WillisBack/dataset-financial-user-claim huggingface dataset:
Date on my credit report is XX/XX/XXXX. This was for a home I rented with former roommate. I disputed this on my credit report last year and they have not removed the charge. I would like to have this resolved seeing as I passed the walk through in the home. In XXXX the home flooded due to the water heater busting. The renters waited 2 months to fix anything. The home smelled of mold because the water got into the molding. They never removed the carpet. The smell went on for 5 months and I emailed PROGRESS RESIDENTIAL multiple times and no one would help me. We paid each months rent. I never received the deposit back and on top of that I see a charge on my credit report for {$820.00} and to date that amount is now {$1000.00}. I have not signed anything or been given notice as to why the amount has rises? I have copies of the email being sent from myself to the renters where they were unlawfully letting us live in horrible living conditions for 5 months.
On XX/XX/2018 Transunion is verifying an account as accurate on my Credit Report with the Agency name XXXX XXXX XXXX XXXX XXXX  but the Credit information disputed is XXXX XXXX. I have never owned an account from an agency named XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. This information is Wrong please fix this problem Thanks.
I received a call on XXXX/XXXX/16 at XXXX from XXXX XXXX XXXX of NRS North East Recovery. She wanted information on my brother. 
I asked her how and why she was calling me when my number is private and listed with the Do Not Call Registry. My brother does not live with me. She said she could not give me any information because I was not his spouse. She also would not give me an address for this company. I told her she is being reported and will submit a claim against her. I told her that she stole my phone number! I told her that my mother had just passed away on XXXX/XXXX/16 and that if she calls any of my other family members trying to get information on my brother during this terrible time we are going through, that I would take legal action against her and her company. 
I also received a call on my cell phone from another cell phone number minutes before and I believe it is from the same company. 
The cell phone numbers are XXXX and XXXX. 
The call back number that XXXX XXXX left on my answering machine is XXXX.
My mortgagee " XXXX XXXXXXXX XXXX '' - SLS, was notified in writing by me that my balance was incorrectly increased from $ XXXX to $ XXXX, and that my payment history was incorrectly reported from XX/XX/XXXX to XX/XX/XXXX by showing I was 150+ days delinquent. Received letter from SLS, after filing dispute with XXXX of Colorado, that they made a mistake, and all payments were " Paid as agreed. 
My credit report was never corrected by SLS as of XX/XX/XXXX. 

Needs correcting to remove negatives scoring on my FICO reports for both XXXX  and XXXX
Around XXXX, I moved into a new apartment. After changing my address, my First Tennessee Bank XXXX Card ( Prepaid debit ) was locked for security reasons. I called in shortly after to unlock my account, and it had to be escalated to a security team. I never heard back from them about this, but my account remained locked. 

In late XXXX, I called back in to try and get this issue settled XXXX and for all. They, once again, escalated my account to the same security team. I was told to call back after 5 business days to see what updates had been made on my account. A week or so later, I called back in and the customer service rep told me to wait a couple more days to see if an update goes through. 

A few days later, I called again, and the rep then said she would escalate my account again because there had been no such update. Five business days later, I call in and the rep says that she does n't see the second escalation, but then does re-escalate my issue. 

I 'm honestly unsure which rep told me this, but I was informed that the issue was that they could not verify my previous address ( but this was n't an issue until I changed my address to my new apartment ). This rep asked for my old address and said that she sent it in with the escalation. 

Five more business days later, I call in again, and the rep is flabbergasted and says that my account has been escalated twice and there is still no update. She said she would notify her superior regarding the issue and to call back today ( XXXX XXXX, 3 business days later ) to see if there is any update. Of course, the rep told me that the escalations can take up to 3-5 days and to call back after a little more time. 

