WillisBack/dataset-financial-user-claim huggingface dataset:
On the process of correcting errors found in my credit report, I found a lot of incorrect addresses and names. I sent dispute letters to all three credit bureau to fix the issue. XXXX and XXXX fix the incorrect information right away but after several attempts and proof of my right address, Experian has refused to fix this issue. The main reason in my personal opinion why Experian does not want to fix and update this information is very simple, the old accounts are attached to those addresses and names, if they where to be deleted, the old account may also be deleted. So, in turn, you will no longer be tied to these accounts and get a better credit score.
i called XXXX and Experian and spoke to a representative in regards to the 15 inquiries on my report that don't belong to me. I made it clear i did not authorized any of these inquires.The following accounts wasn't made by me and i want them to be removed. I dont understand how i have a fraud alert on my credit report but you guys cant make the necessary measures to make sure im making these inquiries.

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ( why in the world will i apply for a card every month ) XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Wells Fargo banker committed fraud by removing my automatic payment from my mortgage. They did this to earn more late fees.
Why is Equifax allowed to claim that accounts are mine when the company 's claim they have not told Equifax this and Equifax refuses to send the information sent to them by these companies. No wonder most credit reports have errors, it is like Equifax is a daycare.
I have been going in circles for almost 2 weeks with trying to get services with atnt uverse. I have been transferred over and over and no one can help me. I was told to call the ERC Collections and once I called I told them I need proof that the balance of XXXX is removed and not owed. They say they cant provide a letter so now atnt cant help me even though they were the ones who sent me there. All I am trying to do is get services. I have checked all credit reports and it 's been removed. ERC has now all of a sudden decided to make a new bogus account and today they said that XXXX should already have on file that I do not owe anything but once again I called today and XXXX cant help me so I can get services. I have informed that I have a police report that it 's not my charge, but for some reason, thats still not good enough. What other evidence do I really need to prove? They say all calls are recorded and monitored, so in that case, ERC needs to replay their recordings and hear how I have been treated. Also after being on hold for 10 mins becasue the agent said he will ask his boss can I get a letter stating I do not owe, he then came back on the phone and said no, and that he has another account number for me, so now when I use to log in ERC page before yesterday, I got a message that says the account has been stopped, now when I login it leads me to a page that wants me to start a dispute with them. This is very illegal there is no way I had a new account in 10 mins.
nothing they said they only report to the  one reporting place, I need   XXXX   XXXX   to show on all my accounts, it does on one but not all the others , please
XXXX   XXXX   ACCOUNT MUST BE REPORTED AS CLOSED BY CONSUMER. THE DISPUTE FLAG SHOULD BE REMOVED AS THE COMPANY HAS RESPONDED THAT THE DISPUTE HAS BEEN RESOLVED IN MY FAVOR. THEREFORE, MY INFORMATION ON THE ACCOUNT IS BEING INCORRECTLY REPORTED. PLEASE SEE THE COMPANY 'S RESPONSE TO THE CFPB.
XXXX XXXX XXXX {$330.00} XX/XX/XXXX {$76.00} {$56.00} XXXX XXXX XX/XX/XXXX {$440.00}
In XXXX XXXX required that I direct consolidate my loans in order to qualify for PSLF. I had previously direct consolidated my loans, but did not have any documentation. I recently found an email dated from XXXX informing me of my submitted consolidation application. As of right now XXXX will only review payments made since my XXXX reapplication. However, I have been paying my loans since XXXX and would like all my payments reviewed to determine whether they qualify for PSLF. I'm attaching the email that was sent to me in XXXX in response to my direct consolidation application.
My credit card just renewed, XXXX XXXX. The old card was on file with the XXXX XXXX XXXX. The new card was charged by the XXXX for a subscription I did not want. I checked my XXXX account and found they had an updated credit card info, i.e. new expiration date. I never gave them that info. The only other source is the card issuer, Bank of America. At the very least I should have been notified of this. I would like all future charges from XXXX stopped. The original charge back inXX/XX/XXXXwas an error. I called XXXX and was told it could not be canceled because of an automatic system. I decided to not pursue the matter it was only {$28.00}. Now the charge was made again with the new card.
Account resolution Service is contacting me regarding medical bills that were paid by insurance to the original creditor XXXX XXXX XXXX. By them selling my medical information to a second party company, they are violating my rights under HIPAA. One account is showing {$680.00}, another account is showing {$1000.00}, another showing {$910.00}
