WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX was denied credit from XXXX for a business credit card due to transunion reporting a bankruptcy on my file. I have no bankruptcy reported on any credit report from any bureau under public files. My XXXX mortgage that was modified in XXXX is reporting under remarks : bankruptcy dismissed. Loan modified. However, there is no date of when the so called bankruptcy was dismissed and is honestly reporting information well past the max of ten years. This mortgage was paid off in good standing. I put a dispute in on XX/XX/XXXX after I contacted XXXX XXXX and Transunion regarding this issue. XXXX XXXX stated that it is transunion 's problem bc they are recognizing a bankruptcy and just reporting it. Transunion says its XXXX problem bc they are the one not updating the information and keep reporting that the bankruptcy is dismissed. The dispute came back XX/XX/XXXXwith no change in the results I contacted XXXX XXXX again and Transunion and placed new disputes but neither was willing to work to change the issue and continue to blame each other. I have put in another dispute and contacted a lawyer for further advise. XXXX does not report this account at all.
I paid our account literally ONE HOUR late. 

They charged us {$25.00} and I called twice to have them rebate it and they would n't do it.
Experian has the following information on my credit report and it is not correct : I have never lived at : XXXX XXXX XXXX XXXX TX XXXX Shows a late payment account from : XXXX XXXX   This has never been late. 

XXXX XXXX XXXX This has never been late. 

XXXX XXXX XXXX Charged off. This account was never late. {$4000.00} XXXX XXXX XXXX Charged off. This account was never late. {$5000.00} XXXX XXXX XXXX Late payment. This account was never late. {$21000.00} XXXX This account was never late. 

XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX This account does not belong to me. 

Shows an inquiry from : XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX I did not authorize this. 
XXXX I did not authorize this. 
XXXX XXXX. I did not authorize this.
Wells Fargo has been saying for the last 2 years that I am missing a payment. I have contacted them every month and I hear the same thing. I sent them 7 years of dates and amounts of my payments. There aren't any missing. I keep hearing the same thing from everyone I speak to. They said I need to find it since they can't. I told them I can't find a missing pymt if it not missing. I have a case open XXXX XXXX XXXX ( not sure of the spelling. ) She has told me every week that they can't help me unless I tell them when the missing payment is. I am so frustrated with Wells Fargo right now. I keep getting letters saying I need to pay or they will take action. I seriously don't know what to do. I told her she needed to credit my mortgage {$670.00}. She said she can't do that. 
Please help They also tacked on fees for {$2600.00}
My son and I went into the US Bank on XXXX XXXX XXXX in XXXX XXXX at XXXX to open a new checking account. The Teller ( XXXX ) refused us service and stated that she can not help us because opening a new account takes 45 minutes and we close at XXXX. I find this practice to be deceptive, unfair, and discriminatory! If US Bank advertises that they are open until XXXX, how can they deny a customer service? I work during the day and my son had just gotten off work, so this was the only time that we could get there. I 'm shocked that they refused to help us!
on XX/XX/2018 Moneygram stated that my online account had been locked out due to activity. I was told by moneygram that i should visit a moneygram location personally and i could send money. Unfortunately even attempting to send money at a physical location i was unable to send money ( local XXXX ) to a family member. 

