WillisBack/dataset-financial-user-claim huggingface dataset:
This dispute involves incomplete and inaccurate information on my credit reports with XXXX loans from the same creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All XXXX have the same address. It is XXXX. XXXX XXXX, XXXX, WI, XXXX, phone number XXXX. 

The account numbers are XXXX ... XXXX ; XXXX ... ./XXXX ; XXXX ... ./Great Lakes XXXX ; and XXXX ... XXXX. 

XXXX of these loans are closed, paid in full with zero balances. Yet they are still being reported as " Adverse '' or " Negative '' with all credit bureaus except XXXX. They have been all removed with XXXX ( copy attached ). 

When I called the creditor 's toll free number listed above, XXXX was unable to find any accounts under my name. 

Please delete all XXXX accounts on my credit reports. 

XXXX account shows an outstanding balance of {$2400.00} as of XXXX XXXX. I owe nothing on this account. I have never received a bill yet it is being reported as current making monthly payments. 
I received a XXXX waiver from the XXXX XXXX. of XXXX dated XXXX XXXX, 2014 ( copy attached ) which wipes out all my student loan debt. Yet XXXX account, XXXX ... .under the credit name of XXXX XXXX XXXX XXXX shows an outstanding balance with XXXX late pays in its payment history.
I called Capital One to see if I can lower my interest rate which is currently 25 % and 23 % ( I have XXXX cards with them ). The first lady was very rude stating that it was nothing she could do and if they was to lower it the rate would be temporary.. This is XXXX I have been with this company for at least 2 years and my credit score is around XXXX, never missed a payment, and keep my balances low.. I informed the supervisor that I will be making a large purchase soon and WILL not pay them 25 % in interest.. The lady said she could n't lower my rate and to lower the rate is based on some standards.. I asked her what they were she could n't explain.. I asked her why I could n't receive the lower rate she could n't explain.. This is a XXXX way to run business with people and not a fair to their customers.. She could not give me any explanation on to why my request could not be granted.. I asked to speak to another manager she stated she was the highest that 's XXXX too.. This company is very unprofessional and love to scam people with high interest rates.
Personal Statement : MY WALLET WAS STOLEN BACK XX/XX/2010, I HAVE ALREADY TRIED CALLING ALL 3 CREDIT BUREAUS SEVERAL TIMES, SENT IN POLICE REPORT, AND RECEIVED NO HELP. I CONTACTED THE POLICE AT THE TIME IT HAPPENED AND WAS TOLD THERE WAS NOTHING THEY COULD DO SINCE I DO NOT HAVE THE NAME OF THE PERSONS RESPONSIBLE. I HAVE CONTACTED THE COMPANIES PERSONALLY FOR ALL THE INQUIRIES ON MY CREDIT REPORT ANS ALSO NO HELP. I HAVE DONE MANY THINGS TO TRY AND CORRECT THE MISINFORMATION ON MY CREDIT REPORT, AND ALL THE INQUIRIES ON MY REPORT. THIS IS VERY STRESSFUL AND HAS CAUSED A STRAIN ON MY FUTURE FINANCING ALL BEACAUSE SOMEONE STOLE MY IDENTIY. IT'S HENDERING ME FROM PURCHASING A HOME AND I HAD TO GET MY MOM TO HELP ME FINANCE A CAR. PLEASE HELP ME CLEAR THIS MATTER UP IF YOU CAN THANK YOU.
Multiple wrong address information..on my XXXX, XXXX and Equifax credit files 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
I have contacted Chase bank on an unauthorized withdraw from my bank card debit from XXXX XXXX on XXXX/XXXX/2015 for {$240.00} while it was still in-process. It went into full account a day later after telling Chase that it was not authorized. It has now been 9 days and still there is no credit to my account for this item. It clearly is in dispute. I need my funds to pay bills.
I advised them on XXXX separate occasions NOT to contact me and that I needed verification of the debt. They have continued to call since these notices ( more than XXXX times ) AND never verified the debt. Since they did n't provide verification of the debt within 30 days, they can no longer collect from me. They also now owe me for EVERY call they 've made to me since I told them not to call ( I have confirmation of my contact ). These were also robo calls so I am owed for that as well. I want them to pay me for all the calls they made after being told not to.
