WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX is reporting 30,60 days late in which is incorrect and I have disputed and I also have asked to see and or know the method of verification and the description of the procedure used to determine the accuracy and completeness of the information with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and I keep getting back that it has been verified but they have not provided me with any proof as I have asked as I know it is incorrect. XXXX  also is reporting this account open when this account has been closed since XX/XX/2017
My student loan was transferred to University Account Service, LLC from XXXX. However, University Account Service is not reporting my payments to the credit agencies.
I started the loan application process with Wells Fargo on XXXX/2016. Everything was going smoothly until the mortgage processor XXXX XXXX started to no longer communicate, and promise to take care of things and then not do them. As a result of her not doing her job in a timely fashion, the bank re-ran our credit as the application was in process for four months and at that time my credit score had fallen below the bank 's minimum thus causing them to decline the loan. I contacted the bank provided them documentation proving that XXXX XXXX was negligent and she caused the delays in processing not myself or my husband. After a month long " investigation '' we were basically told oh well she will be spoken to and you are still denied.
I wrote into THD ( Citibank NA ) on XX/XX/17 with the following request verbatim in their secure messaging system : Please limit my privacy options : Remove all sharing. Do not share or market my information with any third parties at all. This includes affiliates and non affiliates of Citi or THD.

Change my email settings to Service Contact Only. I do not want email offers.

Change all phone settings to Do Not Call.

Change my privacy to not receive any telemarketing offers by phone or mail.

Take me off any calling or mailing list please.

Thank you!

The response on XX/XX/17 was verbatim : As you requested, we have updated your privacy options. Your name may be included in marketing programs currently in progress, so please allow 30 days for all solicitations to cease.

Please let us know if we can be of further assistance.

This request has not been fulfilled. I am still receiving promotional emails every few days. I have saved all items sent after 30 days in my inbox. Currently I have 5 items received on or after XX/XX/17. The actual dates are XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, and XX/XX/17. I will continue to monitor as additional emails get received. This is a clear violation of my request and my privacy. I never received any promotional offers from THD prior to the issuance of this credit card
I have been living in XXXX XXXX since XX/XX/XXXX. I renewed my lease on XX/XX/XXXX. That means this account is NOT new. But in my transunion credit report, it shows that I have opened 3 accounts in the last 2 years when I opened only 2 accounts. XXXX account was opened in XX/XX/XXXX and it renewed on XX/XX/XXXX. But it shows that I opened a new account with XXXX in XX/XX/XXXX when I only renewed it. That info shouldnt be there.
I have been in contact with experian numerous time about errors on my report. I have done all their steps to get issue resolved however every time i call, i speak with a different person who providers different information.The are a numerous inquiries on my report that was not authorized by me and when i tried to reach the companies they can not locate me either. The companies   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
I had a HELOC account attached to my property in XXXX, CA. No payments were made after XX/XX/XXXX. I moved back to New York in XX/XX/XXXX. My property was foreclosed on by the XXXX in early XXXX. 
DiTech has been sending me monthly invoices requesting payment of the HELOC. I notified them ( at the time they were Green Tree. DiTech responded to my letter ) in writing in XX/XX/XXXX, that I disputed the validity of this debt and did not acknowledge that I owed it. I also reminded them that the CA statute of limitations was 4 years and had passed. I received a letter that basically blew me off and they continued to send invoices. 
I filed complaints in NYS and CA, as well as with CFPB ( Case # XXXX ). Invoices are still coming.
I applied for a credit card with Citizens Bank online in order to balance transfer a higher rate card which I indicated at application that I possibly wanted to transfer {$3000.00} ( not knowing the amount I would be approved for. I was informed obtained a {$6000.00} credit limit 2 weeks later. I accessed the account online and attempted to complete the transfer and it indicated that it would need to be completed by phone. I called and completed the transfer with a rep there for {$5500.00} who did not inform me there was another transfer pending. I received a letter on XX/XX/XXXX that indicated that the additional {$3000.00} transfer had been attempted but would not be able to be completed as it exceeded the credit limit. I did n't remember the {$3000.00} initially but thought that this was going to be resolved by the company 's fail-safe precautions to which the letter was informing. Later I had received a call from the credit card company indicating that both transfers had completed and I was over {$2500.00} over my credit limit. I indicated that I had not authorized the additional {$3000.00} and wanted it reversed. This rep apologized, indicated he would reverse the transfer and indicated it would all be corrected. A week later I got another call and an email from my credit protection company ( XXXX ) indicating that my score had dropped XXXX points as a result of me going over my limit. I talked to a rep who explained that the second transfer was a result of the amount requested prior to approval and indicated that the whole situation was my fault even though the rep that initiated the second transfer had not indicated there was a transfer pending, the letter indicate there should have been a fail-safe preventing the transfer and that the later rep said he could reverse the transfer. I indicated that I wanted to file a complaint and possibly take legal action and wanted all transcripts of the 3 earlier contacts by phone. He said that he could no longer speak to me due to this action but indicated that I would be contacted by their complaint department within 48 hours. Did not happen. Called back and again was told that I would be contacted. I since reversed the {$3000.00} from the credit card that received the transfer ( XXXX XXXX XXXX ) but per XXXX no change to my credit report has happened. That was 2 weeks ago. I want to file a formal complaint. I want my all XXXX repositories contacted and informed of the accurate balance and that the {$3000.00} transfer was a mistake by Citizens Bank and that my report should not be negatively affected by the balance exceeding the credit limit.
On or around XX/XX/XXXX " BK OF AMER '' doing business as Bank Of America with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX, TX XXXX requested an unauthorized copy of my credit report from XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) On or around XX/XX/XXXX " XXXX XXXX XXXX '' with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX '' doing business as XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX requested an unauthorized copy of my credit report from XXXX On or aroundXX/XX/XXXX " XXXX '' doing business as XXXX XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX On or around XX/XX/XXXX " XXXX XXXX XXXX '' doing business as XXXX with a corporate address of XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX XXXX '' with a corporate address of XXXX XXXX XXXX XXXX XXXX PA XXXX requested an unauthorized copy of my credit report from XXXX and XXXX On or around XX/XX/XXXX " XXXX/XXXX  '' doing business as XXXX requested an unauthorized copy of my credit report from XXXX, XXXX and XXXX On or around XX/XX/XXXX " XXXX XXXX XXXX XXXX XXXX '' with a corporate address of XXXX XXXX XXXX XXXX XXXX DE XXXX requested an unauthorized copy of my credit report from XXXX and XXXX On or around XX/XX/XXXX " XXXX XXXX '' with a corporate address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX requested an unauthorized copy of my credit report from XXXX On or around XXXX " XXXX '' doing business as XXXX XXXX XXXX  with a corporate address of XXXX XXXX XXXX XXXX XXXX FL XXXX requested an unauthorized copy of my credit report from XXXX, XXXX and XXXX On or around XX/XX/XXXX " XXXX XXXX '' doing business as XXXX XXXX ( XXXX XXXX ) requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX, XXXX '' doing business as XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX '' doing business as XXXX XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX IA XXXX requested an authorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX XXXX '' doing business as XXXX XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX On or around XX/XX/XXXX XXXX XXXX XXXX with a corporate address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX '' doing business as XXXX with a corporate mailing address XXXX XXXX XXXX XXXX , PA XXXX requested an unauthorized copy of my credit report from XXXX , XXXX AND XXXX
On XXXX/XXXX/XXXX I saw a pending XXXX XXXX transaction for {$1000.00}. I immediately called Chase and advised them of the fraudulent transaction. Chase deposited the provisional credit on XXXX/XXXX/XXXX and sent me a final resolution on XXXX/XXXX/XXXX. They advised that my fraud claim was denied because they were unable to validate their chargeback. The letter stated the provisional credit will be reversed because " the compelling evidence did not allow them to validate the claim ''. Chase stated because they were not able to chargeback the transaction that Reg E allows them to reverse the credit. In XXXX/XXXX/XXXX the provisional credit was removed from my account. Chase confirmed that the transaction was done online and unless I can prove I did n't do it they do not have to give me back the fraudulently deducted funds. They further advised the funds were sent to XXXX. I do n't even have a passport, please help me. 

