WillisBack/dataset-financial-user-claim huggingface dataset:
I recently checked my credit report and found several addresses and accounts that were not mine. I have filed a police report and even tried disputing the fraudulent accounts but have had no resolutions. Below I am listing the accounts and address that are false. 

Experian : Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX XXXX XXXX Account XXXX :XXXX Date open:XX/XX/XXXX Balance : {$4500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXXBalance : {$4500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$5500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2000.00} Account Name : XXXX XXXX XXXX/XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$270.00} Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$150.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$35000.00} XXXX Accounts : Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX XXXX XXXX Account XXXX :XXXX Date open:XX/XX/XXXX Balance : {$4500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$4500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$5500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2000.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$35000.00} fraudulent addresses:XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ///XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX
XXXX XXXX is a fraudulent account and it has yet to be removed from Equifax credit report even after providing police report that was filed in XXXX of 2016 right after that account was opened
Victoria Secret / Comenity Bank is reporting twice on my merged infile credit report! 
I am trying to buy a house and this account is showing up twice. Victoria 's Secret sent me a new card and told me to destroy the old card because they went from a XXXX digit credit card number to a XXXX digit credit card number. It should only be reported ONCE NOT TWICE!!!! IT IS THE SAME ACCOUNT! PLEASE FIX IMMEDIATELY IT IS AFFECTING MY CREDIT NEGATIVELY! IT IS SHOWING XXXX BALANCES THE SAME AND XXXX CREDIT LIMITS THE SAME. IT IS ONLY XXXX CREDIT CARD NOT XXXX!!! I called and talked to Victoria 's Secret customer service and she said I had to take it up with the credit reporting agencies and that they could not help me. She said this has happened to other credit card holders too. This is unacceptable and is affecting my credit!!!! because they changed to a longer digit credit card number for all Victoria 's Secret credit card holders.
Experian continues to blatantly report XXXX/XXXX Incorrectly, Despite Several Disputes with submitted proof of documentation that the account is PAID IN FULL. I PAID XXXX XXXX/XXXX   in 2015 in the XXXX Court of XXXX County. Just recently Experian completed an Dispute and REFUSE to change/correct the account to a PAID IN FULL STATUS, but to add insult to Injury, the Investigation stated that new information was added : THE NEW INFORMATION REPORTED A HIGH BALANCE OF OVER {$1800.00} as a Credit Limit, and my Original Credit Limit was only {$700.00}! This is Ludicrous, I now feel penalized for Monitoring my Credit Report as I should. This is in Violation of my Consumer Rights under FCRA. Reporting incorrect information on someones Credit Report is Illegal.
Capitol One ( herein after " CP '' ) has a practice where upon approval, use and after one or two payments of its initial credit card, it immediately issues the consumer a XXXX CP credit card to use at their own discretion. 
After use of the XXXX card ( in using XXXX cards ), CP sends statements as if for XXXX cards but the statement information shown is for only XXXX of the cards. Also, paying on-line through the internet : CP applies the payments to only XXXX of the cards leaving the XXXX card to appear as if it is delinquent thereby escalating fees -- late charges, over the credit limit, interest where all this is rolled into and compounds the monthly payment. 
Upon my pointing-out this practice to Capitol One, noticing the payment without a logical explanation, leaped from about under {$100.00} to over {$300.00} ( XXXX dollars ) within one month, CP refunded/deducted the {$300.00} dollar fees but reverted to this practice with my cards about a couple of months later. This included on-line payments when in the confirmation page is flashed quickly but non accessible having no printable confirmation. It even appeared and still does, that my card had been compromised by fraudulent charges. There was nothing to explain these high payments due when payments and calls were being made to the company timely consistently. In addition, about the second time I called about this CP practice, it said that a payment had been returned in XX/XX/XXXX for NFS, and not resolved which would not be the case when payments are made each month on line or called-in by phone. CP continued to try and attempt saying two months of payments were not made on XXXX of the cards. Payments were made on-line timely and directly from my automatic payment from my bank. I believe the alleged two months of " missed-payments '' is in retaliation for my first showing to CP its fraudulent practice ongoing since then. As of XX/XX/2016, upon getting no resolution, making them aware and letting them know that further action would be taken for CP continually misappling my payments for the purpose of increasing fees and interests. CP by its fraudulent practice has in attempts to increase collecting fees and interest and in retaliation has attempted to impact my credit score, if it has not already done so.
There's a credit inquiry on my record by a company name XXXX on the date of XX/XX/2017 I have never had an account with this company neither do I know who place this inquiry. 
I contacted the credit bureau Equifax and told them to remove this inquiry and they're refusing to remove this information.
In XX/XX/XXXX Experian was reporting a bankruptcy, that they have removed. Now here is where problem the accounts that were so called in the phantom bankruptcy that has been removed. They reverted back to showing on my report that it was written off. Now that is incorrect and need to be removed under the fair credit reporting act. I have sent them registered letter on numerous occasions. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Each time I ask them to investigate that its reporting correctly and the refuse. Reverting back to the incorrect information on the report. I will list the following accounts that are reporting incorrectly on my report. XXXX XXXX XXXX was reporting as in bankruptcy no bankruptcy listed. Now reporting that account was charged off that is also incorrect. XXXX XXXX same explanation as above..XXXX card account # XXXX same explanation as above. XXXX XXXX same explanation as above. XXXX accout # XXXX I have never had a loan with XXXX # XXXX this is being reported incorrectly. XXXX # XXXX this account is also being reported in correctly.
I file a dispute with the credit bureau it took this agency one week to say this account on my credit is maine how can a company says account belong to you when i write these creditor. their no response how is company able to validate a debt when i get no response what is their procedures of validation i have identity theft on my report the credit bureau isnt obeying the 609 laws on federal credit reporting act before they report on file
My account was disconcted last year because i could n't work with the payment on XXXX 2015. 
The amount they are reporting is almost 5 times more that it originally was ... 

