WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to file a complaint against Experian Credit Bureau for discrimination and maliciously refusing to accept my dispute regarding discrepancy on my credit report. I spoke to their representative, XXXX with " Team Majestic '' within Experian Credit Bureau. During our conversation he basically refused to accept any of my disputes regarding outdated student loan accounts on my report. He basically instructed me to contact lenders for documentations to submit to Experian in order for them to accept my dispute. This is completely contrary to XXXX and XXXX whom both have delete all the accounts that I am requesting Experian to delete. I was successfully able to have my credit report with XXXX and XXXX corrected without no delay or unprofessional customer service. All my closed student loan accounts are beyond 7 years, as I have n't attended college since XXXX 2008 therefore they have been in default at least since the latter part of 2008. 

It has been several months with me trying to literally get someone on the phone from Experian to dispute accounts on my credit report. During multiple attempts via Internet I have been redirected to either an " XXXX '' number or a website that required payment for a credit monitory service in order to address any concerns regarding my credit. When I finally contacted someone at Experian who then forward me to XXXX with Team Majestic, my experience was utterly nothing like XXXX or XXXX. I am convinced that Experian is doing something illegal regarding consumer credit services. Furthermore I spoke to several of my associates who have had their credit report corrected by Experian and my situation is different based on my race and non-membership to a Credit Monitoring services. I was recently denied credit solely because of my credit report with Experian. They are destroying any credit opportunity for me because of their unethical service.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX and XXXX ( Original Creditor : MEDICAL ) XXXX
In spring XXXX, I began contacting XXXX to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late. XXXX either switched auto-pay systems or upgraded, I do not recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every time I called XXXX, the customer service rep would tell me that my balance was XXXX. I received another round of calls/mailings offering assistance, called XXXX " balance XXXX ''. Several times, I did this. I suspected that the calls/mailings were some type of identity theft issue, like the kind XXXX XXXX and XXXX XXXX XXXX previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however, XXXX sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus. <P/>I was so exhausted dealing with XXXX, and in disbelief that they would not correct/reverse the erroneous report { to the credit bureaus }, I did not know what to do. I did not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other 19 accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over XXXX XXXX  I was clearing out a box of documents to shred and came across the forbearance approval letter from XXXX. Once again, I am hoping to correct this error to ensure that my credit score is updated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and in full.
This collection company "  PERFORMANT '' su bjects me to multiple RoboCalls every week at my place of employment. I work for an   XXXX   XXXX  . On  one occassion  I permitted the RoboCall to connect me with an agent whom I informed they are violating FDCPA rules of how, when, and where bill collectors can contact debtors. That they are contacting me at my place of work, which is a  XXXX , an   XXXX   XXXX   XXXX  , and I also informed their agent my employer does not permit such incoming calls to their employees. And finally, I informed their agent that I had retained an attorney to represent me in Bankruptcy filing and gave her my attorney 's information for all future attempts at contacting me. Unfortunately, the RoboCalls continue every week.
I sent a 609 letter to TransUnion asking that reach out to who is reporting this information and provide me proof of verification that this account belongs to me which. All they responded with was account verified and I know by law they have to send me something in writing that proves it is me. So they updated my report with false information.
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law.  Credit Clearing House  has been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.
On XX/XX/2018, I was made aware that my XXXX sister and I credit file may have been merged with one another, as one her accounts was reporting on my experian report. I contact the lender and they, of course, stated the credit reporting company made the mistake and they were not complicit or culpable. I checked the rest of my report and noticed my sisters name listed as one of my names.
After reviewing a medical debt appearing on my Equifax Credit file for collection account with XXXX XXXX XXXX, account number XXXX and checking with my insurance provider about this debt, it has been determined that the said debt with XXXX XXXX XXXX  is fraudulent. I have included a copy of my Identity Theft Report and all verification needed as required by the FTC and Equifax to have this account blocked.