I sent a letter to Midland Credit Management ( MCM ), written on XX/XX/XXXX, received on XX/XX/XXXX, requesting an investigation on account XXXX. I never received a response from Midland Credit Management ( MCM ), violating federal law. I sent another letter written on XX/XX/XXXX, and received on XX/XX/XXXX, stating the violation of federal law and requested the removal of the said derogatory item from my credit reports. All I received from Midland Credit Management ( MCM ), was a letter stating that the item is correct, which we are way beyond now that Midland Credit Management ( MCM ) has violated federal law. I would like the item removed from my credit reports or I will be forced to sue Midland Credit Management ( MCM ) for damages resulting from the violation of the Fair Debt Collection Practices Act.
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question which have been removed several times because these are inaccurate and have been removed because they were a result of identity theft. I HAVE SENT IN AFFIDAVIT OF IDENTITY THEFT YOU HOW EVER HAVE ALLOWED TO REINSERT I NEVER received a written notice 5 days prior to it happening, I am entitled to {$1000.00} per account that was added back ILLEGALLY. 
As per FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a  consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
The accont is XXXX XXXX XXXX {$510.00} Opened XX/XX/2018
I HAVE SENT CERTIFIED LETTERS ON  XXXX  DIFFERENT OCCASIONS TO ALL CREDIT BUREAUS (  XXXX , EXPERIAN AND  XXXX   ) IN REGERDS TO A LL INQUIRES THAT I HAVE SEEN ON MY REPORTS THAT I WAS UNAWARE AND HAVE NO RECOLLECTION ON DOING OR APPROVING MYSELF, UPON LOOKING AT MY REPORTS ALSO NOTICED ALIASES AND M Y NAM EIN DIFFER ENT FORMAT WITH ADDRESSES BELONGING TO CALIFORNIA AND TEXAS WHICH I HAVE NEVER LIVED NOR VIVISTED IN MY LIFE! THERE WERE PHONE NUMBERS INCLUDED FROM THOSE AREAS TOO! I SENT A PERSONAL UPDATE AND THEY WERE ABLE TO HANDLE THOSE BUT DIDNT UPDATE MY BIRTHDATE THEY HAVE ME AS   XXXX    , XX/XX/XXXX  THO SE ARENT MY BIRTHDATE, MY BIRHDATE IS  XX/XX/XXXX  I FEEL THERE WAS FRAUDUALANT ACTIVITIES GOING ON AND LAST YEAR I REPORTED TO THEM ABOUT IT THEY WERE ABLE TO REMOVE  ONE ACC OUNT FROM TEXAS BUT  LEFT ANOT HER  ONE IT  ISNT MINES OR UNAWARE OF  XXXX   XXXX  FROM  XXXX  TX THIS ACCOUNT ODESNT BELONG TIME AND I DISPUTED WITH ALL  XXXX  COMPANIES AND NOTHING YET! I AM CONCERNED, FRUSTRATED AND FEELING HELPLESS! To whom it  may co ncern, I mailed a Multiple Inquiry Removal Letter on   XXXX   XXXX   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX   and they completed the request on   XXXX   XXXX   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to t he FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the dispute d information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
HSBC has my loan as transferred, not paid off. A Check was used to pay this account off in full. It also reflects my last late payment XX/XX/XXXX.
I received a missed call on  XXXX   XXXX ,   XXXX   @  XXXX  from (  XXXX   )   XXXX  a  XXXX   ,  FL  XXXX  # with no name attached to #. I received second call on  XXXX ,   XXXX  , @  XXXX  from same #. The woman on the phone proceeded to state I had to pay {$630.00} over the phone right now or she would " report this debt on my credit report withi n 2 to 3  hours ''. She did not state who she was or who she worked for. She only stated it was related to my past landlord,  XXXX   XXXX   XXXX . " Our lease '' just ended on  XXXX ,   XXXX  . I tried to explain I did not owe anything & I had not received any bills from  XXXX   XXXX   XXXX . or from anyone else & that I was driving & would get back to her by the next day once I had the opportunity to contact  XXXX   XXXX   XXXX . but she kept telling me I had to pay now or she would be putting this debt on my credit report within  2 to 3  hours & that I was a " liar ''. I asked to speak to a Supervisor. A man got on the phone & was even more persistent that I pay balance now or reach a " settlement amount & pay now '' otherwise he was going to place this debt on my credit report within  2 to 3  hours & he to denied me the opportunity to call them back once I had a chance to speak with  XXXX   XXXX   XXXX . the next day. He stated this conversation was being recorded & that " everyone always says they have never gotten a bill in the mail ''. He eventually hung up on me. I did not know if this was a scam. I do not understand why they were even trying to bill just me the whole alleged bill when there were "  XXXX  tenants '' on the lease. I have been corresponding to them by certified mail since I received a notice from them. I have tried to resolve this issue with them &  XXXX   XXXX   XXXX . I have explained to both of them the terms of the  Landlord Tenant l ease agreement & what it states about any disputes betwee n Landlord & Tenants  must go through small claims court & be granted a favorable Judgment before any debt collection attempts can be taken. I have requested  XXXX   XXXX   XXXX . to file a claim with small claims court so this issue can be resolved because  XXXX   XXXX   XXXX . amount of alleged debt owed is invalid, inaccurate & not the same as  I.Q. Data International a lleged debt. As of today, I am aware of this alleged unproven with no court order Judgment has been placed on my credit report on "  XXXX   XXXX ,   XXXX   to  XXXX   &   XXXX  ''. I am in the process of disputing this alleged debt with my creditors. Thank you
