WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax refuses to delete an account that is not mine, I have sent a validation letter to the company and got no response. I have disputed the account on numerous occasions asking for a deletion. I recently had to place a fraud alert on my credit reports which I did before connecting the company regarding this issue. it was multiple accounts on my credit report that I had to dispute being that it wasn't my accounts and had no issues getting the items removed. XXXX  has also deleted a bankruptcy off of my report They are still illegally reporting the fraudulent account despite me asking them to delete it from my credit report. This is against the FCRA laws. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if XXXX  fails to comply with the federal law I will be forced to take further action. I am a litigation consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. Equifax countines to lie to me and tell me the bankruptcy court is providing and verifying this public record information to them but they don't. attached is a email from the bankruptcy court and email from pacer and documentation from XXXX   showing bankruptcy deletion. Please read carefully before lying again! I also filed a Id theft report numbered XXXX
I paid I 've XXXX dollars and was told my puppy had a 99 % survival rate if I kept her there .. puppy had a turn for the worse I was never contacted when puppy passed I have called multiple time in attempt to speek to dr which I was told would be be only one to adjust fees never revived a call my puppy 's dead. It 's was held XXXX for over 30 days I was told XXXX dollars was the balance then collections is going for over XXXX XXXX the 99 % survival rate is why I kept her there I was told she should make it isf I left her ... again dr never called. It sure if any in my messages were relayed to him but I did pay I 've XXXX to this place. And the collection amount is incorrect and dr never called to discuss further amounts since the puppy did not live with his garunte of 99 % survival had I been told XXXX I would have taken her home just like I told them
Netspend card send one prepaid card {$1000.00} active but dont have money, n now have inters
I have a previously complaint number XXXX that Caliber Bank responded to on XXXX/XXXX/2015. I would like to re-open the complaint and dispute the response provided by Caliber. I was unable to respond in a timely manner due to having to relocate after Caliber foreclosed on my home and forced me to leave.
We bought our house in XX/XX/XXXX through an in house loan. In XX/XX/XXXX the loan changed from a mortgage to commercial loan. In XX/XX/XXXX the was renewed without authorization or signature. Now we are trying to refinance to get the house back to a mortgage because without knowing we have been paying interest only since XX/XX/XXXX without getting a statement or payment coupon. The amount of the loan keeps changing and going up since we have started trying to refinance our loan.
My loan was closed in fraud, in my opinion. 
I had from the start of the loan process stated that items on my credit report were not mine or in the process of resolve. I was told on several occasions that those items would be removed from the final closing statement, and was told to just sign the paper work. 
When the final closing paperwork came, it still had the items on it, I penned my initial and struck each item that was to be removed. Once again I was took to just sign the paperwork and their company would make the adjustments. 
As of this date the loan company is holding monies on items struck from the closing statement and I 've tried to get resolve, but have been stonewalled by the persons doing the loan and their Georgia Supervisor. 
At this point I feel I 've been screwed, by a predictor mortgage company. 

