WillisBack/dataset-financial-user-claim huggingface dataset:
I checked my credit report today and it shows two hard inquiries. I want them removed. 
XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Soft Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX My former address of XXXX XXXX XXXX is listed as XX/XX/XXXX. This is incorrect. I lived there last in XX/XX/XXXX. 

On the following accounts, it shows the high credit as the same for every month shown. The high credit should be lowered for each month as payments are made. 
1. XXXX XXXX XXXX Account number XXXX shows high credit as XXXX for XX/XX/XXXX through XX/XX/XXXX. 
2. XXXX XXXX Account number is not shown and it shows high credit as XXXX for XX/XX/XXXX through XX/XX/XXXX. 
3. XXXX XXXX Account number is not shown and it shows high credit as XXXX. That is wrong. 
4. XXXX XXXX XXXX that shows no account number and balance is XXXX. Please correct the account number. 


XXXX  XXXX XXXX shows open. It is closed XX/XX/XXXX. Please change it to closed.
I send them a certified letter that they received on XXXX/XXXX/16 and i have not received a response. I would like this removed from my credit report.
With XXXX, there is a debt through quality recovery services of XXXX which is false and it has ruined my credit report. 

I have written documentation that supports this to not be valid. This has been on my CR for 3+ years, and is hindering me and my XXXX children to living comfortably. I can forward the proof immediately ro support my claim. It is with XXXX XXXX XXXX apartment complex ) in the state of Georgia.
Transunion and XXXX show debt by XXXX which is outside the SOL for the state of California.

The SOL for California is 4 years.
One year ago I had a lease with XXXX and I transferred to XXXX they told me that they where going to buy off my contract and I 'm still getting charged and this is making my credit really bad!! I 've already talked to XXXX and they have me a paper to send to XXXX I did and they are still charging me ... the thing is that XXXX took that XXXX phone from me cuz they where going to buy off my credit! They did n't give me any money for it or anything! I need this problem fixed.. they 're saying I have to pay {$520.00}. I dont understand why they are still charging me! They need to call XXXX and talk to them because they are the ones that need to pay them not me!! ...
XXXX transactions made on XX/XX/XXXX, and XX/XX/XXXX, to XXXX XXXX XXXX for the amount of {$1400.00} and {$160.00}. Disputed on XX/XX/XXXX. Received a permanent credit from Chase Card Services. Merchant later on filed in claim at small claim court against me. Would like to have an official response from JP Morgan Chase that : ( 1 ) Is the dispute decided in my favor or in merchant 's favor, ( 2 ) was the permanent credit issued because it was resolved in my favor, and ( 3 ) why decided in my favor. Thank You!
On XX/XX/2019, I discovered through the landlord of a property I was applying to rent that I had no credit score reported by Experian. Upon discovering this, I checked the application XXXX XXXX and it too showed no score. Not a zero, just no score at all. I also noticed that XXXX  has reported no score. I am XXXX years old and have paid bills all my life, Ive had to pay collection agencies, utility bills, etc. I am now being denied homes I am applying to rent. I cant get a credit card, even a card for people with bad credit. I called Experian and was told by an automated message that there was a technical difficulty and the call was ended. When I called back, the line gave a busy signal. I am a hard working XXXX  XXXX with a wife and XXXX children, I pay my rent and my taxes on time and I donate to charity. To be unable to move forward in life because a credit reporting agency has no record of me is absolutely unacceptable. Please help me correct this problem. Thank you.
