WillisBack/dataset-financial-user-claim huggingface dataset:
I am puzzled as to why your company continues to report errors on my report. 90 days ago I sent in an FTC Report showing my claims along with several documents. I called back to follow up and was told that maybe my documents have gotten misplaced. This is how credit breaches are formed and just recently I found out that my information was leaked in a past breach. This current dispute is being sent to you as an internal dispute and as well as an affidavit. Well this isnt the first time that this has happened to me. Well Im hoping that this is reviewed by a supervisor and not some careless person or robotic computer. I have attached a few documents down below.
PSLF employment certification being denied. Form gives option to submit XXXX as proof of employment, servicer is demanding supervisory signature. There is not a central HR office with the XXXX. For employment verification we use my workplace. In addition to XXXX, I submitted the employment verification letter and 10 years of XXXX employment records forms. They said it's not proof of employment.
As a result of ACS ( student loan company ) not taking care of not removing an erroneous late payment my credit score went down. Even though my payment was made XXXX weeks before the due date and after speaking with a representative from ACS, they failed to make the necessary adjustment to my account but instead reported to the credit reporting that my payment was past due. In addition, when calling ACS you are put on hold for XXXX minutes to almost an hour before a representative comes on the phone.
Hi I am contacting you in reguards to my XXXX Equifax and XXXX credit reports because they are showing fraudulent accounts and credit inquiries that do not belong to me and I would like them removed as I have been contacting these companies none stop trying to get this resolved but have had no success in getting these items removed so I am seeking your help. Let me first start by saying my name is XXXX XXXX XXXX XX/XX/XXXX and I reside at XXXX XXXX XXXX XXXX ny XXXX and I am a victim of identity theft and my police report is inclosed in this letter. I would like everything below to be deleted from my credit report because it is fraud and someone stole my identity I have already notified the IRS and local authorities. Here is the list of items that are fraudulent Accounts Here 's every account on your XXXX report. Click on the account name for more details. 

See an error? 