This is unacceptable. I have been unable to access my funds ( & gt ; {$500.00} ) for months now because my account is locked and nothing the reps seem to do makes any progress towards unlocking it. To make matters worse, there 's a XXXX $ monthly fee that might be being charged to me even though I ca n't access my account.
Bank of America had a credit card for me years ago. They set me up on a payment plan and advised me that my account would report paid as agreed. I had several people from their service line talk to me assuring me it would n't hurt my credit, but now they 're reporting it 150 days past due at some point. It 's been paid off for years in full. My credit scores are all over XXXX with all accounts paid as agreed. I feel they misled me and said whatever was required to get me on the payment plan. It was deceptive. I 've since asked them for records of the calls and past statements. They said they can not provide either. I 'm curious how they 're sure about anything on the account if they ca n't provide me records for transactions less than 5 years old.
I received a notice on   XXXX   XXXX   from  Citi Cards  indicating that I have a balance on my  Macys Citibank account  in the amount of {$210.00}. I want to dispute this amount for the following reasons : A. The amount of my original purchase was only {$27.00} and the remaining balance of {$180.00} represents late fee charges and interest.    B. I ne ver received a billing statement because the wrong address was entered by your sales person at the time I established the account. Both  the street addr ess and the town were incorrect.   C. According to   the Citi Card representative the billing statements were returned to you marked incorrect address.
D. No one from Macys every con  tacted me either by email or phone to let me know of a problem.     I am only willin g to pay Macys the amount of my original purchase. I contacted the Citi Card number to arrange payment and they indicated they could not make a credit adjustment for the {$180.00}. They were very unhelpful and also when I called Macys  dispute department I continually was redirected by Robo-phone to your Customer service department who told me they were not authorized to make an adjustment.
I have a tax lien on my credit file that was withdrawn from the State of Michigan and is properly filed on XXXX by the XXXX County Register of Deeds. I have sent copies to the credit bureau and they continue to verify the lien as reported properly. When I call and tell them it is wrong, they continue to say it is correct. The XXXX County Register of Deeds has recommended I reach out to you as this is an ongoing problem and they have no idea why Experian will not remove this. Also, I purchased a new vehicle in XX/XX/XXXX. I authorized an inquiry from XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. Some how my credit application went to several banks and credit unions instead of just those XXXX. When I told the credit bureau of this, their response was " inquires are a matter of record and remain for 2 years and they are unable to be disputed. If I want them removed, notify each bank and credit bureau and have them send removal request ''. Experian is affecting my interest rates and potential to obtain credit
I recently contacted my VA representative about my current situation ( unemployment ) and he suggested that I submit an application to USAA/XXXX  to get a forebearance that will allow me to get 12 months of forbearance to allow me time to find a job. I submitted the allocation for a loan modification based on the fact that I was unemployed. After months of them losing my paperwork and finally getting a package to submit to the department for approval of my modification, I was told that my application was denied because of lack of income. This is ridiculous because I informed the mortgage company that the reason I was applying for a forebearance was due to my unemployment. Harley was the individual that I was working with. I informed her that I had signed into my account and the amount that is shown is significantly less than the amount that she was quoting. She kept telling me the amount was the same and I should look farther down the site and there was nothing noted that the amount should be different. In fact the amount was {$1800.00} different from what she was quoting. I asked if I could make the $ XXXX plus and she indicated that I couldnt do so. I said I found pay all of the back payments that I owe but I wanted them to wave the fee and they refused. I asked them to wave the {$790.00} late fees and they refused. The late fees are excessive