And will not pay something i do n't owe.
After checking my credit report back in XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls prior to pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency Diversified Consultants advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with Diversified Consultants- I am not liable for the collection of the debt from XXXX XXXX XXXX as this debt is not mine. I have been disputing this inaccurate information since I first found out about this fraudulent information and they have not removed this information from my credit file, nor have they understood that this debt does not belong to me. This has hurt me severely in regards to obtaining credit. Diversified Consultants states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX XXXX XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). Diversified Consultants has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
In XX/XX/XXXX Selene Finance approved me to start the modification process by paying {$1000.00} per month. I made on time payments for the month ofXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Selene sent me a letter datedXX/XX/XXXX that my XX/XX/XXXX payment is being returned as the payment is less than the amount required to cure the default on your loan. So I called the Loan Resolution Department and they stated that I would need to pay 3 months of payments. It was not clearly communicated what would happen to my home. The Loan Resolution representative I spoke to on XX/XX/XXXX left me not knowing the outcome, but stated he would send out the modification paperwork to me. But as of today XX/XX/XXXX I have not received. Please look into this matter as soon as possible. I am a XXXX of 1 year ago and the added stress is not good for my health.. 

My second complaint is on my mortgage history datedXX/XX/XXXX there is a large ( which appears to be a second  mortgage ). have not refinanced my home at all. Please have Selene explain where this originated. 

Thank you for your timely response.
I vacated " XXXX '' before the lease expired. I gave 60 days written notice as requested. When I received the final bill from them, they charged me {$1100.00} for improper notice. They also charged me {$200.00} for final water bills. I was current with rent and water at move out. My water bill never exceeded {$35.00} per month and I hand carried the 60 day signed notice to the apartment manager. I have a copy of this notice. I requested copies of the " final '' water bill and disputed the improper notice charge. No proof or copies of the water bill were ever sent to me and no reply was sent about the improper notice charge. They just turned it over to ProCollect in XXXX, Texas and they promptly listed the charges on all XXXX credit bureaus. After disputing this collection with all credit bureaus, XXXX XXXX removed it. XXXX and XXXX did not. ProCollect has not yet sent me requested proof of the the above documents. 

I am now filing a law suit against ProCollect for reporting false information on my credit report.
Hello, I am the holder of a XXXX XXXX  Business Credit Card Account. The account was opened using the tax ID of my business and a credit check using my social security number. The account was opened in XXXX and had a limit of {$5000.00}. 

I used the card a lot - but paid consistently over the past almost 4 years, paying hundreds of dollars off. 

In XXXX, XXXX I was out of the country on business. XXXX tried to contact me when the account was over 30 days past due. When I got back, I called them to set up a payment arrangement to get back on track with payments. 

The first payment did not go through. XXXX claims the funds were not available - but they were. Payment was for {$150.00} - I had over {$7000.00} in my other linked account. Usually XXXX   will post the payment then I transfer the funds over. In fact - they ALWAYS do this. This time, they did not. 

