WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a QVC credit account and was approved shorty after placing a order for one of there items without notice my account was closed without any notification to me. When I called the representative stated I owed a passed due balance of {$37.00} and this would need to payed before my account could be reopened. After giving them my debit card number to pay the outstanding balance QVC has not responding on reopening my account that they approved me for in 2015. I would like them to know that closing account can cause damages to my credit and I the customer was not notified of the closing of my account of given a chance to pay the balance before closing my account.
In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I disputed the fact that I had XXXX XXXX loans in forbearance which XXXX XXXX placed in forbearance as well ; yet, when XXXX XXXX sold loans to Navient, they did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no  longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of mu XXXX and TransUnion report for reference.
CRA violation Equifax never send back my credit report were disputedXX/XX/2018
I changed phone numbers and apparently someone else who previously had this number must have been a member of the XXXX ABC Financial finances.
I received a letter from Equitable Acceptance Corp. Saying they could reduce my student loan debt. They made me believe they were taking over my loans but I instead they are not providing the service that they portrayed. They are charging me to manage my account, which is what I have been doing. They will not let me out of the contract which is for 48 months unless I pay 40 % of their service fee.
Portfolio Recovery is knowingly reporting false information on my trade-lines ( XXXX and XXXX ) to all three credit reporting bureaus.They have an account in there possession and is reporting as an open, revolving account. According to Federal law, Portfolio Recovery is not allowed to report a factoring account and report a past due balance reflecting an installment loan. This account was not purchased in good standing, which would then entitled them to report as is. I have disputed this account, and asked for verification. They failed to respond in the required days with the information that was requested. This account is further negatively affecting my credit report and score due to this company 's false reporting. I demand that this tradeline be removed from all XXXX Credit Reporting Agencies due to violation of law.
I had a medical debt that was transferred to Capital Accounts LLC, I  paid the account in full on XX/XX/2017 but it still shows on my credit report that a balance is owed. I have called 3 times and every time I call they tell me they will get my information sent over to the credit bureau. Each time that I call the representatives are very rude. I just want this removed from my credit like they assured me it would be.
XXXX CST on XXXX, i am unable to access any of my accounts. I have tried logging in via my app as well as the website, and it displays an error that it is currently down. The bank 's website appears to be having technical issues which is preventing me from accessing any of my funds and conducting my necessary transactions.
XXXX XXXX XXXX continues to call dispite being informed to cease all forms of communication ( oral and written ),  a violation of the FDCPA. This company calls from the numbers of XXXX and XXXX. 

All of my debts are long past the statute of limitations. I retain and can supply a copy of my XXXX Credit Report which proves that all debts are 10 years old or older. Thus, there is an absolute bar for any form of litigation. 

In accordance with the FDCPA, a debt collector MUST stop all forms of communication once they are informed to do so in writing. My past written letters to MCM have been ignored. Thus, I am using this complaint as a formal written cease and desist informing MCM to cease all forms of communications concerning any and all past debts.
I have called ( XXXX XXXX XXXX ) about these disputes even talked to the companies and they say I must deal with the credit bureaus. I was told they would all be deleted. 
All the credit bureaus have or had fraud alerts yet I am never notified until someone tries to access my credit. Almost daily or weekly I am getting hit with inquiries. I know they are n't mine I have identified what belongs to me and attached to a open account. 

TransUnion Hard Inquiry XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fcu XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX Cap XXXX XXXX XXXX, XXXX attached to account-legit XXXX XXXX XXXX   XXXX, XXXX XXXX  XXXX Apr XXXX, XXXX
I received 3 return packets from XXXX. I opened one and saw they were phone return packets. I found XXXX 's fraud reporting phone number and tried to contact them, but only received automated messages. ( XXXX XX/XX/2018 ) I went to XXXX store at XXXX XXXX, XXXX XXXX and told them of this fraudulent activity and asked to check the name as spelt on the envelope " XXXX XXXX '', note not same as my name. They could not find anything, and said they could take any fraud discovery or fraud report information. So I mailed back these packets with notes on Fraud activity. 

Later I complained on XXXX about collection agent hired by XXXX, and now an even more abusive collection has been hired by XXXX. 

