WillisBack/dataset-financial-user-claim huggingface dataset:
child support showed up on my credit report. This was incorrect in the first place because I was on XXXX from XX/XX/XXXX-XX/XX/XXXX so they were not legally able to even go after me for child support at the time. 
Anyway. Eventually they closed the case as paid because they couldn't go after me in the first place, I was never subject to the debt. 
Not only should this not be on my report in the first place, but now it is really really old and still shows. 
it is on Transunion, XXXX ( though XXXX says its from XX/XX/XXXX when I wasn't even born yet. ) and transunion. 
It is just showing under " closed accounts '' but it reflects badly as it shows I wasn't paying and its very clear what it is for which reflects badly on me personally as well.
I became past due on one of my accounts with Comenity. That is when the phone calls began occurring on my cell phone. It got to the point when they were trying to disguise their number and come up restricted. They never once left a message. <P/>On XX/XX/XXXX, they called me at XXXX XXXX., XXXXXXXX XXXX. and then again at XXXX XXXX. I called them back the following day and spoke with XXXX. She told me that as the calls were autodialer/robocalls, there was NOTHING that they could do to control the frequency of the calls. I had called from a line at work. <P/>I just now received a robocall at my place of employment from them, when I never once gave them permission to use that number to reach me. These tactics are a form of harassment. There was dead air and then disconnect. Luckily I was able to retrieve the number and call back to find out that it was Comenity. <P/>Last year, I received an email from a class action suit that I was going to be receiving portions of this suit due to illegal activities 9f their Account Assure practices. Instead of mailing me the check, the put the balance of what was owed  to me towards a legally settled account that was closed a year prior. <P/>I definitely think that the FTC needs to seriously monitor this credit company and all their activities.
USAA Bank, clearly advertises that family members of veterans may obtain checking accounts with them. That is only partially true. In there national commercial they clearly state that siblings of veterans may obtain an account. When you call USAA Bank, a sibling is not allowed to obtain an account.
On XX/XX/XXXX I contacted Diversified Consultants in XXXX, FL and paid a past due bill originally owed to XXXX XXXX XXXX in the amount of {$300.00}. The company agreed to contact all 3 credit reporting bureaus and update this account as paid. As of XX/XX/XXXX, it still shows as derogatory and debt unpaid on my credit report.. The company has had 30 days to complete this transaction and they still have not held up their commitment. I also paid 2 other past due bills in collections off during this time and those companies upheld their commitments to remove their accounts and send me a written notice in the mail that this debt has been paid. Diversified consultants have neither updated to the credit reporting agencies or sent a written notice showing that this debt is paid. What do you do when a company takes your money then ignores you??
They call me daily at all hours from different numbers after i told them not to contact me and that i will get to them when im financially able to and that i have verified the dept they are trying to collect is real i still get calls from them they have started calling every other day but still wont stop they are called ERC but they wont tell me what it stands for and when they call they just give me the name of the person i am talking to and demand to know if it is me i have told them i will block their numbers the lady just laughed and said good luck amd now they continue to call from different numbers XXXX at XXXX XX/XX/19, XXXX XX/XX/19, XXXX XX/XX/19 XXXX at XXXX XX/XX/19 and XXXX XX/XX/19 and they called me 15 times in XXXX and XX/XX/XXXX that i didnt record.
On XXXX XXXX, 2017, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files. 
My information was part of this loss. 
Equifax did not take proper preventative measures to prevent the unauthorized release of my personal information.
Contacted Experian on XX/XX/2018 at XXXX XXXX  eastern time Initial call was transfer over to foreign representative in which I requested for a American representative, but then transfer over to several foreign representative 's requested four times to speak with American representative., after several attempts I was then transfer over to American Representative, named XXXX out of the Arkansas call center, XXXX refuses to transfer over to her Supervisor after she informed me that Experian does not nor obligated to inform the consumer of the results of the disputes additionally XXXX refuses give me the response date of the creditor. Experian is not in compliance of the fair credit reporting act action resulting not informing of the results after filing disputes, no response after sixty days, hung the phone up on me after asking for response date, here are the intems in which I have disputed 1. bankruptcies, 2. XXXX XXXX, 3.XXXX XXXX, 4 XXXX
When enrolling in the school I was notified how much I would need to take out in terms of federal student aid, and was also told I had to take some private loans from the school because the federal aid would not cover my education. I was not sure why I had to pay while I was going to school, as I assumed loans were to be payed after you finished school, but they required payments from me monthly while I was attending, which did not help me financial situation. I took out over {$25000.00} in federal student aid which I am currently repaying. I quit going to school at the beginning of the semester because of unforeseen financial hardship and soon began to receive calls and letters from the school stating I had a balance with them. I was unaware of this balance as when I logged into my account on the schools webpage, it stated my balance was {$0.00}, yet I kept receiving phone calls and letters stating I need to pay over {$2500.00} to which I had no idea about, or where it came from. When I finally spoke with the school they stated I needed to pay up. I told them I could not repay it all at once, and could only make a payment of about {$400.00} at the time, to which they did not seem to like, but I did so anyways. I had some trouble making payments from time to time so they sent me over to a collection agency to which I set up a payment plan with. While making my payments on time, I kept receiving calls and letters from them stating I needed to contact them asap. When I finally had the time to do so they would not respond. I attempted to call the phone number provided on the letter I received to only receive an empty dial tone like it was not in service. I also attempted to email them and still no response. I am now getting this reflected as negative points on my credit history and I do not know what to do about it. I can not contact the company, nor can I pay them. And I still do not know what this loan amount is for. I have been reading about scams this school has done in the past, and do not know if these are legitimate statements made but it worries me they are preying on me and trying to take money from me I do not owe them.
There is a legal item on the Equifax credit report dated XXXX XXXX, 2010. It indicates legal item of {$1200.00} - Case number XXXX - Satisfied. 

