WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX and Transunuion have been notified that an old Georgia tax lein, file in XXXX XXXX Georgia, has not only been paid in full, but is also released, but is also past the statute of reporting on the CRB. However, these two companies are damaging my efforts to move on, they are making me die inside, they are holding this item on my credit report and refusing to remove it.
My account is on Autopay, and they choose the payment date - I can not change it. Then they charge a late fee when they withdraw it after the due date. It is absurd- they choose the date, manage the withdrawal, and then charge me a late fee- many many times. They have ignored my complaints except to say I can not change the withdrawal date! This is obviouly intentionally deceptive and I have seen other complaints on the same issue with no effort on the part of Navient to resolve or credit me for the late fees. I do n't have any power and yet I am paying my loan honestly every month.
Enclosed are copies of reports on disputes from Equifax. These XXXX disputes were created in the mind, ( or lack thereof ), Equifax. Equifax has now taken upon themselves to create disputes out of thin air. 

I have NEVER disputed : My address ( I know where I live and, this is XXXX of the few things Equifax has right ). 
OR : XXXX XXXX XXXX. Here again Equifax created, by themselves, another dispute. I mean now really, think about this. This account was closed the same day it was opened and NEVER had a balance, Why would I dispute that?
WELLS FARGO-XXXX viewed my XXXX credit report on XX/XX/2017 and XX/XX/2017 without my consent or knowledge. 
XXXX XXXX XXXX via XXXX viewed my credit report on XX/XX/2017 without my consent or knowledge. I have contacted them directly and XXXX disputing these inquiries and they never take any action to investigate or remove these inquiries. Therefore I am asking for them to investigate these inquiries to provide me with documentations bearing my signature that I have authorized or at least known about them viewing my consumer report otherwise, I am asking that they remove these inquiries from my XXXX file.
On XXXX XXXX, 2015 I initiated a money transfer Bank to Bank from my bank ( SunTrust ) to a bank in XXXX XXXX ( XXXX ) in the amount of {$38000.00}. On XXXX XXXX, 2015 I sent another transfer to the same bank in the amount of {$35000.00}. I was informed that the funds would be available by XXXX XXXX, 2015. To date the funds have not been released and the bank refuses to give an explanation as to why it is holding the funds. In view of this I want my money refunded immedately.
Equifax failed to properly protect my PII data, compromising my identity and future creditworthiness. Their bad business practices demonstrate they should not be entrusted with this information in the future.
On XXXX XXXX, XXXX contacted via phone and email advising all three major credit reporting bureaus account that does n't belong to me was being reported ; they advised would investigate the account came back verified then submitted ID Theft affaviadit on to local police and online XXXX/XXXX/XXXX ; the account was removed after all requested documentation was submitted then on XXXX/XXXX/XXXX the account without notice was re-entered on Transunion and XXXX file contact and was made aware of a glitch and that it would be deleted which has not happen. AT this point I would like account removed and blocked so that re-entry can not happen again
This is/was a debt with Capital One. It has been going on since XXXX XXXX. They were receiving payments and not crediting the correct account and when notified refused to check said account and then sold the debt twice and i have been harassed by all XXXX agencies. 

I told and provided paperwork to numerous contacts and not XXXX department took ownership of the problem to investigate and help me. It has had negative impact on my credit report and more.
I have previously submitted a complaint with you guys. XXXX. We have now been forced to short sell our home. Its on the market and has n't even been released from our bankruptcy as of yet. We are seeking legal help and trying to seek help from every agency we can. My husband and I are begging you guys to please look in to all the complaints this company has against them for the same reasons. Please review our former complaint filed with you guys. We need help ASAP. 