A couple years ago we Navient to see how we could lower our monthly payment. We were told by multiple reps that we were on an interest only plan and it was going to change to a much higher payment. We were told on multiple occasions that there wasnt an alternative option until we finally spoke with a rep that was able to place us on an extended payment plan to lower our payment but said it would add 15 years to our repayment schedule. We were told there may be other options available but they would need to speak with the borrowers parents to discuss ( we were XXXX at the time and no longer dependent on our parents ). We were told that we could always change our plan at any time. In XX/XX/2018, we called in because our payment had increased by over {$50.00} in the past 2 years. The rep did some digging and came back only to advise us we were on a variable interest rate. We were never told we were on a variable interest rate plan until we called in XX/XX/2018. We never questioned it because our payments only increased by very small amounts. We asked if we could move to a fixed repayment plan and were advised its not an option unless we lower the repayment period ( and it would significantly increase our monthly payment ). The rep told us on XX/XX/2018 that our payment would never go higher than {$440.00} based on her calculations. As of our XX/XX/2018 payment, our payment was {$440.00} ( and was {$440.00} again in XXXX ). Our payments continue to increase and we fear it won't end. We are tired of being lied to and tired of being tricked to believe what this company tells us. I've attached our payments to this company over the past 5 years
A few months ago I sent some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
I had about {$5.00} remaining in an old bank account I was not using. Another company extracted an {$8.00} payment from that account because they had the account information from 2 years ago and I did not realized that the credit card I had been using for auto pay for an $ 8 monthly payment had just expired. Low and behold, my + {$5.00} turned into {$160.00} of Citizen 's Bank charges. They charged me XXXX {$35.00} charges in overdraft fees and another XXXX {$7.00} charges over the course of the next 20 days. When I finally received my hard copy of the charges in the mail, I contacted XXXX and they said they 'd refund me {$35.00} but thats all they could do. Crooks!!! Stole {$120.00} from me because their policy allowed and INSTRUCTS them to do it! Never again!
On XX/XX/2016, I went to the XXXX # XXXX at XXXX. I presented their XXXX XXXX as membership evidence. And I paid {$100.00} worth of merchandise by cash. 
A few weeks later, Citi XXXX card sent me a bill of # XXXX for the merchandise. 
I was shocked. I contacted Citi directly and placed my dispute by mail asking my signed authorization. Citi emailed me on XX/XX/2016 saying they will investigate this. I wait a month and a week. But Citi did not reply about investigation result but carry this charge on their statement. 
This was face to face transaction and they needed to obtain my authorization signature on the transaction slip if I used credit card. But they did not do it because I paid by cash on the spot. This is why they do not have my authorization signature on the sale slip. 
Citi visa continuous billing for this unauthorized transaction really both me and my credit rating. This is why I am filing this complaint.
My student loan was discharged in bankruptcy nelnet is reporting to the credit bureaus that it was discharged in bankruptcy yet they send me bills and call me so I keep paying it but they are not reporting the payments to the credit bureaus. They update the trade line every month as bankrupt but do not report the payments. I have written and called nelnet and I get no response. Im worried about a negative report or that they will take some other action so I keep paying {$120.00} a month. This is extortion in my opinion and a violation of bankruptcy laws.

