WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to dispute the following information in my file and request removal. 
Please remove hard inquiries from XX/XX/XXXX. And remove all past debts from XX/XX/XXXX-XX/XX/XXXX. All credit accounts and judgments debts are inaccurate and incorrect because they are 10 years old and hindering employment. 

These items of hard inquiries and past credit debts disputed by XXXX, XXXX, Experian and XXXX XXXX I am requesting that the items be removed. 

Please reinvestigate this [ these ] matter [ s ] and [ delete or correct ] the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX
Chase approved me for XXXX of their credit cards, Chase XXXX XXXX. Upon receiving the card, I began to use the card. After a few transcations, I get a phone call from Chase regarding a fraud alert. I return the call and answer the appropriate questions. I was told to then go visit a local Chase branch. I went to the local branch to prove my identity. The branch personnel called the Chase security team and verified who I was. One week goes by and there is no contact by chase. I call daily to check the status. I eventually find out that my Chase credit card has been cancelled because of fraudulent activity. Meanwhile, there was no fraudulent activity.
PLEASE DO NOT SHARE MY PERSONAL INFORMATION SUCH AS ADDRESS. THESE PEOPLE THINK I AM LIVING IN CALIFORNIA AND CLAIM TO HAVE MAILED LETTERS WHICH I HAVE NOT RECEIVED ANY FROM THEM. I received a call on XX/XX/XXXX at XXXX from an unknown number at my work place. A woman by the name of XXXX XXXX asked for me and once I confirmed, she said that there had been a " complaint filed against my social security number and she proceeded with her disclaimer this is an attempt to collect a debt so on and so forth. She then mentioned that a Male by the name of XXXX XXXX would be calling me to discuss the details. I asked her to not call me here and provided her with my cell phone number. She politely agreed to make my personal cell phone number the only number on the account to call. I mentioned to her that I was at work, and that if I was n't able to answer, to have this XXXX guy leave me a message with a call back number and would try to call during a break. Shortly after, I received 2 missed calls. The first was from XXXX again and then from XXXX. They both were requesting a call back. I called XXXX directly since XXXX seems to be the middle person attempting to reach consumers. He started somewhat with a normal tone that quickly went south when I started requesting a mailed copy of the itemized bill for purchases made including dates and times as well as amounts and locations since I have been filing Identity Theft Affidavits with the IRS because someone used my social security number in XX/XX/XXXX-XX/XX/XXXX and the extent of the damage is still unknown and being investigated by myself. He raised his voice at me saying that this case was being filed on Monday and that there was no time to provide me with any paperwork. I continued calmly and stated that because of my IRS Affidavit filed, that I had the right to obtain that paperwork for my safety and fair claims. He continued to say that I was the irresponsible one for not being able to pay my bills and that he wished me luck and was going to make a claimer that I " refused '' to pay the debt when in fact all I asked was for proof of purchases made on that account to be able to verify before agreeing to any payments. He said there was no time for that since it was being filed on Monday XX/XX/XXXX. He hung up on me and I called him right back. He then answered as a XXXX when he had previously said XXXX. The voice message that I received clearly says he is XXXX XXXX ( I have the message as proof ). I was on my lunch break during this call which was from XXXX to XXXX. When I returned to work, my supervisor mentioned that she received a call ( verified that call was received again from an unknown number at XXXX ) from a XXXX XXXX for me. She said that I had stepped out and if she could help with anything. He then went ahead and asked to speak with my supervisor. Little did he know that he was already speaking to her. He then hung up on my boss which is also a licensed XX/XX/XXXX here.
I took out XXXX student loans while completing my XXXX program at XXXX University in XXXX, AL.. however, my student loans have more than doubled what i borrowed initially. When i called XXXX to get a breakdown, ( as there was XXXX private loan i had no recollection of ) i did not get through to anyone, but when i tried again, i was provided with another number, where i left a message maybe over a year now, and no one has called me back. Whenever i call, it is quite difficult to get through to anyone.
On XX/XX/2018 XXXX XXXX XXXX, Credit Card Division requested a balance transfer which was an error. I spoke to XXXX XXXX customer service who instruction me to contact Bank of America on the electronic error of {$1800.00}. Supposedly, XXXX stated I needed to contact Bank of America to correct error and have them send back the money to my account. I did that and later received a letter of confirmation of them sending the money back. I called them a second time about the transaction getting back into my XXXX XXXX account. The rep stated that the money must go back to the account it came from and will be held in 7- 10 days. Nothing happen so I followed back up after XX/XX/XXXX and called again. Different rep ( XXXX ) and did some research who stated the money is going to mt business checking acct with XXXX XXXX, which is not back on my Visa credit card acct with XXXX XXXX. Again, expect 7-10 days. Nothing again and I called XX/XX/XXXX and spoke to XXXX with Bank of America, now she is telling me they are mailing me a check. I called again because of the mixed message of funds being released and where, plus received another letter XX/XX/2018 stating they mailed me a check but never cashed. Well, my wife and I check our mail daily, but never received anything. So, I believe Bank of America reps are lying and flowing money to make interest!!!! Another problem, the last two calls I ask for an XXXX or Department manager on the Escalation Division, but not able to or nor did any rep call me back after they said they would research with more information. Still have not received my money and it's XX/XX/XXXX now!!! The contact information in the letter is the following : Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, XXXX XXXX XXXX, XXXX, case numbers XXXX and XXXX. 
If consumers are smart don't do any business with Bank of America. Poor consumer service, will tell you lies to get you off the phone, have no integrity and honesty. Bank of America is to big and do not care for consumers!!!
XXXX XXXX XXXX appears on behalf of Clarity Services INC in which I have not applied for nor ask for any web or online pay day loan. I'm also filing a complaint with the XXXX Attorney office as well as the justice Department on American Web. My credit file with XXXX  is opt out on marketing and offers etc. I have not ask or want any pay day loan. It seems like a lot of fraud on XXXX part by Clarity being a part of them. It also seems your targeting people for high loans and a big scam on all parties take your XXXX   else where and no you been filed on several agency.I 'm also filing a police report on this company XXXX as well as Clarity Services Inc
They have been calling numerous times during the day, everyday.They called at XXXX XXXX. and my fiance spoke to them and stated they were trying to contact a relative and would not state what the call was for, how they received my number, and requested the relative 's informatio
cra violation inaccurate information 
not mine please remove
sent po report XXXX XXXX
I make my credit card payment early every month, and half of the time they reject the payment and the other half they don't - using the same exact bank information. I pay tons of other bills the same way and none of them get rejected. The account has money in it and all information is accurate. 