and i dont believe my original loan allowed for the excessive late fees. I owed more in the year they had my loan than in the 5 years of my previous mortgage holder. I also asked for the documents that alowedngor the excessive fees. I asked her to give me an itemized statement of what the corporate advance were and they sent out a form that didnt itemize the corporates advacnex. She said they were also charging me an additional {$14.00} a week to have someone go to the house to make sure it was still occupied. I asked her why was that necessary and if it was necessary then why would they charger that fee to the consumer who is already having difficulty paying their mortgage payment. They also charge {$860.00} in late fees that Included late charges when the account was in foreclosure and also in loss mitigation. This shouldnt have been charged. It is my opinion that this company does nothing to assist the consumer. I believe they are in the business of trying to foreclose on home with a lot of equity in the home. When I asked for assistance XXXX pretended to want to help me stay in my home. I waited a week or so to see what she would do and called her back and she had done absolutely nothing and I asked what she had done and she said that she was going to wait so she could give me my options of short sale or deed In lieu ... so how is that helping me to stay in my home. I am a XXXX  veteran and single parent and I had no assistance from either the VA or USAA. I want to ask to have my money for the late fees returned and the {$1800.00} that the mortgage tacked on to my payments and and clear and concise explanation of any oleander all fees.
Im disappointed that I disputed XXXX XXXX XXXX/XXXX XXXX on theyre innacurate reporting and they sent me a fake application with a forged signature of my name and fake phone numbers and relatives on the application. 
This a violation of the FDCPA I intend to file lawsuit I have sat down with my attorney to review the errors on my report Im extremely disappointed in XXXX XXXX for sending a fake application to me and them not correcting my credit report by removing this account
EQUIFAX HAD REMOVED THE XXXX WEB BANK BECAUSE I HAD SENT IN PROOF THAT THIS ITEM WAS TO BE REMOVED ONE I PAID IT. BUT THEY TOOK IT OFF THEN PUT IT BACK ON
I am being charged more for interest than I agreed to in my contract. I believe this company is stealing from me.
Report Number : XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : Previouse deleted fraud ittem on my credit report Experian report # XXXX XXXX Account Number : XXXX XXXX Account Number:XXXXXXXX XXXX Account Number : XXXX Account Number:XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX/XXXX Account Number : XXXX Account XXXX are fraudulant inquire XXXX XXXX XXXX.Date of Request:XX/XX/XXXX s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly. XX/XX/XXXX
XXXX XXXX XXXX XXXX has put many debts ( 8 on XXXX alone ) on all my credit reports. In XXXX, I sent a request for a verification of debt and XXXX XXXX XXXX XXXX did not respond and continues to report multiple errors to all credit reporting agencies. Per FCRA, since they did not verify they debt, they should not be reporting errors to the credit reporting agencies.
I am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent accounts. For yet another last time, the following accounts are as a result of fraud : XXXX  XXXX/XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX  XXXX/XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX/XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX  XXXX XXXX, ACC XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$8500.00} XXXX XXXX XXXX  XXXX, ACC XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$620.00} This letter is a written proof of my intent to find a resolution for this case failure to which I will file a lawsuit against this company.
The company has changed hands three times and my escrow information is incorrect they have not gotten this straight and have harrssed and caused me to loss tenants and cause me extreme stress and my balance is incorrect. I have documents to prove it but can not get them to listen.
Good morning, I recently received a copy of my Equifax credit report and after reviewing it, I found information on the report that are inaccurate. The account in question is below. I disputed the information via Equifaxs website. However, the information has not been correctly verified yet still remains on my credit file. As of this date, I have not received any copies of the documents that Equifax have in their files verifying the accuracy of said account. 