This item should be removed completely from my credit record.
I have made pervious attempts to have the agency validate this " debt '', each time I get a response from them it is the topic of repayment of this invalidated debt. The last letter said they will stop contact with me but still continue to report this invalidated debt on my credit report.
I purchased a car through JD Byrider in XXXX that was financed through CNAC Byrider Finance LLC and had 24 months to pay. I started experiencing some serious problems with the car and took it in for repairs and paid {$400.00}. XXXX XXXX stated that they repaired the car but the car was not repaired in fact XXXX XXXX stated that they made the wrong repair and because of their mistake that said " we'er just going to put you in another car ''. I thought it would be an even exchange however, I ended up paying a {$1000.00} " deferred down-payment '' in addition to the {$500.00} cash ( down payment ) and the {$400.00} car repair. to sum it up 'm now paying XXXX {$190.00} bi-weekly payments started XXXX 2015. The sales price for the car " they put me in that I thought would be and even exchange I believe around ( {$6500.00} ) has been fiance for {$13000.00} at 20.999 % interest with the total sales price being {$21000.00}. I feel I 've been rip off can you please let me know if you can help me with this matter.
alliance one has been misleading me for a number of years now regarding the amount I owe the traffic court of XXXX county. they led me to believe i was eligable for an amnesty for which i sent them {$490.00} which was not amnesty since they claim now i am not qualified for all accounts had been sent to tax board and my wages garnished but as of XXXX/XXXX/16 that account no longer exists thier lawyer said i owed {$9500.00} yet thier office sent bill of $ XXXXand of {$8000.00} and yet i have paid off {$4500.00} lets get whats really owed and whats not I feel i should get a lawyer but with debt this much who can afford one
I have 2 means of contacting this lender : " Rosebud Lending BHL d/b/a First Pay Loans '' via : Telephone : ( XXXX ) and Email : XXXX. 
When I contact via phone, the call does 3 rings then drops. When I contact via email, no response. When I look on my bank statement, the company does not have a phone number, but goes by the name " XXXX ''. There is no other means of contact.
Back in 2013 I had an account with XXXX and I wasn't aware the amount the I owed wasn't paid. I ended up going in collections, and the day I was in collections I had paid the debt off right away, the amount was around {$600.00}. It is currently still showing on my credit report, in which I understand it was my fault by not realizing it wasn't paid in the first place. This i really affecting my credit score, as I am currently in the process of a mortgage. In all fairness I did not receive any letters stating that I owed any money, otherwise I would have paid since I did not have an issue paying the full amount when I realized I was in collections.
Credit inquires made without consent : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX
This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX XXXX. 