Instead when I called them they claimed the payment was presented 3 times. I was not made aware of this by XXXX. If so I would have immediately transferred the funds over to cover the payment. 

The second payment of the arrangement went through, but by then it was too late. XXXX closed the account ( I STILL have not received a formal letter or email informing me of this ) instead I found out when my credit score went down over 100 points because they reported this business account to my personal credit report. 

I believe XXXX is TOTALLY in the wrong about this. Their failure to communicate is unfair and unjust. My credit report - which has high balances held for a period of time but accounts are paid on time always ... went from close to a XXXX to a XXXX in one day. Also, because the account is now closed if I did want to pay off the entire balance and use it for my business again, I can not. 

I have been banking with XXXX for over 20 years. I am shocked at this treatment by them to a loyal customer who has banked thousands with them over the years. 

-XXXX XXXX
We had a line of credit with Suntrust Bank in 2005 for {$140.00} and we refinance our house to paid off the line of credit, we sent the payment to Suntrust, but we still getting charge for {$140.00},, please help me. 
Thank you XXXX
Mortage was sold or transferred to greentree servicing and they added {$5000.00} to the loan. I do n't feel this is right. They also have my XXXX mortage and the payments went up with out notice and I never got notice the XXXX mortage got transferred or any paperwork on it. I have sent payments to get caught up on the XXXX and they are saying they have not received them. I had the bank fax them confirmation they were sent and now they say they have not got the fax. I went to the bank again and had them fax another copy and even had the bank call them and talk with them. I just got another phone call from them yesterday harassing me about payments and they still have not credited my account. As of now I am 3 months behind and trying to work on getting caught up, but how can I, when they are not acknowledging my payments. They wo n't take payments over the phone, I ca n't make them online because they say they ca n't. So I do it through bill pay. I seem to talk to someone different every time. I do n't think they put notes on my account, so I have to explained myself over and over. They have harassed me to the point I have cried over the phone with them about the payments. I do n't know what to do and feel they just want to foreclose on me. I have just finished XXXX and am trying so hard.
I deposited a check of {$6000.00} to my Wells Fargo account using my debit card number XXXX on XX/XX/XXXX but my money is being held and I am told the money may not be available to me until on the XX/XX/XXXX or my check declined and returned after XX/XX/XXXX because I did endorse the back of the check. I have called Wells Fargo customer services 4 times but they would not release the funds to me insisting that a verification is being done. They have not contacted me nor the paying bank for the verification and have declined to return my check. 
My account is overdrawn and I have overdraft charges to pay. Customer service response to me has been horrible as they can not explain the verification process to me and I can not communicate with the verification department to expedite the process. 
I want my funds released to me to avoid additional financial and emotional damages.
My husband and I have just recently received our escrow analysis letter that stated that we needed to pay {$1500.00} in order to ensure that our escrow account is brought back up to date and that we would also have to pay {$650.00} a month due to this. We pay {$490.00} a month now and we have come to find out that they have taken out {$1300.00} in XXXX XXXX to pay the home insurance with XXXX different insurance companies and another {$750.00} in XXXX XXXX to pay the home insurance with a company that has a cancelled policy. They keep blaming it on the insurance companies, but we see it as they are taking money from us considering they are paying an insurance company that does n't have a policy on our house. Additionally, they are refusing to provide us with the declaration as well as refusing to provide a 14 month ( XXXX XXXX to XXXX XXXX ) printout of the escrow account so we can see where the money has gone to. We can not purchase a new roof due to our house payment increasing almost by XXXX % and our escrow is now negative.
I purchased a foreclosed home and have continued to receive collection notices for the previous owner. I contacted the collection agency Rushmore Loan Management Services and explained the situation to them. The agent laughed at my circumstances after verifying that I do not have any 'accounts ' with them and directed me to fax a notice to their department of consumer affairs. The collection notices have continued to appear after I completed this action and the agent working on their behalf is taking photographs of my property.