I've called to ask them why they're rejecting my payment and they say they don't know and that it's my bank account 's issue. I've called the bank account ( XXXX ) and they said it is the credit card I believe they're " rejecting '' my payment so that I wind up late on my payment and therefore subject to late interest and other penalties, even though I pay early every month. They don't tell me the payment has been rejected until 2-3 weeks later after it's already late. 

The credit card company that I am writing to complain about is Synchrony Financial. They are also impossible to get on the phone and provide as little information as possible.
Inaccurate, wrong and hurtful information reported by this company. I have never done business or have a contract with XXXX XXXX XXXX XXXX to be reporting anything on my report. Nor have I gotten any form of communication stating that they are going to report negative information without a signature or validation from me stating that I owe {$400.00} on my credit report to all three bureaus. Which I find that is a violation of the FCRA laws. At this point I would like them to produce documents with my original signature stating that I give permission for XXXX XXXX XXXX XXXX to report negatively on my report. If no original contract, validation and signature can not be produced I demand them to be removed from all 3 of  my credit reports XXXX, XXXX, and XXXX   immediately and not sold to another company.
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never conducted business with the company nor have they provided me with goods or services.
XXXX Saturday, XXXX XXXX, XXXX I spoken with an representative of experian to updated and dispute inaccuracies in my credit report. They stated that they update my name, address, phone number and current employer. Also, they deleted XXXX accounts but they still shoeing on my credit report. Im not understanding if you conduct an investigation ... comes back with result but do actually do what you indicated to me in writing. I 'm confused as to why they did n't delete the inaccurate info and update my personal information. Please help. When I called last night ..spoke with XXXX, who gave me a difficult time and refused to let me speak with a supervisor.
no responds from company or additional information on how to resolved issue half answer from XXXX bank still was notified of any changes or updates
Payment plan was set-up online thru Receivables Performance Management on XX/XX/XXXX and the first payment of {$59.00} was made by XXXX CC.
XX/XX/XXXX- 4 phone calls, XXXX XXXX,XXXX XXXX, XXXX XXXX, XXXX XXXX ( not a typo, back to back phone calls ) XX/XX/XXXX- 4  phone calls, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX  XX/XX/XXXX - 3 phone calls, XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 2 phone calls,XXXX XXXX, XXXX XXXX XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 4 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 1 phone call,XXXX XXXX XX/XX/XXXX- 3 phone calls, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 2 phone calls,XXXX XXXX, XXXX XXXX XX/XX/XXXX- XXXX XXXX, XXXX XXXX- answered this call, had to verify my name and address, didnt tell me who he was, was then transferred to a gentleman who asked what he could help me with, I said I didnt know as they called me and I had no idea who he was or what company he was with, he said he would get me to a department that could help, I waited 5 minutes and got no answer then hung up.
XX/XX/XXXX- XXXX XXXX, answered call and advised her that payments had been set-up online and she verified that she saw that and that payments were for {$35.00} XX/XX/XXXX- XXXX XXXX, Answered call and advised that I already talked to someone the day before and that payments were being made and that they were not to contact me again. She said she was noting my file and verified that they did not have the right to contact me again, to which I replied " correct. '' XX/XX/XXXX- XXXX XXXX, XXXX XXXX- Answered call, and advised that this was the 3rd time I have told someone that the debt has been taken care of and they were not allowed to contact me anymore.
I signed up for a payday loan. I fell on financial hardships and needed some money to help pay off some of my credit card debt. I found out that the company took out the payment today. I have recently lost my job. I called to scheduled a payment plan and they told me they are unable to do so since my account has already been processed for reoccurring payments. My account is now in the negative and my bank will not reverse the transaction.
I checked my credit report on XX/XX/2016 the account status was closed bal. 
was {$0.00} XXXX dollars. payment status was collection/ charge off. remarks was charged off account fixed rate. now on XX/XX/2016 I notice that they changed the balance from {$0.00} XXXX dollars to {$130.00}. I 've sent letters to both company and credit reporting agency first letter regarding this issue XX/XX/XXXX and they have failed to explain to me how I owe this debt. when they from start of XX/XX/2016 never been able to show proof by verification of my signature to this account. it has caused my scores to drop a lot. if you can check my credit report from XX/XX/2016 and then check it on XX/XX/2016 that 's when things changed.
This is a resurfacing remark for a previously resolved case. I went through credit repair couple years back to reverse some early learning mistakes I had made.