Please Help, XXXX XXXX XXXX
On XXXX XXXX, 2017 I applied for a home loan from Bank of America. I provided all of the documents requested, in a timely manner. I was assured that, based upon my credit score and income, I would qualify. On or about XXXX XXXX, 2017 I was informed that I had 2, less than 30 day late payments, on a previous house, over 7 years ago. The credit companies and the bank that held the mortgage said that they could not confirm the late payments, as too much time had passed and they did n't keep records that far back. Again, I was assured that the loan would approve. It was sent to an underwriter who questioned two of the late payments, even though they did n't appear on my first credit pull and could n't be verified. The underwriter then refused to approve the loan and sent it up to the next level underwriter, who reviewed the loan documents and was set to approve. He left on a family emergency this last Friday XX/XX/XXXX and upon his return, he reviewed my file and was set to approve it. His supervisor, for reasons that can not be explained, refused to let him sign off. It was n't declined and has n't been declined, as of now I still have no answer. Bank of America has practiced discriminatory & predatory lending practices throughout this entire process. I have a house in escrow and in 5 weeks have not been able to get an approval or refusal. They have left me in a position to now try and extend my escrow if the seller will approve, If not I will not be able to close on time and lose the house. They also asked me what I wanted to do as far continuing to escalate the loan for approval or just forfeit the loan and go somewhere else after 5 weeks of working with them. How can an institution like Bank Of American be allowed to string a customer along like this and find it acceptable to continue conducting business in this manner.
I want to pay off student loan. West Asset Management attached my wages. XXXX is responsible for loan according to IRS. Ca n't dispute Ca n't get a detail history stating all fees and charges add onto loan. Called XXXX in XXXX 2016 to request this information. As of XXXX 2016 no payments have been taken out of my pay and fees are being added. Do n't know who to make check out to or where to mail a check to completly pay off loan. Several diffent collection agencies have added fees onto this loan, but I do n't know how much. West Asset Management and XXXX collection servies. I just want to pay what I owe and be done with this. Who do I need to contact? How can I get the information I requested from XXXX and West Asset Management?
Sometimes XXXX calls a day. Starting at XXXX till XXXX. They got my mother 's phone number and called her repeatedly. Received phone calls before payment was pass due. Amount owed is under XXXX dollars. PayPal representative talked over me and was obviously not listening to a word I said. Set up a settlement was told the first XXXX payments were scheduled then find out only the first XXXX was scheduled after representative told me XXXX were scheduled. PayPal is harassing me for XXXX dollars with a XXXX. Repeated calls to my XXXX XXXX XXXX mother is unacceptable.
I got two emails from Coinbase on XX/XX/XXXX telling me that my two wire transfers, {$4000.00} & {$5300.00}, have been rejected because of a name mismatch ( my wife, XXXX XXXX, was the sender ) and so were sent back to the bank. But I looked at the bank account and personally called the bank to confirm. Coinbase did not wire funds back to the bank. I have repeatedly tried contacting Coinbase via XXXX, email, and phone without success. This wire transfer reversal should not take this long. What 's even worse is that the Coinbase website states that a wire transfer will only take one business day which is completely dishonest and  misleading.
Reviewing my credit card charges for the last few months I found a number of charges for " Experian Credit Report '' -- including two in one day for {$19.00}. Like many of the complaints about Experian indicated, it is VERY difficult to reach a human being ; clearly this is intentional because there is no option in the automated system to be connected with anyone. Doesn't this violate some regulation?? 

After finally reaching a person, it appears that when I put a freeze on our credit reporting account some months ago after a widely reported data breach involving one of the credit reporting agencies, we started to be billed for a " Premium Membership '' for {$19.00} for myself and the same charge for my wife. The man I finally connected with on the phone read a long list of services that go along with the " premium membership. '' As I told him, there is no way I intentionally signed up for ANY membership that would carry a monthly fee of ANY amount. 

He agreed to take off the most recent charges but said I had to fax in a letter to dispute past charges. I have submitted that letter by fax fo XXXX.
Thr issue is the 3 times in the past 4 months I have attempted to get them to pay the escrow refund dune from my account. They are holding it and claiming to have issued a refund for the amount. It has never arrived. They promised it within 10 business days each time and it has never arrived. I recieved my normal monthly correspondence from them today so I know the mail is working properly meaning the company, freedom mortgage, has been stalling the past 4 months.
Called in or around XXXX XXXX, XXXX to advised I have switched Insurance companies. I was told by representative to fax over documentation for new insurance company and I requested my loan be reanalyzed due to lower premium for insurance. I called back on XXXX XXXX to find out they never updated my information. representative confirmed that fax was received however they never change my insurance information nor did they reanalyzed my account. The lower premium would have made my payment lower however they never even changed the company nor took care of my request.
On XX/XX/XXXX, I received a letter from Linebarger Goggan Blair & Sampson, LLP,  stating that my Driver 's License " may be suspended '' and that I owed {$380.00} for XXXX to XXXX County Clerk of Courts. On XX/XX/XXXX, I called the number and spoke to a XXXX that stated they had been hired by XXXX Clerk of Courts. 

I explained to XXXX that I had already gone to court for the issue and the case was dismissed since I showed proof that I was not in possession of the vehicle running tolls. 

I have been in contact with the XXXX Clerk of Courts, Traffic Division, in addition to the Toll Authorities regarding these issues several times. On XX/XX/XXXX, I called and emailed the Toll Authorities in  addition to requesting yet another court date for the same issue, same vehicle, different ticket and never heard anything regarding another court date. 

On XX/XX/XXXX, I recalled the Toll Authorities again and it was verified that I did request another court date. I was also informed there was a 3rd toll ticket pending for the same vehicle, different date. 

Today, XX/XX/XXXX, I sent numerous communications to XXXX Clerk of Court, asking for the Name and Contact Information for the Hearing Officer since they advised me on XX/XX/XXXX, that they never received another court hearing request and I would need to contact the hearing officer. 

