WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed this account reported to Experian, from XXXX XXXX Bank. 
This account is too old to be listed and I have disputed it several times. I received a letter from Experian that they are not reinvestigating this dispute and considered it a frivolous request. Account # XXXX dated XXXX/XXXX/09 Please contact and help me resolved this issue with credit bureau.
I applied for a Chase Sapphire Reserve credit card in a Chase branch. However, the banker submitted an application for a Sapphire Preferred tier card instead. Additionally, I have ended up with several Chase credit cards but I only wish to carry XXXX so I would like Chase to 1 ) fix the Sapphire error by replacing my Preferred card with the Reserve card I applied for and 2 ) move the credit limit of all my Chase credit card accounts to the reserve card and close all other accounts but 3 ) before consolidating credit lines and closing accounts, please confirm that I will not lose any reward points accumulated on those accounts ... .in other words, since I will keep a reserve card active, all my existing points will stay as-is.
I disputed a collection on my Equifax credit report over 60 days ago, and for Equifax to provide a Reasonable Investigation and Account-Level Documentation for debt collector XXXX XXXX XXXX XXXX XXXX allege debt of {$300.00}. In addition to my dispute I requested Equifax to provide original purchase contract and verify the following on the original purchase contract : Name, Address, Phone Number, Date of Birth, and Signature. Equifax did not provide original purchase contract or Validation of Debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA that Im legally obligated to pay this allege debt. Equifax failed to uphold 15 U.S. Code 1681s-2 and fraudulently stated this debt meets FCRA requirements. Equifax willfully and knowingly executed non-compliance as per FDCPA 807. False or misleading representations 15 USC 1962e.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/2018 Equifax case # XXXX XXXX case # XXXX To Whom it may Concern ; I am contacting you regarding Equifax and XXXX Credit Agencies. 
In XX/XX/2018 I sold a piece of property ; XXXX XXXX XXXX XXXX XXXX, Ca. After selling that property I paid off another property XXXX XXXX XXXX XXXX XXXX, Ca XXXX around {$900000.00}. After paying off and closing these accounts my credit score dropped around 75 points. The credit Bureaus said they didnt know if loan companies closed them and we could have defaulted. I sent them copies of the pay off and recording with the State of California they were paid in full. They corrected the credit report removing the 2 loans and debt associated with them. After removing about {$150000.00} from our total debt our score went down again to XXXX and XXXX in XX/XX/XXXX when we paid off the mortgages the score was XXXX. They are now saying that our score is low because of credit card balances and will not adjust the scores even though we reduced the debt. I want to get a small loan against the property that is paid off to pay off all my other debt. We owe XXXX and its valued at {>= $1,000,000} at least. I had a XXXX dollars in my hand and could have done either. The credit companies wont change my score because the algorithms say we are in trouble according to Equifax and XXXX. Our complaint is their refusal to review and change our score. I have never had a 30 day late ever and have never defaulted on a loan. I own XXXX XXXX dollars of real-estate and would love to pay my cards off. Their policy and rating system is preventing me from doing that. I could have paid the Credit Cards first but I had no idea paying XXXX XXXX XXXX XXXX XXXX off my credit score would make it drop because it was mortgages. I think their  current policies are unfair and are designed to make money for the credit industry. A low score costs you big money regardless of circumstances. As a consumer you are powerless. They are costing me money and stopping me from getting rid of all my debt because they refuse to count all the debt that has been removed from my total debt There is no way to fight back. No human looks at the data and corrects it. You are my only recourse. 
Thank you for your time and assistance in this matter. Hopefully your agency can help me fight their one-sided bias practices. 

Best Regards, XXXX XXXX
Last month, on XX/XX/2018 I submitted my dispute for fraudulent closed accounts on my credit report. Unfortunately, those accounts have not been removed. 

Last week, I obtained my Identity theft report and submitted it with my dispute along with, FCRA section 605 ( b ), a copy of my credit report, and proof of identity.