( Saturday XX/XX/2018 onwards ) I have been getting many calls from Diversified, and I told them that I have reached out to XXXX numerous times. But they still threatened me with consequences. Previous history below ( resolved with XXXX  ) I checked the Fraud website on XXXX, and noticed it was too complicated, and asking me to reveal lots of personal information. While in the meantime I am not able to reach any human at XXXX. The web reports on Fraudulent department at XXXX were also bad.
XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To : Synter Resource Group, LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This letter is sent in response to a letter I received by you on XX/XX/2018. I am requesting that you provide validation of this debt. I have been in contact with XXXX as well as my local sheriffs office numerous times to report this account as fraud, as I have never opened an account with XXXX. However as neither XXXX nor your company clearly understands my complaint, I will be formally filing an intent to sue as well as lodging complaints with the XXXX, XXXX and XXXX  Attorney General, CFPB, and other relevant agencies. Civil and criminal claims will be pursued against both your company and the original creditor for violating FCRA 623 ( a ) unless you formally remove any and all of my information from your systems within 30 days of receipt of this notice. I highly suggest you heed my warning.
Lockhart, Morris and Montgomery has reported a collection account with a balance of nearly {$5000.00} on my credit reports. They repeatedly contacted my dad, even though I am XXXX XXXX XXXX in an attempt to collect a debt that I even owe. There is no judgment against me. When they called my dad they did not identify themselves as debt collectors and tried to find out my contact information and location. 

They even contacted my grandparents on the phone to try and find me. My grandparents were very upset by this.
PNC bank mailed me a physical letter advertising my pre-approval for a new credit card with a promotional bonus of { {$100.00} } upon meeting certain requirements. After meeting the requirements no { {$100.00} } bonus was received. I spoke to a PNC Bank ( 800 number ), the Branch ( both in person and on the phone ), then the their escalation department and then their department that oversees escalation to further escalate the escalation. They are aware of the offer, but state that I am not eligible to receive the { {$100.00} } offer because my wife with a shared checking account had previously received a bonus year ( s ) prior. I still have the mailed printed offer explicitly outlining the terms of the disputed offer, and it contains no terms describing that I would be disqualified. It does specifically state that, " If multiple credit cards are opened with the same primary borrower, only XXXX credit card account will be eligible for the {$100.00} offer. '' I have never applied for PNC Credit Card before so I should be eligible for the {$100.00} offer. 

If not for the bonus offer I would not have opened the line of credit which harms my credit score, affecting loan rates, and costing me time managing the credit line. Till this day, both my wife and I receive numerous PNC Credit Card Offers with bonus. If their rules had stated, WHICH IT DID NOT, that only XXXX credit card bonus per household may be eligible and given, then I would not have applied for the credit card. I believe this is false advertising among other things. 

