WillisBack/dataset-financial-user-claim huggingface dataset:
As a tax paying American, I am angry and disgusted that Bank of America, after accepting billions of tax dollars which helped bail them out after the banks reckless business practices brought their company and the U.S. economy to the brink of disaster, that they are attempting to control public policy by limiting loans and services to pro-firearm individuals and companies. This is revolting and disgraceful behavior and a stop needs to be put to Bank of America and any other company who received Federal assistance and attempts to dictate public policy. What ever happened to free enterprise?
On Friday, XXXX XXXX, XXXX, I submitted an Identity theft report to Equifax. The XXXX XXXX XXXX, account number XXXX, fraudulent account was never removed from my file. This account is documented in the Identity Theft report which included an FTC complaint and a police department complaint that was provided to Equifax. Equifax claimed to verify the information using my name and social security number. My name and social security number has been used by someone else without my permission. This is the root cause of the entire problem. 
On XXXX XXXX, XXXX, I submitted a complaint to the Consumer Financial Protection Bureau, Case number : XXXX. In this complaint, I attached the same information showing that XXXX was disputed and listed in the initial police report and the FTC report for Identity Theft. Identity theft in which my name and social security number were used without my permission. 
On XXXX XXXX, XXXX, Equifax again refuses to remove the inaccurate account information from my file stating " XXXX XXXX XXXX account number XXXX has been verified as reported with the following Name, Social Security Number and address. Written confirmation has been mailed to you. '' This is the whole reason I am disputing this account, someone has stolen my identity and is using my name and social security number. 
I do not own a home. I have been renting since XXXX.
XXXX   XXXX   I was out of town and friend of mine got a ticket in  XXXX  for improperly parking my car. He forgot to pay it so it went to debt collections. The company is Professional Account Management,  LLC  in  XXXX . He said he eventually paid the {$72.00} debt but lost the receipt information. I paid the debt because he could not find the payment and neither could they. It was paid on   XXXX   @  XXXX  for citation #  XXXX  according to the receipt I got in email from  XXXX  XXXX  XXXX . A month later I got another letter stating I still had a debt that needed to be paid. I called them and  XXXX  of the  XXXX  agents said that I needed to send a letter and the copy of the receipt to them and they would work on figuring it out. I sent them a letter sometime in  XXXX . I got a letter in the mail from them ONCE AGAIN basically saying thanks for notifying us but you still owe us money. I have reported them to the  XXX  but I 'm taking this all the way to the top. Either they have shady business practices or their  XXXX  Agents are stealing money from the company. I am not the only person with this issue. I looked at their  XXXX  page and it says they have " A+ '' rating but there was a complaint similar to mine.
Hello, I have contacted Equifax several times about the non- factual inquires located on my credit report. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Also Equifax has had several glitches which is where the mix up with these accounts came from being on my credit report. DO NOT REPLY WITH A GENERAL MESSAGE. THIS IS A REAL ISSUE AND NEED TO BE TAKEN CARE OF ASAP. 

