WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Equifax and XXXX by phone and by mail to dispute and have incorrect information removed from my credit reports after receiving the information directly from the companies. I have contacted Equifax and XXXX  the entire month of XX/XX/XXXX and XX/XX/XXXX by phone and U. S. postal mail. The companies also sent Equifax and XXXX letters asking them to remove the information from my credit report as well and they are refusing to do so. Both credit agencies keep telling me that they can not remove the information only the companies can. I contacted the companies and they told me that they have notified Equifax and XXXX and that they will have to remove the disputed information not them. I have mailed letters and contacted them and I am not getting anywhere. The information still remains on my credit reports and Equifax and XXXX is refusing to update my credit reports to reflect the correct information. I need assistance in this matter and the only other option I have left is to file a lawsuit against Equifax and XXXX. I need assistance and for this information to be updated ASAP. The law states that information that is disputed must be updated or removed if not both. I am looking for my credit scores to go up with Equifax and XXXX based on this information being removed from my credit reports. As of today the information is stil on my credit reports and Equifax and XXXX is refusing to remove it. I have gotten no where with calling them and paying lots of money mailing the same information to them to remove the disputed information. XXXX is the only credit agency that has updated this information without incident or problems. Once the information is removed from my credit reports I am also wanting to ensure that my credit scores do go up as well given that I've had so many problems with Equifax and XXXX. Please assist me in this matter ASAP. I am up for renewal of my security clearance and I need for this information to be updated ASAP. Thank you for your prompt attention to this matter.
my loan was referred to them to have lower payments and the payments were very expense and not fair because the school that i am repaying the loan for was closed down due fraud. I was looking for assistance with payments that was within my budget and the payments they calculated were very expensive. and they always suggested forbearance now i am behind because i could not afford the payments.
Wired $ XXXX USD to CoinBase on XXXX XXXX, XXXX. Was told the wire was rejected around XXXX that evening, but the bank shows the charge as being accepted. I was sent a message explaining why the wire was rejected and that it would be returned in 3-5 business days. It is now XXXX XXXX, XXXX and have had no luck dealing with Coin Base through any of their 3 forms or support.
There are XXXX inquiries on my report which I have never authorized and I have asked Equifax to please review and remove the inquires off of my file. I never authorized XXXX, XXXX or XXXX XXXX XXXX to pull my credit report. Yet, I have inquires from them reported since 2-3 years ago. I have tried to contact the bureau regarding these incorrect items and I have not received a response for my letters mailed on XXXX XXXX. I do not understand what is going on. These inquiries are affecting my student loan interest rates and I would like them to do the right thing and remove and investigate these companies that have accessed my account without my verbal or written permission.
I received a call from XXXX XXXX stating that XXXX XXXX XXXX was reporting on my credit report as in collections. The amount shown to be in collections is XXXX. The address of XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX, Tx XXXX and their telephone number is ( XXXX ) XXXX. I do not know who these people are and after speaking with them they could not verify any information. Please have them delete my information from XXXX.
On XXXX/XXXX/15, my car was vandalized and my purse was stolen out of my car, including credit cards, checks, my driver 's license etc. The incident has been reported to the police, and my insurance company. I cancelled all of my cards that day, and I notified my bank, XXXX XXXX XXXX XXXX. Please refer to attachment C for the police report, and attachment F for the report from the autoshop. 

On XXXX/XXXX/15, the thieves took out XXXX money orders with Money Gram over the internet using my license and my checking account information. This took place while I was physically at the bank. The bank immediately reversed the money, and credited it back to my account. My bank also notified Money Gram that this transaction was fraudulent on the XXXX of XXXX. 
Please see attachment D for the transaction records to Money Gram, and charges made XXXX. 

On XXXX XXXX, I recieved a letter from XXXX XXXX XXXX indicating that I owed money. I responded to XXXX explaining the situation, and that this had already been reported to Money Gram on XXXX XXXX, 2015. I included a dated letter explaining the incident, I included the police report, the records from the autoshop, the bank records showing all of the fraudulent charges, and the letters from XXXX for verification purposes. 

On XXXX XXXX, 2015, I recieved another letter from XXXX explaining that I owed money, even though I had responded on the XXXX of XXXX explaining the whole scenario. 
I am usure of where the money was transferred, but XXXX and Money Gram should follow up with the recipients. 

