WillisBack/dataset-financial-user-claim huggingface dataset:
I have been dealing with an on-going dispute involving my credit reports. I have a derogatory account reporting on my credit for an auto loan that I did not open. This account is not mine and neither did I assist anyone on this matter. This information is incorrect and does not belong to me
XXXX XX/XX/XXXX i was searching for a new phone and XXXX requested a credit check I sent a letter to dispute it but its still on there. I never got a phone from them nor was I billed for anything. 

XXXX XX/XX/XXXX I check my report and seen it was on there I have no clue where it came from I tried to dispute but nothing was done.
In 2014 I received several unsolicited phone calls and got sucked in to the " work from home/online business scam ''. I paid several companies enormous fees and specifically paid these related companies : XXXX and XXXX XXXX a combined total of {$19000.00}. I have attempted resolve my complaints directly with them and have been completely ignored. After learning my rights as a consumer, I know that these transactions can be disputed but based on the transaction dates I was informed that they are too old to dispute.
On XX/XX/XXXX a State Tax Lien for {$14000.00} appeared on XXXX, XXXX, and Transunion credit reports. I took action right away and was able to prove to the Franchise Tax Board that they had filed this in error. I submitted documentation and filed a dispute with all 3 credit bureaus. Within 30 days, XXXX  and XXXX removed this tax lien off my credit profile. Transunion however never notified me of results. I have attempted to call back on XX/XX/XXXX to see why my dispute was not processed properly. Not only was I on hold for more than 30 minutes, but the person helping me was extremely difficult to understand and there is clearly a language barrier. It sounded like they were reading of a script and could not answer any of my concerns. To make matters worse I was told they had no record on my dispute in XX/XX/XXXX. I filed another dispute on XX/XX/XXXX with confirmation number XXXX. I was told by the person helping me that their verification is electronic and they only verify my personal info such as name and social security number. This matter is impacting my ability to purchase a home for my family. I find it difficult to understand how a creditor can file ANYTHING to a person 's credit report, specially something that can not be verified but in order to prove that its not mine I have deal with it for months and go through a process that clearly is not on my side.
I would like to complain about EQUIFAX because they sent me a letter on XXXX XXXX denying me an investigation regarding accounts that have been delinquent and inactive since 2008. I have suffered over 8 years at the inaccurate reporting of these accounts and they keep leaning on their false information and using it again me and refusing to conduct an investigation. They are reported incorrectly and these accounts have not been paid or negotiated with since 2008. A ) XXXX XXXX B ) XXXX XXXX XXXX # XXXX C ) XXXX XXXX Bank # XXXX are all inaccurately reporting. I demand all paper work they used to verify and deny me my removals. The dates of delinquency are inaccurate and further unverifiable and outdated, these accounts are incorrect. These are not lawfully or honestly reported and this is a sever violation of FCRA law and CFPB guidelines. Please help me pursue an appropriate investigation against their lack of investigation and legally removing these terms. I would like to know my options in case i am in need of an attorney. They are pushing me away and asking me for a statement, which i absolutely refuse because that would make their illegal and incorrect reporting allowable and that is not fair nor is it legal. Thank You
I paid off another account a couple of years ago with COLBRSRV and then they decided to add this debt to my report after I paid off the other debt. I have never been to XXXX before. I have asked for a copy of their investigation, but they refuse to provide it. I have also asked that a HIPAA Compliance officer provide signatures and any other documentation that shows that this is my debt, but nobody is providing anything. There are XXXX debts from XXXX on XXXX totalling XXXX and XXXX debt on XXXX totalling XXXX. Neither of these debts are mine.
Today my sister went to a Chase Bank located at XXXX, NY XXXX. to make a deposit they rejected it because the account was compromised and they blocked it and their response is that account will be close. nobody can explain to us why was that or what happened. I called this # XXXX and the same thing, the operator could n't give us a right answer or solution to our problem. so Now our business is affected with a cause we do n't know, we sent many checks out, calling suppliers, asking for excuse, we can not accept credit card and make deposit, our money is frozen until they decide to send it back in two or three weeks, so what we 're suppose to do, close the business??
Sometime around XX/XX/XXXX or XX/XX/XXXX my wife got a notice from Capital one bank indicating that we owe on a credit card. we responding that we never had a Capital one credit card, but was taken to court. the case was dismissed in court but Capital one has been still trying to collect, using one collection agency after another. every time we send the collection agency the court dismissal notice another collection agency would contact us. we did not hear from anyone in years so we thought this matter was resolved, however we just got a notice from XXXX XXXX XXXX trying to collect the same Capital One account. Capital One Bank has still been sending us Credit Card approval notices, so if these approval notice get into the wrong hands the same thing can happen again.
XXXX XXXX, Equifax, and XXXX all show a bankruptcy on my credit report. This information was obtained by a third party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.
I was in the midst of a divorce and living with a gentleman in Oregon around XXXX. When I left, in XXXX, there was a debt to the XXXX where we lived, but the man with whom I had been living had made arrangements with the XXXX XXXX to remove my name from the account as well as pay the outstanding balance. The balance was much lower than Professional Credit Services ( PCS ) are claiming and was paid in full. 