You can submit a dispute without leaving XXXX XXXX. Look for Direct Dispute in the details of the account. 
CREDIT CARDS XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$370.00} Closed OTHER LOANS XXXX/XXXX Reported : XX/XX/XXXX + {$220.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX/XXXX ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX/XXXX ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX + Department & Variety Stores ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX  ( XXXX  ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX/XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX  ( XXXX  ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX/XXXX ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX Reported : XX/XX/XXXX +  {$2700.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$730.00} Needs Attention Please remove all these items from my report because they are fraudulent and do not belong to me.
my credit report states that my loan was late making my credit negative, I was in forbearance each time that it states I missed a payment.
In XX/XX/XXXX I sent a request for validation of debt to weltman, weinberg, and reis. XX/XX/XXXX I received a packet with a letter and copies of some payments. The letter says XXXX XXXX XXXX sold my loan to regents bank and then to XXXX XXXX XXXX. I see nowhere as to why weltman, weinberg, and reis afe attempting to collect this debt. I never received a notice my loan has been sold  not just once but twice. There is no documentation that shows when the loan was sold nor documentation as to the current collector is legally allowed to accept my payments and apply them to my account. Weltman, weinberg, and reis did not provide complete and accurate information on any of the requested  information. College student loan, regents bank nor XXXX XXXX  has ever notified me of any changes of any kind. No documentation shows my signature. This loan shows a disbursement date of XX/XX/XXXX.
Despite meeting payment arrangement and paying earlier than agreed Ditech harasses us over the phone and by knocking at our door! 
It is unacceptable to have this company abuse its clients by unfair practices. They agreed to a payment arrangement, payments were made and paid balance due before agreed date. They have knocked at my door twice leaving nasty messages. Balance due was paid last XXXX XXXX. Today XXXX XXXX someone knocked at my door and left another nasty message. WHY? UNACCEPTABLE!!
I applied for a XXXX card. It had an introductory offer of XXXX miles if XXXX dollars was purchased on the card within the first three months. I did this and redeemed my miles. This card also had an annual fee. I paid all outstanding debts and I cancelled my card prior to the annual fee taking effect via a phone call to the credit card company. I was assured by the operator that I would not be charged because I cancelled within the time frame prior to the fee taking effect. The credit card company has since changed owners and is now a Master Card and is operated by XXXX. For the last 2 years or so I have been receiving bills for the annual fee. I have made several phone calls to customer service explaining that I am being mistakenly charged and am always assured that the mistake will be corrected but I continue to receive bills. I was recently inquiring about taking a second mortgage on my apartment when it was brought to my attention that my credit score had lost about XXXX points since the last inquiry and that it was due to this issue with the outstanding credit cared payment. I have always had excellent credit and always pay my bills so this is very bothersome to me. I believe that the credit card company intentionally refused to fix their mistake hoping I would pay a fee that was incorrectly placed on my account. I would appreciate any help available to fix this issue. Thank you.
Springleaf changed it's name to OneMain that's when all the problems started. I have my payments/ {$80.00} automatically debit at the beginning of the month. OneMain is reporting late payments for  XX/XX/XXXX and XX/XX/2018 which is incorrect, since I have my payments automatically debited. I've contacted OneMain several times regarding the late payments that's being reported on my credit reports.The customer service representatives are not very customer friendly. Can someone help the consumer please. Also if you google Springleaf/One Main complaints you can view hundreds of complaints of UNsatisfied customers. Thank you.
I have been contacting Trans Union for several months now about the XXXX that is showing on account for XXXX on my credit report. The account remarks are stating Chapter XXXX but I never filed bankruptcy. I contacted Trans Union and they sent me a letter that the remarks were not showing but they were. I even contacted the XXXX and asked them did they send this information to the bureaus and they sent a response letter stating no and often times the credit bureaus report inaccurate information and I should reach out to the governing authorities about the situation. I have the letters attached.
