WillisBack/dataset-financial-user-claim huggingface dataset:
I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX. Address indentification number : XXXX, Single family XXXX
Hello, I once received a credit card from XXXX that I never ordered. I spoke to XXXX and the supporting institution XXXXXXXX XXXX and they determined the transaction was fraudulent, reverted the charges, and closed that account. 

The problem I report today is that XXXX checked my credit score and that is reflected in my credit history and I would like for that to be removed because it is affecting my credit score. 

I post the details of the report below. 

XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX, FL XXXX ( XXXX ) XXXX
I have complaint file complaint stating my score is not being calculated properly Equifax especially has several hard inquiries that should not be on my report this has been on going I barely have credit and they are not updating my report as they should these agencies has been a detrement to my life. 

I need XXXX and Equifax to remove all old inquiries I have a XXXX XXXX limit on my XXXX that is not being reported by XXXX or Equifax
I bought a laptop, and applied for a new credit card with Citibank. I received one statement, and just before paying it ; my daughter indicated that it did n't work. Several of the keys did n't work. I took it back, and had a difficult time returning it. I had to wait for 30 mins while they tried to adjust the settings. It was beyond the return period, and I did n't have the packaging, so the store refused to return it. 
They directed my complaint to the manufacturer, and I refused to hassle with that. 
I left the laptop there. IN the meantime, I did n't receive another statement, or anything else in the mail from either XXXX, or the credit card company, ( Citibank ). 
I received a call from Citibank about 2 weeks ago, and when I got home, I called to dispute the charge. I looked for any add'l documentation, and have only received the initial statement. I have it on file, and see that it reflects a TOTAL balance due of {XXXX}. I just confirmed with CitiBank that they have n't sent any add'l statements and they the balance they are trying to collect is {XXXX}. I have closed the account, and had filed a dispute that I owed anything to them. I initially filed the dispute, over a phone call on XXXX XXXX. I received a collection call today, XX/XX/2017
they have calling me time and time again even when I have told them not to call me any more.
My credit card is automatically debited each month for access to my credit score BUT when I try to access it they are indicating I dont pay for that service when in fact I DO. I want proper access OR a complete refund for payment of NON- service. I have checked online for the monthly amount to verify what they charge for this service. It is still the same. I have NEVER received ANY notification indicating I can no longer receive my score.
I have a loan with PenFed. 
I have paid off the loan. The loan company keeps charging Insurance cost, and refuses to properly refund. I am so sick and tired of this company. They have been a total nightmare to work with. If you look at their XXXX rating, you can see that have many negative reviews.
I opened an account XXXX/XXXX XXXX on XX/XX/XXXX and amount on the account was maxed out at {$1000.00} for a purchase made for {$1500.00}. I paid {$590.00} and the XXXX card was for {$1000.00} which was the limit. It was disputed to the Credit bureaus on XX/XX/XXXX and my credit score dropped down. I made payments 0n XX/XX/XXXX for {$300.00} then on XX/XX/XXXX payment of {$300.00} and on XX/XX/XXXX made a payment of {$100.00} showing a balance of {$300.00}. As of XX/XX/XXXX the XXXX/XXXX XXXX  account on both XXXX XXXX and Equifax show that account with a balance of {$1000.00} and no payments having been made. My credit score has not changed. The XXXX Card shows that I have a balance of {$300.00} and three payments made. That does not show up on my credit reports. I have refinanced my mortgage with XXXX to XXXX XXXX and there is no record of that. XXXX was closed on XX/XX/XXXX and the new mortgage with XXXX XXXX does not show up. Why are the Credit Bureaus so quick and lower your scores but do not seem to correct them as soon. Thank you for any assistance.
All of this started XX/XX/XXXX when I decided to check my credit scores via XXXX XXXX. I discovered that my TransUnion score had dropped 30 points!! I panicked and immediately called Transunion and had my account frozen, thinking I could have been a victim of some kind of fraud. Because of this, I ended up freezing all of my accounts with the credit bureaus. I was able to figure out that XXXX had decided to close my store card, without any communication, four years after opening the account. I never had a store card before and I did n't even know this was something that could have happened. Since then I 've called both parties multiple times, launched countless investigations, and even wrote letters to XXXX directly. Still to this day my TransUnion credit report states that my account was opened XX/XX/XXXX and closed XX/XX/XXXX. In reality my account was again, closed without any communication, XX/XX/XXXX! XXXX XXXX has launched investigations and claim that there 's nothing more that they can do. That TransUnion is just reporting the information inaccurately. And Transunion claims that they just report the information that they are given. XXXX is now reporting the correct information and I 've even told TransUnion this. Still have gotten nowhere two years later. I never would have imagined they would have been so difficult to get somebody to do the right thing. Not only as what is being reported a lie!!! But the time being reported does n't even make sense as far as " closed due to inactivity '' or any other reason for that matter. I have no faith in the credit bureaus and I will never shop at XXXX ever again. Please help.
