There had been no formal written response as promised. Not hearing from XXXX XXXX, I called several weeks later to a customer service agent, who said they would check. The agent eventually said the investigation was concluded and that somebody had used MY IP address and created a new e-mail account, and accessed my online bank account ... I did not perfectly understand the spoken voice of the agent ; I do not recognize the email nor did I authorize anyone to change the email on file. I was told the account was closed. I challenged the agent on the telephone why a written responseor any responsehad not been sent to me aside from the call we initiated. 
I have lost {$1400.00}, plus the time accrual of the account, plus the time taken to address this issue.I requested a written responseand satisfaction. On XXXX after many calls and contact with XXXX  -NJ, I  finally recived a transcript of the so call " Operation Team '' showing were the unauthorized transaction originated, somewhere in California .My money has been stolen. XXXX XXXX either maliciously or carelessly blame me for this unauthorized transaction. Do not open accounts with this bank.