WillisBack/dataset-financial-user-claim huggingface dataset:
I have an account with XXXX XXXX on both my Equifax and XXXX credit report that is delinquent and closed ( written off ) that is not mine. I 've tried disputing, but it 's hard to prove something is n't yours. I 've tried calling the company the account is with, but am unable to even access the account because I do n't have the account number ( BECAUSE THE ACCOUNT IS N'T MINE ). I 've also NEVER received a bill for this account. I just found it when looking at my credit report one day.
I've been writing all three credit bureaus since last XX/XX/2017 ( see attached ) Transunion, XXXX, XXXX Dispute Letters with the dates times and amounts there was a total of 109 inquiries. I also disputed a closed account with XXXX 's even with the police report they said its mine the account is but paid off in full there is a police report that states its not mine. There are new inquires that I just updated the police report with them and I need them removed immediately and not in 30 days. There is a collection account as well that is not mine on all three bureau ( see attached ). I just want the following done about this matter
Following -up on case # XXXX which I disputed as follows : We have been going back and forth on the same issue : i.e. Ocwen does n't need to file a XXXX since there was no XXXX continuation ; however, Ocwen has been stating that did report the payoff to the county _ XXXX I know how did Ocwen did the reporting - letter, phone call, signs, announcements, etc ; whatever they did and in my estimate it could only be in writing therefore the need for a document - I request that Ocwen sends me a copy of 'the document ' they gave the county to report the pay off. 
With regard as your investor being XXXX XXXX, ( 1 ) please see your letter dated XXXX/XXXX/XXXX second page first paragraph in which you indicated that XXXX XXXX was the investor ; hence reason why you had shared related loan information with them. 
( 2 ) See my letter dated XXXX/XXXX/XXXX to XXXX XXXX who indicated that XXXX XXXX had assigned note to XXXX XXXX XXXX in XXXX ; hence reason for their filing of a XXXX which later got cleared. ( copies of UCCs attached ). 
( 2 ) How is it that XXXX XXXX who says assigned the loan to XXXX XXXX XXXX and files a XXXX in XXXX still owns the note with OCWEN servicing the loan on their behalf until XXXX and there is no UCC continuation ( by the way I never dealt nor did I know XXXX XXXX XXXX 's existence before XXXX when I close on another apartment ) and how is that Ocwen now has XXXX XXXX as the investor owner of the loan when you indicated that XXXX XXXX had assigned the loan to XXXX XXXX (? ) did XXXX XXXX assigned and the retrieved the assignments back and forth? 
( 3 ) With regard to late payments, my question was 'why did Ocwen held this loan in their collection unit ' when the loan as you pointed out had a minor late payment. ( which was, by the way, an error on Ocwen because I have never been late on paying this mortgage ). Please advise I also enclose copies of the XXXX originally filed by The XXXX XXXX Bank in XXXX which was cleared the same date. Your investor had taken over the note at the time but did n't file for a XXXX but decides to file XXXX in XXXX (? ) why I hope you understand my confusion and why your repeated same answers do not offer any clarification. Hopefully my questions are clearer and you can address them accordingly. I 'll be happy to clarify them for you should you need to.
I have disputed the information you listed on my report : XXXX XXXX XXXX - I have never paid late this account, insurance paid late, please remove late status
A different company took over XXXX XXXX while I was still in school, changing the rules to how you can pay back your private loans. There are no options for me to lower my monthly payments on my private loans, or to consolidate them. The monthly price for all of my private loans is variable every month, ranging anywhere from XXXX dollars. I can not afford this monthly, how do they expect people to pay back their loans?
I have multiple credit inquiries on my account that I did not authorize. I called to get them removed and was not helped by your customer service. 
The following Inquiries were not authorized by me. 