Please contact the companies below and investigate such occurrence. Also, the accounts listed have also been deleted by Other Credit agencies, please follow suite and delete these immediately. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete these non-factual records off my account immediately. 
ACCT NAME INQUIRY DATE EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
There is a judgment on my credit from XXXX XXXX XXXX XXXX in XXXX XXXX, MD. I paid off this judgment on XXXX/XXXX/2012, but it has remained on my credit even after speaking with the attorney 's office who accepted my payment on behalf of the XXXX XXXX XXXX. They have n't updated the major credit bureaus of my pay off thereby causing a severe negative impact on my credit.
Navient is reporting a different amount owed on each credit report. Non of the balances are the same and they each differ some by over {$2000.00} in balance. I 've sent letters in the past asking them to correct the issues but the balances still remain uneven. XXXX just removed two of the loans but XXXX and XXXX has not.
I applied and received a XXXX XXXX card from Capital One, I made my first payment of XXXX early so I didnt have to wait for the auto pay to kick in, but as it happened auto pay took out another XXXX Capital One refunded it on XX/XX/XXXX but then turned around and took it out again, I contacted them on this, they ask me to fax the info from my bank to them, I did so, they claim they didnt get it then they said they did and I would would receive a refund no later than Tuesday XX/XX/XXXX, thats today and no refund, so I contacted them again today they claim they never received it ( sure they did'nt ) so they gave me a link to e-mail it to them, i did so, they I contacted them and wouldn't you know it! they still havent received it. 
This is fraud!! CFPB I need you to investigate this and fine Cap One {>= $1,000,000} also i am reporting this to my attorney as well as the Texas Attorney Generals office for investigation.
Commonwealth Financial c urrently is trying to collect a debt for the amount of {$930.00}. They have kept this on report when they also do not have a license to collect in the state of Florida. I have contacted them asking for the removal and also forward this information to all   XXXX   credit bureaus.
I received a payday loan from XXXX and ended up gett other loan to pay that loan. I was paying XXXX $ every pay check but only XXXX $ for wha was being paid went to the principle. It would ha taken 17 payments making a XXXX $ loan cost me ove XXXX . 
I ended up lost in in loop now I owe speedy cash for a ridiculous sum as well as th cash store. I XXXX and ca seem to find out way to stop th loans gaining more and more interest. 
What can I do? If there help without another loan I 'd like to know.
I have tried to verify information for a collection account for a medical account that appears on my Experian credit report but have not received the information that i requested to verify this information.I sent a letter asking for information and pro of on  X/XX/2017  a nd received a response from Experian that they had verified. Then sent another letter to the collection agency for debt validation on  XXXX  which they received on  XXXX  .I  have not received a response from the collection agency to verify the debt.I then sent another letter to Experian on   XXXX   which they received on   XXXX   to remove this debt because I had not received a valid response from the collection agency Experian is  the only one  reporting this UNKOWN medical account and the only response they have given is a request that I provide the collection agency with the data that they do NOT have and were unable to verify. I would like this account removed as I have not received proof of this account as requested with communication with Experian. I also have letters and tracking numbers to when the letters were sent and when they were received. I look forward to having this resolved.
I have had a credit card with Bank of America sinceXX/XX/XXXX. In fact it is my oldest credit card and had a decent credit limit on it. These items are important as they are factors in determining my credit score.
According to the bank they closed my card on XX/XX/XXXX. Bank of America never contacted me to tell me they were going to close my account, nor did they inform me when the account was closed. I became aware that this had happened on XX/XX/XXXXwhen a credit monitoring service notified me that one of my accounts on my credit report had been reported as closed.
I called Bank of America today,XX/XX/XXXX, to have them reinstate the card. I was first put in touch with a man who could not have been less helpful or poorly trained. He then mistakenly transferred me to their fraud department who, after doing their own digging, determined I should be transferred to their credit department. I finally spoke to a woman who was able to understand the problem but informed me that the bank would not re-open the card. I was then told I could re-apply for a new card which does not help me.
I think it is horrible that Bank of America would be so cavalier  with other people 's credit and credit worthiness. My credit history is now shorter, the average age of my accounts younger, and my available credit diminished. I was a customer in good standing and never had a late payment. In addition the unilateral action with no prior information and no way to reverse this is startling.
Equifax has fail to provide me with proper documentation regarding a midland account that I have disputed in the past and is still been reported as accurate.
XXXX XXXX  has denied to return {$99.00} to me and close my account properly after they say a transaction from XXXX placed my account in the negative. I have spoken with XXXX recently for 2 hours and they are unable to find ANY record of them charging me {$99.00} dollars to my simple bank account. But XXXX XXXX told me today they will not Reverse the fee for XXXX and will close my account after 90 days of it being negative and refer me to a credit collection company even though i have given them all the proof that they are indeed WRONG.
Please see complaint # XXXX. As of today, XX/XX/XXXX, this issue has still not been resolved. The lien has still not been released. The mortgage company responded XX/XX/XXXX that the issue would be resolved in 15 days. Please assist me in resolving this issue.
I am a New York State resident. I refinanced my home mortgage with USAA Federal Savings Bank, signed XXXX/XXXX/XXXX. The monthly payment, included PMI ( {$79.00} per month ). As the appraisal value reported before the signing, was valued at {$290000.00}. As of XXXX/XXXX/XXXX, the outstanding loan mortgage was {$230000.00}, as I have made extra dollar toward the principal reduction each month since XXXX/XXXX/XXXX with no obligation and penalty. 

As I called and tried to reach out USAA-Mortgage Dept since XX/XX/XXXX, requesting my PMI to be cancelled or to be removed, and I did not get any immediate answer, until I received a letter by a regular mail that, is requesting a new appraisal value as of today ( it must be current ), and I must pay the appraisal expense directly to USAA. ( USAA was outsourced to a third party company called, XXXX/phone # : XXXX, for managing the loans and the payments on behalf of USAA. ) Since XX/XX/XXXX to XX/XX/XXXX, my request has gone undetermined, even I have a good payment record, and I met the requirements ; current payment, no late payment, current escrow payment ( no obligation on the extra dollar amount toward principal reduction each month ). I checked the New York Department of Financial Services 's web, and researched more in detail related to the PMI and the cancellation, and other requirements. The New York Department of Financial Services guided that it did not require a current appraisal report in order for PMI cancellation, and it must follow the appraisal reports used on XXXX/XXXX/XXXX. 

