WillisBack/dataset-financial-user-claim huggingface dataset:
Please remove the following accounts from my report as they do not belong to me. I have been on the phone with your company and went over my name and address. Please remove the following accounts from my report : Closed Accounts Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit Limit XXXX XXXX XXXX, NA Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$2000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$6000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX {$0.00} 120+ DAYS PAST DUE XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$14000.00} XXXX/XXXX/XXXX {$14000.00} CHARGE-OFF {$13000.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$1000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$0.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX COLLECTION ACCOUNT XXXX IN Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Cable/Cellular Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$440.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX Status Date : XXXX Status : P - Paid Comments : Consumer disputes - reinvestigation in progress XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Banking Creditor Name : XXXX XXXX A Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$380.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX
I have a released state tax lien from the state of Georgia on my credit reports at  XXXX , Equifax, and  XXXX . The lien was filed on   XX/XX/XXXX   and was " paid satisfied and ordered canceled from record '' on   XX/XX/XXXX  (  see attached ). I understand that released tax liens can remain on your report for up to 7 years, however you can request that they be removed. I filed disputes with the  Credit Reporting Bureaus,   who stated that they need documentation from the GA  Dept of Revenue  requesting that the released lien be removed from my report - they report that the information is accurate and it is listed on my credit report as 'released. '  One  credit bureau stated that the disputed information was updated, but my credit report remained the same.  XXXX  will only allow you to dispute fraudulent information. I contacted the GA  Dept of Revenue  who advised me that they will not write letters and do not have any type of withdrawal form for satisfied state tax liens as are in other states. I would like this lien removed from my credit report. It has been paid and released for over 5 years now and I can not get any cooperation or assistance from either the credit reporting bureaus or the state of GA.
Chase is discontinuing my XXXX XXXX credit card because I did not use it for an extended period of time. I am not disputing that. My issue is they did not contact me earlier to tell me if I did not use it would not be renewed. I was never given a warning that I needed to use it or lose it. I called to state my case but was given no consideration for it to be renewed even though I used it now.
I noticed that Equifax is reporting court accounts that are not mine. I would like for them to investigate this information
I filed a dispute with  XXXX ,  XXXX , and Equifax in reference to the bankruptcy reporting inaccurately on my credit report. They stated that it was reported by the  US bankruptcy court. I sent a letter to the US Bankruptcy court o n  XXXX   XXXX ,  2016  and they sent me a letter back stating that th e US Bankruptcy court does not report to the credit bureaus, and therefore they have no control over the information contained in my report and that I may want to work w ith the bureaus directly. I Then sent a letter to   XXXX    XXXX , and Equifax on  XXXX / XXXX / 2016  advising of the letter that I received from the courthouse and they sent me a letter back stating that this has already been disputed and they will not reinvestigate and I will need to contact the courthouse. I have contacted the courthouse and provided  XXXX ,  XXXX , and Equifax with the information that was given to me and they fail to reinvestigate. It is my understanding that reporting false information is a violation of the Fair Credit Reporting Act, and by them claiming that they received the information from the court, when they did not is a complete violation and that means that false information is being reported on my credit report for the Bankruptcy and  Tax Lien. The tax lien is showing that the courthouse is the furnisher of that when clearly they are not. I called the courthouse for the information pertaining to the Tax Lien and th ey told me the same thing.
CIT bank had over {$300000.00} for almost 3 months then locked me out and now I am waiting for them to send my money back. No answers, impossible to get a reply when I will be receiving the funds. Please help.
This issue resulted from having XXXX internet service installed in my apartment. The service did not work as advertised and I was charged by XXXX to have a service tech visit my home to correct it. My entire apartment community was brand new and came pre-wired specifically with the XXXX service only. However, the connections in my unit were not installed correctly and had to be adjusted by the service tech. After receiving a bill for the the service tech visit, I made several attempts to explain and resolve this issue with XXXX and the collection agency they assigned to debt too, with no resolution.
Equifax refuses to remove an account which should have been deleted due to the FCRA guidelines. This account is beyond 7 years of the last payment made.

