WillisBack/dataset-financial-user-claim huggingface dataset:
On Friday XXXX XXXX, I called Netspend to inform them that I would be going to Florida and then the XXXX. I was told that I did n't need to inform them, and that if they questioned the purchase that they would contact me, I would call them, and then verify that I was trying to make the purchase. I used the card in XXXX. I shopped at XXXX and at XXXX, then went to use it at the atm machine in target to remove XXXX dollars. That 's when I realized that it was blocked. I called later that night to verify my identity and was told that the verification dept was closed over the weekend. I explained the situation to a supervisor that I would be out of the country with no money with my children, causing me to miss my cruise, and that the call agent said nothing about not being able to access anyone over the weekend. He then forwarded my complaint to corporate. While I was out of the country and unable to get calls, I recvd a call from NetSpend, and a call from XXXX at corporate. I attempted to call Netspend several times when we arrived to the XXXX on Tuesday the XXXX, and also called XXXX and left a voicemail. I still received no feedback that entire day. I continued trying to call netspend but to no avail. When I arrived back in Florida on XXXX XXXX, I called Netspend and was told that there was a question of fraud on my account. They put me on hold for 40 minutes. I hung up and called XXXX in corporate again and he answered. He called the fraud department and they still did n't answer. He assured me that he would walk over and see why they were not answering. He did as he said and called me back and told me that the fraud dept. said that XXXX was a male and that I needed to have him call in. I explained that yes I had a males names, but was indeed a female. That I could send them my ID, passport, and other information to prove that I was female. I told them to call my employer to verify that I was female. That I had had the card about 1 year and never had there been a question about my gender or XXXX. He forwarded me to the fraud dept without even listening, and I continued to have the same argument with XXXX in the fraud dept. NO one would listen to me. I asked them to pull any calls that I made over the last year of having the card and they would see that I have always been a female. I told them that this was XXXX and gender discrimination, and then XXXX stated that this was not, and that she could no longer discuss any details about the card with me seeing that it was n't my card. I was given a fax number and requirements to send in. On Friday morning I sent in a copy of my Driver 's License, Water Bill, and SS card along with my reference number. I called Netspend at around XXXX XXXX to see if any additional information would be needed. The agent told me that they needed 4 hrs to see if they recvd the papers, and as of now it was not showing. I then called the FTC to find out my rights., I called back to see if I could get the email address. And again, the phone just rang and no one ever came to the phone.
I was advised by my credit reporting company to get copies of my credit reports. 

I requested 3 reports. It only showed my XXXX report, but not the other 2 reporting companies. 

I am unable to identify information that is on my report, ( lack of company names and identifiable information ). 

I was unable to get through to Annual Credit Report. 

Unable to speak to a customer service rep. 

Unable to resolve. 

There is no place on their website to request all three to be mailed, only print, the only one was XXXX, NOT XXXX XXXX or Equifax.
My original mortgage was taken out in XX/XX/XXXX, and my former financial advisor " XXXX XXXX XXXX '' refinanced it XX/XX/XXXX in his home town of XXXX & proceeded to do XXXX refinance ) my mortgage 6-7 more times by using the " MERS '' system & " HECM '' I have been a resident XXXX since XX/XX/XXXX.He took my condo out of homestead status & lited it as an investment loan/property by forging my name
Since XX/XX/XXXX and XX/XX/XXXX, several times via USPS certified mail, I made timely and proper disputes for the removal of several inquiries on my credit file that I did not authorized. The bureau immediately told me that Inquiries are generally a matter of fact and that under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. In writing and by telephone, I let the bureau agent know that I did not authorize these inquiries and that the FCRA requires that all inquiries reported by the bureau must be or have been authorized by me. The bureau did not remove the inquiries and informed me that all of the disputed inquiries will remain on the credit report for a year or two and that they " should not '' hurt my credit score. These inquiries have and are still hurting me and my credit score because they are neither factual nor authorized by me.