I still have not heard from the bureau regarding my dispute last month.
I had a credit card with Banco Santander XXXX XXXX which I did n't use for many years, so the balance was XXXX. They collect an annual charge of {$45.00} and maybe that 's ok. but suddenly they started to charge late fees and other fees up to {$90.00} I tried to negotiate with them opening a claim but they declined turn down and charge off the account for just {$90.00}. Practices like that are really abusive.
XXXX and Equifax are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
I called into XXXX AND XXXX and XXXX XXXX department to cancel my membership and its been little over a year and they haven't canceled it and the creditors keep saying it locked on there end and i need to contact equifax which i did and they told me there is a credit lock and i told them to remove it and there is a computer glitch on there end and my credit lock is unable to be unlock and i called like 8 times to get this resolved and i never heard back from equifax/XXXX and XXXX  and XXXX XXXX and my credit is still lock
I was fraudulently debited money from my accto by a past vendor and was eventually extorted of this money due to Wells Fargo refusing to prosecute and claiming the case was dead due to their incorrectly filing the type of fraud charges ... 

I was deprived of {$3500.00}
I moved out of  XXXX    XXXX   XXXX   XXXX   in  XXXX  o f 2016. When moving out I completed a walk through with the apartment manager where she i  nformed me because I did not scrub the fridge out I would be required to pay for a cleaning company which would cost {$150.00} as well as {$5.00} for missing blind in the guest room. I agreed to these charges other than that the manager let me know the apartment lo oked great and wished me well. I later received a letter from  XXXX   XXXX  letting me they were charging me to replace carpet in the entire unit whi ch was 3 years old. They claimed I had destroyed the carpet by having an animal in the apartmen t which I did not own an animal. I sent them proof of the condition I left the apartment in and received via certified mail that they had received my dispute. I then received a letter from the apartment complex letting me know they did not agree and sent pictures of the apartment that again did not match the photos I had provided and did not warrant complete replacement of the carpet and I had filed numerous complaints with the apartment complex when I moved in and was dealing with my leasing agent,  XXXX . She claimed I would not be charged for the spotting in the guest room by the back patio as it was there when I moved in. I again submitted this information and I just recently found out that even though I was disputing the charges they reported to the credit company without responding.
I pulled my credit reports and noticed that XXXX had a hard inquiry on my for both XXXX and Equifax. I wrote both credit bureaus and in XX/XX/2018 and it was still there. I then wrote XXXX and they responded on XX/XX/18 that they could not find any information on me. They wanted my address copy of my credit report and my account number ( switch I couldn't provide because I did not apply for XXXX ). Then gave them all the information on XX/XX/XXXXto the XXXX  and as of XX/XX/XXXX have not responded to me. I have called XXXX XXXX customer service number and no one could help or have information of someone to contact. The Credit Bureaus won't remove it and XXXX has no idea how it got there.
Using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions were unabashedly prompted and lauded by XXXX activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. This feigned high-mindedness is particularly galling to XXXX Americans whose billions of tax dollars helped bail out these financial behemoths after the banks reckless business practices brought their companies and the U.S. economy to the brink of disaster.
the information on my credit score is all over 7-10 years old i got hurt at work XX/XX/XXXX and tried to go back to work XX/XX/XXXX but could not now i am trying to go back to work again and this credit score will not let me do any thing i have to work for myself because my injury makes me very unreliable why does n't workmens comp take care of me why do i have to have social security pay me not even near what i was making this country does not take care of its working men when they get hurt on the job i worked hard all my life i was getting ready to retire now i am homeless and have nothing
My credit report shows a negative collection/chargeoff from XXXX XXXX.This account has been closed since XX/XX/XXXX. The full balance was paid. XXXX XXXX still shows a negative account on my report. I disagree with this negative report from XXXX XXXX. 
This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX.
My name is XXXX XXXX and I have owned my home for 3 years and am in danger of losing it due to servicer negligence and an avoidable foreclosure. I am a veteran of the XXXX XXXX XXXX and was able to refinance this property with a VA loan. Due to a temporary hardship I fell behind on my mortgage payments and have been working diligently to get back on track with my servicer M & T Bank. I made the lump sum payment I thought would get my account current in XXXX, only to find out I was still behind due to all the fees and other charges they had levied on my account ; also, there was confusion due to another change in loan servicers ( there have been multiple changes in the short time Ive had this loan ). 