XXXX and XXXX XXXX
One Main Financial is reporting to the credit bureaus that my loan was delinquent in XXXX and XXXX. This is not the case. I made my payments on time. I have brought this error to the attention of One Main and also disputed the pay history with XXXX, but One Main will not correct the reporting error.
The student loan was opened originally XX/XX/XXXX and consolidated in XX/XX/XXXX under a student loan consolidation to include all my federal loans. One however did not make it. The loan was then sold to Navient and although I had my loans in hardship forbearance the bureaus still have inaccurate information on my credit report. I was told, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due since XX/XX/XXXX - XX/XX/XXXX on both XXXX  and XXXX. I can't seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
On XX/XX/XXXX J went to XXXX to buy XXXX XXXX XXXX . I have told them that I want to finance it through my Barclaycard Apple rewards card. They have made a charge. My first statement went out fine as it should without any APR charged yo my account. But after I got second statement I was already charged APR 21.85 . I have called Barclays and they told me that I have to call them before I make purchase to make it promotional, but nobody has told me that and my first purchase year ago was promotional without any call. Plus all this happened 45 days after I have made a purchase and they cant change it to promotional purchase due to exceeding 30 days period. Sounds like a nice trap yo me.
They leave no messages. Tried calling number back. " number disconnected '' but get call right back on number. ID says " Synchrony XXXX '' Have received over 50 calls from number for the past 30 days. Listed numberson " Donotcall.gov '' Still calls.
I opened a capital one 360 Money Market account onXX/XX/XXXX At the time there was an offer for a bonus of {$500.00} when meeting the following terms : " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX   ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, youre ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. '' The terms were still up on Capital1 website until XX/XX/XXXX on the following link. ( https : //www.capitalone.com/savings500/ ). That page has been deleted recently but it can still be seen here on ( XXXX XXXX XXXXXXXX : XXXX ). 

I have met every single term by XX/XX/XXXX, and eventually by the end of the offer period had a total of + {$52000.00} deposited to the account. To double check meeting the requirements I contacted Capital 1 on XX/XX/XXXX at XXXX via online chat and spoke with XXXX. XXXX confirmed twice I met all requirements and that I don't need to do anything else to receive the bonus beyond wait for 60 days. The referenced chat log has been attached along with the original terms. 

More than 60 days have passed and bonus didn't post so I contacted Capital1 again  over the phone on XX/XX/XXXX at XXXX and spoke first with XXXX, then a manager named XXXX. Both said I don't qualify for the bonus because I didn't have a " total balance '' of + {$50000.00} and didn't have the funds deposited within 10 days of account opening '' I informed both that those requirements were never in the terms. I read the terms back to them and asked them to specify which one ( s ) I didn't meet and wondered how does this fit with my previous correspondence with Capital 1 and XXXX on XX/XX/XXXX. They acknowledged the existence of the notes from XXXX but never the contents of them, and they kept going back to not having a " net balance '' of {$50000.00} which was never advertised originally. 