The disputed inaccurate and unauthorized inquiries are : 1. XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 2. XXXX XXXX CC # XXXX ... ... ..Inquiry : XX/XX/XXXX 3. XXXX   XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 4. XXXX   XXXX/XXXX ... ..Inquiry : XX/XX/XXXX 5. XXXX XXXX ... ... ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX XXXX ... ... ... .Inquiry : XX/XX/XXXX 7. XXXX/XXXX ... ... ... ... ... ... ... ... ... ... ... Inquiry : XX/XX/XXXX
XXXX XXXX XXXX is reporting wrongful payment status in XXXX and Experian credit report. My Experian credit report shows late payment for the month of XXXX, is false information attach is payment receipt. made on time.My payment due date is was not until XX/XX/2017.
After the flood  of   XXXX   2016 i n  Louisiana, W  ells Fargo  is refusing to release insurance money after completing 50 % inspection with a 65 % completion rating. They will only release funds to m y contractor who is responsible for labor only. I have submitted paid invoices showing credit card payment in the borrow 's name for cabinets and flooring. Still the mortgage company refuses to pay and says will only   release the funds after a 100 % inspection to borrow for the remaining amount that is over the general contractors estimate. This policy is not documented or explained but enforced internally in the mortgage company. This is a bad policy that harms the borrower who is with good faith upfront and transparent and  has complied with all request from the mortgage company. The mortgage company employee 's have three times submitted requests for funds to be released and somewhere in the management chain the request is d enied and borrower is not allowed to speak with the people that are making the decisions. Again this unwritten policy is harmful causing the borrow financial hardship.  I have paid out of pocket. 1 ) for flooring {$3700.00} 2 ) for cabinets {$14000.00}. I should have to wait months for 100 % completion to be made whole for the expenses that are paid out of pocket.
I have tried twice on Experian 's website and then once on free credit report.com to get my credit info. Their site comes back that they can not provide the info with my information. I ca n't get ahold of them to figure out the issue. Thanks, XXXX
My husband recently died a tragic death. He had a XXXX credit card that I was not aware of. He was the primary cardholder. If I was an authorized user I did not know it. I gave XXXX notice of his death ; provided information to close out his homeowner and auto insurance and started a new account with XXXX. I was in the early stages of refinancing our home and a derogatory credit comment showed up on my credit report XXXX : my deceased husbands XXXX credit card. I called XXXX and spoke to someone in the credit card department and explained the situation to them, I was told there was no derogatory or negative information on my credit from them, I was referred to the credit dispute department : Credit Bureau Dispute over Deceased Accounts and I was told to fax a letter to them, they will review, and it will take approximately XXXX days before it is removed from the respective credit bureaus. I completed all that I was told to do and the letter was faxed XXXX XXXX, 2015. It still remains on my credit report and refinancing my home is on hold. I have not anything further from this department or XXXX.
Are use a company called prime lending and the agents name was XXXX XXXX XXXX was very misleading and also very unprofessional and doing the paperwork to be able to close on my loan in a timely manner. XXXX continually was making mistakes with the paperwork causing The closing date XXXX XXXX also lied on was going to throughout the whole process I was told I was going to have an interest rate Of 3.5 % down day of closing which is when I finally seen the final paperwork that Im supposed to buy law have three days advance the interest rate was XXXX XXXX my house payment was supposed to be made {$900.00} range to lower {$1000.00} range and ended up being closer to {$1200.00} very I did not complain about not having my final paperwork for the miss leading of the interest rate due