I was denied an apartment with XXXX XXXX Apartments ( XXXX XXXX ) on XX/XX/XXXX based on a decision from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX gathered their alleged information from Lexis Nexis.credit Bureau that the information pulled from was XXXX. On XX/XX/XXXX I placed a suppression and freeze on all Lexis Nexis files. 
Due to suppression/freeze placed on files this erroneous information should never have been reported which in part led to my application being denied.
Sent Ally letter asking that late payments be removed as we did not agree with late payment reports, they mailed back letter saying they would not change anything they agree with what was reported, after I sent letter they locked me out of my online account so I could not get in and make my payments, when you call you have a hard time getting someone who speaks or understands English. They always say we will look into it and get back with you but nobody ever does.
Hello I have a loan serviced through XXXX that is a private student loan, it is current. However, the loan was sold and re-sold from XXXX to XXXX to XXXX bank and is back at XXXX. 
The law office of John Bonewicz ( XXXX ) Persists in calling my friends ' parents to get in touch with me.I have never resided at this address or provided this phone number as a contact number. They refuse to acknowledge that they called my friend 's parents number, a number which I do n't even know. When I called to indicate they should delete all contact numbers aside from my cell phone they refused to do so unless I acknowledged that I owed them a debt. I do not in fact owe them a debt as my loan is current and serviced by XXXX, when I spoke with XXXX they indicated that they never authorize 3rd party collection calls. 

I 'd like to know how to get them to stop calling. 

thanks, XXXX
I HAVE AN ACCOUNT FROM  XXXX   XXXX   XXXX   XXXX  SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT. I HAVE CONTACTED EXPERIAN IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT.
I purchased XXXX postcards from XXXX for advertising my company. I was charged for XXXX. I never received an invoice or any sort of bill. My bookkeeper saw the charge on the statement, is how we found out about it. They charged my credit card without any authorization. They must have kept my credit card # from 6 months ago when I purchased XXXX cards. I have purchased XXXX cards from them at least 2 times prior. I have always bought the same amount. The account representative whom I dealt with left the company shortly after this. What I suspect happened is that she had my card billed so that she would receive a nice commission before leaving the company. I disputed it with XXXX XXXX XXXX and they denied my claim. XXXX XXXX XXXX claims that XXXX will not communicate with them on this matter. I had my attorney write a letter to Chase and they closed the dispute and will not communicate further with my attorney. XXXX XXXX XXXX says that I received XXXX therefore I owe the money. I never signed for XXXX cards. XXXX had no authority to charge my card, and I never received the XXXX cards. Chase does not want to be responsible for the charge.
I disputed with SageStream ( XXXX 2016 ) inaccurate addresses, phones, and account information that they are telling the major credit bureaus. As of today, SageStream has not investigated and responded within the 30 days allowed. SageStream caused me to be denied credit at XXXX XXXX to purchase a phone for the XXXX holiday for my child because of all of the inaccuate addresses, phone numbers and credit transactions. They put a security freeze on my account instead.
I took out a loan with XX/XX/XXXX to purchase a vehicle in XX/XX/2008.I recently ordered all three reports and noticed they were reporting to that i had a number of late payments .I contacted XXXX in regards to this matter because I after the vehicle was paid in full I received a letter and a refund stating the refund was in regards to them reviewing my account and the refund was for late fees and was assured they would correct with reporting agencies. All I also disputed the late payments in XX/XX/XXXX without any luck.I feel they are reporting falsely to the credit agencies and I have no luck trying to resolve.
In 2013 my ss # and name were used by my daughter who is over XXXX to obtain a card in my name. We have the same name. It was mailed to her. I was not aware of this. Total amount is {$480.00}. To XXXX. Ii am on XXXX and am trying to get my life together after a emotional loss. I ran my credit report and this showed up with a XXXX XXXX XXXX bill and XXXX medical bills to a XXXX XXXX and XXXX. These are her debts and I can prove it. She is now will to take responsibility for her debts. I need these removed from y. Credit report. Plz help me resolve THIS! Thx you.
On XX/XX/2018 sent certified validation letters to XXXX to verify debt of {$450.00}, {$36.00}, {$740.00} from XXXX XXXX
Synchrony has unethical practices by lowering credit limits to good paying customers. I contacted Synchromy on XX/XX/XXXX to request an explanation as to why my account limit was lowered negatively affecting my credit score. Agent was outside of the US and couldn't understand me and transferred me to an agent in the US. Agent in the US offered to close my account which I did not agree to. A month later I received a card that my account had been closed.