I could not pay anything more and decided to try to get my loan modified. I submitted multiple packages for review and after multiple denials I was finally approved for a trial modification. I made the first two trial payments, but then I was alerted that a small lien placed on my property by my homeowners association ( stemming from the same hardship period ) was going to cause M & T Bank to revoke my modification. That happened on XX/XX/XXXX, XXXXand M & T Bank then felt it necessary to set a foreclosure sale date for XX/XX/XXXX!!! I got them to postpone that sale date, but they rescheduled it for XX/XX/XXXX. 

I can make the agreed monthly mortgage payment but M & T Bank is not giving me a chance to get my mortgage back on track by rushing to sell my home so quickly. I am a XXXX XXXX XXXX veteran and am now a hard working employee of the XXXX XXXX XXXXXXXX. I also volunteer often with my churchs XXXX XXXX XXXX. In other words, Ive served my country in the military, I work now in a XXXX XXXX, and I continue to give back to my communityI do not deserve this treatment by M & T Bank. My hardship was temporary and I am back on my feet and able to afford the mortgage payment.
NEVER REC ANY DUNNING NOTICE, ONLY NOTICE WAS MAILED TO WRONG ADDRESS, FOUND OUT ABOUT ACT FROM CHECKING CREDIT, CALLED BONNEVILLE TO NOTIFY NEVER HAD CHANCE TO PAY OR DISP BILL AND THEY DIDNT CARE. UPDATED MY ADDRESS WITH THEM, THEY SAID THERES NOTHIN THEY COULD DO AND STILL DIDNT MAIL ME NOTICE WHEN GAVE THEM UPDATED ADDRESS. LEFT NO OPTIONS, FELT FORCED TO PAY BIF W/O CHANCE TO DISP OR EVER SEEING ANY DUNNING NOTICE. I DEMAND DELETION. HORRIBLE ACT MANAGEMENT, ILLEGAL TO REP TO SOMEONES CRED W.O GIVING THEM A FAIR CHANCE TO PAY A DEBT.
The CFPB needs to take action on this illegal activity that Citi Mortgage did and continues to do to consumers. Attached you will find the original DOT that was recorded in XXXX XXXX Public Records in XXXX XXXX, XXXX. You will see that the original Lender is XXXX XXXX XXXX. Also attached is a DOT dated XXXX XXXX, XXXX. This DOT purported to transfer this mortgage to Citi Mortgage. Here in lies the problem. XXXX XXXX XXXX went bankrupt in XXXX. Although XXXX is purported to be a nominee for XXXX XXXX, this is far from the truth. There is current law which clearly stated that XXXX can not be a Nominee for a defunct organization. This is highly illegal and I will continue to fight this with an attorney until something is done about it. Attached is also the XXXX XXXX XXXX Dissolution which clearly shows that they were dissolved in XXXX. This is the biggest kicker of all. XXXX XXXX XXXX was never licensed to conduct business in the state of Maryland, which voids any mortgage contracts that they initiated in the State of Maryland. It is evident that these actions are highly illegal and the CFPB needs to take some action regarding this.
SOMEONE USED MY IDENTIFICATION TO OPEN A FRAUDULENT CREDIT CARD ACCOUNT IN MY NAME AT BANK OF AMERICA.
Hello I am a customer with U.S Bank almost one year with the same problem with adding my VISA Debt Card to XXXX XXXX I called visa and they said I need to call my issuer about this problem and they will NOT treat me fairly as a customer to their institution ( US Bank ) I told them that Text messages ( also known as SMS, short message service ) and email are both safe, .Which is XXXX i use and there encryption for XXXX is 256 bit encryption and the site clearly stats Information you send or get through the site is private and it uses HTTPS ( HyperText Transport Protocol Secure ) and the message for the codes to activate debt or credit cards are secure here are examples what it looks like from a users PC OR XXXX or XXXX or XXXX FIRST STEP https : XXXX XXXX XXXX : The code to verify Virtual Card The verification code to activate your virtual card in is XXXX, for debt card ending in XXXX. 
Please note that this code is temporary and will expire in 10 minutes. If you try entering the code and it has expired, you'll need to request a new one in  _____________________________________________________________________ Second Step Confirmation : Virtual Card Added to XXXX XXXX ( R ) Hi, XXXX, start using your new virtual card in XXXX XXXX ( R ) We're letting you know that the credit card ending in XXXX has been added to XXXX XXXX by you ( or a joint account holder or an authorized user ) on the device with phone number ending in XXXX. 