The US dept of education have garnished two months of my SSI ( XXXX ) without my knowledge, I am a XXXX XXXX person, I have tried to reach out and the Dept sent me to a collection agency and for obvious reason I got nowhere with them, I tried to explain that this is for my XXXX meds and my car payment and they did not seen to give a XXXX XXXX XXXX XXXX I even looked on my ss website and it 's not showing up as a garnishment, like I mentioned no contacted me to even make payment arrangement, and according to the rules if you 're XXXX XXXX you 're forgiven for the loan and I 've been XXXX since 2008. Please help because I need these meds and I need a car to get to my doctors. Thank you kindle. XXXX XXXX
I have tried to contact Experian, XXXX, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : XXXX
I got a credit card back in XX/XX/XXXX, the company at the time with XXXX.this company was brought out by another company.when I try to make payment on it and call the number on the back of the credit card the number was no longer in service. I could n't find any information on this company so I just leave it at that.over the years I move from the current address that I was leaving before when I got this credit card..I recently received a warrant in the mail saying ; XXXX warrant of Arrest notice that state final notice the day before I was to appear in court on XXXX XXXX XXXX. when I went to court with the blue ticket that I receive in the mail I did not have any idea what this was about, so I went to the XXXX desk for information XXXX she told it was about a credit card that I owe on over 12 years ago that 's a charge off on my credit report. come to find out it was a credit card agency collect in debt that call, Lustig, Gleser & Wilson, P.C. # XXXX clean I owe them {$2900.00}, which I never spend that much money on a credit card.when I arrived to the courthouse the guy told me at the entrance to wait over by the side where all the benches are. the guy came in and collect the slip and then he gave me a paper to fill out with my financial statement in the lobby of the courthouse. after I fill out the paper I give it to him and then a lady call my name on the other side of the lobby. she looked over my final statementand asked me what can I afford to pay. me being scared and do n't know much about this I 'm I right the way. after I signed a paper she said she was going to give it to the judge. that was very unprofessional because I did not stand in front of a judge. this was at west XXXX division of the XXXX municipal court. what happened to the statue of limitation rights against collection agency collectin debt that is over to 12 or more years ago no proof. when I came home and call the collection agency to find out what this was about it was giving me the running around. they told me that I owe XXXX XXXX XXXX this portion of money. I tried to explain to them that I do not have a card with XXXX XXXX XXXX or they talking about XXXX and is so I did not hold that much money on that card.then he gave me another number to talk to somebody else.
To Whom It May Concern, Checkr is a company that XXXX uses to do back round checks on all applicants. 
I had applied with XXXX 3 to 4 times in the last 1 and a half. Same response " no '' due to " Identity Theft ''. I in no way have been accused nor have been a victim. I 've tried and tried to resolve however, not enough information is given from checkr. Please assist in this matter. Its causing hiring issues. 
Sincerely XXXX XXXX XXXX XXXX XXXXXXXXXXXX
On X/X/2017 I mailed a dispute letter to TransUnion regarding a Tax Lien showing on my credit report. TransUnion signed for this letter on X/XX/2017 as proven with USPS tracking ID : XXXX. <P/>On X/XX/2017, I received a notification that the tax lien was " verified '' Absolutely no documentation or proof was sent with this " verification '' notice that the debt is mine or is being reported accurately. <P/>On X/XX/17, I sent yet another letter to TransUnion, requesting their method of verification, the name and telephone number of who they verified the information with and specific instructions to provide me with the documents that support their reporting. TransUnion signed for this letter of X/XX/2017 as verified with USPS tracking ID : XXXX. <P/>Today, X/X/2017, I received yet another notification that this tax lien has been " verified ''. Again NO DOCUMENTATION WAS ATTACHED TO SUPPORT THE REPORTING OF THIS PUBLIC RECORD. <P/>The Resolution Summary states the source of the public record is a courthouse, however, upon contacting the courthouse listed on my credit report prior to filing the dispute, they stated the court does NOT report to the credit bureaus and therefore, could not help me with the issue. To further complicate matters, TransUnion then sent a separate letter on X/XX/2017 stating they use a third party to verify their information but did not list who that third party is. As a consumer, I have the right to know, who is reporting negative information against me and where that information came from. <P/>As I read through the new credit report provided to me today ( X/X/17 ), the tax lien listed states that the information was updated on X/XX/2017 ( which is the day they signed for the second letter ) which indicates to me, no further validation was done on this item in question after my second letter was received.
Back in XXXX of XXXX XXXX Louisiana had a flood and at the time I was employed at a car dealership the flood made it difficult to sale cars and I got in a bind with paying my mortgage. I reached out to freedom Mortgage to see what could be done to help with the situation and they asked all about the flood and whether or not i was affected by it. I answered all the questions and was given the opportunity to take a forbearance on the loan. It was explained to me that for 3 months I would have no payments due but would still acquire interest. The 3 payments would be put on the back end of the loan and I would assume regular payments at the end of that. At the end of the 3 months freedom mortgage told me the I had to pay all 3 of the months at the moment. I have been trying to get this fixed for over a year now and its making it very hard to catch up on my payments with late fees and all. please look into this all I'm asking for is to be allowed to opportunity to catch up like they told me I would be able to.
I have several accounts that appear on my credit report that I have inquired about with Navient to have removed from my report as well as my statement with them I never had a high school diploma or GED at the time these loans were taking out the college did this against my knowledge they knew I did n't have a diploma or GED the college has closed all schools in my area the college was first called XXXX XXXX XXXX which was then named XXXX XXXX XXXX the school was closed for scams as well as fraud plus not being a accredit college. I have received response stating Navient can not find a GED or High School Diploma on file for me which is correct so the loans should be removed due to that it proves what I 've been saying to them the ability to benefit. Navient has a current lawsuit against them and I feel I 'm being pushed off due to this cause this will also prove that loans they have giving out or that Department of Education or XXXX XXXX have giving out to people we 're never investigated or checked to see if they had the necessary documents to receive loans.