to all the other issues I had closing the loan and the homeowner was going to back out of the sale we did not close that day because due to XXXX mistakes she was actually XXXX and I was about to be homeless as Ive already gotten out of my current lease where I was living ultimately I was affected by the XXXX  security breachAnd I dont believe the effects of the breeze wouldve been so bad that I close on my loan when I was supposed to be gained access to my bank account eventually take me over causing me Not to be able to pay my mortgage as they turn the account over they also gain access to my Social Security number drivers license number date of birth and other sensitive information
Today, I received the second call from Executive Financial Consultants regarding a debt they were attempting to collect from an exam I had back in XX/XX/. 
I told the collector, a young woman, that I had paperwork explaining my coverage, as well as paperwork from my insurance company that my exam was fully covered and no bill was due. I asked how I was to go about disputing this debt. The collector was extremely rude, so I asked to speak with a supervisor who would be more helpful and less condescending. The collector rambled off something even more derogatory and put me on hold. Eventually, a recording came on and said my conversation would be recorded. Then, a man got on the line saying he was a supervisor. I explained the events that occurred and that I was looking to resolve this collection issue. The man began to argue with me and said the only way to resolve my debt is to set-up a payment plan with Executive Financial Consultants. I told him I had paperwork that I want to turn-in, which said I was covered by my insurance and asked how he suggest I go about disputing the collection from my medical exam back in XX/XX/. Again, the man began to argue with me and did not offer any kind of route to help me resolve this problem. When he finished what he was saying, I told him " thank you for calling, but I'm going to contact my insurance about the issue and try to get it resolved some other way since they weren't allowing me to dispute it with Executive Financial Consultants. '' The man then replied " WHATEVER, '' and hung up on me. 
Perhaps customer service isn't part of their job at Executive Financial Consultants, but there's no reason these people should be so nasty. At the end of the day, aren't we all on the same team? Let 's help each other, instead of attacking one another. 
I would like something to be done about the attitude of the people who work for and represent Executive Financial Consultants.
all XXXX credit reporting bureaus are reporting wrong dates opened and wrong balances on my credit report. They are refusing to remove past collections, and unauthorized inquires. Please help.
My grandson,  XXXX   XXXX ,  XXXX  in  XXXX    XXXX  . He had a private student loan that I had cosigned for him. I have asked the loan agency to forgive this loan, but they refused. The loan agency is   XXXX   XXXX   XXXX    XXXX   XXXX , which is serviced by ACS Education Services (  XXXX   XXXX  ).  XXXX  's student loan account was  XXXX , and my account is  XXXX .   XXXX   XXXX    mother is on  XXXX   (  $  XXXX   )  and I 'm  XXXX  and working to supplement her  XXXX .
On the first Wednesday after the XXXX of XXXX, my Social Security check was reduced by {$280.00}. 
Credit company told me they mailed several months of notices to a XXXX XXXX XXXX address. This is not an address that I know, & I never received any calls. 
They stated they were taking out $ 400+ this month. I only have SS & $ XXXX  monthly retirement to live on with my wife. Help Please. Give me an address & I will mail you 100 % of my documentation.
I have damage to my roof and my insurer has paid a claim by check. The check was made payable to Ditech and me, individually. Ditech required me to endorse the check to them and send it to them. They then took 4 weeks to return a check to me. The check they sent to me was payable to my roofer and me. My bank will not let me deposit the check unless the president of the company, who endorsed the check for the roofer, is present. 