XXXX XXXX XXXX ran a credit check without my permission. On XX/XX/18 a sales rep named " XXXX '' approached me and offered me cable and internet through XXXX XXXX XXXX. I told him that I was interested as long as they were not going to check my credit. He assured me that they only needed my social security number to make sure that I didn't owe XXXX XXXX XXXX any money. I gave him my information and scbeduled an installation date. The next day I received an alert by email telling me that XXXX XXXX XXXX ran a hard inquire on my credit. I tried contacting XXXX XXXX XXXX and even Equifax, but no one wants to help me. I would like the inquire removed and to have my points back. I would also like you to know how they do their business. They go door to door offering cable and internet and give false information such as promising no credit check.
I had an Amerian Express card about a year ago which I cancled. A few months back I recieved an offer in the mail from American Express offering me a free year plus XXXX bonus miles if I put {$3000.00} on the card in the first 3 months. I called the phone number on the offer and spoke with the agent. She asked me specific questions and at no time did she ask me if I had an American Express in the past. She did ask me if I currently have an American Express card and I stated no. After a few more questions she ran my credit and stated that I qualified for the card and should be receiving my card in a certain number of days. I received my card in the mail and started using it immediately and put more than the $ amount on it required to receive the bonus miles. Last weak I contacted the company to find out why my balance was not showing the correct balance with the bonus points and she informed me that I did not qualify for the bonus miles because I had a card in the past. I stated that that was not ever discussed over the phone with me when applying for the offer. I spoke to a supervisor and received no help. American Express obligated themselves to giving me these bonus miles because i upheld my end of the bargain and never once disclosed any information from them. They are the ones who approved me for the card and mailed it to me to use. They never once called me to tell me I would not be receiving the offer promised. I therefor stopped using my other card that I would have been putting miles on to grow that balance just because I wanted the bonus miles from American Express.
There are XXXX hard inquiries XXXX dated XX/XX/XXXX and XX/XX/XXXX and neither are mine as I do not have an account nor have I ever used or applied fro XXXX service. I have reported to XXXX and EQUIFAX and they removed XXXX previous hard inquiries but these XXXX remain on my credit file. Also there are XXXX from EQUIFAX MORTGAGE dated XX/XX/XXXX and XX/XX/XXXX and I reported to them and they still have not removed although via phone they acknowledged they were not mine. I never requested any mortgage from EQUIFAX Mortgage, they say it is XXXX but I do not have a relationship nor have I requested mortgage through XXXX. I have reported to XXXX and still nothing resolved.
I was never eligible to receive a credit card before till recently yet on my XXXX XXXX it says I have an open account with CBNA since XXXX XXXX, 2017. I 've never heard of that bank ever and I got a phone call saying I have a {$3000.00} debt to pay off but when I told the operator I had no debt or card with that problem he hung up on me. Immediately I was suspicious of the situation. The pictures below show I have a XXXX XXXX card that I just got approved for and the other is the cbna which I have no idea about.
I needed to find a better rate on my student loans ( Navient ) to lower my payments. Instead, they extended the loan which forces me to pay more than I actually borrowed. I was never offered income-driven repayment plans. The options that were given to me were not fair.
this loan was discharged in my chapter XXXX bankruptcy as of XXXX 2015XXXX and XXXX XXXX refuse to delete the misinformation or report it as discharged!
I attempted to make a credit card payment for {$150.00}, XXXX payments were submitted : XXXX for {$140.00}, and XXXX for {$150.00}. I immediately called PayPal to correct the payment and was informed there is no possible way to correct a double payment. I only submitted and authorized XXXX payment for {$150.00}.
**Misleading and Fraudulent Advertisement of Chase Bank 's XXXX XXXX XXXX XXXX Chase Bank in association with XXXX XXXX issues credit cards that offers the miles for the purchases made using the cards. One such card is XXXX XXXX XXXX card issued by Chase Bank. This card charges variable APR of 16.74 % - 23.74 % with annual fee of {$390.00} ( soon to be increased to {$450.00} as recently notified by Chase ). I have this credit card the terms of benefits clearly states that the accrued miles on XXXX XXXX will not expire as long as the credit card account is active. <P/>I have accrued almost half XXXX miles on XXXX XXXX primarily using the credit card purchases but recently came to know that XXXX has blocked my mileage account and my miles are not available to me now. <P/>It is not in accordance with what Chase has promised and made customers take this credit card product and pay the annual fee with the interest charges. <P/>I contacted Chase Bank regarding this and asked them to refund the annual fee and interest charges as they are not giving me the promised credit card benefits but they refused to refund the money they charged for the undelivered benefits.