What they did not receive was another {$20.00} to keep my license unsuspended until a second court date was scheduled.
I 've learned that I 'm a victim of identity theft. I had a loan with The Money Store while I was under wage earner. I learned the loan was refinanced while I was on XXXX. On XX/X/2004 is the date the loan was refinanced. The new company is XXXX XXXX XXXX. IRS brought this to my attention. I pulled my transcripts from IRS, I 've had a meeting with IRS. I need the mortgage interest papers for tax purposes. I also need the information showing my information was refinanced.
I submitted several loan modifications packets through Chase to save my home, they kept having me resubmit, losing documents and changing my relationship manager several times. I even tried an outside company, only to get scammed out of over {$1000.00}. Keeping in mind my income had increased by {$25000.00} since the initial purchase of the home and they said that my income was not enough to approve the modification. At my wits end, I entered a Chapter XXXX bankruptcy to try to save the home but the structure of the payments were much more overwhelming than a simple loan modification. My spouse and I decided to surrender the home under the protection of the Chapter XXXX process. We did so with the understanding from our bankruptcy attorney that the surrender of the home would be in full satisfaction of the debt and that we would not be charged with a foreclosure. We surrendered the property, which is located in XXXX and moved to XXXX 2 month ago. We had completed all payments to the bankruptcy and was given an order from the court to incur post petition debt to purchase a home. We are now one week from closing ( XXXX XXXX, 2016 ) only to find out that Chase is foreclosing on the Louisiana home and as a result I can not get the VA home loan to complete the purchase. I am submitting this complaint against Chase because I believe that they intentionally kept encouraging then denying my application for modification, subsequently feeling coerced to file bankruptcy to save my home and salvage my credit. I believe that Chase 's modification process at the very least is flawed but at the other end of the spectrum may even be fraudulent. Chase representatives lost paperwork and the constant change of relationship manager made it impossible to establish or maintain continuity of process. The negligent workmanship regarding the process was done with careless and reckless disregard and as a result, has caused me financial and XXXX injury. As a XXXX, XXXX veteran and am appalled at Chase 's lack of candor regarding business practices and they should be held accountable.
Citi Management in XXXX is the problem. I contacted them stating my situation and the transaction was still attempted. I know they received the call because it was confirmed through one of there worker. They also called my job threatening to send some type of action to my job and they spoke with my HR department. I was informed and called them to work out a plan. The first person I spoke with tried to help but then I was transferred to I guess a supervisor by the name of XXXX XXXX and she did not try to help at all. She is terrible and her customer service is even worse. She went in to some explanation that was not what I wanted to know. She even stated I know that is not what you wanted to hear which was correct. I called for help to resolve the situation and she did not attempt to help. The issues that really upset me is calling my employer when in fact they had my email address whereas they could have emailed my because I could not be contacted via telephone and secondly the threat of legal action when they received they call of my situation. I would like some type of legal action taken against them or legal action that I can take against that company.
On XX/XX/2018 I noticed {$2200.00} withdrawn from my account. I called my bank and they stated they were not sure what it was but would contact me after they completed an investigation. I called back again the next day and was given another telephone number to call and speak to someone. Upon doing so, I spoke with a representative who said it was a debt set-off from my husbands credit card. We had made multiple attempts to settle with this credit card and were not given a settlement agreement. When we spoke to the law office this debt was sent to, they offered a settlement but never sent payment info. I contacted them to no avail. When speaking with this contact person on the second number I was given, they stated any time they see money available in my checking account they will take this money for the debt owed on the credit card and they are not obligated to inform me prior to doing so. I was never informed of this, never informed of any judgment against my husband, myself or our accounts. I am now unable to pay my mortgage, my car payment, buy groceries and even pay for my toddlers daycare so that I can go to work. I have {$70.00} to my name at this time due to the amount they took from me and are refusing to refund it. I even asked to go on a payment plan and they stated theyll discuss a payment plan for the remaining balance one the {$2200.00} cleared my checking account.
My name is XXXX XXXX XXXX, I already qualified for the XXXX bonus miles with my American Express Gold Delta SkyMiles Credit Card ending XXXX SkyMiles Account : ending XXXX with more of {$1000.00} within the first 3 months of Card Membership. The miles have not been Accredited to my account and it 's been 6-8 weeks after I reached the spend threshold. I opened the account on XXXX XXXX and completed the requirements the first week of XXXX 20017. I called American Express Customer Services XXXX several times and the Account Representatives explained different reasons and excuses all the time but they do n't give me any results. There is a case open XXXX but they do n't have any resolution. I 'm trying to purchase a Delta Tickets but I need the miles to be accredited to my Delta SkyMiles account in order to purchase the tickets. This is the reason why I opened the credit card. I am sick of calling customer services and nothing changes so far. XXXX XXXX XXXX