I contacted company on XX/XX/XXXX and XX/XX/XXXX to get a response as to why my account was closed. Both agents stated that I had requested to close.my account. However, I never agreed.to have my account closed. When I had previously called synchrony I discussed with agent option to close, but never agreed to close account because call.dropped. synchrony closed my account without reading the appropriate disclosures to me or getting my statement recorded. 

This company has negatively affected my credit after I have been a good paying customer. Their practices as harassing and deceptive.
In  XXXX  we received a letter for  XXXX  stating that we had applied for an  XXXX   XXXX   XXXX  card. We had not. We called  XXXX  and they blamed us by stating that we 'clicked a button ' at  XXXX  that initiated the request. They told us that they would close the request.     Last week we received another letter from  XXXX  that has exactly the same information. Today I pulled my credit report and am shocked to see that  XXXX  has continually been running credit inquiries. These inquiries have brought m y credit score  down.      The inquiries from  XXXX , which I did not initiate, were on these dates :  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  I would like help to have those inquiries removed from my Credit History since I did not initiate the requests. In fact, I checked with  XXXX  and in order to initiate the request an application must be filled out. I never filled out an application because I have no interest in having a  XXXX  Credit Card from  XXXX . Thus this is a repeated fraudulent request. Can you assist with resolving this so that my  XXXX  History is fixed and does n't continue to drop?     Thank you.
When I checked my credit score I was taken back by how low it is, a further looked showed me that I have been sent to collection for a hospital bill from the XXXX XXXX XXXX Hospital. I have NEVER been seen by a doctor there! Nor did I ever receive a bill from the XXXX hospital or the collections agency! The Bill is for {$290.00} I haven't been able to receive any information about what it is for and why its at collections. It terribly hurting my credit score, and I don't think its right to have to pay a hospital bill you when have never been seen by a doctor there. I was never sent any bills or " last warnings '' I was only made aware of said debt when I checked my credit score on XXXX XXXX.
This is in response to my original complaint case # XXXX submitted on XXXX/XXXX/15. On XXXX/XXXX/15 XXXX XXXX from Wells Fargo left me a voice mail message on my cell phone letting me know that he is working on my case. My wife called XXXX XXXX back on XXXX/XXXX/15 providing her contact details if any additional information is needed for this complaint. XXXX XXXX never called my wife back. On XXXX/XXXX/15 XXXX XXXX left me another voicemail message stating that he needs additional time to research this issue. He stated he anticipated it would take no longer than XXXX/XXXX/15. On XXXX/XXXX/15 I also received an email from the CFPB stating that Wells Fargo has responded to the inquiry. I checked the update and was not happy as it stated that Wells Fargo has not been able to establish contact with me to discuss the correspondence. Additional time ( XXXX days ) is required to complete the research on this issue. I immediately called XXXX XXXX and left him an extensive voicemail in regards to the issue and that I had asked my wife to call to determine if any additional information was needed. We never heard back from him until he called again stating he needed additional time to research. 
We are creating another complaint as I do not plan on going through the same process with Wells Fargo as I did with the loan modification process. 
Wells Fargo has caused enough damage to my life financially and future possibilities to obtain credit. Additionally, they have put me through enough stress, that the least they can do is handle this situation correctly. 
I have attached a time line document with notes that were taken through out the process, letters and faxes that I sent to Wells Fargo during the loan modification process.
I had a online payday loan with XXXX a few years ago after making several payments, I fell behind on making payments. I started to get harassing phone calls at home, work and also friends and family started getting calls regarding this loan after a while they stopped. On XXXX 2014 I noticed a collection on my credit reports from XXXX XXXX XXXX for {$1300.00}, they never sent me any paperwork validating the terms of this loan or the amount owed. I only borrowed {$500.00} and I paid most of that back.
The credit reporting company has been trying to address this for months yet the bureaus refuse to do anything other than reiterate they will reach out to the reporting company and update accordingly yet they have yet to do so.
Unwilling to accept past due payments and repo fees. They will only accept full pay off of the loan and refuse to hear circumstances surrounding past due amount.
I was referred to open a checking account. Both myself and the referrer are to receive a {$50.00} gift card after the account was opened and a direct deposit was made. When I inquired about receiving the gift cards I was informed tat I would nit be receiving them since I did not complete 5 debit card transactions within 60 days. The {$50.00} gift card was a referral bonus to open a checking account which was completed and funded.
Since 2009, I have been requesting that Transunion add my XXXX XXXX account to my credit history as it is main credit card. When I make a dispute regarding this missing entry they tell me to call XXXX XXXX and tell them to report it. I have repeatedly done so and XXXX XXXX has been reporting it over the past 8 years every 90 days. I have cooridating several calls between Transunion and XXXX XXXX and they agree to report it on the phone and tell me to wait 90 days for it to appear, which it never does. As a result of them repeatedly denying this credit entry my score is XXXX point lower than the other XXXX credit bureaus and I repeatedly get denied for credit. Most recently I was apply for XXXX XXXX to help pay for medical procedures/bills and was denied because they only check Transunion. I can not get Transunion to cooperate. Thank you.
I received a call from XXXX XXXX. The XXXX XXXX. representative started the conversation by stating my name and asking if that was me and then said " I have your social security number ending in XXXX '' and asked if this was correct. I told him I would not verify that until he told me what this was about. He said he knew my whole social security number and proceeded to rattle it off. Again, I told him I would not verify it until he told me what the call was about and he said he would n't tell me what the call was about until I verified my social security number and then he hung up. I called the number from caller ID back, and after being told they have no record of my phone number I asked to be transferred to a manager. I was told by the " manager '' that they were calling about a Discover Card. I told her I did not have a Discover Card. She told me they were calling about a debt from 1996. I told her that debt was written off a long time ago and that they were way beyond the 7 year statute of limitations and that they were clearly a scam at which point the " manager '' told me " we 're about to come after you '' and then hung up.
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 are listed below. 
XXXX {$410.00} OPENED XX/XX/XXXX XXXX {$350.00} OPENED XX/XX/XXXX XXXX {$820.00} OPENED XX/XX/XXXX XXXX {$450.00} Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Harris & Harris continues to robo-call me to tell me I owe a debt that I paid on-line on XXXX/XXXX/2014. I have phoned them TWICE with my confirmation number proving payment and asked them to stop calling me. Yet I get one phone call a day from them. Yesterday I received a letter from them telling me that they are reporting me to the credit reporting agency.
As of a result of a XXXX settlement between 31 state attorneys general and Experian, XXXX, and XXXX, who together created the National Consumer Assistance Plan. The plan which went into effect in the second half of XXXX was designed to limit credit reporting errors that negatively impact scores. The settlements prompted the credit-reporting companies to take away some non-loan associated gadgets that have been despatched to collections companies. The companies additionally agreed to take away medical-debt collections which were paid by a affected persons insurance coverage. 

I have requested for both XXXX and Experian to enforce this settlement, as it relates to my reporting of Non-Loan, ( specifically XXXX XXXX ) and the one medical dept listed ( XXXX XXXX ), as it was paid by my insurance at the time, however they decided to Balance Bill the difference, which is illegal. - I am again requesting both XXXX and Experian enforce this settlement and remove these 2 items.
On XX/XX/XXXX, I sent a letter to the credit bureaus asking XXXX and Trans Union to correct errors on my credit report. Almost 60 days have passed, and I have not received a response yet.