1. XXXX XXXX XX/XX/2017 2. XXXX of XXXX XX/XX/2017 3. XXXX XXXX XX/XX/2017 4. XXXX XXXX XX/XX/2017 5. XXXX XXXXl XX/XX/2017 6. XXXX XX/XX/2017
I keep getting calls from Navient for a person I do n't know in reference to another person I do n't know. Three times at least I have returned the calls and told them they have the wrong number, that I 've had this phone number for almost ten years, and each time they promise to remove it from the account, but they do n't. I 've tried XXXX the name they ask for, but the only one I can find in the area XXXX years ago.
Monies were unavailable for nearly two weeks. In addition, after finally being able to login to my account yesterday, the balances do not make any sense and there is money unaccounted for. There is no pending activity but I should have {$300.00} more than is in the account. I am also missing two direct deposits that occurred during the time. Customer support has not been helpful. I was on hold for hours and also sent a letter. I was told that there was " nothing she could do ''
Sent by certified mail on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX a dispute request to both Experian and XXXX  regarding some information that is being erroneously reported on my credit report. I have requested several times that I be supplied with specific Method of Verification information as it relates to public records in my file as it states reported by US and Fed Bkruptcy XXXX XXXX Courts. I supplied both Experian and XXXX with a letter from the Federal Bankruptcy Court for this district stating " The Clerk 's Office does not provide information to credit reporting agencies. On XXXX/XXXX/XXXX Experian sent a new credit report with my dispute results stating the company that reported the information has certified to Experian that the information is accurate. With their investigation, they did not supply me with specific information as I requested. Name of person spoken with, telephone number of said person, address, date of conversation. XXXX simply replied with Verified as Accurate. That does not conform to the FCRA guidelines. I also have a security freeze on XXXX XXXX, XXXX and XXXX. Their failure to furnish me the verification method and the fact that they continue to " verify '' this record in my file is a blatant violation of my consumer rights under the Fair Credit Reporting Act. As you will also see from the page from my XXXX/XXXX/XXXX three bureau report both XXXX and Experian continue to show a bankruptcy yet XXXX has no record of a bankruptcy.
I purchased a van through XXXX  XXXX XXXX in XX/XX/2015. The vehicle was purchased for {$23000.00} Made 12 payments. after a year and half i had financial difficulties and the vehicle was repossessed by the bank. However after that the bank has been notifying credit bureau for the original amount even though I had made total of {$5700.00} and they sold the vehicle at the auction for {$9800.00} ( is what they told me ). I have been disputing wrong information with the bank and all three credit bureaus but the bank has been insisting on feeding all three major credit bureaus with incorrect information. Still, after countless disputes and calls I have made. So far no good luck. They do not want to correct the information.
MISSING A {$130.00} OR MORE FROM MY BANK ACCOUNTS BEGINNING ON XXXX XXXX, 2016 XXXX XXXX XXXX PAYMENT REQUEST CAME IN FOR XXXX THE BANK TRANSFERRED {$40.00} FROM MY LINKED OVERDRAFT PROTECTION SAVINGS ACCOUNT AND ANOTHER {$20.00} FROM MY REGULAR ASSIGNED SAVINGS ACCOUNT BUT INSTEAD OF PAYING THE MERCHANT REQUEST AND CHARGING THE BANK {$5.00} TRANSFER FEE. 
THE BANK RETURNED THE MERCHANT ITEM AND CHARGED AN INSUFFICIENT FUNDS FEE OF {$35.00} WITH THE TRANSFERRED XXXX ( IMPROPER ACTIVITIES ) ADDITIONALLY ONCE XXXX MERCHANT REQUEST RETRY CAME IN ON XXXX XXXX, 2016 OF XXXX THE BANK USED FUNDS FROM MY CHECKING ACCOUNT TO PAY MERCHANT. 

SECOND PART : XX/XX/XXXX ; CONCERNING THE BANK BILL PAY DEPARTMENT. 
FEED THE CHILDREN {$37.00} and RELATIVE CHECK {$100.00} TOTAL DUE. {$130.00}. 
I ALREADY MADE ARRANGEMENTS WITH THE BANK BILL PAY DEPARTMENT. 