On XX/XX/XXXX Capital 1 and I entered into an agreement. I have done all what was asked of me and I even double confirmed that when the offer period was still active to make sure I have done all I need to do. Capital 1 did not honor that agreement.
I have been trying to get a modification for XXXX years from XXXXservicers. XXXX was the XXXX servicer who set up thetrial modification but never finalized it. They sent a lettercongratulating the finalization but never sent the packet by XXXX. Ocwen received my loan XX/XX/XXXX, 2010 but stop taking payment on XX/XX/XXXX2010. The reasoning was the investor does not acceptmodifications. 
I need some help resolving this issue immediately.
I was sued for a debt owed {$4400.00} and the lawyers added interest and their fees and now I owe {$7700.00}
Chase is holding my funds account number XXXX and XXXX, based on what XXXX XXXX XXXX from JP Morgans back office told me that " XXXX XXXX XXXX asked us to put a hold on your funds ''. I asked do you have a chase number, they said " no '' I asked for information and the XXXX XXXX XXXX  XXXX gave me this phone number.XXXX. When I called that number it was in fact XXXX XXXX XXXX 's Fraud check line. When i kept calling chase for a reason they keep bouncing me back and forth with untruths, telling me XXXX XXXX XXXX no longer had it, it was now in Fraud recovery and Loss Prevention. XXXX. When I called this number they told me it was with XXXX XXXX XXXX  again which is Chases Inner Global Securities and Investigations department. Back office again. So here I am getting nothing but disrespect. Treated like I did committed some crime, was under investigation for suspicious dealing or what ever they wanted to assume. I called XXXX XXXX XXXX XXXX MANY times and left recorded messages about the circumstances about my MOTHERS false claim on me, which began this closure of my accounts for {$35000.00}. All of my funds have been cleared since XX/XX/2017. So I am not given any reason, treated like a reprobate dog, not ever asked for me to explain or give evidence into what they are investigating. Chase is NOT OUT ONE PENNY AND I OWE THEM NOTHING!!! 
I realized my mother filed a claim against me 8 months after the fact and since she has had her banking records in a documented visit to B of A to go over all her past months statements and transactions. PLEASE SEE THE AFFIDAVITS I HAVE SENT TO XXXX XXXX XXXXXXXX. 
ALSO NOT XXXX XXXX  XXXX AS TO TODAY IS IN RECEIPT OF DOCUMENTARY EVIDENCE AND AUDIO /VIDEO 'S PRESENTING INDISPUTABLE EVIDENCE THAT MY MOTHER GAVE ME PERMISSION TO DO THESE TRANSACTIONS WHEN SHE WAS CRITICALLY ILL. 
I have sent 3 affidavits to XXXX  XXXX XXXX last week and there is Affidavit # 4 which I am attaching a draft of that will be faxed to Check Digital Frauds Claims department XXXX. They are also in receipt of a dvd with hard evidence that my Mother is not of sound mind now, and in her own voice gave me permission and authorization for the transactions now in question from her filing a false claim against me with XXXX  XXXX XXXX, long after the requirement and her documented knowledge of all these transactions. CHASE BANK HAS NO LEGAL RIGHT TO CONTINUE TO HOLD MY FUNDS AND I am attaching the 4 affidavits to XXXX XXXX XXXX so they can have more insight to the fact and clear up any delusions about wrongful actions on my part and unauthorized activity. I want my funds bank from Chase ASAP
I signed up for american express platinum card on XX/XX/2016 because i saw them advertise ( XXXX Membership Rewards Points if you spend $ XXXX in the first 3 months ). After spending $ XXXX in 2 months, i was awarded the points. When i went to redeem the points, XXXX put a block on the points and are investigating my account. I called them and see what is going on but was not given any reason or timetable to when the investigation will conclude. This is false advertising. I paid all my bills in full and my balance is XXXX. I did not do anything wrong to be treated like this. I have many XXXX cards and this is the first time i 'm being investigated. 
please help
I've contacted Experian about fraud. XXXX XXXX XXXX / XXXX XXXX XXXX added a XXXX XXXX line of credit, that was fraudulently obtained in my name, to my credit report. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but XXXX XXXX XXXX has added it back to my credit profile with themselves listed as the creditor. 