The kickers is that I have not authorized chase to overdraft my account, this transaction overdrew my account. I later was informed that someone at Chase overwrote the overdraft decision to allow this transaction to proceed.
Chase Claim # XXXX
TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TXXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECCRED Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXXr system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
I have asked National Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Please accept this final written offer of settlement before litigation as my attempts to resolve XXXX XXXX and Experian 's willful violation of the Fair Credit Reporting Act regarding their refusal to delete all of the UNVERIFIED account information from my consumer file. I have disputed these accounts a few times within the last past 2 years and requested proof of the " verified '' information from all three companies. Despite my request, the unverified items listed below still remain on my credit report in violation of Federal Law and North Carolina 's statute of limitations which states " Section 1-52.1 of the North Carolina Rules of Civil Procedure explains the statute of limitations for debts is 3 years for auto and installment loans, promissory notes, and credit cards. '' In the results of their re-investigations, they stated in writing that they " verified '' that the items are being reported " correctly ''. They still have not identified who in their company verified the accuracy of these accounts or how they verified them. According to XXXX 's Law Dictionary, 6th Edition 1990 defines " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath or deposition. Affidavit of Truth of a matter of states and object of verification is to assure good faith in averments or statements of a party. What this means is that their company must be willing and able to produce a document that proves the account in dispute belongs to me and the information being reported is accurate and they must be able to do this in a court of law. Someone in these companies must authenticate the documents in their files that were used to verify the disputed accounts and to do this they must have first hand knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. Their failure to provide me with verifiable proof required for their company to post the accounts listed below is evidence that it does not exist and therefore is proof that they can not properly " Verify '' the accuracy of the disputed accounts. After each verified result, the balance on the suppose account was updated on my credit report. Which mean the information may be inaccurate as well. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- THEY ARE REQUIRED TO " promptly DELETE all information which can not be verified and/or inaccurate. Due to their continued willful disregard of the law I intent to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to Under Section 616 and Section 617 if the UNVERIFIED items listed below is not deleted within 10 days. The law is very clear as to civil liability and the remedy available to me ( Section 616 and Section 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in the matter to enforce my rights under FCRA. In order to avoid legal action, I demand that they delete the UNVERIFIED accounts immediately and provide me with a formal notice of the updated and corrected accounts.
Santander provided information back and is in accurate. They have dates and my name not spelled right. They also continue to deceive people. It 's deception and I was never told about a lot of this info. I have contacted them over and over. I have tried to resolve this without going to an attorney. They are subprime auto loans and should not be a company. They are very rude and also made numerous calls to my place of work.
I was amazed when I viewed my XXXX, Experian and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. I did recently move and not sure how this could happen. I have never had a late payment.
Equifax continues to lie regarding the credibility of their investigations including but not limited to a collection account from XXXX XXXX. On top of that have frequently re inserted negative information already deleted.
MY CREDIT REPORT IS MIXED UP WITH SOMEONE ELSE FOR POTENTIALLY ALL THREE CREDIT BUREAUS. BUT I ONLY SPOKE TO EQUIFAX BUT ALL THREE ARE SHOWING AN INCORRECT XXXX SCORE AND THE WRONG CONTACT INFORMATION. 