Thank you for your time.
Previous request to remove ( as of  XXXX   XXXX  ) negative  XXXX   XXXX  account ignored ; satisfactory account   XXXX   XXXX   deleted instead  ( n ot scheduled for deletion until  XXXX  ). Why?
To BofA CEO XXXX : a call from yet another programmed BofA rep. The bottom line is that as q long-time BofA customer I accepted an offer for a money transfer under certain no charge conditions and it was NEVER disclosed that to ask for an increase I would to have to wait three months or effectively AFTER the offer had expired. Because they say Im not a long-time customer. Well, I have been such a customer for over 18 years. So this is NOT about my credit. This is a bait and switch which I will report to the consumer protection agency. You need to be reminded with all due respect, sir, of the original intentions of the Bank of America in XXXX XXXX after the big fire at the turn of last century. To help people and be honest. The banks current rapacious scorched earth reputation is well deserved. A copy of this goes to the consumer protection agency. Please no more phone robot calls with various programmed individuals. Thank you.
These 7 accounts ( attached ) were first opened in the XXXX 's. I have been enrolled in several different payment plans and I have never once been late. ex : After I would complete a 12 month plan then I would receive information from so many different collection agencies instructing me that my account had been transferred and that I would be notified by mail whom the next collection agency would be. I always kept up my end of the bargain. Keep in mind I was always asking for deferment, constantly explaining my hardships. However, I completed every payment plan they set me up on and I believe it was a total of 3 - 5 maybe. I have been on a income based repayment plan for several years ( attached ) and I don't think its fair to continue to report this to the credit bureaus. I can not rent an apartment or even think about getting a job because this bad report keeps showing up on my credit. 
Furthermore ; these loans are from me attending several schools ; XXXX, XXXX, XXXX College, XXXX XXXX College and XXXX College.
After successfully completing over two months of a full documentation mortgage loan application process my loan was approved on XXXX XXXX 2015. This cash out 60 % LTV refinance is needed to complete a remodeling project on my property which I have owned for over 23 years. XXXX XXXX XXXX, Loan Depot 's loan processor assured me I was approved and final loan closing documents would be drawn up as soon as I cancelled four of my five credit cards that were to be paid off in the loans close. I immediately cancelled the four credit cards they specified even though I was told it would be impossible to reinstate them and that this action would negatively affect my then good FICO credit score. XXXX XXXX the loan processor pushed me to obtain emailed and or faxed confirmations of these credit card cancellations which was successfully completed on XXXX XXXX. On XXXX XXXX after nearly three weeks of excuses I was amazed to hear XXXX XXXX 's explanation that the property appraisal was being reviewed causing this delay. After another five exhausting weeks of phone calls and emails asking for an update I was told on XXXX XXXX that their appraisers comparable ( comps ) were not acceptable to Loan Depot and the loan was being declined because of this. This cancellation caused me to be damaged on several levels starting with my FICO score being negatively affected because the lender required me to cancel credit cards as the only condition of final loan approval. In addition Loan Depot required me to rewrite at additional cost my hazard insurance policy with additional conditions and coverage. 
The facts have become clear after I have looked into this which are disturbing. I agreed to pay whatever the cost was for a professional appraisal and paid a deposit of {$390.00} to begin the process, I was contractually obligated to pay whatever the cost was for a professional fee appraisal. As far as I can ascertain Loan Depot through its XXXX appraisal agents was the cause of the the unacceptable appraisal by restricting the appraisers fees offering a substandard fee causing a low end appraiser located hundreds of miles from the property to be the only appraisal service willing to do the work. The appraiser they selected was not a member of the local local XXXX XXXX XXXX board. There are many local Montana real estate fee appraisers when it comes to these unique properties but they hired an out of area appraiser simply because of the low cost, this cost was mine not Loan Depot'sMy damages are ongoing after nearly five months time passing when this could have been finished in two months because of Loan Depot 's actions. This has caused me XXXX dollars damages in lost time, emails, phone calls and more. 
I am ready to proceed with a loan closing in order to rectify this, not wanting to to resort to a costly lawsuit with XXXX XXXX for its disregard to its fiduciary obligations to me. Kindly help me with this or refer me to whoever you feel may be able to help me proceed.
I have disputed this directly with Equifax as well as submitted more than XXXX or XXXX complaints through CFPB but no one does anything. I 've submitted police reports, Grand Jury Indictments, Victim Status Reports when the offender who stole my identity was sentenced. XXXX XXXX and XXXX were a pleasure to work with. Equifax and CFPB have one excuse after another. Neither respond, neither consider any of this a priority! This has been going on since 2010, so I guess you just want me to wait till next year when it falls off on its own. Please assign this to a Department Head and Manager. I DO NOT want a supervisor looking into this case again as its gone no-where. Thank you! XXXX XXXX
I was declined for a credit card in spite of having a credit report with no adverse ( late payment ) information, a credit score near XXXX and 3 % utilization of available credit. After receiving the credit report, Citi requested additional information including copies of bank account statements and a copy of my federal tax return which I provided. Twice the reason given for turning down credit was " could n't verify the accuracy of ... information provided. '' I was given no opportunity to discuss this with anyone or provide further information. Lacking any reasonable reason for credit being declined I am left to conclude that the fact that I am XXXX years old is the real reason this credit was declined.
Both Equifax and XXXX  are reporting a bankruptcy on my credit report. I have contacted them numerous times requesting that they remove this derogatory information on my credit to no avail. 