This is a complaint involving the Amtrust Bank, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. My brother XXXX XXXX passed away in XXXX XX/XX/2016. He left a small bank account without a beneficiary. The account was left in Queens Counry Bank which is affiliated with the Amtrust Bank. I am his sister XXXX XXXX, his closest relative. When I spoke to XXXX XXXX in the bank regarding withdrawing XXXX remaining savings account I was told that I did not have the proper documentation. I presented XXXX death certificate and my ID. XXXX was XXXX before the age of XXXX and was receiving benefits under my fathers Social Security number. My fathers SS number appears on my brothers death certificate because he is considered a child under federal law. I went to the social security office and got a signed document stated XXXX own SS number and presented it to the bank. This number was the number that XXXX used to open the account but it is not the number that the Federal Government has as his official identification number which is why his death certificate uses his fathers number as XXXX 's ID. I presented my fathers SS card and death certificate which shows the link between my father and brother but the banks legal department still will not allow me to withdraw the account. Even with the SS official letter and all the above ID the bank still insists that I change XXXX SS number on his death certificate to his personal number. When XXXX took out his SS number at the age of XXXX he used his nickname of XXXX XXXX which his not his legal name therefore his SS number is not even legal. When I went to the SS office they could not pull up his number and had to manually type it in to the letter. When they have put my brothers information into the computer my fathers number comes up under his name. Being the Federal Government recognizes this number as my brothers because he is a XXXX under my fathers number and because the bank has allowed XXXX benefits to be deposited into his account every month for many years using my fathers SS number, I believe they should release his bank account. I hope you will help me to resolve this issue. Thank you.
In XX/XX/XXXX I asked for my credit report and they keep changing the dates on trans union has me for XXXX XXXX XXXX balance XXXX dollars XX/XX/XXXX as this is over 7 years old or older. I dont know how something can keep showing up over and over with different dates. XXXX has me down for Social Security has me down date is XX/XX/XXXX of XX/XX/XXXX. XXXX XX/XX/XXXX should be removed an the date has been over 7 years.
This phone was never purchased or paid for by me. I signed no contract and have never agreed to participate in this contract of service and purchase contract. This purchasing party loaned the phone to me for one month and it was then returned to him. There was no.verbal or written agreement that I signed innovating me to.this debt that is several years negative and effecting poorly in my life. I request copies of the signed contract with the company mobile.
Carrington Mortgage bought my mortgage earlier this year. They increased my payment due to an increase in the escrow payment - I have no problem with that. However, I did not get notified of the increase. I always pay my mortgage electronically, and always have included more than the amount due. In XXXX, I got a notification from Carrington that they had not received my mortgage payment. I checked my bank records, and they indeed had cashed the electronic payment. When I called to enquire about why they thought they had not received it, they told me that they had increased my payment, that the amount I had paid was insufficient, and that they did not accept partial payments, so it was the same as if I had paid nothing. I made a payment at that time to bring the account up to date but told them I was disputing the {$82.00} late fee - which the Customer Service person said was kept in a separate account anyway. When I tried to change my electronic payment to the new amount, my bank said the payment was already being processed and could n't be changed, so I sent an additional {$100.00} to Carrington to cover the increased mortgage payment. I then changed all subsequent payments to the new amount. I received another letter from Carrington in XXXX saying that they had not received my payment for XXXX. Again, my bank records show that they cashed the original payment and the additional {$100.00} payment. It should be apparent that they now owe me money, as the {$100.00} more than covered the additional escrow increase. 
I have received numerous additional notifications of non-payment - every month - despite my bank showing that they have cashed the electronic payments for the exact amount required. I have tried to talk to their Customer Service, but it is apparent that the only thing they can do is take a payment over the phone. The first time I called in XXXX, they acknowledged that they had mis-credited my XXXX payments, but I still get notifications of non-payment EVERY month. I have bank statements to prove all of the payments. I have made approximately XXXX calls to their customer service, and they repeatedly put me on hold for XXXX minutes at a time. I 've even had XXXX of them ask me if I can just call back Monday - which I assume is when she would n't be working. When I ask to speak to a supervisor, they dump me into voice mail. I finally tried calling their corporate offices - good luck with finding anyone who has an idea how to resolve this without just calling Customer Service, which is useless.
North Shore LIJ Medical Center ( " NSLIJ '' ) has referred me to a collection agency for amounts that they never invoiced me. 