cra violation must remove violation of my rights idthft victim po report send hpd inquires are not mine
This complaint is in regards to Square Two Financial. Refer to CFPB case number XXXX regarding CACH, L. L. C. Square Two Financial has utilized my entire social security number to include date of birth on the pfd document listed with this complaint. The initial complaint was with CACH, L. L. C. and not Square Two Financial. This is in breach of the following : 1. Identity Theft Assumption and Deterrence Act of XXXX 2. Privacy Act of XXXX XXXX. Social Security XXXX 4. XXXX Privacy Act-which carries a maximum XXXX fine for each calendar cap year. 
5. Breach of Title XXXX, XXXX XXXX XXXX XXXX under XXXX and XXXX The solution is to have CACH, L.L.C handle this correction and not Square Two Financial. Two Square Financial submitted the XXXX XXXX XXXX with their subscriber name on the form listed on CFPB case # XXXX they are rendered liable in this matter. In addition, there is an account number associated with this Universal Data Form and they could use that account number instead of a SSN and DOB which is against XXXX XXXX XXXX This is also includes removal of the XXXX XXXX Form off of CFPB case # XXXX listed as a pdf document attached to this case number. Square Two Financial was contacted at XXXXXXXXXXXX as of XXXX/XXXX/XXXX by e-mail in regards to this matter. In addition, all of my information is not for sale and distribution via fax, fax-scanned, copied, stored in a retrieval system, recorded, transmitted digitally or electronically without my expressed written consent. This information is protected under copyright and publishing laws of XXXX XXXX and XXXX XXXX. This information is protected under the XXXX XXXX XXXX XXXX XXXX under the freedom of speech under XXXX XXXX XXXX to include the Uniform Commercial Codes XXXX and XXXX. These rights are reserved world wide.
hello I pay my bills off in full every month.     From m y  XX/XX/XXXX  statem ent, I owed {$1100.00} and made paym ents of   XXXX   XXXX  , 2017 : {$1 20.00}  ( before due date )   XXXX   XXXX  , 2017 : {$35.00} ( befo re due date  )   XXXX   XXXX  , 2017 : {$990.00} ( after due date ) for a total of {$1100.00} This does not include returns also.    Even if you go by their premise, they are charging me {$10.00} for what?
I purchased a internet connection device that never had sufficient signal strength to allow me to use my computer with it. XXXX showed no signal in this area, they should have never attempted to connect me to the service. I cancelled the service with their customer service and in writing. They are claiming I did not pay for valid services received and are attempting a fraudulent collection, using the credit reporting agencies as an illegal collection vehicle. 
The original communication was dated XX/XX/XXXX. This account has been resold to the following collection agencies over the past years.

Allied Collection Services, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX, XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX. 
XXXX, XXXX XXXX. 
In each case when contacted by the above agencies, I explained I never had a cell phone with XXXX and within the 30 days of receiving the notice I disputed the debt and requested proof of the debt. 
None was forthcoming and as of this date I have not received any further communication from the above. 
In XX/XX/XXXX I was informed that my credit score was reduced by 70 points, the only addition to my credit report in XX/XX/XXXX was XXXX XXXX. 
XXXX XXXX sent me a letter in XX/XX/XXXX and on XX/XX/XXXX I replied in writing disputing their claim. They have never replied to my written communication to them disputing their claim and asking for verification. 
The above is a Scheme that XXXX is using against its customers.
XXXX, XXXX, and Experian are all reporting information that is incorrect. I have filed disputes but the information continues to be on my credit report. I have documentation that the information that they are reporting is not from the original source. The documentation that I am presenting comes directly from Bankruptcy federal court in XXXX Kentucky.
Discover card filed an investigation I received a letter stating I was n't responsible for the charges on the account. Then come to note the lady gets rude and decides to keep my account closed and tells me I need to reapply for a new card. I paid whatever remaining balance was on the account and the account is a XXXX balance and they still wo n't reopen my account.
This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that I would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.