This is correct that was not pulled correct and neither bureaus want to correct their mistake and have it resolved. This happened over 10 years in Illinois and does not need to be on my report. But because of the laziness of these bureaus, they do not want to do their work. The date in question was in XX/XX/2008, yet they are still not removing the derogatory from my record.
I have been using chase online bill pay to submit rent payments to my landlord for over XXXX years. XX/XX/XXXX my landlord told me that he has not received my check ( i had set it to autopay with my bank ) I contacted chase and asked them what happened to the check, they told me that it was cashed by someone on XX/XX/XXXX. I sent this information to my landlord and proof of an image and he said that he has not cashed it and it seems like someone stole the check. 
I contacted chase and opened a claim immediately, chase asked me to send in a notarized for with all the information and once I did that they would start working on the claim. I sent all the paperwork in and called up chase claims, they told me that it would take a minimum of XXXX and they are doing me a courtesy by filling a claim and they will try and help out, but they can not guarantee anything. My issue is that chase printed out the check and mailed it, they said that it has already been cashed, but they do not have any information on what bank it has been cashed with. They are holding onto my funds for XXXX days and my landlord wants another rent check. My rent is pretty high and I do not wish to use my savings for this. Why is the bank taking this long to solve a claim? How was the check encashed when by someone else when it was not in their name.
Opened an account with XXXX in XX/XX/XXXX -- they back dated this account to my member service date of XX/XX/XXXX -- this account has been reporting an opening date of XX/XX/XXXX for the past XXXX years -- just recently for no explained reason trans union reported closing this account dated XX/XX/XXXX and opening a new account dated XX/XX/XXXX -- same account! This dropped my credit score XXXX points -- called XXXX and they said it should reflect an opening date of XX/XX/XXXX -- they said i needed to dispute with trans union.
Dear Experian, RE : Acct : XXXX Report Number : XXXX This account was under dispute and came back verified in XX/XX/XXXX and XX/XX/XXXX. I recently submitted a dispute asking that you delete the account due to multiple inaccuracies being reported by this account that doesn't even involve whether or not the account had been verified. All you did was update the account and still have failed to report it correctly. A collection account can not have a past due amount for sheer fact that a collection account is already a past due balance, therefore it itself can not have a past due balance. 
- This collection account reports 1 months terms - This collection account has been disputed and I have asked for method of investigation as well as who verified this account and Experian has failed to provide this information at every turn. 

This is not request for another dispute, investigation or re-investigation. 
Either provide the information asked for or remove this account immediately
Had 4 phone calls in one day to my cell phone about debt collecting. 
They are asking to talk to a XXXX XXXX ... ... Not me ... .Never heard of him. They got the wrong number! I keep explaining to them you got the wrong number and they get very rude!
This company has called me repeatedly over three years after my informing them multiple times that this was a wrong number. Their caller ID does not list a name. They have been very rude and refused to identify themselves when I asked who they were, saying " if you are n't the person we are calling, then you do n't need to know. '' I have called back and asked to talk to a supervisor -- they said they would transfer me, and dropped the call.
This company continues to report inaccurate information to the three credit Bureaus and are reaging accounts. It is against the reporting requirements of the FCRA, Section 623. I have disputed this information several times, contacted the headquarters and requested the this information be corrected and deleted from my credit file, yet they refuse. After further research, I have questioned the validity of this account and all the inaccuracies in reporting. I have attached copies of my credit report that show the following inaccuracies : -On XXXX  there is no account number, no payment history, no original creditor info, just a balance of {$170.00} -States Delinquency first reported as XX/XX/2018. Account was reaged as this has been on my report for years -Reported as open on XXXX , closed on XXXX  . 

In addition, I humbly request that you provide me with complete transaction and payment history, a copy of any signed contracts or agreements plus the IP address if it was online, and total outstanding balance you believe I owe or remove this account from my reports. My next steps will be a complaint to the Attorney General as well as my lawyer as this has affected my score for some time.
I continue to dispute an invalid lien labeled under ID # XXXX with Transunion. My initial dispute was of XXXX invalid and prematurely placed liens in the public records section of my file and one was removed but not the other. These liens have been removed as they were joint liens with another indiviual who has since cleared and removed them from his reports as well. Yet, TransUnion keeps denying me a proper investigation and the proof of verification which I requested via certified mail, such as the descriptions and the procedures used to verify the liens that have since been removed from my file at the clerks office. They deny me any documentation and though they have deleted XXXX lien they refuse to remove the XXXX invalid one. XXXX has already deleted XXXX liens because they are unverifiable and no longer on record at the county clerks recorders office. So how does Transunion have the ability or the evidence to keep this lien on file when I have informed them many times that it needs to be deleted from my file and the public records section of my credit report with them. Please, can the government assist me in holding them accountable for denying me my right to an accurate credit report and a proper investigation? Transunion continues to ignore my correspondences and refuses to provide me proof and yet they deleted the other lien and XXXX deleted both. It is very hurtful and I have to spend so much money fighting them on this invalid and unverifiable lien on my record while the other bureaus remove them without hesitation. Please help me.