This company has gotten a judgement and has frozen my bank account for an amount I do not owe. They are not the original creditors and have inflated the amount owed. I am trying to fight it in court. The company is XXXX, XXXX and XXXX.
Van ru will constantly call you constantly send mail and constantly lie Department of education does n't care, and will still deal with the XXXX scammed XXXX Whatever you have to do to not deal with student loans, do it because all of it is XXXX. 
They all scam you together, nobody is on your side.
My realtor and I have been trying to work with Chase Mortgage to sell my home for over a year with no resolution. I am an XXXX XXXX XXXX XXXX attempting to sell my home in XXXX, GA and received approval from Chase mortgage to proceed with a short sale. My realtor secured a buyer that was fully qualified to purchase the home ; however, XXXX made the process extremely difficult. They often missed critical timelines which caused issues with HUD, VA, and the home appraisal. Because my file changed handlers every XXXX days, it was always in review, which further slowed the process. My realtor and I filed numerous grievances with the Chase Mortgage escalations department, which had no impact on the handling of my file. Ironically, each complaint was met with acknowledgement that there are systemic issues in the short sale department due to incompetence and inexperience. After XXXX months, XXXX gave my realtor verbal approval to complete closing on my home ; however, XXXX did not disclose that the approval was for a " dry closing '' and that approval for the final closing was still pending. Acting on my behalf with a legal and valid power of attorney, my realtor, the real estate lawyer and the buyer 's realtor signed all of necessary paperwork during the closing process fully unaware that XXXX was still reviewing the paperwork. Unfortunately, the buy was not able to receive the keys to the home. A week has passed since the " dry closing '' and XXXX has not yet approved an official closing. As a result of this, the buyer has decided not to purchase the home, and is fully within his rights to back out of the closing. I reached out to the Mortgage escalations department to inform them that the buyer is backing out of the sale, and to get an update on my most recent grievance. They could not provide any updated information. Because I am no longer stationed in Georgia, owning this home has placed a financial burden on me. The home has depreciated significantly therefore a short sale seemed to be the best option ; however, neither my realtor nor I could have anticipated Chase mortgage being detrimental to the process. As an XXXX XXXX service member, I am attempting to save my XXXX loan benefit and avoid foreclosure at all costs. I am completely unsure what to do in this situation.
Account listed XXXX under XXXX different account numbers. Mortgage servicing transferred between XXXX companies but only XXXX loan. Experian refused to correct and when I tried to upload documentation (included here) Experian placed a block on me so I could not. The XXXX date of delinquency was XX/XX/XXXX and the account fell off all XXXX reporting agencies by XX/XX/XXXX. Unfortunately the duplicate account is still present on the Experian report. By phone on XX/XX/2015 I spoked with (XXXXTeam Specialist) for Experian (would not give me any more identification) informed me that it is my job to verify the data with the creditor and to give Experian the name and number of who I talked to and they would follow up. I informed him that I wanted to know who Experian talked to for validation of my data and XXXX informed me that they did not have that information and was not required to have it. I asked him if the verification was done by automated response and he could not answered. I have enclosed the documents I was unable to upload through Experian below to validate my claim and hopefully get my Experian credit report to show accurate information. I have included a more detailed version of events below. Thank you.
I have sent the forms for the Income Contingent Repayment plan 3 times, but they say they still have not received those documents. I have submitted the documents through their online portal. I have proof via screen grabs that I have sent them the forms.
After having my wages paid into a different account, US Bank kept honoring automatic transactions for which there were no funds in the account to cover. To add insult to injury they have, as of todays date XX/XX/XXXX, levied over {$180.00} worth of overdraft fees on my account. I am currently on the phone for the second time in less than an hour to their customer service number, XXXX XXXX XXXX, the first time having been hung up on by one of their associates. I am now speaking to XXXX, XXXX ID XXXX, who has said she has no supervisors available to speak to me and who has refused to reverse the fees. I am asking you to ask US Bank to waive the entirety of those fees immediately.
I have disputed this account with the credit bureaus on several occasions as well as disputed with XXXX. This company continues to report this unverifiable, inaccurate account on my reports. I requested debt validation in XX/XX/XXXX and XX/XX/2016, to no avail. This company did not send me any documents I requested that substantiated a summary of all account activities, including all payments made, copies of charge slips, invoices or any other documents proving my indebtedness, nor did they send me copies of all documents sent to me regarding this account, copies of any papers that show I agreed to pay what they say I owe them, as well as prove the statute of limitations has not expired on this account. See attached documentation. The documents sent to me from this company DO NOT VALIDATE THIS DEBT AS BELONGING TO ME. Additionally, this company claims I said this was a fraudulent account ; however, you can see in attached documents that I only requested that they indeed prove beyond a reasonable doubt that this account indeed was mine. Since this third party collection company is unable to validate the debt, this item must be deleted from my report immediately.