WillisBack/dataset-financial-user-claim huggingface dataset:
I have informed Kohls several times that I had a payment plan for the date of XX/XX/2016 and yet they still report to the credit agencies that this was a late payment.
I have multiple credit inquiries that I did not authorize. I have contacted Transunion,  XXXX , and   XXXX    to dispute and delete them. I have received communication that they are unable to delete and that I would have to contact the creditors. A security fraud alert was placed on file by the credit reporting agencies after their investigation was completed. The inquiries still remain and has damaged my credit rating
In XX/XX/2018 after reviewing my credit file I noticed an account from XXXX XXXX XXXX {$550.00} that was opened up fraudulently. I contacted XXXX XXXX XXXX four times over two weeks about this account. XXXX XXXX XXXX informed me that they notified XXXX, Equifax, and XXXX on XX/XX/2018 to remove this fraudulent account from my credit file. This account is still on my credit file as of XX/XX/2018.
Creditor : XXXX XXXX XXXX XXXX XXXX. Debt Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never utilized services from this company which upon an internet search offers web hosting/domain registration. I have received letters in the mail claiming to be collecting on behalf of this company. I have checked my credit report with all three bureaus and this debt does not appear. Upon further research into this organization is appears there are numerous incidents like this regarding this company. I am not sure how they received my information but I do not want to give them any further information to perpetuate this false claim. I will contact my attorney to handle the matter on my behalf if the letters continue.
Today, XXXX/XXXX/15, I received an email from American Express indication that my credit line has been substantially reduced. I have never gone over my credit limit ; I have never paid late ; I have always paid more than the minimum amount due. 
I have written to them asking why my credit line was reduced as I have adhered to the agreement I have with American Express.
XXXX XXXX XXXX XXXX doesn't belong to me on all the 3 credit reports.
XX/XX/XXXX or XX/XX/2016 I entered into a Repayment Plan with CitiMortgage. The Repayment Plan stayed the foreclosure proceedings in the XXXX County Superior Court. Paragraph XXXX of the Repayment Agreement states that the payments are due on or before the due dates. ( the XXXX of the month ) Payments were to begin on XXXX/XXXX/2016 for XXXX. I did not make the payment on XXXX/XXXX/2016 and did not make payment on XXXX/XXXX/2016. Sometime XX/XX/2016 I called my then homeowner support specialist for CitiMortgage, someone by the name of XXXX XXXX XXXX, to see if the Repayment Agreement was still active or had been cancelled. I added that I had the money to catch up the payments for XX/XX/XXXX and XXXX 2016 of the Repayment Plan. XXXX XXXX said she needed to check " into somethings '' and would get back with me. A few days later, she called and stated the agreement had not been cancelled yet, but that I would have to pay XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to keep the Repayment Plan. On XXXX XXXX, 2016 I sent to CitiMortgage {$2500.00}. I did not make the XXXX, 2016 by the first of the month. On or about XXXX XXXX, 2016 I received an email from CitiMortgage stating my new Homeowner Support Specialist would be someone named XXXX XXXX. On XXXX XXXX, 2016 CitiMortgage sent me an unsigned letter stating that my Repayment Plan would be cancelled. I then called XXXX XXXX and was essentially told that XXXX XXXX made a mistake in taking the payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and that she did n't go through the appropriate underwriters.
Victim of credit report inquiry fraud 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 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 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
There are XXXX items on my Experian Credit Report that must be removed this month in accordance with federal law. I filed Chapter XXXX bankruptcy in XXXX XXXX, and the seven year window tolled from that date. There must be no reference to any bankruptcy on my credit report after XXXX XXXX. 

Moreover, Experian acknowledges this via the link : XXXX Dear XXXX, A Chapter XXXX bankruptcy remains on your report for seven years from the date it is filed. It will be listed in the public records section of the report. 

Accounts included in Chapter XXXX bankruptcy that were current prior to the bankruptcy filing remain on your report for seven years from the bankruptcy filing date. 

Accounts that were delinquent prior to being included in the bankruptcy will be removed seven years from the original delinquency date of the accounts. 

In some cases, an account may be reaffirmed, meaning it is no longer part of the bankruptcy filing. Reaffirmed accounts will be reported just like any other open, active account. 

Thanks for asking. 