I am officially filing a complaint against Money Gram and XXXX XXXX XXXX for irresponsibly sending out collection notices after being supplied an official explanation of events.
I temporarily became over 60 days late on my Greentree mortgatge for a rental property. Greentree sent and charged me for an inspector to visit the tenant occupied property. The inspector told my tenant I was in " forclosure! '' My tenant immediately called me asking many questions. I wrote Greentree 's customer service deptartment asking for the name of the inspector they sent because I wanted to file a complaint for releasing my private credit info to another person? I have not received any response from Greentree what so ever!
On XXXX XXXX, 2016, my vehicle was a total loss, which was reported to American Credit Acceptance. I had full coverage insurance with XXXX insurance, and XXXX insurance, which paid off the {$10000.00} balance. American Credit Acceptance insisted I still pay the monthly payment of {$270.00}, which I finally did, because they reported a 60 day late on my credit. I am requesting that this late charge be removed from all XXXX credit bureaus. There was no payment even due when the vehicle was declared a total loss. They have reduced my credit limit by XXXX points. Account # XXXX
This complaint is against American Express ( hereinafter AE ) regarding their repeated attempts to collect an amount that is inaccurate, and based on a breech of agreement on their part, whereby, the AE that dates back to XXXX 2014. The account agreement interest rate on the account should be 18.24 %, and is now being billed at over 29 % in violation of their own agreement. 

The account in question is being overcharged, and and shoped around to various credit reporting agencies in an effort to mar my credit and reputation, and causing me to be unable to obtain other credit. 

In addition, the AE account in question and appearing on my personal credit report as a negative item is a business account for XXXX XXXX XXXX, XXXX and should not be on my personal credit report. 

I first tried to resolve this matter with AE, and later disputed the negative item on my personal credit report with all three major credit reporting agencies, XXXX, XXXX and XXXX all to no avail, and with no response that my disputes with their perspective firms were investigated. To date, I none of the aforementioned have provided sustaining documents to validate the information all have placed on my personal account as negative.
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Aargon Agency Inc has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send statements. Send my actual signature on a contract. As this debt is Not mine. <P/>Sent XXXX, XXXX, and XXXX a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. XXXX, XXXX, and XXXX has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623
On XX/XX/XXXX I filled out paperwork with investment banker @ Key bank to open an annuity in the amount of {$5000.00}. I 'm attaching paperwork to substantiate. I have been receiving what I believed were annuity statements for years. In XX/XX/XXXX I decided to open another annuity @ Keybank. When I mentioned to investment banker that I already had one she told me I did not. She told me that for all these years I had a money market. I was in shock! I could not believe what she was telling me. She informed me first of all that you need a minimum of {$10000.00} to open an annuity. I was not told that. My issue is this. If {$5000.00} wasnt enough to open an annuity why was I not told up front. How can a banker open up a money market account in my name without my authorization.I have contacted headquarters in Ohio and requested paperwork to substantiate that I authorized anyone to open money market. They told me they had no paperwork showing that I ever authorized a money market account. I had money to open an annuity in another account if banker had just told me I would need {$5000.00} more to open account. Instead he took it upon his self to open an money market account without contacting me. Sounds a bit like what going on with XXXX XXXX. Needless to say I 'm very frustrated with Key Bank. I intend on closing my accounts at Key. I now have trust issues with banks.
Dear CFPB Staff Member, My name is XXXX XXXX. I am writing you concerning a company attempting to collecta debt that was already proven fraudulent and removed from my credit reports twice. 

The company in question is AllianceOne located at XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. The fraudulent debt is for {$620.00}. 

The previous owners of this debt received the necessary police documentation and this fraudulent debt has already been removed from my credit reports twice. 

At this point for XXXX to once again knowingly resell this fraudulent debt would constitute a crime. 

I request your assistance in informing XXXX to : A ) Remove this fraudulent debt from any credit bureaus and/or data collecting agencies they may have already reported this fraudulent debt to.

B ) Cease from further reporting this fraudulent debt to any other credit bueaus and/or data collecting agencies. 
C ) Cease all attempts to collect this fraudulent debt.

D ) Refrain from knowingly selling this illegal fraudulent debt to another agency. 