BECAUSE MY EMPLOYER HAD ERRONEOUSLY MISSED UP MY BI WEEKLY DIRECT DEPOSIT CHECK I WAS GOING TO MY EMPLOYER HEADQUARTERS TO GET A PAPER CHECK FOR MANUAL DEPOSIT INTO MY BANK ACCOUNT TO COVER THE NEGATIVE - {$130.00} BALANCE. BUT THE BANK IMPROPER CHARGED ME XXXX SEPARATE INSUFFICIENT FUNDS FEE OF {$35.00} FOR EACH BILL PAY ITEM. AS THIS IS NOT RELATED TO A RETURN MERCHANTS ITEMS FOR AN INSUFFICIENT FUNDS FEE CHARGES. 
ADDITIONALLY, THAT IS AN ILLEGAL BUSINESS BANKING PRACTICE. 
TO CHARGE A BANK FEE PER EACH ITEM OF {$35.00},, IF THE INSUFFICIENT FUNDS FEE WAS APPLICABLE, THE FEE OF ONLY {$35.00} WOULD HAVE COVERED BOTH ITEMS FOR THAT DAY TRANSACTIONS, IN CONCLUSION : I HAVE SAVED TEXT MESSAGES IN MY CELLPHONE TO THE BANK CUSTOMER SUPPORT UNIT CONCERNING THESE ISSUES MATTER IN THIS COMPLAINT THANK YOU.
I am filing a new complaint to dispute the response that American Express recently provided to my CFPB complaint # XXXX, with their Ref : XXXX. 

In their correspondence dated XXXX XXXX, XXXX, they assert that they reviewed a call on XXXX XXXX, XXXX in which I was offered the pay over time feature, that the representative read me a disclosure and that I agreed to the enrollment. 

American Express has clearly changed their position, as stated in their response. In the two previous and lengthy calls that I had with them concerning this complaint, the representatives and the managers who I spoke with, after putting me on hold for long stretches at a time, were insistent to me that I had elected to enroll in this feature online, on the XXXX website. And that this was also the reason they could n't show me any further proof of this transaction. 

So they have now changed their story from what they had adamantly represented as taking place online. I do not want an apology for the 'misunderstanding ' as they referred to it -- what I want is the proof. If in fact they 'reviewed a call on XXXX XXXX, XXXX ', then clearly they have it on tape and I am requesting that this recording be played for me as evidence of their new claim. If in fact these calls are recorded for just this purpose, then it should not be an issue to review.
A separate party ( no relation to me ) and myself are signers on an auto loan with BBVA Compass. I only singed the loan to assist this person. This person has not paid the payment for 74 days. The bank calls me multiple times a day even after I have repeatedly informed them that I do not have possession of the car and that the person driving the car ( which is supposed to be paying for it also ) has placed a protection order against me until XXXX XXXX when we will be in court to fix that issue. After that, I told the bank ( BBVA Compass ), that I would be attempting to recover the car so I could perform a voluntary surrender of the vehicle to them and later attempt to fix the remaining balance. No matter what I tell them or how many times I answer the phone, all they ever do is ask for payment. When I try to talk to them, they just talk over me and will not let me talk, simply stating, " Do you have your bank account information ready for payment? " .. even if I ask them to stop talking and listen to me, they continue to ask for payment. It is enough to drive a person crazy. I understand if I did not answer and they did not have any information. I am trying to inform them of what is happening but it seems they do not notate the account and call me every day multiple times a day regardless of any information I give them. Now when they call, my skin crawls and if I answer I end up getting very upset. I feel like they are harassing me since I am trying to communicate with them but they just keep calling for payment as if they had never talked to me.
We applied for a second mortgage through Key Bank, and the entire process was filled with delays, miscommunication, and difficulty. Though I have numerous frustrations, the one I 'm focusing my efforts on is not receiving a copy of the appraisal they demanded we get, even though one had already been completed for the first mortgage. We closed on XX/XX/2017 and have not received a copy of the appraisal to date. I requested the appraisal on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told via email, on XX/XX/XXXX, that the appraisal would be sent. I have not received it.