I had explained and tried to provide the sources to the managers ( third party Co ), related to the NYS-Dept of Financial Services, and all managers refused to listen and ignored to follow the NYSDFS 's guidelines, and verbally over the phone that regardless the current balance is below the 80 % threshold. I tried to reach out HQ-USAA, and I was unable to speak to someone that could help me at this point. As of today, I am still paying the PMI, as part of my monthly mortgage payment since XX/XX/XXXX. 

Please advise, should I continue to make the PMI payment every month to USAA until the expiration date of XXXX/XXXX/XXXX even the current principal is below the 80 % threshold? If I requested my PMI to be terminated by XXXX/XXXX/XXXX, and I was informed by USAA-a third party Co that, they still need a new and current appraisal report. In addition, the automatic PMI termination date is on XXXX/XXXX/XXXX with no requirement for an appraisal report.
This account was closed by myself voluntarily. I no longer wanted to do to business with this company and closed the account voluntarily. My report shows that it was closed by the company and it is reporting negatively on my reports. This has became a big issue in obtaining credit. Please remove his account from my report
Good Morning- My credit score with XXXX is much lower than with XXXX . After doing some digging, I found that XXXX is reporting the XXXX XXXX XXXX XXXX as Open-Derogatory ... .Chapter XXXX Wage Earner Plan Account. This is incorrect. When I filed Chapter XXXX, I filed alone. My ex-husband was not involved. The car was never included in the Chapter XXXX. The car was signed over to my ex-husband. Therefore, he is responsible for the car and is making payments on time.
The debt collection company MSB Municipal Services Bureau did not respond to my letter of dispute and I also requested them to validate the debt. Instead, they sent me a second notice indicating that they gave me the opportunity to dispute and there was no notification received by their office. After receiving their XXXX notice I called them at XXXX the XXXX representative was very rude and snide when speaking to me, he then put another representative on the line and he admitted that MSB did in fact receive my letter of dispute and request for validation of the debt. The representative then said that because the XXXX letter was already sent that I could no longer dispute nor did they have to validate the debt. My initial dispute and request to validate the debt was completed within the XXXX day time frame allowed by law.
Debt does not belong to me and after research I have found National Credit System does not have License to collect in my state which is Florida
I recently got married and went to my husbands bank to be put on his checking account ( XX/XX/XXXX ) so they pulled my credit and told me I couldn't get onto his account because I had a collection on there from XXXX XXXX. 
I was confused as to why I had a collection because I had closed my accounts there almost a year ago, so I called XXXX Bank ( XXXX @ XXXX ) and they said they sent me to collections due to a balance on my checking account. I had no idea that I had a balance on my checking account and when the account was closed no one told me that I had an outstanding balance to pay. Not only that but I guess they had an old address on file that I haven't lived at for over a year and were sending information and statements to that address. I moved into my new address XXXX of XXXX and had no idea these letters were being sent to my old address. Nobody called me or reached out to me in any other way so how was I supposed to know that I had an outstanding balance? The only way I was even brought aware of this debt was because I got married and tried to get on my husbands checking account. XXXX XXXX  told me it was my fault that I didn't give them the new address ( the account was closed or wasn't being used so why would I give them my new address? ). The collection company XXXX XXXX said that they couldn't help me either and I ended up paying the debt amount that was around {$51.00} ...
When I went t o the Hospital, I su bmitted my health insurance card, they assured me that they would send me a bill. They never did, nor did receive anything from them. I gone to this hospital for 9 ye ars ( at least 30 different times ). I have always paid them their payment. This these two times they never send me anything. I need a fair opportunity to pay this bill, so I can pay the bills and I need this removed from  my credit.  <P/> COLLECTIONS Original Creditor  XXXX   XXXX   XXXX   XXXX  Opened Date      XXXX   XXXX   XXXX              CENTRAL FINANCIAL CONTRO Opened    XXXX   XXXX   XXXX   {$42 0.00} Original Creditor  XXXX   XXXX   XXXX   XXXX  Status Open Opened Date    XXXX   XXXX   XXXX    CENTRAL FINANCIAL CONTRO Opened    XXXX   XXXX   XXXX      {$150.00}
On XX/XX/2018, I submitted a copy of a police report to Equifax which stated that the information on my credit file was not my information. Equifax is reporting someone else 's CLOSED reports on my file in addition to collection agency that is reporting a fraud account as well. I contacted Equifax HOWEVER they explained that they verified and updated the incorrect information without a thorough investigation.
I received a forberance on my loans last spring. XXXX 2016. When i saw i was recently reported the last few mths for non payment i contacted the Fed Loan Servicing center and my info was not entered correctly on the fed loan side. The women i spoke with stated shefixed the error and suggested i file a dispute. They will correct the statemenr of multiple late payments.
Here is a copy of a letter I sent to Discover card in XX/XX/XXXX attempting to resolve the problem. I never had any response from them regarding the issue. I also tried calling them, and the three credit reporting agencies on multiple occasions. 