I've asked for a new check to be sent payable to me individually since I've already paid the roofer. Ditech will not do that.
In XX/XX/XXXX, I agreed to co-sign for my son 's USAA Consumer Lending auto loan. My son, being in XXXX and myself in XXXX XXXX he was apparently allowed to e-sign for me but I did receive a call from USAA to secure my identity and ensure my consent as co-signer. 
In XXXX, USAA consumer lending allowed my son to refinance this loan without my knowledge or consent. I was unaware of this for several months and have made numerous attempts to have myself removed from this loan without success to include a letter from my attorney on XX/XX/XXXX requesting proof pursuant to the ESIGN and XXXX acts as well as state law. I confirmed this letter was on file on XX/XX/XXXX and was being investigated by the consumer lending fraud department to whom I 've never been able to speak and been dropped from the call to consumer lending after being on hold for lengthy periods. Recently I 've discovered that there is no consumer lending fraud department, just a fraud department. I 've been given several reasons USAA consumer lending department insist I 'm co-signer on the loan legitimately such as : We sent you an e-mail and you did n't reply with objections, you agreed to do business electronically and receive documents electronically. Your son gave us the last XXXX digits of your SSN ( further questioning of requirements in this phone conversation, USAA consumer lending said I had to be in the same room where my son e-signed. I was in XXXX and he was in XXXX. 
I the mean time I 've received derogatory information on my credit report and a threatening letter from USAA. I have been with USAA for almost 30 years and always received fair and respectful treatment, until now. Only the consumer lending department, quite a few representatives, have lied or misinformed me.
I have inaccuracies on my report. It shows Judgments that have been settled as being still open and Student loans that have been paid as open accounts, I would like them to review and update my entire report.
Around XXXX 2015 I opened this account. I made payments on time for a long time every two weeks. I had to get a divorce due to a XXXX marriage. I called them to work out new arrangements said they work with me and I was in no danger of getting reported to the credit bureau. They never reported all the payments I made on time. However without notifying me they reported me negative with Experian. The fair credit reporting act states a creditor is suppose to notify you when it supplies negative info to a Credit reporting agency.
LONG STORY SHORT one main financial allowed ME TO BELIEVE I WAS GETTING A AUTO LOAN WHEN IN REALITY IT WAS A UN-SECURED LOAN AT A INTEREST RATE THAT IS SO UNFAIR, IT WOULD BE CONSIDERED ECXTORTION. THEY BREACHED MY CONTRACT THEY GAVE LEGAL ADVISE TO THE LENDER AND TRYING TO CHANGE MY CONTRACT TO SOMETHING SO OBSERED IT DOESN'T MAKE SENSE. THIS LENDIND COMPANY SHOULD BE INVESTIGATED FOR THIER COMPLETE LYING AND STEALING FROM CUSTOMERS.
XXXX XXXX XXXX XXXX XXXX reporting that I was late when I was not. They are indicating that i missed a payment when I did not.
This is a formal complaint that Equifax is NOT reporting accurate credit information. An account was placed under my name erroneously. Since then, Equifax has damaged my name, and my credit. Equifax has entered derogatory information into my credit file. 
A request has been made for the company to provide validation of this debt. So far, the company has not comply with this. The current account is a false account which I 'm not responsible for. 