XXXX stated they can not find a credit file with information I submitted to them. I've attached the police report and supporting documents outlining the fraud.
I have 10 private student loans which are serviced by American Educational Services. I have paid these loans on time for over three years. This has been a struggle paying these loans, but I do not want to ruin my credit. I have contacted them monthly to ask for assistance in reducing my payments for the loans which are NCT. I sent in a request in writing in XX/XX/XXXXwhich was never acknowledged, I have also asked for copies of the notes that I signed twice, in XX/XX/XXXX and  again today, XX/XX/XXXX. Today, I called again after seeing a reduced payment schedule for the NCT loans on their website. I was told by the rep that this does not apply to me. I asked to speak to someone above her and she said no one was available and I would have to call back. Lastly I asked for the phone number for NCT and she informed me that they were told never to give the NCT phone number to anyone. I have not been treated fairly. I forgot to mention, the woman informed me that I need to stop paying these loans and someone will assist me.
None of the XXXX bureaus were able to provide me with a report. They say the information I entered does n't match what they have on file. However, I know a little more : a while back, I was looking into a car loan with my local bank, and the loan officer who ran my credit check ( who knows my dad ) came back saying that while he could n't approve me, he noticed that my dad 's credit history was mixed in with mine for some reason. We do n't have the same name ; how can I get all three of them to fix this error?
As stated in my previous Complaint against TransUnion. See Below ; Transunion is Seriously dismissive when you talk to them on the phone. Obviously, they do not teach Customer Service Skills. My credit score was recently bumped up to over 700 for the first time in my life and after working on my credit for the past 5 years. I was awarded a {$5000.00} credit limit with a retailer in order to obtain a gift for my wife. I used {$660.00} of that credit which works out to just over 10 %. Although my credit report shows I have 100 % payment record and only 14 % of my entire credit limit ( I have 4 credit cards ) none of which are delinquent. TransUnion DROPPED my score by 136 points in a 24 hour period. Nothing had changed on my report except the retailer had reported my {$5000.00} limit. TransUnion had been the only credit agency that allowed this to happen. It had no effect on my score with any other agency. I called them ( Transunion ) several times with no result and a very dismissive attitude in which they offered no guidance, no offer to assist in anyway. No explanation as to way this happened, no offer to investigate, ZERO assistance. I am now taking Legal steps against TransUnion and reporting them to every Federal Agency concerned with consumer credit. 

This has not been resolved to my liking. This is a pathetic response and my credit score only gained 100 or 136 points originally taken from me. 

While XXXX ( who is an abomination in itself ) lowed my score by only 4 points after opening this {$5000.00} account, TransUnion somehow believes I should be okay with a 36 point decrease in my credit score. I'm 1000 % sure they have NO GROUNDS to stand on when making that decision and down-grading my score to what ANYONE would believe is an exorbitant number of points. 

I want this repaired and I want a REAL explanation as to why this happened. I will continue to file complaints over and over and over ... ...
Equifax was negligent in safeguarding my personal information opening the doors to the potential of lifelong identity theft. They also did not notify me in a timely manner when the data breach was discovered.
Plain and simple. I applied for a mortgage in XXXX of 2014 with Everbank and we closed our loan on time, but not without the threat of a lawsuit in order to make it happen. After we closed we received a copy of a XXXX that Everbank sent on our behalf to the IRS to obtain our tax returns. Unfortunately, the signatures on the document were not ours. Someone in their operations department forged our signatures and submitted the request. I notified our loan officer and she submitted a Suspicious Activity Request ( SAR ) within Everbank. Unfortunately Everbank eliminated her job and her co-workers ' in XXXX of 2014 and I have heard nothing from my lender. I am filing this complaint due to their lack of communication on any resolution/findings and for simply forging our signatures.
XX/XX/XXXX I received an offer to apply for a Discover credit card in the mail. My family and I were going on a trip to visit family in XXXX so I thought it was perfect timing as I could use the card for expenses. At that time, I had a credit score of about XXXX according to Discover and was given a credit limit of {$5500.00}. Unfortunately, due to a inaccurate negative credit reporting by XXXX, XXXX my credit score was lowered substantially. As of XX/XX/XXXX XXXX, XXXX has agreed to remove any and all negative credit reporting from XX/XX/XXXX through XX/XX/XXXX. This was the only negative item on my credit reports. Once Discover was notified that a recent approval 's credit score had been lowered they decreased my credit limit from {$5500.00} to the current balance which was approximately {$2000.00} ( hotel in XXXX and an XXXX ). Now my credit score has been hurt even more because this Discover Card reflects as a " maxed '' out credit card on my credit reports. I understand Discover has to do their due diligence but this was just a snowball effect that I lost sleep over trying to stop that began with the incorrect and inaccurate negative information reported from XXXX, XXXX. I am not in financial despair. I actually received a pay raise from my employer this week, an employer that I have spent 10+ years with. Also, to make matters worse I received a call from Discover asking about my financial well being since I had a maxed out credit card. This was disheartening. Although polite, the Discover Card representatives did not know how to handle the situation once I explained it. Their only direction provided was to apply for an increase. Obviously I did not do this as it was just cause continued problem. I understand the financial world. However, this was not my fault and reducing my limit only made my situation worse. I am a honest customer. I am a loyal customer. I always pay my bills. I have never and will never file bankruptcy. And most importantly the situation that caused all of this was not my fault.
Citi Bank has set up such a ridiculous infinite loop of stupidity that it surprises me that it can operate as a company!!! 