I am in the process of refinancing my primary residence - the 1st mortgage owes {$310000.00} and the HELOC owes about {$42000.00} ( limit {$45000.00} ). I am refinancing since my current 1st mortgage is an Interest-Only ARM payment and I want rate stability on a 30 year fixed. Thus, the HELOC would be subordinated in 2nd lien position. My plan is to pay down the current 1st mortgage to {$300000.00} and just subordinate the HELOC. The appraisal recently came in at {$430000.00}, so the LTV is 70 % and the CLTV is 79.6 %. There are 2 major problems that occured in this process of refinancing. First, when I last refinanced in XXXX XXXX, the subordination agreement was misrecorded by Capital One ( the HELOC holder ), referencing the wrong book and page number for the 1st mortgage and Deed of Trust ( 1st mortgage at time was with XXXX XXXX but soon after was transferred to XXXX ). As a result of this misrecording, the Capital One HELOC is erroneously in 1st lien position - as a result of a typo! ( I will attach the stamped subordination agreement from my last refinance in XXXX ). Capital One is not even acknowledging their error or willing to fix the problem! The second problem is that through the refinance process, Capital One is not willing to subordinate in 2nd lien position. They have a guideline that Principal and Interest can not increase on the refinance more than 10 %. They are looking at my current Interest-Only payment of $ XXXXmo and seeing the new Principal/Interest payment of {$1400.00} on the refi and saying there is more than a 10 % increase. My response is that OBVIOUSLY the payment will increase more than 10 % because we 're going from an Interest-only payment to a Principal and Interest payment! But notice here also that their 10 % guideline is not being violated, since the Principal/Interest is not increasing more than 10 % - remember that I have only been making an Interest Only payment. By the way, even if my remaining {$310000.00} on my current 1st mortgage is amortized on the current adjustable rate of 4 % yielding a {$1400.00} PI payment, my 30 year fixed refinance payment of {$1400.00} is actually LOWER in this case. This 10 % rule results in a distorted analysis, failing to account for ARMs and also not factoring into account that some borrowers are only obligated to pay Interest only currently. I honestly do not understand how Capital One believes it will be in a better position by not subordinating. Through the refinance, I will pay the loan balance down to {$300000.00} ( 70 LTV ) on a 30 year FIXED rate of 3.875 %. The resulting Principal and Interest payment is {$1400.00}. Again, even now if the remaining {$310000.00} balance is amortized on the current adjustable rate on my loan of 4 % over 30 years, the PI payment is {$1400.00}. This does not even consider that in XXXX the Interest Only period on my loan will end and the loan will actually be fully amortized over the remaining 20 years, so the payment of course will be much higher than {$1500.00}. ( I will also attach the HUD and the Interest Only Note on my 1st mortgage from XXXX when I refinanced.
" " '' I have disputed this collection on this UNKNOWN XXXX for months.XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Adding on to complaint # XXXX ... today I have made numerous calls trying to resolve this issue without it escalating. Customer service is absolutely horrible. I was put on hold on every call with every representative all stating that they work with consumer protection and the fraud department. I asked to speak with the investigations department and was told that there is no number to call them that I would have to wait for them to contact me. I was also told that investigations will not be back until Monday. The names of some of the representatives are XXXX and XXXX.I was told that I can go to the store to make a payment. I live in South Carolina and the store is currently closed due to hurricane Florence. The representatives cared less.
My mortgage application was mishandled by Wells Fargo Home Mortgage. They took 3 weeks to process ( when they committed to 5 days ) and then denied my application due to " insufficient savings history ''. I tried to provide info to support the savings history but they mishandled it. I opened an investigation with their customer service and they provide incorrect statements in their final report ( flat out lies ) so I am reaching out to you for help. I was able to get a mortgage with another bank but it cost more in fees and interest rate. 
WF is deplorable! I hope you have time to investigate this before XXXX takes away your funding. : (
BANK OF AMERICA THE MASTER SERVICER HAS DIVISED A SCHEME WITH  XXXX    XXXX   XXXX    AND IS DISCRIMINATING AGAINST US BECAUSE WE FILED BANKRUPTCY AND VIOLATING BANKRUPTCY LAWS BY PROVIDING US WITH FRAUDULENT DOCUMENTS  XXXX   XXXX   XXXX  and Bank of America Mortgage Servicer the Master Servicer HAS VIOLATED SEVERAL BANKRUPTCY LAWS AS WELL AS federal and state laws when providing responses to multiple complaints filed through the Consumer Financial Protection Bureau.  XXXX   XXXX   XXXX  and its employees and Bank of Ameri ca Master Servicer  and its employees provided multiple fraudulent documents including a fraudulent deed with wrong dates. In providing these fraudulent fake documents as authentic  XXXX   XXXX   XXXX   XXXX  and Bank of America  Master Servicer  has violated federal and state laws. In providing these multiple fraudulent fake documents in attempt to deceive  XXXX   XXXX   XXXX  has also failed to truthfully respond to several Qualified Written Request made by us through the Consumer Financial Protection Bureau.