This company has attempted to collect a debt from me that I do n't owe them. I never established a contract with this company and they are in violation of the FCRA because they reporting negative items onto my XXXX report. And my name has been slandered. for accounts # XXXX # XXXX # XXXX # XXXX
On XX/XX/XXXX i traded my vehicle in at XXXX XXXX XXXX in XXXX Or. XXXX financed the loan through Chase Bank. i informed all parties I intended to add money to the loan when I returned for to reduce the payments. Upon my return to my California home on XX/XX/XXXX I went to the Chase Bank branch in XXXX XXXX and explained to representative XXXX what I wanted to accomplish with a deposit of an additional XXXX to my loan. We contacted the bank loan department where I received instructions that I complied with over the next 2 days. I was informed via telephone call that the loan was approved and I was advised to just deposit my XXXX against the loan. After finding out that was beyond my ability at home, I returned to the Chase branch, spoke again to XXXX, again we called Chase and after some discussion, XXXX was able to take the XXXX as we were directed to do, At this time on the phone with Chase I was advised that my payment would be aprox. 250.00 a month and I could start in XX/XX/XXXX if I wanted or wait for the 'letter ' and begin in XX/XX/XXXX. this was the extent of my conversation with Chase until i called Chase on XX/XX/XXXX to find out when my payment was due and where was the letter? I would have called sooner but I had a XXXX XX/XX/XXXX. On XX/XX/XXXX I was told by 'XXXX ' that the loan had been denied because their letter had not been acknowledged. I informed them i had never received the letter and through investigation with XXXX discovered that the letter had been sent to my physical address instead of my PO box as they had been instructed to use. Once this was discovered I insisted the penalties they were adding to my account were unacceptable as this was the Banks error. I was told by XXXX that they would be able to reverse those charges but that they needed me NOW to make one payment on the previous loan payment of {$560.00}, ( the singular motivation for my refinancing the loan amount ). I grudgingly agreed to reduce the XXXX deposit to XXXX and fund the single payment. On XX/XX/XXXX XXXX called me back to confirm what was done and then he transferred me to 'XXXX ' who then tells me that because they cant get the loan into the system by XX/XX/XXXX that Ill need to make another {$560.00} payment. I clearly objected to this as its been the banks errors that have facilitated this happening at all. Ive been a Chase customer for 20+ years, They have my correct addresses and telephone numbers in multiple file locations. I have watched the goal line move a few times with this and its all because Chase made mistakes. I accepted terms and complied with requirements in XX/XX/XXXX. I want all penalties removed, all negative reporting expunged and while I accept the reduction on the XXXX deposit for one installment I reject it beyond that point. Chase made an offer and I accepted that offer, I want Chase to comply with the terms as agreed. As a result I made a payment yesterday at the advertised reduced payment amount. I want the electronic file revised to reflect this as well.
I am a victim of identity theft, and as a result a number of. accounts are on my report that are fraudulent. I would like to have these accounts blocked and removed from my credit report. 








XXXX XXXX XXXX Status Open Balance {$13000.00} Type Collection Payment Status Unknown XXXX XXXX Status Closed Balance {$6200.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$650.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$3200.00} Type Retail Card Payment Status Late XXXX XXXX XXXX XXXX Status Open Balance {$2100.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$48000.00} Type Installment Loan Payment Status Late
I recently closed my Citi Preferred " Thank you '' card because of an issue with a payoff. Once the card was paid off I received an interest charge of less than {$40.00} which I was unaware was added. I did not receive notice of this charge and was unaware until I received a call two months later. During this time I have received thtree late fees and my credit report has been affected negatively. 