Account name XXXX Account number XXXX .... 



Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX
Roquemore and Roquemore has been contacting my family members and former in-laws regarding a debt that has been verified as fraudulent and removed from my credit report already. A number of years ago, a distant relative established an identity utilizing my middle and last names with alternative residence, identification, and social security information. He was then able to secure credit, a residence and even an on-going vehicle loan. I have worked diligently to have these items removed over the years. As often as I have been able to, I have contacted creditors to have statements and accounts forwarded to me for legal purposes and to contest debts. There is a fraud affidavit affixed to my credit report, as well as other protections to prevent new accounts from being established. Now Roquemore & Roquemore is calling threatening my family members and demanding that the location of a vehicle be disclosed. I reiterate that this is not my account, I do not possess this vehicle and we have no contact with the family member that committed the fraud. The fraudulent social security number ends in XXXX, which is NOT my social security number. When I attempted to call and explain this, the representative presumed that I was lying and became livid and started screaming. I asked that they provide me an address where I could submit proof of this being a case of fraud, yet she threatened that continued calls to my family, landlords, employers and the like would continue if I did not provide the vehicle. I have promptly called an attorney and had them to draft a cease and desist order. They ( Roquemore & Roquemore ) have made no efforts to validate this debt, or it would become blatantly obvious that they do not have my true social security number or name. The original creditor ( XXXX XXXX XXXX ) employed the same tactic of skip-tracing and attempted to add my full name and social security number to the account, which warranted the item being removed XXXX by the credit bureaus.
I am a homeownership advisor with XXXX XXXX. On XXXX/XXXX/15 I submitted an RMA to SLS and received fax confirmation. I called today to check its status and was told that it had not been received.
Ive activated this new app called active hours which allows me to get my money in advance but it says there is a problem with my bank.
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX and XXXX XXXX XXXX.
I have disputed a medical bill because they will not provide the details of the bill or any information of the bill. I see that it was removed from my XXXX credit report but continues on my XXXX report. I would like it removed from all of my credit reports.
I was told that if paid in full this would be deleted from my report. I did not get this in writing but did get audio. They convince people to pay by promising things that they do not deliver.
In 2011 my debit card was lost/stolen I had just moved to XXXX Ga. The bank contacted me ( SunTrust ) and asked had anyone used my card? I responded no as I checked my wallet and noticed my card was n't there. So someone had used my card, deposit checks and withdrew money. They were to do an investigation but know one contacted me after a week so I was guessing that everything thing was ok but it 's not. This issue is stopping me from opening a bank account at XXXX Bank. I called XXXX the lady advised me that it showed that 's it 's clear but it 's still showing up. I want to get this cleared as soon as I can. Thank you.
THIS IS A FRAUDULENT ACCOUNT THIS IS A CHANCE FOR XXXX XXXX TO ANSWER THIS PROOF OF CLAIM.
I have Capital One Credit Card, and I was responsible customer, until I had accident. I wasn't able to work almost one year. During that period I had a hard time to make payments.
I wrote Transunion in XXXX requesting an investigation into errors on my credit report. It is now XXXX. NO RESPONSE! This is a violation of Federal law
I worked very hard to pay down my credit card balances and improve my credit score. Transunion for some reason has the same credit card on my credit report XXXX ( no other credit bureau has this mistake ). I have phoned several times to have this issue remedied. When phoning the first time in early XXXX, I verified with the representative that both of these items had the same account number, an obvious duplication. I was told an investigation would take place, which might take 30 days. I am not satisfied with this response, particularly with the duplication being so obvious. I then followed up with XXXX who then sent me a letter via email, verifying that I only have XXXX credit card account with them. I faxed this to Transunion who stated that this new item would be reviewed within five days and a determination made. I instead received a letter stating the new documentation would extend the investigation to XXXX XXXX. This is unacceptable. This issue is affecting me financially and emotionally. I am trying to secure a home, but can not because of this issue. My family is planning to move, but is delayed because of this issue. I am being denied because of my Transunion score which is inaccurate. I am attaching all documents sent to Transunion.
FIRST FED CREDIT CONTROL XXXX, OH XXXX XXXX IS SHOWING UP ON MY CREDIT REPORT AS A COLLECTION ACCOUNT AND ME OWING {$29.00}. THIS ACCOUNT WAS PLACED IN BANKRUPTCY XXXX Case Number XXXX.
Wrong names and initials, wrong address listed, accounts listed not mine some over seven years, wrong employers listed. Accounts I do currently hold not listed. Current employer not listed.
They call every XXXX days threatening me that i commuted bank fraud and if i do n't call they are going to prosecute me. I returned XXXX call and the lady on the other line told me " i have XXXX leans and XXXX judgments against me and good luck in court you loser ''. I told her what they are doing is illegal and she hung up. I have the last msg they left me XX/XX/2015.
XXXX XXXX  closed my account XX/XX/2017 and charged it off ... Ive reached out and they deleted the whole account off my XXXX but on XXXX and XXXX they report late every month since XX/XX/2017 on a charged off account ... that is very inaccurate.. and I would like it deleted from my report
this debt, original creditor capital one account XXXX was settled in full with a partial payment with the original creditor capital one, they cashed the check submitted which noted partial payment for payment in full on it, the origins creditor subsequently a few days after cashing the check illegally sold the debt to XXXX  XXXX XXXX who has all the pertinent information but illegally leaves the trsdeline on my credit reports