I request that Equifax delete XXXX XXXX account from my report immediately Equifax has reported incomplete and un-verified dates of Payments, Date of 1St Delinquency and date of last payment Equifax has the Date of Last Payment XX/XX/XXXX but list the account was not paid for 60 days on the account history Equifax has the date of the 1st deliquency XX/XX/XXXX and then has the account being 120 days delinquency on account history Equifax has not records of the amounts of these so called payments All of these things are false and have been entered by Equifax employees with out merit
I received a check from a person in CA. I deposited it into my Wells Fargo Checking account and is turns out it was a fraudulent check. I was supposed to XXXX XXXX this money to a woman I thought I could trust in CA. Wells Fargo released {$1900.00} from my checking account to XXXX XXXX. Then they determined that is was indeed a bad check. I was able to cancel all further transactions and XXXX is refunding my money. 
Wells Fargo, after many years of business with them, have decided to terminate my account due to this XXXX mistake. I have never deposited, nor tried to cash any fraudulent checks in my entire life!!! I do not believe it is fair that Wells Fargo is terminating my account. Nobody is losing any money, since XXXX is indeed returning the money. Since then, my Wells Fargo account is locked and I have no online ( or any other XXXX access to my account at all. This seems a bit extreme, especially when it was Wells Fargo who allowed the money to be transferred to XXXX XXXX before the check cleared. I had absolutely no idea this check was fraudulent!
My report is stating that the accounts is charged off and closed. The accounts that I 'm referring to is with  XXXX   XXXX   ( No  contract with ),  XXXX   XXXX  and   XXXX   XXXX  . I reached out to Transunion several times no account validation and account removal. This company is causing me financial hardships as it 's reported on my credit which is making it difficult for creditworthiness. I would like this item deleted of my credit report in fairness of my rights with the law and regulations of the FCRA.
I have a loan with PNC MORTGAGE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX  is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX XXXX.
our identity was stolen related to a sears master card, fraudulent charges were made on the card and I am getting harassed three to for times a day to pay a debt that is not mine, I have talked to there fraud department numourus times and they still send us bills and call non stop. I do have proof our my information was stolen on a copy of a statement with an erroneous address and phone number with my name, this all started XX/XX/XXXX.
Experian is taking a XXXX on me and their subsidiary, CFPB since XXXX. 
They ignore my requests to show me my credit report because they messed it up, and my credit score too, and CFPB is doing absolutely nothing to compel them to comply with the law.
I received XXXX phone calls within XXXX hours about a debt that I have apparently owed for over XXXX years but have not received any mail notification of at my present or prior address and have not spoken to anyone about until the first phone call last night where I felt attacked. I was threatened to have to pay almost {$1000.00} by Friday or they are going to continue with legal action. How is this right?
Re : American Airlines Credit Card Acct # XXXX XXXX XXXX XXXX I contacted this company regarding this account as I have not received a statement. 
The person who did not give a name or employee number said the account was closed in XXXX  2018. I have no statement to advise me what if anything, I owe. 
I have no statements for 2018 at all. Please help me get to the bottom of this situation. 
Also any negative information reported to the credit bureau should be deleted. 

XXXX XXXX ( XXXX ) XXXX
I recieved an installment loan from spot loan. I lost my job and not beem able the pay a lafy by yhe name of XXXX XXXX who said she was a CPA with XXXX calling om behalf of spot loam has beem calling friends and family members discussing my debt and telling my friends amd family memebers that they will suspend my registration for my vehicle are they allowed yo discuss my information?
On XX/XX/XXXX, I sent a certified letter requesting validation of the debt. I did not receive any correspondence from this company. Also, I sent a follow up letter on XX/XX/XXXX and I did receive a letter from them however it did not provide validation of the debt as requested nor within a reasonable time frame. Now I have been receiving letters in the mail requesting that I settle the debt however they have not provided me with validation of the debt they claim I owe.
My loan has been in some sort of weird status for over 7 years. There are several issues here. One, in dealing with SPS, they have claimed to be 'working ' with me for many years, however no matter how many documents I send to them they respond by saying they always need more documents, even the ones I have sent repeatedly, and it goes nowhere. The main problem is the loan itself, and how I can go about disputing the entire loan. If I can not work out this issue, where they constantly call saying I am deliquent, or saying they have turned it over to a lawyer, or that I am facing foreclosure or I need to sign short sale paperwork, then I need to fight back against them.
I had two student loans from XXXX XXXX which were serviced by Navient. In XX/XX/XXXX i filed chapter XXXX bankruptcy receiving a discharge in XX/XX/XXXX. From that point forward, Navient has made a breve of errors in reporting both student loans incorrectly. I have made over 15 disputes from contacting them directly and filing disputes through each credit reporting agency. However the problem continued to persist. I have been extremely clear in the accuracy of reporting these items and provided XXXX XXXX guidelines when disputing. I am aware that the student loans were not dischargable in my bankruptcy but my complaint is based on the Credit Reporting. Navient, and each bureau, have violated Fair Credit Reporting Act, US Bankruptcy Code, Fair Debt Collections Practices Act and state law in California called the Rosenthal Act by failing to appropriately report AND investigate my complaint. By Navient continuing to report my balance as charged off and not included in the bankruptcy, they effectively reported my tradeline incorrectly. Furthermore, I continued to pay my loans as best as I could and in XX/XX/XXXX I settled both loans with Navient by offering a payment amount less than the full balance, whereby they accepted both offers. Both payments were issued and the debt had been settled, however, these trade lines continued to show the account being Charged off with a balance. After 6 months of additiona disputes and conversations, Navient indicated they would revise their reporting to indicate my balance owed as {$0.00}, and contain comment/remark to state the " acct settle for less then full balance '' The tradelines as of today, continue to report Incorrectly and have been damaging my credit. Federal law poses insurmountable hurdles to bring a private Right of action for these continued violations whereby creditors would be statutorly fined at least {$1000.00} per month each tradeline failed to be cor correct after notice. Therefore, the Government has placed a protective shield around these servicers whom continuously violate my consumer rights. Over 2 years since I 've settled and paid for these loans, Navient continues to damage my credit because they simply refuse too. Please get this corrected and allow me to sue Navient for its willful behavior.
I applied for mortgage assistance in XX/XX/XXXX with Chase. I am now in the 9th month with no resolution. I have answered the same questions over and over. I have sent all requested paperwork in duplicate and triplicate. I have spoken with them weekly to resolve any issues. 