You now have a virtual card ending in XXXX that's associated only with XXXX XXXX. This virtual card is connected to the credit card ending in XXXX but has a unique number separate from the physical credit card.
On XX/XX/XXXX at approximately noon, I was home with my father eating lunch when Meade and Associates called. I am my father 's power of attorney and caregiver. So, after getting his permission, the lady proceeded to tell me that he had a XXXX XXXXnpaid debt from XXXX Health from XX/XX/XXXX. I proceeded to discuss it with her that I had sent them a check and they refunded it back. She explained that he still owed it. In the end, I decided to pay it over the phone with dad 's debit card. I gave her the number and expiration, etc. She told me that the card went through. She then told me that there would be a {$5.00} charge ( fee ) for paying this over the phone AFTER she took my dad 's card number and running it ( bringing this charge to {$15.00}. ) I agreed to this after the fact because she already had my father 's card number and a stop payment is more money and he owed the {$10.00} anyway. At no time was the fee ever discussed before the card number was taken. She had ample time to tell me in advance. She even read dad 's card number back to me before telling me this with a pause. This is underhanded to explain this after the fact even if it just {$5.00}. So, the only reason I am complaining is of this tactic of extracting more money from my father afterward with no explanation beforehand and no offer to explain to us how we could pay it another way to avoid the fee. However we might have felt about paying this 'convenience ' fee, I bet there is some 'law ' or ethical code that they must disclose such fees in advance of running a debtor 's card number. Our phone number is ( XXXX ) XXXX if someone would like to call us about this.
I have inquiries on my Transunion report that showed back up on XXXX/XXXX/16. Apparently they had some sort of error in XX/XX/XXXX and they never informed me and now all these inquiries are on my report that should n't be. I called them I keep being told they do n't know what I 'm talking about. I would like those inquiries removed immediately.
I have a savings account with HSBC bank that is now in dormancy because there was no  activity on it for a period of time. The account has funds in it which I would like to access. I 've called HSBC three times over the last month to have them send me a form to release the account from dormancy status so I can access it. I live in a state where there are no HSBC branches, so I ca n't easily get access to the form. I also sent HSBC a notarized letter asking them to release the account from dormancy. To date nothing has been done. HBSC has been unresponsive when I ' ve called, telling me I just need to wait for the form in the mail. When I called on  XXXX , I spoke with someone named  XXXX . The second time I called on  XXXX , I spoke with someone named  XXXX . The third time I calle d (  on  XXXX  ) I spoke with someone named  XXXX . They have refused to email me the form, or send it to me via expedited shipping where it can be tracked.
I recently submitted a complaint on USA Discounters under case # XXXX. They were to refund me the amount that they garnished my wages. It has been two months and they have not refunded me the money that they garnished from my wages. The amount has totaled {$1200.00}. I am still waiting on them to refund me the money that they said they were along with what was garnished with it which is the total stated above.
In XX/XX/XXXX, I entered into the Public Service Loan Forgiveness Program and my servicing company was XXXX. XXXX  was very easy to work with always had the most accurate information. Information regarding the number of qualifying payments was available and up to date on their website. In XX/XX/XXXX, my loans were taken over and transferred by XXXX XXXX without my request, approval or knowledge. I found out this occurred the next time I contacted XXXX. Since I am nearing retirement age, I am always checking to see what the status is of my " qualifying months ''. Every year I submit a new Employment Verification form as advised by the Department of Education. I contacted XXXX XXXX to request this information and they have NEVER been able to tell me what the number of qualifying months is. The employees who are supposed to provide customer service are anything but. They have an attitude and skirt around every question or request for information I present to them. The