WillisBack/dataset-financial-user-claim huggingface dataset:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following accounts that Experian continues to report on my credit file : Bankruptcy Case ID # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. 

I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means. I am waiting verification from the clerk of court with supporting documents. 
Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. 
I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Experian so-called " verification '' on XX/XX/2017 WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. Along with my other accounts. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. Experian informed me that they where not going to reinvestigate this information again unlessI send additional relevant information. I have also updated my name numerous times. It is now reporting wrong which is not being factual. 
Thank you
The collections department at Wells Fargo began calling 2 or more times per day on XXXX/17 against my wishes. The same day ( XXXX/XXXX/17 ), I spoke with collections and the re-entry team for next steps. The collections representative explained they would continue to call everyday for the remaining balance regardless of me speaking to collections and working directly with the re-entry department to handle the account. These practices carried out by the collections department are harrassment. The re-entry team stated I have 30 days to submit the necessary documents, I 've also shared this with collections, although they have this information documented in the system notating the dates I spoke with collections, re-entry, and the home preservation department.There is n't a need for collections to call everyday multiple times a day to discuss how the account is being handled.
Wells Fargo was offering a promotional award for refinancing your existing mortgage. The stated award was a {$500.00} visa gift card. I have never received the award and was told by Wells Fargo that I would not be receiving it. I have emails stating that I was eligible for the award prior to closing on the mortgage. I have attempted to contact the mortgage broker and my local branch regarding the situation, but there has been no resolution. I completed my closing documents on the refinance nearly 90 days ago.
XXXX-XXXX I received an email stating I can withdraw funds since its been over XXXX days. I added a bank account successfully XX/XX/XXXXand next day when I tried to confirm deposits the bank was removed. I tried requesting a Check instead and I was'nt able to. I called customer service for assistance, but they couldnt assist due to the limitation that 's on the account.
I made a deposit to my account on XX/XX/XXXX at a pnc atm for {$7500.00}. I then received a notice that the deposit was being held because the check appeared altered. I did not write on nor alter the check, I was told that I was attempting fraud on the account and that's why it was being held until XX/XX/XXXX. I checked my account on XX/XX/XXXX to see if the funds were in fact released, I was then transferred to XXXX in the loss avoidance department who proceeded to tell me that the hold was on the funds until XX/XX/XXXX. I asked her if it was customary to hold a check for 6 weeks, to which she told me yes, if the check appears to be fraud. I stated that she is accusing me of fraud. She also stated that if I had a problem with the check I should reach out to my bank. I advised her that PNC is my bank and I am reaching out to you. She then hung up the phone on me. I have called in to the customer service department several times regarding this check, I was told by one loss avoidance associate that if I provided the number to verify the check that it would be cleared. I did that and was told the number was unacceptable. The check is from a lawsuit that I was a party in. The settlement claims administrator can be contacted at XXXX XXXX XXXX, XXXX XXXX. I understand a reasonable hold but to be accused of fraud and to then have an item placed on hold for over 6 weeks seems to be punishment for being a PNC customer, on top of being disrespected by being hung up on. Also, if I am being accused of altering the original check why wasn't the original requested to be sent from the branch to loss avoidance so that it could be seen in person. I have also deposited a separate check from the settlement drawn from the same bank which PNC cleared. I have not received a separate letter for the 6 week hold. I requested my check be returned to me and was told that it could not be returned.
I paid of my mortgage to Ditech on XX/XX/2016. On XX/XX/2016 they debited my checking account for {$1500.00} for my regular payment. I called Ditech and demanded they return my money. After several calls they refused to return my money immediately and told me they would issue a refund in 30 days. If I had taken their money and held it hostage for 30 days I would be in jail. The took the money by ACH transfer because I had set up automatic payments but the account was paid in full by wire transfer and closed on XX/XX/2016. 
I want my money returned immediately. But if not and there are no consequences for Ditech, I want to know if I can do the same thing and that nothing will be considered illegal or theft. 
Thanks, XXXX XXXX
The following DEFICIENT claims of alleged inquiry lack one or more of the minimal requisites to reporting such as physically verifiable document proof of validity and certification of compliant reporting to include demonstrated lawful permissible purpose, REMOVE OR PROVE : XXXX SHOWS NO DATE AGAIN, absolutely None of the above listed ALLEGATIONS of inquiry meet MINIMAL CRITERIA to report and being deficient MUST BE REMOVED from reporting, TRUE OR NOT! Compliance of reporting laws is MANDATORY, NOT OPTIONAL so DELETE NOW or else PHYSICALLY attest to the certificating document facts of claim 's verifiable validity and complete perfect compliance of reporting, all data, every notation, dates and balances, reported or not. A person and or entity who knowingly and willfully falsifies a record or report required by this part may be subject to criminal penalties under 49 U.S.C. 21311. Per eoscar description, Metro 2 compliance is to be irrefutable in requisite as by your own descriptive definition of the automated web-based verification process from which you transfer and communicate information to and from in consideration concerning a consumer complaint of potential mis-information and or mis-reporting. DELETE derogatory claims or make display of a testimonial certificate in fact to the claims validity and its compliant reporting.
On XXXX XXXX, 2014, XXXX XXXX of Guid Mortgage issued a Pre Approval Notice ( attached ) to XXXX XXXX and XXXX XXXX. The Pre Approval Notice was issued to aid in purchasing a pre-existing or new home. The Pre Approval Notice was issued for a Loan Type of a FHA XXXX Fixed. This allowed XXXX XXXX and XXXX XXXX ( borrowers ) to purchase a new home to be constructed by XXXX XXXX XXXX XXXX. In mid XXXX 2014, the borrows were told by XXXX XXXX if Guild Mortgage Company, they did not qualify for a FHA 30 Year Fixed loan due to already having a FHA XXXX Fixed Loan on their existing home they were living in. The buyers were told they must sell they home to qualify for the new home being built. This was the XXXX the buyers had heard anything about having to sell there home to qualify for the one being built by XXXX XXXX. In fact XXXX XXXX XXXX had a policy of not building homes if the buyers had a home contingent upon selling. Therefore, the building would have never been initiated without a the Pre Approval Letter stating we qualified for a FHA 30 year Fixed loan. There were no pre conditions listed we would have to sell our existing home. We had given the title company {$14000.00} in earnest money to build the new home. If we attempted to terminate the contract we stood to loose the {$14000.00} and possibly more. We finally qualified ( with a couple of weeks or less before closing ) for a conventional loan and would have to carry both the old and new mortgages unless we were able to sell the existing home. In order to qualify for the conventional loan, we spent {$6000.00} from savings in an attempt to qualify and keep our automobile. This process did not work. So we had to sell our automobile back to the dealership for a {$8000.00} loss and we had to pay approximately {$5000.00} extra in closing costs so our debt ratio would satisfy the underwriters. We still have not sold our old home and have been paying an extra mortgage payment, utilities, etc.. We have lost an additional {$4200.00} dollars and are in the process of selling the home. To sell the home we had to lower the price to a point where we will be losing approximately {$18000.00} to close the deal. 