When I called to check on my loan status in XX/XX/XXXX, I was informed that I had already called in on XX/XX/XXXX to cancel all activity on my loan and that I was no longer interested in a loan modification. I did not talk with anyone at Chase at all on that date. Since all calls are recorded, I have requested to hear the recording of this call. My case was closed. After escalation of my complaint and transfer to another department, the account was supposedly reopened, however all documentation would need to be resent. So we effectively started from the beginning. 

Chase can not be this accidently inefficient. My application is clearly being treated in a delaying and fraudulent manner. Each time I call I speak with a different representative. I have been assigned at least 4 Relationship Managers ( Ive spoken with one ). I received 2 copies of my appraisal in XX/XX/XXXX one day apart, and another copy in XX/XX/XXXX. Letters are erratic, stating that information is complete and then it is not.

In summary, I have been shuffled around from department to department, talked to multiple people making duplicative requests, sent and resent income documentation multiple times, been driven into default due to inability to finalize refinance request, been told that my refinance request was closed, claiming I called and requested they do so, been denied recording evidence of my call that the refinance request be closed, been offered reinstatement of the refinance request ( in XX/XX/XXXX ) with a non-committal expectation to have a final response on approval within the next 30-45 days ( the same time frame provided at the time I opened my initial request 9 months ago ), been offered no further apology or admission of fault. 

I would not be in this position at all if I had not been advised by Chase back in XX/XX/XXXX that a home equity loan would be better for me than my requested conventional mortgage. ( It would then not be qualified for the automatic loan modifications that followed the XX/XX/XXXX recession. ) Recent Chase advice specified that if I did not qualify for modification under this current application, I would need to be at least 4 months in arrears before looking at other options. Since the loan process would be completed within a 45 day period ( per Chase ), I stopped making payments on the property to cover this possibility. Now 270 days later, my credit score has dropped and affected my relationships with other financial institutions. 

The treatment I have received from Chase has had a huge negative impact on my life. I need this situation resolved.
I have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX   and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX  failed to do.
On XX/XX//19, I posted on XXXX looking to buy tickets for a concert in XXXX, TX. I received a direct message from XXXX user @ XXXX saying he had tickets and to name a price. I offered him {$40.00} USD and he accepted. I initially asked if he had XXXX but he said no, and told me to send the payment through PayPal instead. I sent {$40.00} USD to XXXX and since the payment was not instant, he asked me to send the payment again. I asked for a refund of my original transaction and a screenshot for proof. He provided the screenshot of the processing refund and said it would be available in 1-3 business days. 

When I tried to send {$40.00} USD a second time, the PayPal website started glitching so he told me to use the mobile app instead. I downloaded the app and when I went to start the second transaction, PayPal informed me that the recipient would be receiving the payment in XXXX XXXX dollar ( NZD ) which is suspicious considering the concert I plan to attend is in the United States. I told him I was no longer comfortable making the transaction to which he responded : " oh its because my paypals a business paypal lol i have a lot of currencies on it ''. I told him that this was sketchy and I was no longer interested, and he proceeded to block me on XXXX.
1, On XXXX XXXX, 2016, I was denied application for a mortgage prequalification by GuaranteedRate.com. I am on XXXX and the agent said that I had to guarantee benefits would continue for three years, ( clearly a violation of the Fair Housing Act and the Equal Credit Opportunity Act ), though I did not know this at the time. I asked why a loan would not be underwritten even though I had a XXXX benefit letter to present. He said that the three years continuation of benefits was the company policy. 