By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX substantiating their claims! Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).  Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I will have no other choice to File a small Claims Lawsuit against you and XXXX XXXX XXXX! I have maintained careful records of your actions as well as XXXX XXXX XXXX! Im a victim of fraud and Im trying to get to the bottom of things and you have failed to provide me with help! 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

More specifically, I am referencing the fact that you are reporting an incorrect high balance, incorrect account number, incorrect name, an updated late pay, missing payment history of payments made before and after charge off, inaccurate date of last activity, an incorrect original credit limit, a late pay after account was closed, charge off listed as OPEN a collection account with a limit! 


Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 

I will be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office
A bankruptcy is showing on my credit bureaus of all three major credit bureaus although the filing was cancelled the same day and therefore it was dismissed with a XXXX balance. 

I have disputed this mater several times and it still shows on my bureau. It was not actually me filing. It resulted in fraud on my behalf. 

XXXX Transunion XXXX
XXXX XXXX has inaccurately reported to XXXX, Equifax , and XXXX Credit agencies that I had a late credit card payment XX/XX/2016. This is not accurate. After speaking with XXXX XXXX on multiple occasion they informed me on those multiple occasions that I do not have any late payments. When I contacted XXXX they have informed me they have sent multiple off-cycle updates to the XXXX XXXX Agencies to update the inaccurate information. This has not occurred as the same late payment is still on my credit reports. 

I have disputed the late payments multiple times and nothing on the reports has changed. Either XXXX XXXX is not responding to the disputes or the Credit Reporting Agencies are not truly investigating and providing the same inaccurate information when they receive the disputes. All said the issue is not resolved and its been 3 months since the initial dispute was filed and XXXX along with the Credit Agencies have been contacted about the issue. 

I do not want to have to resort to legal means to get the issue resolved but will if it is not handled immediately. This is black and white, I did not have a late payment in XX/XX/XXXX yet it is being reported as late. This is a complete violation of the Fair Credit Reporting Act which is a violation of the law. This issue needs to be resolved ASAP. I had attached a chat that I had with a XXXX Representative that confirms my statement.
I moved out of XXXX XXXX XXXX ( XXXX : XXXX XXXX ) in early XXXX, 2015. On the Move Out Statement received from landlord after I had moved out, I was charged an additional {$1000.00} full rent for XXXX, when I only remained a few days, and should have been charged a pro-rated amount. They also charged me for a full month of XXXX rent. Additionally, I did not have a current lease in place ( renting month to month since last lease was never renewed ) but was charged a {$1000.00} Rent/Lease Break fee. A lawyer even suggested I take the landlord to court because I paid my rent despite the sub-standard conditions of the apartment, including lack of air conditioning and basic heat. They claim I owe {$3000.00}. I have disputed this amount several times, with no satisfactory response. They also kept all of my security deposit of ( {$1400.00} ) and pet deposit money. This should have been more than enough to cover the pro-rated rent for XXXX. 

Delaware 's Attorney General XXXX XXXX filed a litigation against the landlord alleging violations of the Consumer Fraud Act. Tenants reported numerous complaints of heating and air conditioning problems, broken appliances, plumbing issues and lack of response to maintenance calls. Images of the inside of my apartment are attached to show you what I'm talking about.
Hello, I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, Experian and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. 

XXXX  XXXX XXXX / XXXX XXXX has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report. 
I've been asking for verification for 6 months in certified and notarized letters. 

They replied once on XXXX The letter stated the account had be sold to XXXX XXXX which also included a non letterhead computer faded copy of a copy statement. 