Thank you, XXXX XXXX
Took out a short term loan with XXXX in XXXX, Ohio who sent it to NCP finance. The initial amount of finance charge is not what I'm paying now. I took a XXXX loan out in XX/XX/XXXX and first payment was due on XX/XX/XXXX for the payoff amount of XXXX. I was talked into refinancing the loan for a finance fee of XXXX in which they refinanced it with NCP for a payment due on XX/XX/XXXX. When i called back on XX/XX/XXXX the payoff had increased to XXXX. pay off with a refinance fee of XXXX to refinance a XXXX loan. I had no choice but to due it again. The same thing just occured for XX/XX/XXXX. 
That means for a XXXX loan in XX/XX/XXXX I have paid interest on a XXXX loan of XXXX. This is loan sharking and OHIO Chapter XXXX : SMALL LOANS.
XXXX/XXXX/XXXX My daughter 's USAA debit account was frozen by USAA. When she called USAA, the fraud was reported and funds were temporarily returned XXXX/XXXX/XXXX. The transaction involved an ATM withdrawal at XXXX XXXX & claim was approved by USAA. 

XXXX/XXXX/XXXX My USAA debit account was frozen by USAA. I called and reported multiple fraudulent transactions that were discovered during that initial call, one of which was done at the same place and date as my daughters fraudulent activity. I do believe I reported a total of XXXX transactions, but after further review, it was only XXXX transactions within a 2 week period, between XXXX/XXXX/XXXX - XXXX/XXXX/XXXX, for a total of {$3500.00}. The bank provided the temporary credit for the initial report of XXXX transactions for a total of {$3700.00}. The last transaction that I was able to verify occurred on XXXX/XXXX/XXXX for {$200.00}. 

I received an email from USAA on XXXX/XXXX/XXXX stating my fraud claim was denied and all funds will be taken back by USAA XXXX/XXXX/XXXX. The letter states I can request a copy of their report upon written request, but says nothing about my option to appeal. I read this email XXXX/XXXX/XXXX, a day after it was sent, which led to 3 different calls to USAA the same day attempting to receive a discussion about the denial. By the third call, I specifically asked to speak with a supervisor that can help me to understand their decision. In the end of that lengthy discussion, I was told it was my fault for not reporting sooner, but I did n't know fraudulent activity was occurring in this account until it was frozen. After asking twice, I learned reporting need to happen within 60 days, and then told I was responsible for the first {$50.00} for every 5 days that passes. I was told that chips make fraud impossible and getting card number with PIN is unlikely. She made it clear that because I did n't report until account was frozen was too late and its on me. I looked everywhere on USAA website for these rules and found no mention of them. I did submit an email request for their report XXXX/XXXX/XXXX. 

In reviewing these XXXX debit accounts held by me and my daughter, I have discovered a mutual location where these fraudulent activities might have originated. We both have one mutual transaction site, XXXX XXXX # XXXX.
I am a XXXX citizen retired in Florida who has had a XXXX score of over XXXX for many years. 
I learned via my XXXX card that my XXXX score was XXXX, a dramatic drop of over XXXX points from my XXXX score of XXXX! 
Since I use automatic payments to pay my bills, I explained to the XXXX staff that the only relevant item I could think of was the recent increase in its credit line. While I appreciated that confidence in my financial strength, I did not request such increase since I pay my credit cards in full each month.. 
It is not clear to me what data was used to cause this dramatic XXXX decrease ; that is why I decided to write to your agency for your assistance in determining the facts. 
Let me conclude with noting that if anything, I would believe my score should have gone up since XXXX given the sharp increase in the stock market. 
I thank you in advance for your help in answering my question as to the manner in which my XXXX score was determined.
I purchased a home in XX/XX/XXXX in Georgia. My family fell upon some hardships which impacted our income so we applied for a modification. I was able to use a 3rd party attorney and get a {$85000.00} principal balance reduction. One month later, XXXX XXXX XXXX sold my mortgage to BSI Financial Services who then told me I needed to do another modification as they welcomed me with a raised mortgage and changed terms under which I had already signed with XXXX. They notified me that my payments would not be accepted and returned and now they have a sale date of XXXX/XXXX/XXXX set on my home. I went through XXXX representatives that did not follow up or process paperwork submitted in a timely manner but yet sent me letters about modifications being denied because of missing paperwork. I have expressed complaint and concern via phone and email. I have requested a Qualified Written Statement and Validation Letter twice which did not address my concerns. I am not happy about this unfair shark and predatory practice to take my home without properly notifying me by letter of a foreclosure sale date and changing terms of mortgage after they purchased it. BSI Financial and I have no written or verbal agreement on terms. I want to keep my home but want fair practices and lending to be enforced. It is not my intent to defame or tarnish the character of this company but wrong is wrong and to put a GA XXXX, wife and mother of XXXX young children out on the streets is a violation under the unethical practices they have displayed. The company has called my home and cell phone despite my letters to them to contact me in writing. These are infrigements. I have recorded conversations ( authorized under GA law ) of representatives of the company admitting to seeing where I have submitted paperwork and they had dropped the ball weeks later by not processing it and wanting me to resubmit to correct the wrongs they have made. I WANT MY HOME and desire for BSI FINancial to make this right for me and my family. We have lived in this home for 10 years. It was our first one and where many memories have been made but for the greed of a dollar and ask me to think of an " exit strategy '' 4 days prior to a sale date is inhumane. I want my home and desire to remain in it if BSI is willing to correct its wrong and practice fair lending. They can submit to me in writing how they would like to repair these damages and them changing the terms of the mortgage after purchasing it ( no good business )!
XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon Trans Union and XXXX   Credit reports to verify the information they are reporting. 
Trans Union responded in writing indicating the following accounts are not on my Trans Union Account  and not being reported. XXXX  has not responded. I am attaching ( 4 ) 1099-C provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, Trans Union or XXXX, perhaps all are working in concert to deliberately suppress my credit score by reporting false information.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is and only should show : XXXX XXXX XXXX XXXX, Oh XXXX. Please remove the following addresses from my report : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX
I have been a costumer with best buy for many years lately I have noticed that even buy doubling my minimum payment the balance did no budge much I went to take a look at where my interest rate was and I found out the interest rate was no were to be found on the credit card website all what is shown is my minimum payment and the balance. I called Citi as they are the ones who issue the best buy credit card, they told me that my interest rate was in the statement if i chose to download it. After I downloaded the statement I found out to my surprise that my interest rate was not there either. 
I am at this point assuming that the Interest rate is not made obvious to keep the customer unaware of the outrageous 25 % + .. interest rate. 
I do n't believe that this practice is ethical I always chose to be on paperless billing, for personal reasons but I do n't think that Citi should keep there costumers unaware just because they chose to bank online. 
I take full responsibility for not being aware of the interest rate, but I hold Citi responsible too for not making it obvious when I login to my account. 
The least that should take place is for citi to make the interest rate as obvious to see as the minimum payment and balance. 