I filed a cfpb complaint previously about this I disbursed their response nothing was fixed and here we are 2 years later and they are still reporting wrong and extorting payments.
I have always leased XXXX 's in the past but after this I do n't believe I will. I recently returned my previous XXXX XXXX lease for a new XXXX XXXX lease. The next month I had an emergency where in my parents home country of XXXX suffered a massive earthquake in XX/XX/XXXX that brought pain and destruction to many including my family. I went to XXXX once I was able to in early XX/XX/XXXX and stayed til early XX/XX/XXXX. In the mist of buying things for reconstruction, and attending so many families home that needed some form of repair, at a local hardware store someone had stole my identity and I froze my accounts just in case. 

I completely was not thinking about everything in the mist of that moment, but since i was n't in the states I said I 'll be back soon and everything will be okay. Every other company I was in debt with understood my story and did not penalize me other than XXXX XXXX XXXX XXXX. Months stamped late were XX/XX/XXXX & XX/XX/XXXX. 

As soon as I came back i paid them in full for 2 months and they decided to care about my story. I ask that this please be removed from my credit. I ca n't believe this is still haunting me, because I 'm trying to purchase a home and those late payments really effect my score. Please help.
On XXXX XXXX XXXX I paid {$320.00} to XXXX, for internet and cable TV. This payment included an early termination fee, the current monthly fee, and was paid in full to close the account entirely. Around XX/XX/XXXX I was notified by SW Credit Systems INC that XXXX had sent me to collections over the matter of {$82.00}. I immediately called XXXX and was told by a customer representative that the charge was erroneous ( especially in consideration that we had not been contacted once about the bill ) ; I then relayed the ticket number for this erroneous charge to SW Credit Systems INC. On XXXX XXXX XXXX I spoke to another representative of XXXX who stated that the mistake was now on my part and that XXXX would not honor its previous intent of retracting the billing. As of today, XXXX XXXX XXXX, I have paid the bill to SW Credit Systems INC since it has impacted my credit. Additionally, I spoke to a XXXX representative who could not verify why this charge had been generated as an early termination fee if we had not seen any additional charges for XXXX XXXX.
Conserve is reporting an invalid account to my credit file. I 've never heard of this company until I received a credit alert from a credit monitoring service. I have never received any mail or phone call from this company. They are falsely accusing me of owing them {$650.00} for XXXX XXXX College. I have never been registered with XXXX XXXX College. In fact, the last time I was registered at any College was in 1988. Furthermore, I have no contractual obligations to Conserve. This is clearly a mistake on the part of Conserve. Because of their mistake, my credit score, as well as my life, has been impacted negatively. This needs to be resolved immediately.
I recently tried to refinance my home and XXXX open collections showed up on my credit report from Equifax. XXXX was for XXXX and the other for XXXX ( for XXXX ). I filed for Ch XXXX bankruptcy is 2009 and XXXX was included. When I saw this on my cr rpt I called XXXX and they said it was sent to collections post bankruptcy by mistake. They apologized and called the Collection Co. and reqt 'd they reporting it as a collection and close the account. I reqt 'd the Cr Bureaus to notified. But Equifax , et al, are still reporting it as a Collection but adding a note discharged under bankrutpcy. The XXXX acct was never in collections prior to the bankruptcy. It should be removed from the Collections section of my report. I have, in writing via em, from XXXX that this is the case, see attached. The second collection item from XXXX now shows paid in full, again it should never have been in collections. I have XXXX and XXXX XXXX. XXXX GA Med'l Ctr never billed my supplemental. I paid my co-pays and XXXX paid XXXX % of discounted fee, the remainder should have been sent to XXXX carrier, which was not done. I contacted to CEO office of XXXX GA and informed them of the open collection from XXXX whom XXXX GA employs as their collection agency. XXXX was ordered to show the accounts paid in full and to have them removed from collections. The accounts now show a zero balance but are still shown as collections. I have repeatedy ask Equifax & others to correct this.
Web site for payments was unavailable to make payments. The alternative was to pay by phone. I was charged a service fee of {$14.00} to use this service. Bank refused to reverse this charge even though it was their web site unavailability that forced me to use the phone service.
Visited the office of a physician XXXX XXXX XXXX XXXX TX. for a XXXX. Listened to information and was hard sold and reluctantly agreed to give my CitiCard as payment. After a few days of research and speaking to my primary physician I decided the service was not for me. I have contacted the office of the physician to get a refund which they are denying me. I have contacted CitiCard to dispute the charges providing written documentation from the physician showing I have received no services and CitiCard refuses to reverse the charges, stating that the services are available to me when I wish to take advantage of them. The key here is I do n't want this stuff in my body and I should not be forced to pay for something I do not want and have not received.
My payment was due on the XX/XX/XXXX, and through electronic payment, it was paid on the XX/XX/XXXX. My  checking account shows the money being taken out of my account on the XX/XX/XXXX. 

Four days later, XXXX XXXX sticks me with a late fee and claims it was paid on the XX/XX/XXXX. I called them, and they did remove the late fee but said to make sure it was paid 3 days ahead of the due date ( even though they took 4 days to process it ). 

Either the money is in MY hands or it is in THEIR hands, not somewhere magically in limbo. Charging a late fee because it " takes time to process '' is simply taking advantage of customers to get more money. Just because I called them out on it and they reversed the late fee does n't make it right. If it 's not in my account, then the bill is PAID!!! 

XXXX XXXX is not the only one who does this. I have had similar experiences with nearly every company accepting payments for services or credit. They all have explicit bank records showing when the money was transferred just like I do, and in this day and age there is ZERO excuse for not recognizing that date and time instead of the date it was " processed ''.