The " Ask Experian '' team
Lender is not updating my loan status in the Va Data bank to reflect loan was paid - check cleared my bank sent them the receipts every one I speak with gives me a ref number telling me it will be uodated then state I have to wait 10 days and speaking to the Commonwealth of Va number says they just have to update the Va Database would like this resolved asap
Hello, Please help me. I got a letter from them 2x for the amount of {$1200.00}. XXXX XXXX verbally agreed to my hardship letter that I didn't owe from a debt from XX/XX/XXXX. My insurance company was supposed to pay. Attached is the letter I faxed over today. I got a rude and abusive call from XXXX XXXX and XXXX XXXX the director. I told them not to call me please do what the letter states. They were both rude and both of them told me that's it I wrote refused. I hope you have a good lawyer because we do. I tried to explain my situation and asked to please respond as the letter states for proof. XXXX XXXX rudely stated I am not doing anything! Get a lawyer. Here is my letter I sent by fax. 
Dear Collector, I am responding to your contact about collecting a debt. You contacted me by mail 2x,  on XX/XX/XXXX & XX/XX/XXXX. Assoc of XXXX told me verbally that it was accept as forgiveness since I dont have an income coming in. I do not have any responsibility for the debt youre trying to collect. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, XXXX XXXX
My daughter and I purchased a car from XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. The car is financed by Credit Acceptance Corporation. In addition an extended warranty was purchased for {$2400.00}. The extended warranty company is XXXX XXXX XXXX XXXX , XXXX We were given a generic brochure on the purchase date by the dealer and told the agreement would be mailed within two weeks. We never received the service agreement and called XXXX XXXX to inquire they said they didn't have a copy. I called Credit Acceptance Corporation and mentioned that I never saw or received the agreement. They immediately offered to send me a copy of the agreement. I thought it was odd that they had a copy, since they are a " separate '' business entity. We started having issues with the car and called XXXX XXXX several times with claim related issues. I called Credit Acceptance Corporation and told them I was having problems with the extended warranty. XXXX XXXX ( Credit Acceptance Corporation ) told me they had reviewed claims that I submitted to XXXX XXXX. I want to dissolve this relationship with Credit Acceptance Corp for the following reasons : 1 ) Lack of privacy with personal information. No permission was given to CAC to review claims. They should not have an influence on claims. XXXX XXXX is suppose to be a totally different company. 
2 ) Had I known the '' two '' companies intermingled information, I would have selected a different extended warranty company. 
3 ) The odometer reading on the extended warranty contract reads XXXX, the Bill of Sale contract with Credit Acceptance Corp reads XXXX. CAC/XXXX XXXX  executed contracts with this huge inconsistency. 
4 ) It is obvious that Credit Acceptance Corp and XXXX 's is one in the same. This is different that what's presented to the customer.
Despite the clarification l etter ( see attac hed ) from  XXXX ,   XXXX   refuses to delete the account from my credit report.
Convergent outsourcing is acting on behalf of XXXX for a phone bill that I do not owe. XXXX has been going to various collection agencies and putting this on my credit report and it should not be. Every single agency has removed the debt ( XXXX, XXXX, XXXX ). I need this removed from my XXXX report. They already have removed it from my XXXX report but not on my XXXX.
I 'm currently serving on XXXX in the XXXX. I applied for the Barclays Bank Luxury Gold card because at the time, Barclays had a great reputation for programs they offered to military members. They went well above and beyond the SCRA standard. They offered 0 % APR as part of the SCRA agreement. They also waived all transaction fees and well as the {$990.00} annual fee to all XXXX Military for the duration of their service. This is the explicit reason I applied for this card this past XX/XX/XXXX. In XX/XX/2016 Barclays decided to change to terms and conditions they offered to new Military members. They stated they were trying to bring them selves in line with everyone else in terms of SCRA. Every card service representative I talked to stated that if you were a previous card holder this would not affect you. Only new account holders after XX/XX/2016. After 10 month of having this card I received a notice in the mail stating that they could no longer honor the original terms and would begin accessing my account the annual fee of {$990.00}. I understand that Barclays Bank went well beyond any other creditor in regards to SCRA. However, not honoring the original terms of agreement to current card members is just bad business.
XXXX XXXX and Convergent have failed to show me an application or contact that I signed for this bill. It does not belong to me. I want it deleted from the credit bureau 's
Sent BB & T a {$9500.00} Principle only payment on XX/XX/18 with a letter saying : " Apply the enclosed {$9500.00} immediately to the principle balance of the loan. DO NOT apply this amount towards interest or regular monthly payments. '' on XX/XX/XXXX18, both the {$9500.00} check along with regular {$940.00} mortgage payment cleared our bank. I get a statement from BB & T dated XX/XX/XXXX18 showing that only {$9000.00} had been applied to principle out of the combined XXXX. Called BB & T. They could not explain why the full {$9500.00} was not applied to principle. They refused to recalculate interest for XXXX even though the loan amount was less for most of the month. 