A credit report from XX/XX/XXXX states an amount of {$1100.00} and acct open date of XX/XX/XXXX.

My credit repair agents closed & settled the unclear remark and removed it from my report for new beginnings.

The remark has been off my report and I have been staying true to my good faith in keeping my Report & Score back on track, Recently having a XXXX score.

Looks like remark has resurfaced with no prior communication or anything to me.

The debt now states XX/XX/XXXX an amount of {$1100.00} and an acct open date of XX/XX/XXXX.

The debt was very vague and unclear from the beginning. Comparing Dates opened and amounts owed do not match Different amounts stated on different occasions.

I don't believe this would be fair to be in my report.
XX/XX/2017 XXXX XXXX is blocking access to my account from a company I authorized to be able to do so / blocking me from enabling external applications.
I received a call from ( XXXX ) XXXX who said they were XXXX XXXX XXXX from an IL number. They told me my name, an old address, my social, and date of birth. After speaking with 3 different people, the last person, XXXX XXXX, informed me that I had opened a Chase Bank Visa in XXXX and it was closed in XXXX due to non payment. Chase supposedly made every attempt to contact me then had it on my credit for 7 years until it was removed then they sent it over to XXXX. Never have I had an account with Chase nor have I ever seen this on my credit. I am worried that I have confirmed all of my personal information for whatever their intentions are and I will not be scammed into paying something fake. Please note I would have only been XXXX in XXXX. 