Hello, I have requested my mortgage loan servicer Loancare, for mortgage loan number XXXX, provide me the Mortgage Insurance Premium ( MIP ) deletion guidelines and requirements. I submitted my request through their online website and have had no response in the last three months. I know it is law that they at least acknowledge the receipt of my inquiry within a few days and they failed to do that as well. This simple request is being outright ignored by my servicer. By refusing to provide me these guidelines or rules, they are knowingly avoiding my request so they can continue to collect the premiums. Let me add that their website does not have an inbox anywhere. They have my correct email address on file and still have not sent a response. Please help!
Crediter bills XXXX month in advance I paid bill and terminated services and returned all equipment the day of termination. They 're trying to to get more money it has already been paid
Fair Collection & Outsourcing, amount of XXXX. I have sent Fair Collection & Outsourcing a debt  validation and Fair Collection & Outsourcing has not responded. Fair Collection & Outsourcing also reported this to all 3 credit reporting agency with validated the claim. I also have no knowledge of this account and I also have no knowledge of the original creditor
I contacted the Credit Bureau, requesting validation of the Bankruptcy, because I did not file a bankruptcy. I was sent back a credit report stating that the bankruptcy had been verified by the Federal Bankruptcy Court ( but no documentation to support that ) and if I had questions to contact the Bankruptcy Court at the address listed on my Credit Report. I sent a letter to the Bankruptcy Court requesting they 're procedure for verifying information with the Credit Bureaus and they sent me a letter back stating that they do not report to any of the Credit Bureaus.
On XX/XX/XXXX I received documents and a welcoming letter from USAA about opening a checking account. However, I never did nor authorized such an action. The account number is XXXX and appears to have been opened earlier in XX/XX/XXXX. I spoke with the bank staff including XXXX and XX/XX/XXXX, both customer service support who did confirm that this account was opened in my name, had my correct SSN and address but a different email address. They confirmed that a debit card was issued and an initial deposit made into the account, again, with no knowledge on my part. They also confirmed that the debit card was stopped by their fraud department but the account is open but on a hold as of XX/XX/XXXX. I requested several things be done immediately but they could only promise that I would be a call within 3 business days. I requested the following : The account be closed immediately with all funds redirected to their fraud account My name and all other information be removed from this account. 
Issue a letter by end of day XX/XX/XXXX confirming that all was accomplished. 

I inquired how a bank account could be opened without any credit check or other validation done by the bank. I have my credit reports frozen on all three credit agencies due to possible breech of my personal data. They could not answer that question and I am concerned for all their clients that no validation is done before an account is open. 

I believe this to be a scam attempt, opening a checking account with minimum deposit and then issuing fraud checks against insufficent funds. My concern is that this activity and/or closing of the account by the bank will be reported to the agencies and appear on my records, thus damaging my credit worthiness.
I came to Evergreen Home Loans, specifically XXXX XXXX in XXXX because she was highly recommended by XXXX in XXXX. I filled out the loan application online. I was prequalified in a few weeks which was too long, and ultimately became too long for the purchase of the property. XXXX took 6 weeks to send out the disclosures for the loan application from 6 weeks earlier. I had received no information as to all the fees and expenses to getting a loan. I was forced to sign them even though the data was out of date. I was also forced to use my married name which was no longer my name since my divorce. She complained that she had too many loans to process and did n't have time. I learned along the way that the loan priority was whoever complained more and was close to their closing date received more priority. So far, this I professionalism was quite obvious and the situation became even worse. 
She rarely returned phone calls. If she did, it was so I could resend the original documentation for the third time or to ask me to verbally repeat information that she forgot. She gave me no answers to my questions and the any documentation had incorrect information which she believed was the truth. Her staff was incompetent especially XXXX XXXX. She asked me to sign the new disclosures in her office after I flew out from California. They were incorrect again so I went back home to XXXX. She and her staff do n't know how to be organized or professional. She forgot about my closing of XXXX XXXX. I reminded her, but she never picked up the phone and XXXX was too incompetent to deliver the message. I lost the house because of her. She did a " bait and switch '' at closing, assuming that I would accept it. I would n't take the loan. I spent thousands of dollars on travel to this house. For what? Unethical treatment and behavior. She obviously had no clue how to handle the loan along with her staff and confused her loan processor. I have XXXX witnesses who will give testimony to her questional unprofessional and unethical dealings. I contacted XXXX XXXX, her boss, who ignored me with concrete answers to my complaint. I later got financing elsewhere for a fabulous home and closed within 30 days. I began working with her XXXX in XXXX and the house never closed. Is this really acceptable? We know that it is not appropriate and there are competent loan officers out there.