I would like moneygram to unlock my account so i can continue to send money to XXXX family and friends.
I have never received notice or any paperwork concerning this debt. I have personally contacted the company to dispute this debt. I have also submitted disputes with all my credit report agencies and have been successful at getting it removed with XXXX so far. The debt continues to be reported on my credit falsely.
Wells Fargo turn ed a mortgage modification into a nightmare. They lied, misled and hid information that would have helped with a HAMP/HARP modification . Wells Fargo put us into a 3 month trial period program at half our mortgage amount. This gave us hope, even after three months of paying we received a congratulations letter saying we were accepeted into the program and to expect the paperwork in the mail. A month later I called and asked where the paperwork was and WFHM said to keep sending that lower amount. Ten months later they sent a letter saying I was out of the program because the investors did not want to do the deal. When I asked what I should do they had me complete another loan modification HARP/HAMP application. Then two months later, they said I was out of the running because I did not send the proper documentation, after saying  I no longer needed to send said documentation every month. At that point, I stopped paying. A month later they started the foreclosure process and I got a ( bungling ) lawyer. Foreclosure was filed in  XXXX  of  XXXX . Then we were in courts and depositions, then bankruptcy, all to save the house. In  XXXX  of  XXXX  the bungling lawyer finally made his last mistake and everything ruled against me and my wife. Foreclosure was to proceed on  XXXX   XXXX ,  XXXX . We are now out of the house as of  XXXX   XXXX ,  XXXX . There are a great deal of additional details, but that is it in a nutshell.
Chex Systems is reporting the wrong information regarding myself. I called a wrote .... NO RESULTS. Please correct and DELETE.
I went to XXXX college ( now known as XXXX ) in XXXX Washington. That was a mistake, I graduated from there with a XXXX, only I never received a certificate. I called the school multiple times to no avail. They kept giving me the run around, so here I am stuck with a private student loan from the horrible XXXX XXXX. I would get up to five calls a day with threatening voicemails. At that time I was working at a fast food restaurant barely making enough to live on. I eventually started a payment plan and was paying around two hundred dollars ( automatic withdrawl ) a month. Does n't seem like a lot, but it hurt. Since I was issued a new bank card I thought I would call XXXX XXXX and let them know and give them my new information. Well, I called and it sent me directly to a collection agency, so this whole time I was paying a collection agency and not XXXX XXXX. My place of work ended up closing down due to the economy and I was unemployed for over a year and was unable to make any payments. the loan now sits in a collection agency ( it 's been shuffled to a few different ones ) with the interest adding up.
I have a private student loan that is serviced by XXXX. In the past, I have been able to pay by bank transfer through the website with no fee. The site now ( effective XXXX XXXX, 2016, according to the front page ) imposes a {$1.00} for bank transfer payments that are not made through their autopay system. Servicers should not be permitted to unilaterally impose fees on existing payment methods or to change the terms on which borrowers have been paying.
Basically it appears to be a Transunion Scam. When you try to get the second Credit report a page appears from Transunion asking you to purchase for {$17.00}, a Credit Monitoring/report/score service an the Computer screen will not allow you to bypass this request. So we " could not '' get the reports for XXXX or XXXX, because of the issu with the Transunion advertising blurb constantly coming up in between the Annual reports. 
Why have it available if it does n't work! XXXX ... XXXX XXXX
Account-Related Errors : Several credit cards that do not belong to me are listed asDerogatory Mark Errors on my credit report. 
Wrong name listed/Personal Information Errors are noted : All XXXX BANK and CITI Credit Cards are listed under the wrong name. They belong to my ex-husband, XXXX XXXX XXXX, as part of divorce settlement.
XXXX bill was sent 5 years after accident. I was not at fault ; other driver 's insurance admitted they were responsible and failed to pay the bill on time. Insurance company agreed to pay all additional fees. They asked the collection agency for an invoice showing all fees. Debt collector supposedly tacked on all " late fees/additional fees '' when the insurance asked for bill detail. AFTER insurance company paid the bill they received from the debt collector, the debt collector continued to call me at work and on my cell telling me that the bill was not completely paid. When I presented the check number and date cashed to them, they told me the legal fees were still outstanding. I asked why they did n't include those on the insurance invoice if the insurance company was WILLING and ABLE to pay the additional fees. The case never went before a judge. The debt was paid a month before the set court date. They called my work on a regular basis asking my HR department about my employment. They would call me and not leave messages as I had stopped answering their calls.
My identity been compromised. 
A mortgage was taken out in my name. 
Also there is some listing of a bankruptcy filing. 
I have never filed any bankruptcy of any kind ... period. 
The credit bureaus have removed the fraudulent mortgage already. 
The credit reporting agencies have had me confused with a XXXX XXXX out of Washington State or somewhere. 
There are accounts on my credit profile that do not belong to me. 
I feel I have followed the law in obtaining a police report and filing the proscribed affidavit from the federal trade commission.
XXXX  has been non-compliant with removing the unverified account NAVY FEDERAL CU OF Opened Date XX/XX/2013 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that NAVY FEDERAL CU OF was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I 've attached a letter written with all of the details regarding my dispute, etc., and pages of documentation supporting my dispute with Barclays Bank. 

Barclays never sent me timely information regarding the dispute, nor did they answer my last letter dated, XXXX XXXX, 2017 that pretty much sums up the transaction and details of the ongoing dispute. 