XXXX XXXX XXXX XXXX {$65.00}
I applied for and was Granted a " Big Picture '' payday loan. I was not however informed of the finance charges and fees associated with the loan until after I had " verbally & Electronically '' signed the document. I feel I should have been better informed of the trouble I was getting into. As the loan stands they 're going to charge me 866.2449 % int. fees, and Will end up paying back {$1400.00} on a {$300.00} loan.
On or about XX/XX/2018 I submitted my first dispute letter, per section 609 of the consumer 's Fair Credit Reporting Act section to each of the major credit bureaus, XXXX, Experian, and XXXX to inform them about the incorrect account reporting on my credit file. There is a total of XXXX negative items that were disputed. 

I did not receive a favorable response from neither of the credit bureaus. I have submitted dispute letters every month since XX/XX/2018 through XX/XX/2018, which totals 8 months and 8 dispute letters. 

The last response letter that I received from Experian stated that the investigation will no longer continue, although I have sent new information to support my claim. 

The last response that I received from XXXX was only a copy of my report reflecting no changes in the investigation process. I requested information regarding how the investigation process was conducted and who verified the accounts, but I have not received a response from XXXX regarding the investigation process. 

The last response that I received from XXXX stated that the information was verified as accurate although NO actual proof was supplied by the collection agencies nor creditors to XXXX. XXXX updated each disputed account with information regarding the credit entry rating, payments made, name correction, etc., but none of the actual information was deleted per my request. The accounts are reporting incorrectly, and should be deleted.
About a year ago I had a debt collector convergent try to collect a debt for XXXX in which I still have XXXX I disputed this with all XXXX credit bureaus and they removed it form my credit report they are saying I owe XXXX I do n't owe this money I never miss any payments for XXXX and I still have XXXX as of today
I was affected by the Equifax hack that occurred in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2017 and widely reported on X/X/17. I have used the site Equifax set up to identify if your information was compromised ( that 's www.equifaxsecurity2017.com ) and was given a message that confirmed my personal details may have been leaked. I am using Equifax 's complimentary ID theft detection offered through said website via XXXX, and have already put a 90-day fraud alert on my credit reports. That said, the fact that this data breach happened at all is a company wide failure, and further action should be taken by CFPB to ensure higher protection standards for personal information and a clear account of how this happened.
Repeated calls @ XXXX XXXX varying from 2-5 times/week. I have repeatedly told them I do not know the person they are trying to contact, have had this phone number 6+ years and please quit calling me. The company ( Allied Interstate ) representative I talk to each time assures me my number will be removed from their database, yet I keep receiving calls.
XX/XX/XXXX we submitted a purchase contract to Nationstar Mortgage for consideration on a short sale. we requested HAFA consideration and we were told the file would be processed as HAFA. Nationstar countered the offer we submitted and we accepted the counter. the price was XXXX when the purchasers lender appraised the property he found problems that required an adjustment to the price. the appraised value was XXXX when we submitted the appraisal for valuation consideration Nationstar came back XXXX higher than the counter XXXX they initialed countered to us. 3 weeks ago they ordered another BPO and we have been trying to find out the value they have assigned to the property. I have called and emailed several times and keep getting the run around on this short sale. the seller can not make the payments and this home is destined for foreclosure unless they get moving on the determination.
Three years ago Debt Recovery Solutions put a collection on my XXXX and XXXX credit report stating that I owed {$420.00} for a physicians bill acquired through XXXX XXXX in XX/XX/XXXX. I called XXXX and they confirmed that I had no outstanding debts and they also confirmed that I had no services through them prior to my XXXX in XX/XX/XXXX, which I paid for 3 weeks prior to my XXXX. I got it removed from my report. Now that I am applying for a mortgage they put it back on my credit report and sent me two letters that I owe {$860.00} for services rendered by XXXX in XX/XX/XXXX and I owe another {$860.00} for services rendered by XXXX in XX/XX/XXXX. The letter said they are having a sale and I can settle these accounts, the XXXX from XX/XX/XXXX for the amount of {$380.00} and the XXXX from XX/XX/XXXX for the amount of {$350.00}. This is a total scam and they have hurt my credit, caused me to loose a deal on a property I wanted to buy and continue to make false reports to the credit reporting agency. What can I do to clear my credit and stop these scammers? I found over pages of similar complaints on the internet. This company must be stopped. 
They also said my address was from a property that I own but it is investment property and I never used it as my mailing address so I know they likely pulled that from the auditors web site.
I was not approved for a transaction I was purchasing with my credit card one day last summer, and when I called the bank they stated the account was on hold for a bankruptcy. I then went to get my credit report from online and saw a bankruptcy and judgement that I have no knowledge of whatsoever. I then went to file a police report, I sent documents including my FTC affidavits and dispute letters which I sent to the alleged creditors and it appears they are in some kind of ponzi scheme or false deception against the people to not disclose valid information or not investigate validate any proof verified and signed by a witness of a notary. The reporting agencies are not following lawful procedure. The information being reported is not accurate information. I have been a victim of fraud and contacted the FTC all these illegal actions are hurting me and my family. I have never filed for any bankruptcy at any time and do not know how all these accounts are being opened in my name fraudulently. This item did not occur as presented. Please contact the government agency that is reporting it to verify the detatils, if you do not remove it from my records provide me with written proof of every detail shown in your entry. This is some information I have requested from this credit reporting agency, and I 've yet to received any correspondence about the fraud to be removed.