XXXX I WAS BILLED BY XXXX FOR THOUSANDS OF DOLLARS OF MEDICAL SERVICE. I PAID XXXX BY CONSENTING TO REMOVING A MONTHLY AMOUNT OUT OF MY CHECKING ACCOUNT. I CALLED XXXX IN BILLING AT XXXX AND I AM MADE SURE MY ACCOUNT WAS PAID IN FULL ON THE LAST PAYMENT YESTERDAY I GOT A COLLECTION AGENCY STATING I OWED {$59.00}.
UAS which finances classes at XXXX over stepped it 's boundaries by compounding debt where there was none and then calling me 6-9x/day - constantly to pay. NYS financial law disallows certain practices as usury. Dodd-Frank also disallows certain predatory practices by lenders. UAS circumvents this by having its back office in MO and it 's collectors in NYS. This is illegal and the States ' Attornies General need to clamp down on this predatory lender and harrasser.
On XX/XX/2018 I spoke to XXXX XXXX regarding an error Bayview Loan Servicing created on my Loan Number : XXXX XXXX sold my load to Bayview Loan Servicing. Bayview Loan Servicing is reporting I am 3 months late. However I have never been late as I have banking  information and statements showing my payments.
I have an unverified account from ENHANCED RECOVERY CORP. I had previously disputed this account. I have never done business with ENHANCED RECOVERY CORP. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY CORP provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY CORP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
On XXXX/XXXX/XXXX I sent a wire transfer of {$4000.00} to Coinbase Inc. As of today XXXX/XXXX/XXXX my money still has not been allocated to my account. I have contacted Coinbase on a daily basis only to receive no update or information. I have had a case created and escalated 10 times to be told there is a hold on my account. No employee can tell me what the hold is for or where my {$4000.00} is. I have verified my account 10 times and am not able to get an answer on where my wire is or when my funds will be available. I am not able to get any answers and need help!
On X/X/2017 I discovered the Equifax breech and found their response to the situation both disturbing and lacking. After initially confirming they had not secured my data and I was the victim of the breach, I refused to accept binding arbitration and continue with their 1 year of free credit monitoring. This is unacceptable, lackluster, and disgusting at best.
after disputing the following debts with XXXX 4 times and XXXX and TransUnion 3 times they have came back as saying verified but have shown no proof of how this debt was verified there are strict requirements how debt must be verified. The Fair Reporting Act ( FCRA ) requires the Credit Bureaus ( XXXX, XXXX & TransUnion ) to have PHYSICAL COPIES in THIER files of  documentation to support each account being reported. NOT THE CREDITOR, THE BUREAU Under the FCRA, Credit Reporting Agencies ( XXXX, TransUnion & XXXX ) must provide a copy of the verifiable original creditor documentation if it is requested properly by the consumer since XXXX, TransUnion & XXXX can not provide proof of verification to me in the form of a physical contract document per written request to do so- the account is classified as " UNVERIFIED '' and under the FCRA- all UNVERIFIED accounts MUST BE DELETED. The FCRA reqires that all Credit Reporting Agencies or " CRA 's '' VERIFY ALL INFORMATION received from creditors BEFORE this information is added to my credit file. Proper verification According to case law the CRA/Bureau must have copies of the ORIGINAL SIGNED APPLICATION in THEIR FILES! FAIR CREDIT REPORTING ACT. by providing all of this information, there is no question that i am the one making the written request. i request that XXXX XXXX XXXX And XXXX XXXX XXXX be removed from my credit reports.
I have filed several disputes with the all three of the CRA 's and have also disputed directly with XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and view it as unethical and perhaps this is not the XXXX time this has occurred with this company. All XXXX credit bureaus report a different age of these accounts.
My file has been split now for about 3 years. Just recently they half fix it where all my accounts are showing on one. But when I apply for credit it pulls up another file. One that has fraud alert on It. The fraud alert does not even have a phone number. I have been denied credit increases because of this. Keeping my score very low. I have asked them to remove the inquiries that I didnt do. They have not. My file was part of the security breach with equifax. I have submitted police reports and filed with attorney general and FTC. but I still have a split file. I want it merged. They keep saying they only see one. But if I apply for anything it says I have a fraud alert on my file with no number. I am looking into going to an attorney because they have caused me to loose a house loan because of this mess