I removed a few pages within the documents I sent. They are page 4 of 18 and 11 of 18 as those pages were copies of my TX drivers license. 

PLEASE MAKE SURE YOU GO THROUGH THE DOCUMENT AS WELL AND REDACT ANY OF MY PERSONAL INFORMATION WITH THE EXCEPTION OF MY NAME, CITY AND STATE. thank you.
I had filed and was awarded bankruptcy in XX/XX/XXXX. Included in the bankruptcy was a home that had been awarded to my ex-spouse during the divorce under XXXX XXXX. My credit report shows the loan was discharged due to bankruptcy in XX/XX/XXXX and XXXX discontinued reporting on my credit report. 
My ex-spouse had stopped making payments on the house and subsequently, the loan company started foreclosure proceedings. I was no longer responsible for the loan, with the discharged bankruptcy on court record however, in XX/XX/XXXX, XXXX XXXX sold the loan to another company, Caliber Home Loans. Caliber proceeded to put me back on the mortgage, even with the discharged bankruptcy and began reporting on my credit report XX/XX/XXXX that the loan was over 180 days past due. I contacted Caliber, gave them my bankruptcy information, my attorney 's information and asked them to remove the information from my credit report. I was not a part of that loan when they acquired it in XX/XX/XXXX as the discharge was in XX/XX/XXXX. They have failed to do so even at the request of my attorney, proof of the bankruptcy discharge and request of myself. The are still reporting on my credit report.
i took a loan out with XXXX XXXX XXXX XXXX in the amount XXXX dollars at that time i did ask the person about the rate and got a half answer, after i got the loan i then looked at the agreement and noticed i would be paying XXXX for XXXX XXXX i do have the electronic agreement saved. 
l feel that I am being charged an exceedingly high interest rate for a {$500.00} loan. I have taken loans out in the past and have never been charged an unusually high interest rate as this. I have been making monthly payments twice a month in the amount of {$140.00}. Payments fromXXXX XX/XX/XXXX thru XX/XX/XXXX.
The Chapter XXXX Bankruptcy was filed XX/XX/2011. It should also be removed from my credit report either way as enough time has passed per the law that it should no longer show up on my credit report and give me a negative rating.
Mortgage lender Ocwen. Forced Hazard Insurance on loan despite XXXX notices sent to them by me and declaration of Insurance sent to them by Insurance carrier. Ocwen has sent backdated notice that current mortgage because of forced insurance and other undecipherable fees will increase by over {$1200.00} in XX/XX/XXXX. I need help to resolve this recurring issue.
On XXXX/XXXX/2016 Bayview Loan Servicing became my new mortgage servicer. On XXXX XXXX, 2016, I received a welcoming package from same company that did NOT include a debt validation notice, as I understand is required by law under the FDCPA. I 've checked the front and back of the documents, which I have attached.
I was making a XXXX Airline reservation, when I was offered a credit card that showed the cost of the ticket would be {$100.00} less, if I applied and was accepted. I applied for the card, was accepted and notified that I could use it to make purchases right away. Went back to the reservation web site and indeed the cost of the ticket was {$100.00} less. BUT, timed out during the process. Now I am not able to receive the {$100.00} discount on the ticket. I have been told several different stories regarding this issue. I was told to use the card I will receive the credit. I tried this and card would not work. I was told by Citi that getting timed out happens and the credit card company can work with AA to get it fixed to make purchase. Finally, I was told I can not use the card for 7 days until it is activated and they can not cancel it until it is activated. Bottom line, this was false advertising, the reason for my getting the card I am not able to take advantage of. I have spent many hours over 3 days with no resolution.
Erroneously produced negative reports to all three credit bureaus causing a XXXX point drop in my score at all three. 

They did so while trying to collect a 2.5 year old, contested balance I 'd heard nothing about for that 2.5 year time. Out of the blue - bang - try to collect and immediately smear my credit reports at all three bureaus. 

I 'm about to apply for a mortgage and this will carry significant negative financial impact me in obtaining a favorable rate - far exceeding even the erroneous amount they were attempting to collect. 

The collection agency reported that they have completed their dispute investigation and that they found that the debt was legitimate - but they have not asked me anything, including for copies of my letters to the vendor, certified, return receipt, stating my position that the vendor had breached the sales contract and was not entitled to any payment. Those letters are succinct, factual, and contemporary to the time of the disputed services - XXXX. 