Barclaycard has had my timely payment for a number of years, and rewarded me with a number of increases in my creditline. However, they decided to replace my credit card with a chip-protected card, out of cycle -- meaning, before the current card expired. The card never arrived, I found myself heading into an XX/XX/XXXX wedding, and the holidays without a card. They promised an overnight replacement twice, which never came. I got angry and closed the account, asking for a refund of a {$750.00} overpayment. Naturally, the refund has never arrived. They are now telling me that they need to " open a case '' and it will take another 10 days to investigate. I have to pay them interest if I mess up & pay late. This company is irresponsible and incompetent at best -- and fraudulently witholding money owed, at worst.
I opened a citigold account ( bank account from CITI bank ) in XXXX XXXX, 2015 using a promotional code XXXX. By using the promotional code, based on the term, I will be eligible to receive XXXX XXXX ( XXXX ) miles if I spend {$1000.00} on my citigold debit card and make a citibank online bill payment for two consecutive months. After I opened the account, I contacted with citi to confirm this promotion. The representative ( XXXX ) confirmed my eligibility and claimed that the bonus miles will be credited to my XXXX account ( XXXX ) within 90 days from the end of the statement period in which all offer requirements are completed. In XXXX XXXX, 2015, I contacted with citi again and talked with another representative ( XXXX ). XXXX confirmed that " I see that you have met the requirements of the promotion offer '', and informed me that I " will be getting the offer of XXXX XXXX miles in three months ''. I kept all those chatting history. However, I have never received any bonus XXXX miles after three months. I contacted with citibank and talked with a manager. He said that citibank had give me another promotion offer instead and thus the original promotional code XXXX I signed-up was no longer applicable. In this case, the key fact is that citibank had never mentioned another promotion offer to me before they breaked the original agreement and applied another promotion code to my account without my authorization. I proposed him to withdraw the promotion offer that I did not sign up, and give me the XXXX bonus miles back, the manager refused even if I said my eligibility to receive the XXXX miles had been confirmed by their representatives many times. I did nothing wrong in this situation, but citibank 's response is lack of responsibility.
I applied for a job through a company that was false. The job was set up for me to work at home and they would mail me funds. I contacted the XXXX Attorney in Colorado and found out after I had cashed the check that these are false businesses made to get you to spend your money on their businesses. My bank charged me a {$15.00} fee even though I went to them on Monday after I had deposited the check on Saturday and they still charged me the fees even though I explained that this was a fraudulent business. Then they bounced a check and charged me XXXX because I was short about {$6.00}.
XXXX was very unhelpful in my situation. I knew I was 90 days behind and still making payments. But they showed up to repossess my Impala on the basis that I was XXXX delinquent. When I looked at XXXX of my statements, I had sent them a check for {$430.00}. Instead of applying this {$430.00} to the auto loan like they have every time before, they put it into a savings account that was opened when I took out a loan with them. I 'm under the impression that they received my payment, but they put it in the wrong place, giving the illusion I was 120 days behind rather than XXXX. 
When I spoke to someone at XXXX, they said " that happens sometimes. '' So they show up at my job 45 minutes away from home to take my car. I call them, and at first the deal was to make the loan current, and I could get take the car back. 

The next day however after taking take the car, they instead tell me in order to get it back, I have to pay off the full balance of {$26000.00} within 30 days. I did n't understand how we went from {$2000.00} ton {$26000.00} in XXXX hours. And they never bothered to work with me.
Wells Fargo ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX, XXXX, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.
I Received my credit report showing a inquiry from CLARITY SERVICES INC on  XX/XX/16 that I applied for a loan. 3 years ago I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any loans and this remark on my credit is causing many issues for me applying for a home which is affecting my score. The item is inaccurate, misleading, or incomplete, may have violated federal law.