ONLY place you can find the qualifying number of payments is on the statement. However, the number of qualifying months KEEPS CHANGING going up and down, mostly going down and my student loan balance keeps going up. They aslo tell me they can not verify any of the payments made to XXXX  yet my account was transferred to XXXX XXXX. On XX/XX/XXXX, I contacted them because the XX/XX/XXXX Statement shows only 12 qualifying payments, however, the XX/XX/XXXX statement shows 32 qualifying payments. I thought perhaps there was an error in adding the newly approved payments from the recently submitted Employment Certification Form to the already identified 32 qualifying payments. I was told that since I requested an audit on my account ALL the payments had to be re-verified. This process has been going on since XX/XX/XXXX and they could not tell me how long it would take. I asked to speak to a manager and was basically told that's they way they do things, would not provide me any policy stating the process, did not offer to expedite the process and said this could cause my qualifying payments to do down. Now how hard is it to qualify the payments each year and then add the new qualifying payments each year they receive an Employment Certification form. It is very disenchanting when the qualifying payments becomes a moving target. I am unable to plan for my retirement not knowing how many more years I have to work so my loan will be forgiven. In the meantime, my balance keeps going up and if my qualifying payments are one short, I will owe the entire amount irregardless of what I have been paying since XX/XX/XXXX.
I have been a great customer with Wells Fargo Home Mortgage since 2002 and we had a family tragedy which cost us XXXX in expenses and counseling. Wells Fargo mistakenly pays my property taxes and then apologizes over and over but has taken my payment to {$820.00} a month for 8 years now!!! I pay my own taxes and they know it. During this tragedy we were not able to follow all the ridiculous notices that they did it again and subsequently was paying the same amount but they had raised the monthly payment to make up for their error and when my payments came in they were not applied to my monthly mortgage they were eaten up by fees and additional charges. This made it appear I was not paying and now they have foreclosed on my house with a lot of equity. I mean what evil people would do this during our nightmare. My wife, a XXXX of 22 years had to resign her job because of grief and we are struggling with kids in college etc. They offer to help but switch me all over and never respond to calls. We reported to another agency and suddenly they wanted to help but have been dragging their feet and continue to bombard us with foreclosure documents and filings. They always claim I did n't send something and wait days before responding to stall so they can steal our home. I need this to stop ... .it continues to make my wife even more sick I am supposedly working with a XXXX XXXX who 's answering machine always has the wrong date and never responds by email and by phone week later
I have a retirement account at Wells Fargo setup through my employer. At the beginning of the year Wells Fargo sent a notice that all future retirement statements would be sent electronically unless I opted-out and requested them to remain sent by mail. Since then I have NEVER received it by mail even though I requested it several times. Each quarter I am re-signed up for electronic statements even though I do n't have an online account. I am then sent an email stating that I have requested it to be sent electronically. 

Every quarter they claim to change my delivery preferences but I NEVER EVER GET IT! I believe it is a deliberate attempt to force me into agreeing to their online XXXX which requires me to relinquish several of my rights. 

I have never agreed to have this account and have stated my distrust repeatedly. Wells Fargo has it setup with my employer so that my employer can make cash donations to Wells Fargo in my name. There is a retirement fund ( which I can not close ), which donations are made to ( which I can not move ), and all of it gets taken by Wells Fargo for " Bookkeeping Fees ''. They should be investigated for fraud and should NOT be able to use peoples identity against their will to launder money! 

Wells Fargo also uses my personal information to send me constant solicitation which I have requested numerous times to stop.