On my credit report it's stating XXXX XXXX with remarks stating sold to another lender. I have no knowledge of this account which was opened in 2014. Please help me.
I am seeking your help diligently because I was denied a job for a background check. The hiring manager claimed everything was a go and I did the drug screening, fitness exam, and even a XXXX physical to find out later on that human resources denied my employment. I applied to be a XXXX for XXXX XXXX who in turn used ASURINT ( background company ) to run a background. After being denied because of this, I researched and found out that ASURINT should not have gone back further than 7 years into my past especially if the jog was going to pay less than XXXX per year. XXXX things based upon my preliminary research. 1. ) Background check : 7 years back ( 2 ) Makes less than XXXX per year. I thought E.E.O.C., F.T.C., and you all had rules in place regarding hiring people.
I enrolled into to a program in XX/XX/XXXX with my two credit card accounts with XXXX XXXX XXXX that would temporarily freeze my account to allow me to make payments in order to get my account back on track & in good standing for 3 months. After starting this program I noticed that I kept receiving letters from the company stating I was behind on payments and in addition received alerts from my credit monitoring the company was inaccurately reporting my accounts as closed. I called XXXX XXXX back in XX/XX/XXXX the customer service assured me that it was not them reporting this to the credit bureau, but the credit bureau reporting the information my account was not closed simply frozen until the program was completed.. I gave XXXX XXXX the opportunity to correctly report the information to no avail. For 3 months they continued to report a false status to the point of causing my credit score to drop 41 points from XXXX to XXXX in XX/XX/XXXX after I have been working diligently to reestablish my credit. I contacted XXXX XXXX XX/XX/XXXX to address the issue, customer service informed they will keep reporting the account as falsely being closed even though it is only frozen until my last payment. I requested a letter from the company comfirming that the account was not closed and was denied this information in writing in order for me to present to ( transunion & XXXX ) for correction.
Approximately XXXX 2016, fraudulent activities transpired on my accounts with Wells Fargo through automatic tellers machines ( ATMs ). Since I am unemployed and no longer in school, there are no frequent activities made by me such as deposits, withdrawals, transfers etc. On XXXX XXXX, I was notified by my mother that I received an email from Wells Fargo stating my online log-in information ( ID and password ) had been changed. On XXXX XXXX, I was again notified that Wells Fargo forwarded another email stating a HOLD was placed on my account. Upon returning home later that next week, on XXXX XXXX, I received a letter stating fraudulent checks in the amount of {$4000.00} had been deposited and charged to my account. Amazingly, this account has never ever held that amount of moneys. I could not imagine any institution paying out that amount. I was a college student and had recently graduated. I called and after being transferred several times, spoke with XXXX. I filed a claim and stated I should hear something withing 5 business days. On XXXX XXXX, I received four separate letters ; each contained a copy of a fraudulent check. On XXXX XXXX, I forwarded a follow-up letter to Wells Fargo stating to close the account immediately ; not to wait for the scheduled closing of XXXX XXXX. I telephoned on XXXX XXXX, again transferred numerous times. Finally connected to XXXX of Loss Prevention. I had to summarize the situation. I asked did she see the communication with XXXX. She replied 'no '. Upon asking the status of the account, she responded, " The amount of {$4000.00} has been recovered. There is a negative balance of {$2.00}. There was a physical withdrawal in the amount of {$300.00} that needs to be satisfied and you as the account holder is responsible. '' It was then that I stated, " why? '' She emphatically stated that " you had to give your card and PIN to someone. '' No, I did not. XXXX ( Wells Fargo Rep ) refuted my " no ''. My mother listening informed her that she was giving out fraudulent information ; bank cards are skimmed every day. Apparently, that was the case. I had been 'skimmed '. I research information and Identity Theft Expert, XXXX XXXX proved it to be the case and recommended that customers access ATMs at banks only. Again, I informed XXXX from XXXX XXXX that on XXXX XXXX and XXXX XXXX, I received two emails and Wells Fargo should have been aware that my account had been compromised. The history on the account had never showed frequent deposits of any sort.