None of this would have taken place had Guild Mortgage Company and XXXX XXXX XXXX been honest and issued the correct Pre Approval. Recently, ( within two weeks ) I called and talked to XXXX XXXX and asked why he did not know we did not qualify for XXXX FHA loans. He informed he did know and the only reason he wrote the Pre Qualification Notice the way he did was due to XXXX XXXX of XXXX XXXX XXXX telling him she could sell the house anytime and therefore the loan type would not make a difference. We the buyers never agree nor knew of these dealings behind our backs. 

Please consider this most disgusting act committed against XXXX XXXX persons and take the appropriate actions you deem necessary to provide us with some help. Thank you for your time. If you need more information, feel free to contact us via telephone, email, or letter.
XX/XX/2018 I won the AARP daily deal for a Walmart gift card for {$10.00} and they wouldnt let me have it. Its a bait and switch FRAUD scam there running!
I was unlawfully discriminated by Discover Student Loans. 

I am a co-signer for my sons attending a public university in Maryland. 
The announced XXXX student loan rates today are starting with 3.49 % ( as announced at https : //www.discover.comXXXX ). I have a stable income above average and exceptional credit score XXXX ( exceptional credit score, as defined at XXXX ). However, Discover Student Loans generate the interest rate 4.99 %, that is 1.5 % above the announced best rate 3.49 %. 

Suspecting a mistake, I called to Discover student Loans and takled to 4 employees : 1. XXXX - representative 2. XXXX - representative 3. XXXX XXXX - supervisor 4. XXXX, emp. # XXXX - sr. supervisor These employees and supervisors at Discover Student Loans told me that : a. The decision was made by a secret proprietary algorithm b. Discover, in violation of Federal Law, keeps their criteria secret and they are not allowed to explain me why I was penalized for additional 1.5 % despite my exceptionally high credit rate. 
c. They told that they are involved in market competition and recently developed a scheme to advertise a low interest rate but generate for applications. 
d. Senior supervisor XXXX ( emp. # XXXX ) specifically said that they will not disclose the criteria for best rate and if anybody is getting it. 