Equifax has my report somehow mixed up with someone else 's. Today I noticed my XXXX Credit Score had suddenly plummeted over 100 points. The only thing that had changed on my report was I had taken out a small student loan for about {$8000.00}. Yet everything else was the same even my delinquent mortgage. 

But my score suddenly plummets over 130 points? 

And the reasons it gave for the plummeting score had nothing to do with my credit file. 

So I called into Equifax and spoke to an agent in XXXX. The agent kept telling me she had a different phone number for me. My phone number is already on file with Equifax, I had my credit report pulled up in front of me, but the woman kept saying she saw a different number. It was a very strange and frustrating phone call as she would not tell me how to resolve it. All she kept saying was there was a different phone number. 

And worse, the questions that Equifax was asking me when I was accessing my report did not apply to me at all. Although Equifax still gave me entry into my report. 

I have a fraud alert on my credit file because I have repeatedly been the victim of identity theft ( one of them caused by Equifax itself and they are paying for identity protection ). 

But I know that they have the report they release to lenders ( which is different than my personal report ) WRONG. 

The woman told me she saw employment numbers etc. on the report and additional numbers that were not on my personal credit report. 

So the report she accessed on me was different than what I saw. 

Equifax needs to release to me the report they show to lenders so I can verify the information because I did not see any different phone number.
NationStar Mortgage continues to apply unnecessary inspection fees to my account, NationStar claims that these are inspections to make sure the home is occupied. I have maintained constant communication with NationStar and continue to advise NationStar that my home is occupied, so NationStar well knows that I continue live in my property. These frequent inspections consist of a door tag with NationStar 's contact number. Additionally NationStar has applied additional home inspection fees of {$640.00} and legal fees of {$2000.00} to my account with out justification. NationStar continues to violate California 's Home Owners Bill of Rights by adding unexplained fees to my Veterans Affairs mortgage loan.
Th e American Express Platinum Card  offers  5X  the points if the consumer purchases airline tickets from  American Express Travel Services,  which is fine by me. But then, the card also extends these benefits if the consumer purchases their airline tickets DIRECT from the airlines as well. The first part in my opinion is fine. The second part is a restraint of trade and unfair competition with third party licensed and accredited travel agencies. It gives an unfair and monopolous advantage to Airlines.
XXXX at Integrated services XXXX ext XXXX called my employer to verify employment and told my employer that they needed to verify my hours so they could send someone to serve me with a summons. This is after I had told them not to contact me at work and to mail me a letter stating that they can collect the debt.
Unauthorized inquiry by XXXX XXXX through TransUnion on XX/XX/2019. Lowered my credit score. I want this item removed from my credit report and a higher credit score.
Was harassed by XXXX. Also let Navient know that I've checked the website and the amount owed was not there or amount paid in was not there either. Let them know that I was head of household so the garnishment was not suppose to be put into effect as of Florida state law. At one time had the money to pay off loan was told I could not.
Chase agreed to settle the balance which I paid on my account was current on XXXX 2015 they report charge off instead paid in settlement. 
law states account must be 180 days before charge off. On XXXX XXXX,2015 chase sent to collection agency XXXX XXXX Ref. XXXX to collect the debit but collecting agency closed the case on XXXX/XXXX/15 send back to chase they stated this account unlawfully charge off. Chase want it damage my good credit profile.
I disputed the information on my credit report with the credit reporting bureau and the information was removed from my credit reports. But when I applied for an apartment the company Screening Reports INC. is performing a search and is reporting information removed from the credit report and none judgement cases to prospective landlords, and my applications for an apartment rental is coming back rejected. I have spoken with ( XXXX ) young lady that handles the depute and informed her that the information was not accurate and asked that it be removed from their system and she refused to do so, I explained to XXXX that no judgement was taken against me on either case. Both attempts to dispute this information with XXXX was unsuccessful ( she talks and you listen ).