BB & T has stolen thousands of dollars by misapplying payments and misinforming me about how to remove PMI over the Couse of the loan.
The collection agency is Credence Resource Management aka Credence XXXX. They have aXXXX XXXX bill from when I was at a company conference earlier this year. Because I had not yet completed my deductible for the year, I initially owed about {$950.00} on this debt. Because I was sick for much of the beginning of the year XXXX I was not able to pay this bill in full to the original creditor, XXXX XXXX XXXX. The only payment options I was offered by the original creditor was the balance over 12 months, which I could not afford. 
The account was placed into collections on XXXX/XXXX/15 with Credence. Everytime I go online or call in, my balance has gone up again. I initially called them on XXXX/XXXX/15. They did not check to make sure I was the right person and only told me they were debt collectors after we had spoken for quite a while. That day I went online and made a payment for {$10.00}. 
I called in again today to make another payment and I spoke with XXXX XXXX XXXX or XXXX? ) and he was unable to answer questions about the account, the interest rate and the collection fees so he put a manager on the phone, XXXX XXXX. XXXX states that Credence RM is charging 6 % interest per annum on my account, however in the just 24 days they have had the account, the balance has increased by {$28.00}. On top of this they charge a {$5.00} processing fee for online payments or debit card payments. I noticed that 6 % per year should only be $ XXXX/year on a balance of {$950.00}. I asked manager XXXX XXXX about this, he said it was so much because the annual interest accrues daily. I asked him if this is not different than 6 % per annum he stated and he said I need to talk to their attorney, XXXX XXXX, in their " concern '' department which they also call their legal department. He repeatedly stated only the attorney could explain the math to me. Then XXXX offered me, for today only, that I could pay the original balance of {$950.00} ( guess I would just lose the payment I already made ) today and he would not charge me the interest that has accrued so far. I explained to him that I have been sick since the beginning of the year and just do n't have that much available. 
While I was on the phone with the XXXX the manager, I tried to locate the attorney XXXX XXXX through XXXX and my state bar association, but was unable to locate any attorney by that name. XXXX spelled the name for me after I insisted several times. I asked the manager XXXX what state the attorney is licensed in as I was unable to locate any contact information for him. He then admitted XXXX XXXX is not really an attorney, just a staff member in a different department. 
The collection agency is willing to let me make small payments but they ( NOT the original creditor ) are charging me interest on this medical bill, at a high enough rate that will mean I will never pay this off, only watch the interest grow and balance get larger while I pay the collection agency to collect my account and pay convenience fees for the " pleasure '' of that collection.
Had fraudulent activity on my card that included purchases and credits. Charges were as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ECLIPLSE SAMPLE SALE credit XXXX I was hospitalized at the time and reported fraud. My fraud claim was denied for no apparent reason. I proceeded to send hospital records, and was told that wasnt sufficient. I then filed a police report and sent to them. They said it wasnt sufficient still because it wasnt signe, which it was. All of this was not communicated to me, and I have tried calling today XX/XX/18 six times. They couldnt hear me 4 times and hung up on me 2 other times. I need my money back. Meanwhile I have paid the minimum payment and have accrued interest charges. I am owed {$870.00}, plus interest charges. Furthermore, they did not send me a statement for XX/XX/XXXX, and I had to login to pay, luckily I have my payments scheduled in advance.
I pay my First Niagara credit card every month online. I have had this credit card since I was XXXX. Every month I choose the same account to pay it out of ( a XXXX account ). On XXXX XXXX I made my payment as usual. Did n't have any thoughts about it, until I received a letter saying my payment did NOT go through. I immediately got on the phone with First Niagara who was generally UNHELPFUL. They did n't know why it did n't go through, but they said they would reverse the late fee and to try to make my XXXX XXXX payment as scheduled ( would be in the amount of XXXX, due to " nonpayment '' in XX/XX/XXXX ). I did, I made that payment again online. It still did not go through. Nothing on my end has changed, no change in banks, no change in accounts, nothing. Again, this is the same method i use to pay my bill EVERY month. ON TIME. First Niagara wants to act like this is some fault of mine, even though I have proof ( printed confirmation ) that I 'm making my payments on time. The last person I spoke to on the phone accused me of having a missing XXXX in my account number. How can this be when I ALWAYS use this account to pay my bill and have never had any issues?