Looks like I am a victim of an illegal scheme developed at Discover Student Loans : a low rate 3.49 % is announced, a person with exceptional credit score gets a high rate 4.99 % generated by their secret algorithm and they refuse to explain it. 

Please investigate the issue.
I had major surgery in XXXX XX/XX/XXXX and had paid my deductible in full, all medical bills were covered. 
XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX ) did not file the correct insurance information, even though it was provided several times and sent the account to XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX ) XXXX XXXX finally sent the correct information and they were paid in full XXXX. I have made repeated attempts to have this removed but XXXX is refusing to remove it. THis also happened at XXXX ( a sister company to XXXX XXXX ) and they removed it from collections. I have contacted XXXX XXXX and am awaitng a return call
Credit card merchant paid disputed charges without my consent. Merchant went on to file deceptive report with credit bureaus. Credit card company misrepresented merchant dispute later fictitiously listed as late payment, missed payment and merchant charge-off.
Target is incorrectly reporting the day of first delinquency. They are reporting that the day of first delinquency is the month after I settled the account. Prior to this settlement payment there were no payments payments made and the account was reported delinquent for 7 months. At that point there was an attempt to bring the account current for a minimal payment, but i disagreed with the terms and did not make any more payments. Prior to that the last minimal payment was made 3 months prior in which a minimal compromised payment was made for 3 months. Target has re-aged this account violating 15 U.S.C. 1681c ( 1 ) No where in the act does it state that a debt can be re-aged after a lump sum or payment in full is made. This account was clearly delinquent 7 months, arguably 10 months. The delinquency could even go back further as I started missing payments 6 months earlier XX/XX/2008, They are claimin DOFD as the day after it was settled in full which is not right.
I had a mortgage with hsbc Mortgages, I got in contact with your agency XX/XX/XXXX and they responded by cancelling the mortgage and recording it with the XXXX County courthouse, they also informed me they would delete the info from all the credit bureaus, come XX/XX/XXXX XXXX and Equifax have gone back to reporting this mortgage. They also have been reporting the same mortgage with Bank of America-I have made several attempts to have this removed as this was NEVER with XXXX and they have refused. I also spoke to XXXX and they have no knowledge of owning this debt. I also need them to stop reporting my XXXX account as this was part of my bankruptcy and all the accounts that they previously removed as per my creditors request. i dont know if there is a glitch in the Equifax database but as a result of their reporting the previously deleted items my credit score has taken a serious drop. 
I am also asking them to remove the address : XXXX XXXX XXXX XXXX, # XXXX XXXX and XXXX XXXX XXXX, XXXX-I have told them I no longer own the properties. They are refusing to update the information. and they have the mortgage for {$100000.00} for XXXX XXXX listed on my CBR-this was also discharged and previously removed.
New York community Bank which took over Ohio savings bank has pushed their Elite banking every time I go to a different teller or re-up a CD. Recently I received a mailer asking that I join the Elite plan and get the better results in interest. You have to keep your balance at over XXXX and the increase in interest only affords you a payout of XXXX dollars a year. In the Mailer it explains in very fine print that the accounts are transferred to XXXX. That was never mentioned before and the cover letter is on Bank Stationary which mentions FDIC. The fine print of themailer mentions that it is not insured by the FDIC
HSBC advertized the following : " Deposit a minimum qualifying balance of {$10000.00} or more in new money in cobined checking and savings acounts within 30 calendar days of account opening ; and Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance. You will automatically receive the {$350.00} Welcome Deposit in your new HSBC Advance checking account approximately eight weeks after completing all qualifying activities ; It's that simple. '' I opened the account XX/XX/XXXX, and made the XXXX deposit on XX/XX/XXXX. The balance stayed at XXXX or more for longer than 90 days ( specifically through XX/XX/XXXX- ie, 98 days ). It has been 8 weeks since then, and I still have not received the bonus. 