My complaint is that these late charges were more than the balance due and were placed only on interest fees added an no principal.
i apparently have now XXXX file with equifax XXXX without my middle names and the other with it as messed up my credit first i was told there was something wrong with they refused to tell me what i was told they could not acces my file i needed to send a written request via fax i was told to ask them to update my info i was told it would take 5 to 10 buisness days to process it after a week i call back i was told my information was updated but the problem was still there then they told me about the XXXX files i was asked to send again ( friday XX/XX/XXXX ) a written request to merge the XXXX files togetter and to write rush on it like that it would take 3 to 5 buisness days i called every day to ask if it was done friday XX/XX/XXXX i was told they didint receive the fax to wait till monday XX/XX/XXXX and call back ..i called back on monday XX/XX/XXXX was told they didint receive the fax to send another one written XXXX on it so i did ..kept calling back every day to know if they merged the XXXX files every day it was battle to get them to check my files the person answering the phone are making up XXXX trying to get me off the phone like i was told maybe my fax machine was broken was told the fax didint get send when i received a confirmation it was XXXX was told i sent it to the wrong number also not true was told the adress on my driver license aint right then i was told they could not read my date of birth on my driver license was told to wait the 3 to 5 buisness days when its been clearely more than that since i sent XXXX rush request on XX/XX/XXXX was even told a couple time it was done my XXXX files were merged i asked them what is the date you received the fax for this they tell me XX/XX/XXXX the didint even check once again today XX/XX/XXXX i was told they didint receive the fax that i should send the request via express post i need this resolved asap they created XXXX files under my name and they are fighting not to correct the mistake
I had a XXXX Credit card ending in XXXX, that was opened in XXXX of XXXX. I filed for Chapter XXXX Bankruptcy and it was dissolved on XXXX XXXX, XXXX. XXXX sent me a letter in XXXX, that this account was going to be charged off. I replied on XXXX XXXX, XXXX, with a copy of my Bankruptcy decree. I then received a charge off XXXX in XXXX. Randomly in XXXX of XXXX, XXXX reported to XXXX and Equifax a past due balance of {$1200.00}. I disputed with both credit bureaus, XXXX removed the information from my credit card promptly and Equifax told me to contact XXXX. I have contacted XXXX multiple times to no avail. The last communication was a phone call about a month ago and XXXX was suppose to contact my Bankruptcy Attorney. When I pulled my credit today, XXXX XXXX, XXXX, the past due balance is still being reported by XXXX to Equifax ( XXXX XXXX ). This is affecting my Equifax score substantially. Card opened in XXXX, Bankruptcy in XXXX, Charge off in XXXX, and then randomly appearing on credit XXXX of XXXX.
I have been contacting CPS, who appear on my credit file as CPS numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud.
I have written letter and made calls for a couple of years with no help. I have been trying to get an FHA home loan. There is one Navient account showing a charge off. This is a private loan from several years ago. I had my mother cosign the loan. I was diagnosed with a XXXX XXXX and went on XXXX. All of my loans were discharged due to total and permanent XXXX. If you check the National Student Loan Database, my balance is zero. Navient shows one loan as a charge off and a few more as delinquent and paid by insurance. Every other company has the information correct. My mother died in XXXX and I still get letters from her by collection agencies. Navient shows the balance as of over {$84000.00}. The original amount was {$40000.00}. Since I live on XXXX income, I have very little money. I called into Navient about the loan in question. They still want the money. Guess what, it will NEVER happen. I followed the process and my loans were discharged. They now want me to file another application for total and permanent XXXX for this loan. So since they cant get the credit reporting correct and can not get their XXXX applications in order, I am unable to buy a home. These people need to be stopped. Navient needs to be investigated and closed down. They should not be a for profit company. I have read about current litigation about Navient and XXXX reporting and would like to be contacted. Like I said, all other student loan companies have my loan information correct. All except for Navient. Since I cant get this resolved, I am going to seek the help of a bankruptcy attorney. Since I am permanently XXXX, I should get a discharge. It is sad that one must go to this length. I have been dealing with Navient for several years about this issue. I have to say that Navient is the worst company I have ever dealt with in the XXXX  years I have been alive. I have no idea why the government would ever do business with them. If everyone who has been harmed by Navient filed suit, maybe they might take notice.
Received statement of charge in the amount of {$69.00}. This is not a debt I incurred. I called them 4 different times and they ha. Be ignored my request to take take my name off this debt. Could you help me resolve this matter?