I have disputed several items on my credit report. I sent an initial correspondence disputing several items. I received a response from the credit bureau stating that they verified some of the items I had disputed. I replied with another correspondence requesting the specific method of verification. The credit bureau  ( EXPERIAN ) re plied to my correspondence stating that my letter was not legible. I 'm not sure how that could be when the letter was typewritten just like my previous correspondences. I would like to know what certified documents were reviewed to conclude your investigation? Please provide a complete copy of all of the information that was transmitted to the data furnisher as a part of the investigation as required by the Fair Credit Reporting Act : Who did you speak with? What was the date? How long was the conversation? What was their position? What number did you call? What is the name of your employee that spoke with the creditor? What is the position of your employee that spoke with the creditor?   My name and reputation are at stake and this reporting has caused great financial distress. I need the bureau to provide the above information, so I can conduct my own   investigation and verification process with the alleged creditors.
Below are the items I disputed and requested the above referenced information for, so that I may c  onduct my own investigation.     1.   XXXX   XXXX   XXXX  , truncated account #  XXXX  on credit report, reported balance {$1000.00}  2.    XXXX   XXXX   XXXX  , reported balance {$9400.00}, partial account number (  XXXX  )  3.   XXXX , truncated account number  XXXX , reported balance {$2200.00}.   4.  XXXX , truncated account number  XXXX , reported balance {$1500.00}
Back on XXXX XXXX my wife went to the XXXX XXXX Regions Branch to cash her pay checks. She would save up several and cash all at one time for the given month. I believe it was on the day of XXXX XXXX the branch manager called her ( wife ) and told her they over paid her by {$700.00}. and would need the money back. My wife told them she did not have there money and even so she did not have the money in her account. The bank manager replied " I Know '' XXXX ( Wife ) then told her she would need to look into this matter and call her ( XXXX ) Back. As soon as the phone hung up the money was pulled out of our joint account and put the account into overdraft. Please understand that this is 2 months latter with no written notice or no verbal notice. The bank basically put us in a really bad situation with paying bills and checks bouncing. I could be very understanding if a notice was given and we had time to investigate. We have asked for proof that XXXX actually received these funds and they have said no. On the day of XXXX XXXX XXXX called a lady by the name of " XXXX '' a regional manager for regions every 15 minutes over a 4 hour period with no return calls. ( she gave up ) At this point we want and need our money back unless Regions can show and proof to us we have the money. This was very unprofessional and has caused anguish for my wife and I. All they had to do was handle this matter with respect and professionalism and this matter would have been resolved. 
Thank You, XXXX
My educational institution, XXXX XXXX XXXX XXXX XXXX XXXX, initiated my repayments in XXXX through UHEA ( XXXX ). At that time, I owed approximately XXXX, XXXX dollars. Through a deferment, inability to " communicate '' with XXXX, getting conflicting information from them when they would respond, there total lack of cooperation in providing statements and other loan specifics as well as my own ignorance in just refusing to deal with them or my loan for about 2 years, I have since paid approximately XXXX dollars to them and still owe them approximately XXXX, XXXX dollars. I am nearing retirement and do n't feel I can maintain these payments much longer as I will not have the money. It trying to work with them to settle the loan, I received but rude and degrading comments. I am at my wits end about it.
Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account that does not belong to me. This is my fourth letter to your company informing you that the accounts are a result of identity theft. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. Also, how can you even verify a fraud account? Please remove these items from my report!!!
Good Morning, On XX/XX/XXXX I received a notification from XXXX XXXX XXXX regarding a denial for a apartment in Washington DC ( XXXX XXXX ). Further, the denial indicated that I would require a guarantor as my credit report from trans union resident score was XXXX. I checked my Transunion credit report and I see that my credit agency score is much higher than that. On XX/XX/XXXX I requested a copy of the credit information from XXXX XXXX XXXX which I am currently waiting my copy. In the mean time I want inquiry how XXXX XXXX XXXX can deny my apartment occupancy with a much lower score than XXXX XXXXXXXX XXXX are they one in the same?
Trans Union has not been able to provide me with an online view of my credit reports despite many calls and speaking to several supervisors about the issues. They continue to state they are working on the problem but there is never a resolution. This issue has been ongoing for over a year. They insist that I call in every time I need to file a dispute or apply a security freeze on my credit reports.
XXXX XXXX credit card does not belong to me. I never recieved the card and would like this removed from my TransUnion credit report
A bank account was opened in my name over 10 years ago at Bank of America. Also, I had an XXXX and XXXX account. I 've become a victim of identity theft to the extreme ; whereas, I 'm being stalked by individuals I do n't even know for my card XXXX pin number. Why? My best assumption is that maybe they are duplicating cards, not sure. Identity theft in XXXX has become very stressful and a health matter as well. I am writing to protect and secure my funds in account which, at this point, I am afraid to put money into accounts when XXXX, XXXX, XXXX XXXX College faculty members, or others can go into my account when they have relatives or friends working in financial corporation to hinder hard working XXXX Americans from becoming financially stable.