Additionally, when I spoke with XXXX ( a phone representative on Thursday ) she also said the bonus should have been in my account last week, and that should would look into it, and call me back on Friday. She did not call me back, and she still has not reached out to me or resolved the issue.
I retrained a payday loan from XXXX XXXX XXXX. I ended up losing my job and was unable to find work. I contacted XXXX XXXX XXXX and notified them of me not having a job. They told me they would notate the account and it will hold up for 30 days. After the 30 days I was still unable to find work. On XXXX/XXXX/16 I received a call from XXXX XXXX from XXXX XXXX XXXX or ( XXXX ) law firm on behalf of Receivable Management Services. XXXX XXXX was really rude he told me if I did not pay today that I will be served papers for Fraud & my debit will go on my credit. I contacted XXXX XXXX XXXX to ask them if I can get a payment plan and they directed me to Receivable Management Services and they so called transfered me to the legal department. I continued to ask XXXX XXXX if he was in the same office with RMS and he refused to answer the question. I then asked where he was located and he told me florida and hung up the phone.
I have tried to pay whatever I could over the years on my student loan. I have an overwhelming amount of debt not to mention my daily necessities. I ca n't exactly come up with any substantial sum of money right now. I have already paid 75 % of the loan too, which is really frustrating that I am still getting harassed.
I had XXXX dollars taken out of my account over 2 days. I did not complete these transactions. I did not have my card on me. It was either taken or lost. I filed multiple reports with the bank on XX/XX/18, XX/XX/18, and XX/XX/18. These were denied. I filed a police report on XX/XX/18. I was told there was insufficient evidence to prove I did not withdraw the money out myself. I asked them several times to check the ATM cameras to see that it wasnt me completing the transactions. I filed 2 complaints with the XXXX XXXX XXXX  and finally got a response from the bank. After tge first complaint I was told by the bank that a male was seen on camera making the transactions. I am not nor have I ever been male. But I was told it was someone familiar to me and that the claim was being denied. They did not show me pictures of the male in question so I have no idea who it could be. I am being told over and over again that I am responsible for transactions I did not approve or complete. I don't know what else to do.
Collection agency by the name of XXXX are reporting negative info on my credit report that need to stop. It 's inaccurate. Dates are wrong. Dates are wrong. Open date is NOT ACCURATE.
After pulling all 3 of my credit reports, I have noticed a collection debt from RENTDEBT AUTOMATED COLLE. XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX pertaining an invalid account number and the amount that is not mine. The amount reported is {$3800.00}, reported XX/XX/XXXX. I DO NOT have a contract with them and DO NOT owe this company. This falls under inaccurate/false reporting and must be DELETED FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed XX/XX/XXXX no judgments are to be reported on neither 2 credit bureau 's. This is illegal again I do not owe this debt that the RENTDEBT has reported and it is not mine. I requested that RENTDEBT REMOVE IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. I 'M OUTRAGED THAT COLLECTION AGENCIES CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCURATE INFORMATION, OWED AND UPDATE NO PAYMENT ON YOUR REPORTS!
Credit Card Company : HSBC, U.S. 
Their address : XXXX XXXX  XXXX, XXXX XXXX XXXX I've advised HSBC U.S. about a charge processed on my consumer credit card on XX/XX/18 in the amount of {$44.00}. This transaction, according to records, occurred on a gas station in XXXX XXXX. 
When i saw this transaction posted I immediately contacted HSBC and told them that such transaction had not been originated by me, and i confirmed to them that the card had been always in my possession. 
At the time of me reporting this I was in XXXX XXXX using the card, and, as you will be able to see on the documentation attached, previous to that i was in XXXX, XXXX  ( where i reside ) and in XXXX, XXXX ( for work ). 
I was in XXXX ( in early XX/XX/XXXX ) but always in XXXX 's vicinity, nowhere near XXXX XXXX ( which i have never visited ). 
HSBC declined the dispute based in my " spending pattern '', would like for them to detail how many more transactions they see coming from XXXX XXXX  for them to support their assessment. 
I'm extremely displeased with their decision that's why im pursuing this matter through you.
long time ago I have opened bank acc in XXXX bank, this is not my transaction or order, somebody use my card info for take money from my acc after I do closed this acc with no more use and my interest, now I see this collection in my cred report - I make dispute, but bank no responde me nothing,XXXX bank no ha have good service for customers! I want pay this collection, against this is not my transaction
I contacted this company because they appeared on my credit report. I spoke to a representative by the name of XXXX XXXX on XX/XX/XXXX. I explained to her that I had no knowledge of this account. She said it is for a balance at XXXX XXXX. I informed her that I moved on XX/XX/XXXX and the account was placed on me and my son credit report XX/XX/XXXX and we were never contacted. She then started giving me numbers and prices. I informed her I needed it in writing she said it was mailed to the office the debt is originally from. I asked her how was I supposed to know. She was speaking over me and not listening to my concern. I then asked for a supervisor and was told they were all out for lunch I then asked for the manager and was told the same. I informed the representative I will like to dispute the debt because I was unaware of the charges and was never contacted. She told me I can not dispute. These charges has been placed on me and my son credit and we had no knowledge of the debt. The original creditors kept my security deposit in the amount of $ XXXXand also received a payment from XXXX County Housing Authority for more than the 2 days I was in the unit. Per the representative I did not clean the carpet the original creditors remodeled the unit removing carpet and installing hardwood floors. Everything else in the unit was cleaned accordingly