The {$130.00} XXXX dollar corporation XXXX $ XXXX then - seem to be growing fast with these tactics ) doing the XXXX here is XXXX. Their disgusting collection agent is Convergent Outsourcing Inc .
Nothing happened, I sent the info in via mail no reply and the items are still on my report.
Disputed two collections on my report from XXXX XXXX one for {$780.00} and other {$700.00}. I originally tried to contact XXXX XXXX, they where rude and cursed at me. I disputed the collections with Experian came back as verified. I am not responsible for this debt it's not mine. According to the FCRA Experian is to have on record the and report to me these inaccuracies within 30 days. I sent the Method of Verification for these inaccuracies, the 15 days to respond has long come and gone no reply. Experian is violating my rights according to FCRA, to verify a inaccuracies, to have on record a copy of this on file, to report to me in a timely fashion.
I am a victim of identity theft. Someone called American Express to cancel my American Express credit card account : XXXX. I never called American Express to have my account cancelled. Some of the transactions on my American Express credit card account are fraudulent and unauthorized, not all of the transactions are fraudulent and unauthorized on the account.
This is an incorrect account. I owe nothing to XXXX and I am in good standing with this company and have an active account in good standing.
I have sent multiple letters to XXXX National Consumer Assistance Department XXXX  Consumer Relations, and Equifax Credit Information Services about multiple unknown collection accounts that have been reported on all three credit reports. <P/>XXXX National Consumer Assistance Dates : Certified Letters : X/XX/2017,XX/XX/2017. Online disputes : XX/XX/2017, XX/XX/2017, XX/XX/2017,XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Hospital {$1100.00} closed unverified ) XXXX Consumer Relations Dates : Certified Letter : XX/XX/2017. Online Disputes : XX/XX/2017, XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and still unverified ), XXXX XXXX XXXX ( XXXX {$450.00} open unverified ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Hospital {$1100.00} open unverified ) Equifax Credit Information Services Dates : Certified Letter : XXXX/XXXX/XXXX. Online Disputes : XX/XX/2017,XX/XX/2017, XX/XX/2017,XX/XX/2017, XX/XX/2017, XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX ( {$24.00} closed unverified ), XXXX XXXX XXXX XXXX  ( {$160.00} closed unverified ), XXXX XXXX ( {$50.00} closed unverified ) These companies, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amounts listed above with XXXX, XXXX, & Equifax credit reporting agencies. I requested verification of the debt and account however the business and credit reporting agencies have failed to provide adequate proof. Instead of deleting these accounts ; they have been closed and remained open with derogatory remarks on my credit file which has caused not only stress but slowed down the process of buying my first home. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
please find attached the letter from macys for which they have approved of the delinquency being inaccurate and are willing to remove the negative mark from my reports XXXX and XXXX have already removed except XXXX, they are not cooperating, please help this inaccuracy to be deleted from XXXX report thank you
I have contacted this company asking for applications, or security agreements that was completed by me to show initiating of this account. I have never lived on whatever property they are claiming. And, they continue to provide some type of agreement created online. They will not even forward an application to show if I even applied to live wherever this place is. They even have a page with a generic email of my name as an email which is not my email and never has been. 
They are now saying I owe {$4100.00} for some move out service or something. 

This is not my debt, I did not live here nor applied to do so.
I had a collection from XXXX, I disputed it and XXXX found that I was correct, this was identity theft. since then I 've had XXXX companies try to collect the same debt, every 3-4 months I have to redispute with a diff company to have removed. this is dropping my score and interring with my life.
I got the account on XXXX XXXX, XXXX. I did not intend to sign up for the card.One of the employees closed my account without my consent. I had expressed my concern about the account to the employee. She told me that closing the account will not be possible until the balance is paid off first. She told me to call back in a few days to confirm about the account. On XXXX/XXXX/XXXX I have n't paid the balance off yet because I have n't gotten the statement in the mail and I just received a letter saying the account is closed.I have yet to get the actual card in the mail also. We never confirmed anything and there was no talk about a letter coming in the mail about how the account is closed. Not only I got my credit pull for the card, I now have to worry about a closed account with a balance ruining my credit score. I will be paying the balance off tomorrow morning.
Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$6500.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately.

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.