Since XXXX XXXX, 2015 we have been trying to get a Line of Credit or mortgage with Wells Fargo. Every week there was something that changed the loan. They first started with a line of credit and said no. Then we went for a mortgage and have asked for everything XXXX times. Then after we waited patiently and heard nothing for 2 weeks we called and they meet with us. The understanding was they were processing all the information and would get back to us. We waited again and called again had to be called back. Then we were told the loan would not be in both names just in XXXX XXXX and not in both XXXX and XXXX XXXX also we would have to pay off all credit cards and close all accounts. We did not like that all of our accounts had to be closed and both of our names were not on the loan. We contacted another lender and explained what had happened. He said to give him our information and he would let us know what he could do It took him 2 days and we had all the answers we are both on the loan and we are paying off some of our debt but do not have to close all accounts because that affects your credit, I notified Wells Fargo and let them know that we were not accepting the loan. 
We also asked them to reasssign our appraisal which we paid for a couple of weeks ago. YThey wold us they would not reassign our appraisal to XXXX XXXX XXXX so we may continue with our loan process. We paid {$450.00} which XXXX XXXX said was a little high for the appraisal. I would like my appraisal reassigned to XXXX XXXX Wells Fargo can do nothing with it so why wo n't they give it to us?
Chase Bank will not accept my cash payment for my credit card. They want me to go and buy an I.D . or buy a money order from them. I have no job and can not afford either and the time before they charge me fees is too soon anyway. I 've spoken with an executive at the head office for credit cards. This will ruin my credit report and my future. Please help me! My name is XXXX. I 've tried all that I can do Reach me at : ( XXXX ) XXXX They will not respond to me even after I 've written a dozen times!!!
Sold a house in XXXX in 2007. At/after closing, paid off mortgage and home equity loan. Moved to XXXX. About 5 years later, I was contacted by an unknown company to me, Fidelity National Title Insurance Company. They are suing me and my ex-wife, claiming we did n't pay our home equity loan. I 've sent this company, the court and the judge our home equity loan certificate of satisfaction, stating the loan was satisfied on XXXX/XXXX/2007. But, the judge wo n't throw it out, even though I submitted the letter. I do n't know what to do.
On XX/XX/18 I obtained by Equifax credit report ( confirmation number XXXX ) and after reviewing it I noticed that I have 2 negative accounts that I do not recognize reporting to my credit report. One is from XXXX XXXX and the other is XXXX of which i have no clue why it is reporting on my credit report. I have never done any business with these account people listed. I have disputed this before and it is clearly not being handled with critical discernment and it is very disheartening. I am including credit report and other supporting docs for immediate assistance.
XXXX XXXX XXXX XXXX {$140.00} There is no contract, no valid claim ... account was settled with original creditor by insurance carrier and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
MY PROBLEM BEGAN AFTER I DISPUTED ACCOUNTS ON MY CREDIT REPORT. I DISPUTED THE DATES SHOWN. I LOST ALL DISPUTES SAYING THEY MET THE STANDARDS. I KNEW ONLY WAY IT WAS POSSIBLE WAS IF THEY FALSIFIED THEIR RECORDS. I ORDERED SEVEN ( 7 ) YEARS OF MY BANK STATEMENTS TO MAKE SURE I WAS CORRECT ON MY DATES. I WAS THEY SHOWED NO PAYMENTS MADE ON DATES THEY CLAIMED OR ON ANY DATE IN LAST SEVEN ( 7 ) YEARS. EACH TIME I DISPUTED THE ACCOUNT DATES CHANGED. AT THE END THE OPENING AND LAST PAYMENT DATES WERE CHANGED FINALLY SHOWING ACCOUNTS WERE STILL OPEN WHEN ALL WERE CLOSED FOR YEARS.. THE COMPANIES THAT BOUGHT MY CHARGED-OFF ACCOUNTS REPORTED NEW DATES AND ACCOUNT NUMBERS XXXX ( XXXX ) XXXX XXXX account turned into XXXX ( XXXX ) .I wrote XXXX XXXX got no reply but accounts changed from write off to no missed payments and XXXX showed right dates of last payments as XX/XX/2006. same with XXXX XXXX ( XXXX ) was good XXXX ( XXXX ) bad there was only XXXX ( XXXX ) account these accounts appear three ( 3 ) separate times
On XXXX XXXX, XXXX at XXXX XXXX, I transferred my funds from XXXX to Coinbase in the amount of {$830.00} in which the funds were never credited towards my Coinbase account. The status from my XXXX accounts says its been confirmed and sent to Coinbase, however Ive never received the funds in my Coinbase account. The address that was used from to send the funds from XXXX to Coinbase is : XXXX. Ive reached out to both XXXX and Coinbase about this issue multiple times and both companies are telling me to contact the other company because theres nothing that they can do about this situation. Ive attempted to call Coinbase in which I was kept on hold for 2 hours with no response from anyone, along with submitting a claim with their support team in which Ive not yet heard any type of response yet. I have screen shots of the transaction and the multiple complaints Ive made with both companies.