I purchase a Gap waiver clause with my automobile loan from the bank. The car was total and now they keep saying its my responsibility to pay the loan until the insurance company pays the bank minus my dedu. The loan was due on the day of the accident. When I found out that the car was XXXX I went to the bank on the XXXX of XXXX 2016 and reported the lost of the car, I ask should I still make a payment? and the manager of the bank in XXXX, N.Y. Told me she was going to put in a claim immediately so not to pay because it will go to the collection and they will get in contact. Now they are claiming that my insurance did not response quickly they want me to pay for the time they took to settled this matter.. They also change gap company while this was going on. When I research on the computer who was handling banks insurance claim I saw it was the same company I had my insurance XXXX and then their change it in XXXX I do n't know who their covering but its obvious its not me.. I wrote to previous about this matter and did not hear from you. Forwarding letter of my correspondence.
XXXX Bank account was charged off. Account was paid in full to XXXX. I spoke with XXXX Bank XXXX, rep id XXXX, in XXXX at XXXX on XX/XX/2016. I asked XXXX why XXXX Bank was still reporting this item as a charge off when it was paid and should either be deleted or listed as closed or paid in full. XXXX referred me to XXXX and advised that he did not have information regarding the charge off and I would have to contact them. It should be noted that I have proof that the payment was made to XXXX, and still maintain proper receipt with confirmation number as well as the account number in question listed on the actual receipt, which I have attached to this complaint. 

I am concerned with this as I know for a fact that I rectified this account and XXXX Bank still continues to list this item as a charge off. This is affecting my good credit record and continues to affect my credit rating. 

Any assistance in this matter would be greatly appreciated.
I have a Home Depot Consumer Credit card. I had a promotional balance with terms of 12 months no interest if paid in 12 months. The original transaction amount was {$450.00}. I did not payoff the purchase in the 12 months and the promotion expired. I received my statement the next month and it shows the interest charge calculation. Home Depot calculated the interest for this purchase on a {$500.00} instead of {$450.00}. I called Home Depot customer service on XX/XX/18 for explanation as to why my interest was not calculated daily off of the actual transaction amount and how was this increased difference calculated for my original transaction amount. After 30 minutes and holding while the contact spoke to her supervisor I was told that's just how we do it because of averages. I could tell the contact was unable to explain their calculations. I have no issues in understanding my deferred interest was accruing within that 12 month period. I do have an issue that the interest was accruing off a dollar amount higher than what I paid at the store.
Bought a XXXX XXXX XXXX from XXXX on XX/XX/XXXX. Terms were very high but I was in need of a car that ran. Well 22 days after purchase the timing belt broke and they towed it to their mechanic at XXXX XXXX in XXXX WA. Three weeks later I get my cruiser back and the AC was broken, overheated like crazy and had silver flakes in the radiator! I called XXXX and spoke to XXXX. She said to bring it back in. They offered me another car to trade out the Cruiser and took my contract and put it in the shredding box. So I have this XXXX XXXX XXXX and it starts to overheat and engine is loud so two days later I called and told them Im returning the Van and done with their company ect. Got a refund {$1200.00} back and thought I was done. Weeks later my credit report says I still owe money XXXX and account is still OPEN for the XXXX XXXX! The XXXX XXXX  isn't on my credit reports at all. XXXX said I had to write a letter to XXXX to dispute the credit report. I've been trying to call their corporate office for months and not one person has returned my calls. Im trying to finance another car and my terms are toi high because it looks like I still have that XXXX! I need to have that XXXX XXXX  off my credit reports! This is unfair. They say I voluntary repossed the car and I defaulted on a security agreement. They never said anything to me when I turned the keys in at all. This is fraudulent.
TO : Equifax - I observe my credit report counts both open and closed accounts totaling XXXX, therefore I expect ALL these accounts count towards my years of credit. Consequently, I calculate ALL open and closed dates to current, to be XXXX days or XXXX years. Please correct my years of credit to 10-years, 2-months. 

Also, I have attached my latest email to Equifax for your reference.
I have sent numerous debt validation notices and never received a response back from the creditor. As per the ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
XXXX XXXX XXXX/16 i have no knowledge of this accounr