Its XXXX Department needs a Fraud Department to monitor it! 

Upon receiving an automated phone call from that department in response to a recent transaction I had attempted to put through, the questions that the system asked were unanswerable do to the lack of detailed information provided regarding the transactions to verify, however, I still responded as " confirmed '' for those transactions just to try to get it resolved. The " electronic operator '' then states my card is cleared, yet I could not even purchase a bowl of pasta afterwards! Then, when calling the Fraud Department later to talk to live people, I 'm told that the 24/7 fraud department is unavailable and to call back in a few hours!!!! Thank XXXX I was't in an emergency situation!!!!! The Citibank Fraud program needs a serious overhaul, I am sooooo disappointed in this company! And, this in NOT the first time this issue has occurred!
A thief reproduced a copy of our Bank of America Mastercard/debit card and used it in multiple instances. On XX/XX/2016 the thief used the card at XXXX XXXX in XXXX, Georgia once for {$730.00}, then for {$380.00} the same day. The funds in the account were exhausted and the thief continued to attempt to use the card 8 more times unsuccessfully. Bank of America is claiming that this was not a case of fraud, implying that we did this ourselves. They are refusing to pay us back the amount of {$1100.00}. We obtained a police report.
Re : XXXX XXXX Account # ending XXXX XXXX XXXX XXXX Credit Limit {$8500.00} Account Holder XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX Daily High Balance {$9900.00} My charge card credit limit is {$8500.00} ; but I do not agree my Daily High Balance was ever {$9900.00}. 

I am certain I have never charged over my credit limit ; and if I had, XXXX would have notified me.
Cach LLC ; Contacted me at my employer XXXX. I ended up having to speak to a representative once because I answered the phone while working ( that was part of my job title ). The other occasion was calling my employer to asking for me and representitive leaving a number to call back. They have also, found a family members number and called them asking for information about me, luckily they denied knowing me. I have now been sued by them, even though ( through much headache and research ) I discovered the court papers were delivered to a wrong address and sued in a county that I never resided in, but since the papers were deemed " delivered '' ( from what I was told ) I missed any chance proving my case and now facing wage garnishment unless I file bankruptcy.
The latest date was XX/XX/XXXX ; however call several times daily and weekly looking for daughter. 

Have shared there is no additional information we have to offer and that we do not have contact information. 

Made repeated requests for caller to stop calling. 

Callers also identified that daughter was " running a business out of home connected to number ''. This information is false, inaccurate, and did not request to know nature of call - however this was provided.
XXXX client XXXX XXXX is a victim of identity theft. A previous dispute of this was mailed to Capital One fraud department however the office mishandled this as a durable POA and it is NOT. This is a dispute of identity theft. She received a Capital One credit card via mail that she never requested or applied for. It was determined her information was used without her consent to establish this account. ( Acct ending XXXX ). Capital One has failed to conduct a proper re investigation of fraud as outlined by the FCRA which is a violation of my client 's consumer rights.
Noticed a charge of XXXX. Called to dispute the charge was told I was bring charge for payment protection plan with discover card. I never signed up for the service but for some reason I was enrolled. Was transferred to have the service cancelled and was told that I had been enrolled since 2010. I asked for a refund for all the fees of the service but they told me I could only be refunded up to 6 months back. I talked to multiple representatives only to be told the same thing. Only going back 6 months was possible. That is n't right considering I was being charged for 8 years.