I am also attaching the statements I downloaded in three formats that were available. 

Thank you
This complaint is in regards to the Wells Fargo branch at XXXX XXXX XXXX in XXXX California. It alleges bad faith on the part of the banker who serviced me and his supervisors or manager and the Wells Fargo dispute department. It also alleges discrimination in violation of the equal credit opportunity act and extremely unprofessional conduct by that branch and possible age and racial discrimination. 

On XXXX XXXX 2016 I went to get {$750.00} out for rent. I told the banker to place XXXX hundred dollar bills in an envelope. When I got home, I learned the bank teller had shorted me XXXX dollars yet lied and wrote down he gave me XXXX he only gave XXXX. I filed a dispute. The bank did nothing but believe the corrupt and prejudice banker. I believe this is age discrimination because I 'm a XXXX and XXXX discrimination because this bank only hires XXXX and XXXX to work and the the bank and a majority of customers appear XXXX or XXXX, this complaint accuses the banker of shorting XXXX dollars out of malice and falsifying the account record to claim he gave the proper amount. The banker is prejudice he would never have treated a XXXX or XXXX and or young person this way, it seems dare a person not XXXX or XXXX use the branch at XXXX XXXX XXXX in XXXX, they are treated like a second class citizen, maybe even stold from, that branch operates more like a criminal organization than a bank branch and the Wells Fargo dispute has not resolved anything, they just try to cover up. They have cameras and should have seen his misconduct. He shorted me a XXXX dollar bill yet lied! This cost me XXXX dollars of money I needed. I have been a customer for more than 20 years but this bank hit me when I was down, they hire XXXX bankers at the XXXX XXXX XXXX branch, this is the first time I had problems here, I had previously ordered a bank card here and the order was never processed, I had to call customer service to get a bank card because the banker was prejudice and never ordered a replacement card at this bank. I would recommend customers who are XXXX and not XXXX or XXXX stay away from the XXXX XXXX XXXX branch in XXXX. Because the bank teller lied stole money from me and they sided with him I will probably have to take this to small claims court. This is the worst banking experience I ever had, wells Fargo let XXXX immigrants take over this branch. I hope they plan to give some XXXX 's jobs and fast food jobs to robots, well I suggest bank tellers be replaced by robot bank tellers because robot tellers would not act XXXX, show racial preference or act unprofessional and short the customer money and blame the customer.