On XXXX XXXX XXXX I called Sears credit card to make my monthly payment I spoke to XXXX I told him to that I wanted tie pay {$50.00} and he gave me an authorization code of XXXX. I then asked him why my last payment was not showing on the statement. He stated he would send me a new statement showing the XXXX payment. Then he stated my next XXXX statement would show my {$50.00} payment and I said goodbye. I checked my bank account on XXXX XXXX. XXXX XXXX and found out that {$280.00} had been taken out by Sears not the {$50.00} I had authorized. I immediately called Sears credit card and the rep spoke to an account specialist she asked if my bank was still open I said no. The rep asked me if I wanted to speak to the account XXXX. I said yes and I was transferred for her. Her name was XXXX. I explained was upset about this unauthorized amount and I wanted it return the next day. She said that it had to remain on my for XXXX days befire she could anything and it would sent by wire back to me XXXX to XXXX days later so the earliest I would get it would be XXXX XXXX XXXX XXXX. I was extremely mad. I asked why .she never said why it had to be XXXX days before anything could be done.Then she wanted me to call back the next day, I asked why, she said to call the bank. I became very angry at this point and said why I am calling you now and this is your mistake and I am not fixing it. She said Im not asking you to fix it.She then asked my bank info. I gave it to her and ended the call. I waitednuntil XXXX, XXXX XXXX and then checked my account. No refund, so I called Sears credit card again .XXXX answered and I told him about the unauthorized amount and I said were is the refund. He states let look and then I was hung up on. I called back and asked for a manager, I got XXXX who read the notes and even called the account specialist and she toldhim she sent on XXXX XXXX. XXXX. I said I had called bank prior to calling them and no refund was showing.Dakota said well that is thebank she sent it to and can not find it. I saiddo what you can because I 'm done with your company. Again they wanted the bank info, I told him I did not have it and told him to look for the refund and hung up. After I got off work I called a XXXX time and told the rep to get a manager .This time I got XXXX he was rude and it made me very mad I told him I had been hung up on and I could not seem to talk to same petsonso repeated what happened for the XXXX time to him and again gave mybank info only to be told again it would be XXXX to XXXX days once found to be refunded. I will never use this card again and I have told them I will pay it and I will get rid of it. Today is XXXX XXXX. XXXX and I still have not been given my money back. This is ridiculous the phone number I call is XXXX XXXX XXXX XXXX
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Attention dispute department RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX   Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX  Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry :  XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX
FORD MOTOR CREDIT ACCOUNT NUMBER XXXX ; I co-signed for a 60 month auto loan that opened in XX/XX/XXXX. Ford Motor Credit is reporting the Date of First Delinquency as XX/XX/XXXX with a Paid Charge Off Date in XX/XX/XXXX. When asked how they can report a DOfD 9 years after opening and 5 years after maturity I was told that the loan had been extended 7 times and subsequently modified. I did not consent to extending the term of the contract or a modification of the original term and I was told by XXXX XXXX that I had signed and or initialed the extentions and or modifications. I insisted I had not and requested copies of the documents which arrived in the mail and were not signed or initialed by me. Now FMC will not take or return my calls. 
I never agreed to any changes to the original term of the contract. This inaccurate reporting is impacting my credit in spite of my repeated requests to update and delete their inaccurate reporting. They are violating the FCRA by arbitrarily reaging the account and leaving a 13 year old debt on my credit reports.
I have recently pulled my Experian credit report and contacted the XXXX County to verify a BK that is reporting inaccurate information. They stated that this information is not reporting and any source that is saying they are able to obtain this information is falsifying information. I have recently put fraud alerts on my accounts due to this. Please review and remove the following on my credit report. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete the accounts for accurate reporting. The must be deleted in order to show my true credit history. 

XXXX Court US BKPT CT WI XXXX Plaintiff Liability XXXX Asset Amount {$0.00} Bankruptcy chapter XXXX-dismissed Date Filed XX/XX/2012 Reference # XXXX Court XXXX BKPT CT WI MILWAUKE XX/XX/2012 Reference # XXXX Court US BKPT CT WI XXXX Plaintiff Liability XXXX Asset Amount {$0.00}