Integrated Services ( XXXX ) has called me many, many times on my personal cell phone ( which I understand XXXX but they continually call my place of business and leave messages threatening to sue my employer for fraud, my bank for fraud and use names of individual that I know in some of their communication. They threaten to serve me with legal documents but say they can only serve me at my place of business. On XXXX/XXXX/2015, they called my managers phone number, listened to her message which clearly states her name, title, etc. and left a personal message for " me '' on her phone. I met with a free legal aid attorney on XXXX/XXXX/15 and they informed me that this is against the law and that I should report them to the attorney general 's office. They further told me " not '' to speak with them and to let my debt management company handle but Integrated Services will not call them because they know they can not threaten them with actions that they can not take or that are too costly for their company to pay. They are collecting on behalf of a payday loan company and were told that my debt management company will only work with the originator of the loan. The originator was contacted but disregarded the debt management directions and gave my loan to this company to collect using unethical tactics. I have reported the original company and included the name of Integrated Services in another report to CFPB ( Ref : Case number : XXXX ) but I want these people notified also. The attorney stated that I have the right to tell them to not call my work or cell phone again because that is the law. But what about the fact that they call others who know me and tell them personal information that they should not be sharing? How do I get them to stop that? They have not contacted me in writing and according to the FTC they must do that, and I have no address for them, just the names they give, the phone number they call from and their threats which change each week as to who they are filing fraud against. Their last phone call on XXXX/XXXX/2015 stated that my debt management company wrote and said that they were to work out an arrangement with me. That is not true, it states that the originating company should contact them to discuss payment arrangements and then I would make payments to the originator directly. It does not say that they are to call me and discuss because I have been instructed " not '' to speak with them. I guess they think that I do n't understand the language in the legal notification that their client received. Please assist with this issue. It was not my intent to stop paying this loan but due to medical and family hardships, I was unable to continue to meet my obligations to all of my creditors which is why I employed the services of a financial company. If I lose my job because they continue to harass me or call my employers and leaving confidential information on their phones, they will get nothing. I guess these tactics may force others to pay who are truly able to, but I have nothing extra to give without removing the roof over my family 's head and stop feeding them or paying essential utilities to maintain. Thank you.
I have unpaid medical debts from a car accident in XX/XX/XXXX. These debts are being sold and reaged to the current year each year. It has now been 10 years and they just put a new debt on says opened XX/XX/XXXX XX/XX/XXXX
I have reached out to Wells Fargo multiple times about the account they are reporting on my 3 credit reports. They continuously fail to verify the account and failed to reply to my letter requesting full verification that they are reporting 100 % accurate.
For over a 5 year period I've been making payments on a student loan that I'm unaware if the payments are credited to the outstanding balance. Also, on several occasions I requested statements of the balance, however, I received no documentation stating an accurate account of interest, balance and terms. 

My loan was sold to Navient, when I was employed as a school teacher and I was in a forgiveness program ; however, after my loan was sold, the loan was no longer recognized in the program, the interest and debt owed, was increased to the original amount.
I attempted to request a freeze on my credit report via the Equifax on-line process on XXXX XXXX, 2015, but the on-line process was inoperative and advised that the request could not be processed. As part of that initial process, I provided all requested personal information, including my current address, SS number, etc. On XXXX XXXX, I again tried to use the on-line process to place a freeze on my credit information and learned that Equifax had in fact placed a security freeze on my Equifax credit file. This had been done without Equifax notifying me of such freeze or providing me the PIN number I will need to release or terminate such freeze in the future. I was advised by the call-in center ( XXXX ) that the PIN was mailed to a prior residential address where I resided three years ago, even though I gave them my current address when I initially used their on-line process. I was told by her that the old address was obtained from credit reports. I feel that my PIN has thus been compromised. Attempts to resolve this with Equifax have been unsuccessful in part because the call-center phone representative apparently does not sufficiently understand English, which is our only spoken language. I was asked repeatedly for the same information, i.e.., spelling of my name, address, social security number, etc. The process took over 30 minutes, including being put on hold several times. 
This entire interaction left me with some discomfort in knowing that my personal information was given to someone who impressed me as being incompetent.