2, On XXXX XXXX, 2016, I called XXXX XXXX to inquire there about obtaining pre-qualification. The same occurred, the officer articulated the guarantee of three-years of future benefits policy almost word-for-word.
I WORK FOR COUNTY OF XXXX XXXX. I HAD AND CONTINUE TO MAINTAIN FULL MEDICAL INSURANCE.
COLLECTION CONSULTANT OF CALIFORNIA ARE WRONG AND INTENTIONALLY ATTEMPTED TO AVOID MY REQUESTS.
I tried several times previous to provide all my insurance information. Because I see no difference to my DEROGATORY MARK, I believe that my medical information was intentionally hidden, AVOIDED, or ignored. Yes, my insurance was provided. As I work for the county still. Why are they intentionally avoiding my medical providers and my insurance? I forwarded all my medical information, plus medical insurance copies through CFPB. Reporting this as an intention by the collector to defraud a consumer : by extending a clients medical history insurance information and having it voided later.
I attempted to apply as a driver for the XXXX app XXXX on Thursday, XX/XX/XXXX. I consented to a routine background check that was to be conducted by the company Checkr. 
I received three emails on the XXXX from Checkr, which contained documents including a summary of my background check, fcra summary of rights, and several state laws pertaining to the legal handling of background checks. 
Upon the receipt of these summaries, I noticed an error in the reporting of my current address and license. My address was listed with an XXXX  zip code, where I have lived previously. My address since XX/XX/XXXX has been in XXXX. My license was listed as expired ; I was issued an XXXX  license in XXXX that is not set to expire until XXXX. 

I sent an email with the subject line 'Incorrect Background Check ' to XXXX on XX/XX/XXXX to detail the error on my background report and to request an update to my summary. I did not receive a response about this e-mail. 

I received an email with the subject line 'Post-adverse action notice - XXXX ' from XXXX on XX/XX/XXXX which contained this message : Mon XXXX XX/XX/XXXX Personal & Confidential Dear [ my name ] We are writing to inform you that we are declining your request for an engagement. Checkr, Inc., a consumer reporting agency, provided the Company with a consumer report in connection with your proposal to enter an independent contractor relationship. The Companys decision to deny your proposal was based in whole or in part on information contained in that consumer report and an individualized assessment of any additional information that you provided us. 

The Company considered these specific items when declining your request for an engagement : LICENSE STATUS : EXPIRED Checkr , Inc. is located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX and can be reached at XXXX or https : //checkr.com/applicant. Checkr, Inc. did not make the decision to take this action and can not provide you with information about the Companys decision. Any inquiries regarding that decision should be directed to the undersigned. You, nevertheless, have a right to contact Checkr, Inc. to dispute any information in the consumer report that you believe to be inaccurate or incomplete. You should already have received a copy of the consumer report, but have a right to obtain additional free copies from Checkr, Inc. You have 60 days from the date you receive this notice to request additional free copies of any such reports from Checkr , Inc. 

Thank you for your interest in the Company.
On XXXX/XXXX/XXXX, I called Equifax to remove inquires that I did not authorize. I spoke to a US rep who after explaining to him the situation he advised me that XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX would all be removed. After a couple days I checked my report and the items were still there. I called back on XXXX/XXXX/XXXX after sitting on hold for over an hour I was connected @ XXXX I spoke to a US XXXX XXXX in the XXXX XXXX XXXX by the name of XXXX XXXX who advise me that she wanted to apologize because the gentleman only placed these inquiries under dispute but seen his notes and would be sending my file to a specialist team to have the inquires removed since they were suppose to be done on XXXX/XXXX/XXXX because they were inquiries I never authorized and had multiple problems with getting the companies to send a Deletion Request sent electronically. On XXXX/XXXX/XXXX I received a letter showing that XXXX XXXX was the only one removed. That all the others were factional after I had been told now on multiple occasions they would be removed. I am extremely frustrated with this agency and ca n't believe how unprotected we are in consumers. That the agency who holds my life in their hands I literally can not TRUST. None of these agency had my authorization to pull my credit being the loan was suppose to be pre-approved.