Collection for : Chase Bank Date of Call : XX/XX/XXXX Debt : {$4500.00}
XXXX XXXX is attempting to collect a debt that is over 7 years old by contending the close date was XXXX when in fact is was in XXXX. A typical tactic from a collection company to change the dates on a debt.
During recent visit to XXXX my Debit Card kept being declined, I chalked it up to the merchants processing as Credit as the individuals just stated decline no reason provided, until I returned home to XXXX and received notification from XXXX XXXX and XXXX that payments rejected. contacted Wells Fargo regarding this and they stated that there was a Fraud Hold on the account as I was making a purchase out side of my routine, indicated that I was in XXXX - In formed that is why, indicated that I was in XXXX the previous month and this did not occur and I was not impacted on the use of my Debit Card - so the practice of detecting fraud is not consistent if it hold true to what I was advised, I have now incurred additional costs to per-authorized providers and now I have to go through the process of contacting all my providers to ensure that they have received there payments. The solution I received from WF is that they will provide letter explaining situation and that I would have to call back in to get reimbursement - however no grantee, now due to the inconsistent Fraud Detection practice, I now have to contact all my per-authorized accounts to ensure them that my account is in deed in good standing and that if not already been paid to please proceed and process the transaction again. Do not understand why I should be incurring additional work load as a result of a policy that is not consistent with in the WF organization
On  XXXX   XXXX ,  2017 , I deposited several checks into my checking account, one of which was in excess of {$5000.00}. The branch manager put a hold on this check thereby making these funds unavailable to me for the purpose to which they were intended, even though the check cleared on the day of the deposit, or at the latest, the next day. The person who wrote the check received a notification that the funds had been removed from their account  one  day after the deposit, on  XXXX   XXXX ,  2017 .  Trust  mark continued to hold the funds from my account for 8 more days, until I personally visited the main Trustmark office and spoke directly with the President of the bank. There was no reason given, nor a reasonable criterion for the funds to be held at the time of the deposit, much less for eight more day, according the Federal Re serve  Guidelines 229.13 Exceptions ( under the section of Availability of Funds ). I have done business with Trustmark for almost thirty ye ars. These funds were not being deposited into a new account, and I have never had an overdraft or a redeposited check. There was " no reasonable cause to doubt collectibility. '' None of the other exceptions under this paragraph or its subsections apply, and the President of the bank could not give a reason for the hold having taken place. I not only was inconvenienced twice, but was also unable to pay off my mortgage with the funds I deposited without having to make a trip to the main branch and speak directly to the  President of the bank. And, for eight days, Trustmark profited from my money. If I had not taken off work for a second day to resolve this issue, I have no idea how long they would have held my money hostage .     I think that I have resolved the issue ; although, I have not seen my final bank statement, nor my mortgage statement. I plan to close  my Trustmark account as soon as my pending transactions have been paid. Be forewarned. This is not the first problem I have had with Trustmark. On more than one o ccasion I have had funds misapplied or " lost. '' With these other small issues, I have resolved the problems and moved on without filing a complaint or changing banks, because changing banking institutions is quite inconvenient, but at some point, the consumer has to stand up and make a statement. If you have had a similar experience with Trustmark, I urge you to file a complaint. Please, keep a very close watch on your statements and deposit slips.
Our mortgage account was transferred from Bank of America to XXXX in XX/XX/2018. At that time we were 30 days late. The status for the Bank of America states it is PAYS 31-60 DAYS. This status is causing our credit report to show a current delinquent account. We accept that the XX/XX/2018 status should show 30 days late ; however, we respectfully request that this account be updated to show the current status is Closed or something to that effect. 

Ive added my full credit report as well as a screenshot of another account from XXXX XXXX that was late when it was paid off but shows that it is now closed. They just fixed it and it went from showing as a delinquent account to closed.
I transferred XXXX from my bank account via SEPA to Coinbase on the XXXX XXXX XXXX 2018. After more than 1 week the money still has not been transferred to my coinbase account or refunded to my bank account. I contacted their customer service and they opened at ticket. My case number is : # XXXX I included the reference code, my identity has been verified and my bank account details are matching to the ones Coinbase has.

The customer support wrote me that if the information is matching, they " might '' be able to find it. This is an insolence because I have it in black and white that Coinbase received my money.

I have n't received any news or updates on the case since 4 days and Coinbase stopped replying to my messages.
My mortgage loan is through Bank of America. I have 11 months until it is paid in full. I received a letter from BofA today, indicating " Reply required, '' asking for date of birth, occupation, and source of income. This information was provided at the time of mortgage application. Hence, I suspected this request to be a scam or fraud. If not, it appears that BofA is not a good custodian of my personal information. The letter states : " Please note : Not providing the required information by the date listed above may be considered a request from you to close your account ( s ). '' I did not appreciate this threat, and quite frankly did not understand what it meant ... to close my mortgage? This is not an open line of credit. It is not clear, did they intend to call the balance due and send me to Collections? For information provided 14 years ago that they did not retain? I called BofA to ask specifically what they intended to do, to close my mortgage. The rep said they would n't be closing it, but I would not be eligible to apply for future loans through Bank of America. I would interpret this to be discouragement, a violation of ECOA, Federal regulation B.
This is troublesome behavior from one of the nation 's largest lenders.
TDBAnk/ Target refused to accept credit counseling agreement and sent me XXXX notices stating that I can workout payment plan.The credit card company has since accepted monies dispersed from credit counseling agency, however keeps piling late fees and from a XXXX credit line I now owe XXXX ever since I had initially enrolled in credit counseling this company will refuse top agree to proposal to purposefully and tactfully raise my amount due quickerTarget acct ID # is XXXX
I recently received a copy of my credit report and I found a number of items on the report that are inaccurate. XXXX XXXX. I always make it a point to pay my obligations on time. If you take a closer look on my credit report there are only two accounts which are derogatory. This is a mistake, please have it taken cared of by deleting it