On XX/XX/XXXX, my daughter had a procedure done at NSLIJ. The billing was processed through our insurance, and we verified our personal information and our insurance information on the day of the procedure. 

On XX/XX/XXXX, I received a call asking me to call NSLIJ. I spoke to a representative of NSLIJ on XX/XX/XXXX and was notified that I had not paid the amount I was responsible for, after insurance payments, for my daughter 's procedure on XX/XX/XXXX. I informed the representative that no invoice was ever sent to me. I also confirmed my billing address. It should be noted that the NSLIJ representative did not inform me that there was any issue with my billing address. 

In the second week of XXXX, I received the letter from NSLIJ dated XX/XX/XXXX claiming that " Despite several bills, letters and telephone attempts we do not understand the reason why this balance is still outstanding. '' The balance noted in the XX/XX/XXXX letter is {$300.00}. No invoice for this amount ( or any amount ) was sent to me following the XX/XX/XXXX phone call with NSLIJ. 

On XX/XX/XXXX, I called NSLIJ to inquire about the XX/XX/XXXX letter. The NSLIJ representative informed me that NSLIJ had been sending notices to an address that I have not lived since XX/XX/XXXX. The NSLIJ representative had no explanation for why they were sending invoices to the wrong address ( and one that I had not lived in for 10 years ) since I verified my address on multiple occasions including ( i ) on the date of my daughter 's procedure ; and ( XXXX ) on my phone call with the NSLIJ representative on XX/XX/XXXX. The NSLIJ representative said they would send an invoice in the mail now. 

Shortly thereafter, I received XXXX invoices dated XX/XX/XXXX from NSLIJ - XXXX for {$300.00} and XXXX for {$230.00}. I paid both invoices in full on XX/XX/XXXX by phone. 

On XX/XX/XXXX, I received a letter from a collection agency - XXXX & XXXX - dated XX/XX/XXXX for {$39.00}. 

It is outrageous that NSLIJ has referred me to a collection agency for an amount that they never billed me. I repeatedly informed them that they never sent me invoices and requested that they send me invoices so that I could pay any amounts owed off of the invoices. They admitted that they were sending bills to the wrong location. They repeatedly assured me they would send invoices to me. They sent me XXXX invoices which I paid in full. Now they have referred me to a collection agency for this amount which they never sent me a bill for. 

I take great care to maintain an excellent credit rating. I do not want my credit rating to be adversely affected by NSLIJ 's mistakes and improper referral of me to a credit agency.
RMB is reporting a debt in the amount of XXXX on my credit reports. I did not authorize this account nor do I accept responsibility for this debt because it is a result of identity theft. I have disputed this debt with the credit bureaus and have sent the police report but they still continue to report this account which is very damaging to my XXXX XXXX.
I was going over my credit report and I noticed that there are several unauthorized inquires of my report. I do not recall applying for any account for business or credit. I am not sure who would access my personal information for credit or business. These transactions were not originated by me nor did I give anyone permission to pull my credit report. I already own a vehicle. The following inquiries are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am filing a complaint with the XXXX Police Dept as well.
On XXXX/XXXX/16, Nissan Finance called my home 13 times from an unidentified phone number. They did not leave any voicemails. At XXXX on XXXX/XXXX/16, I received another call from this phone number. My XXXX XXXX XXXX daughter answered the phone. The caller refused to tell her his name. He told her not to worry about and put her mother on the phone. When I got on the phone, he refused to tell me his name or the name of his company. He just kept demanding that I put XXXX XXXX ( me ) on the phone. He was n't even sure of the correct spelling of my name. I had no idea who he was and there was no way that I was verifying any information to this man and that is exactly what I told him. He proceeded to yell and scream at me, so I hung up on him. He called me back 11 times. I refused to answer the phone. I then called the number back from a different phone only to find out that it was Nissan Finance. I went through the prompts to get to their billing department and the same man answered the phone. He verified that he was the man that just called my home. I told him under no circumstances was he to call my home again. Not only did he yell at me again, but this time he decided to threaten me as well. I hung up on him once again and blocked the phone number. All of this because my auto payment was overdue. The payment was issued first thing this morning. He would have known that had he talked to like a human being. This is not the first time I 've had problems with their billing department making harassing and threatening phone calls. They called and harassed me at work over a payment that was only 3 days late. I never gave them permission to contact me at work. This kind of behavior is absolutely unacceptable and something needs to be done.