I disputed the issue with both XXXX  and XXXX to get the item removed as a " negative item '' on my credit report. XXXX are now reporting correctly, but XXXX have made no changes following their investigation into my dispute. 

Re : Account # ending in XXXX In response to your letter of XX/XX/XXXX, the information you received about my complaint is wrong, even though I have told you several times what the problem is, and I have been trying to resolve this matter for over a year now. I have not been the victim of fraud. What I told you and XXXX, is that you reported my status to them incorrectly, and I would like you to report my status correctly, please. 

I am tired of having to go over this again and again, with both your company and the credit reporting agencies. I am now putting this in writing, and I would ask that you please resolve this matter as soon as possible, so I dont have to waste any more of my time. 

Your actions have directly and negatively affected my credit and FICO score. Here is the sequence of events, for your records. Please make a note of them, save the information, and relay the correct information to all of your departments and to XXXX ( it seems that XXXX  and XXXX are reporting correctly now ) : I had a credit card with you ending in the above number from XXXX until XX/XX/XXXX. In XX/XX/XXXX I filed a Chapter XXXX bankruptcy which was dismissed two weeks later  and never actually happened. I had always paid Discover every month on time with no problems. When I couldnt get into my account online to pay my monthly bill, I called your office and discovered that you had closed down my account without informing me, thereby cutting off any ability I had to pay my bill, which I was prepared to do. The rep from your office that I spoke to told me there was nothing I could do to take care of the payment. 

In XX/XX/XXXX I was contacted by XXXX XXXX Services telling me that they had been hired by yourselves to collect the outstanding debt of {$600.00}. I told them I was prepared to pay the entire amount, which I took care of in three installments. I asked them if this would help my credit situation and they said yes. In XX/XX/XXXX I received a notice from you letting me know that my account was paid in full. 

Subsequent to that, I discovered that my account with you is being reported with XXXX as a charge off, which apparently is a negative item, rather than a positive item that has been resolved. I feel it is very unfair that I should have this reporting negatively on my credit, when I did nothing wrong. I always paid you every month ; I offered to pay you during the period when my bankruptcy was filed and you refused to allow me to do so ; and I paid you through the collection agency when they asked me to. Yet I am being penalized, and my FICO score is lower than it should be, because you continue to report this inaccurately.
I just recently found out that I have a judgement against myself ( From a credit report ) I went to the Court House and asked them. They told me, " Yes you do. '' and provided me with the paperwork stating how much the judgement was for ... And now .... The collection agency is demanding over a {$1000.00} in interest. I was never notified of any actions that were taken against me by the collection agency. Then when I called them today and asked them to provide me with the judgement paperwork, where it shows that they were awarded that interest, they refused to do so.Please help me to resolve this issue.
In 2016, My wife and I were discharged from Bankruptcy chapter XXXX which included the debt on the home we were living in. The house was supposed to be auctioned off, and sold. This however, has never happened, and still is showing at the county that we own the property. We can not purchase another home until this property is off of my record at the county. I do NOT need credit adjustment, just it foreclosed  on, so I can move on.
For the past year I have asked this company to validate that this debt and the only information they have been able to provide me with is what appears to be unpaid bills. 

This company is reporting to the ( 3 ) Credit Bureau 's : XXXX, XXXX, and XXXX that I owe {$780.00}. This has been a highly negative impact on my personal credit report. Please understand this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that the claim is disputed and validation is requested.
We are a   XXXX   XXXX   organization. We obtained a credit card from  American Express ( " AX '' )  because they promised 1.5 % credits for all early payments of their credit card bill balances. We set up an autopay arrangement with our bank to assure AX would be paid as soon as AX electronically notified the bank of the monthly balance due. We always had more than enough in our bank account to pay the balance. AX then unilaterally stopped posting the credits for over a year while we tried to find out why they violated their agreement. AX then levied a {$2100.00} " late fee '' after agreeing to restore some of the credits. They have refused to restore the late fee taken from our bank account without authorization or justification or pay the balance of other monies owed to us. We learned from an AX representative other non-profits were also unilaterally denied early payment credits. AX 's principal bank is  XXXX   XXXX , which is deeply involved in its own history of defrauding customers.
My student loans got discharged by navient because Equifax is stating that I am defaulting on my loan when they were forgivin this has caused me to lose my security clearance and be denied credit. 
Equifax is reporting that my XXXX XXXX is late which is not true they were paid off in full.