I was still going by my married name at the time, and it changed only after the divorce finalized just before I moved away from OR. The name on the notice from PCS was my old married name XXXX sort of, they did n't get the entire name completely correct ), not the legal name I have currently. 

That was in XXXX. The first notice I received from PCS was towards the end of XXXX which would put the the debt at over 6 years, which is past the statute of limitations in Oregon. I have written them, and told them that I no longer owe a debt to the XXXX XXXX and that it is past the statute of limitations. I gave them minimal information, and told them to no longer contact me or I would report them. 

I received a second noticed from them in the mail on XXXX XXXX, XXXX 'offering help to pay my debt '. There is even less information in this notice than in the previous notice ( other than various account numbers XXXX. They do not seem to accept personal checks, only credit cards XXXX which I find suspicious ), and they did not heed my request to do further research into the debt they were trying to collect to find that it had been paid off. 

I received the first notice a month XXXX after I was remarried. I find it rather interesting that they suddenly found me after 6 years only after I had married and registered my name in various places by changing drivers licenses over, etc. 

I have lived in XXXX other states since OR, and am finally settled in a third with my husband. It is here they seemed to have found me. 

My complaint is that they are trying to collect on a debt that does n't exist and they are doing it 7 years later. Even if the debt still existed, they would be past the statute of limitations and, unless I am mistaken, this is illegal. 

I am keeping the promise I made to them when I first replied to their notice by reporting them in hopes that they will STOP trying to collect from me and others that do NOT OWE MONEY.
Synchrony bank has charged me for a Card Security fee without my authorization and told me they would cease this service and give me a refund within 1 week. I have yet to hear back from the company and yet to hear about anything regarding a refund to my account. The past year I have been receiving a XXXX dollar Card Security Fee without my authorization.
Where do I begin to express my dissatisfaction with PNC Bank and this company as whole, XX/XX/XXXX, I filed a complaint with CFPB, because PNC cross matched my address with my parents ' address, an address I never lived at and changed my billing information without my consent or contacting me to inform me and when I was attempting to use my debit card, my transactions were getting denied and then there customer service representative who were providing inaccurate information, informed me nothing was wrong with my account and attempted to convince me I was at fault, which was eventually proven a error on their part, and I am still tempted to sue due to the agony and embarrassment it caused in my life. PNC has also changed my name on my account without my consent or my request. Now falling in line with their unscrupulous banking practices as usual, the over excessive overdraft fees, they have billed my account between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have XXXX checking accounts XXXX with them and another with XXXX XXXX XXXX, the PNC account is just a back-up account ; a auto payment was setup for a student loan payment in the amount of XXXX and scheduled XXXX/XXXX/XXXX and I was under the impression it would be deducted from my XXXX account, although information for both accounts is setup under my profile for my student loans. In error the payment was processed on the wrong account. On XXXX/XXXX/XXXX this transaction came through my PNC account along with another transaction for XXXX which was payment made on my PNC account. I had enough in my PNC account to cover this payment, because again, I was aware the this payment was being reflected to my account. I was thinking nothing was wrong, until I will reviewed my account on XXXX/XXXX/XXXX and saw these excessive overdraft fees billed XXXX {$36.00} fees on XXXX/XXXX/XXXX, {$7.00} fee on XXXX/XXXX/XXXX, {$21.00} fee on XXXX/XXXX/XXXX, {$7.00} fee on XXXX/XXXX/XXXX, {$7.00} XXXX/XXXX/XXXX, {$7.00} on XXXX/XXXX/XXXX and needless to say this is a student banking account opened in XX/XX/XXXX, so no telling how many poor students, they are taking advantage and maybe a Class Action Suit needs to be file against them like the one currently pending with XXXX XXXX XXXX for unfair overdraft fees and I 'm willing to start it, because I 'm fed up.Then today on XXXX/XXXX/XXXX, I requested to speak to a supervisor upon denial to remove any of fees and she purposely transferred me to the automated system, which was very unprofessional. Then, I called back again on the same evening and male representative, attempted to cover for the agent by being dishonest and saying she did n't leave any comments, then came back after placing me on excessive holds, that he was able to locate her name and escalated my complaint.
We did a Deed in Lieu with Seterus, Inc in XXXX of this year. Since that time they have repeatedly altered the information reported to the credit agencies. First showing XXXX missed payments instead of the XXXX we actually missed. Following a complaint to the CFPB they removed that and a month later reported that we missed XXXX payments 6 months prior to Deed in Lieu when we had been paying on time. 
Seterus has also refused to provide a refund of ~ {$500.00} owed to us since 2012 when they mailed an escrow refund to us that was never delivered. I spent two years calling in and attempting to collect it only to be told I had to prove I did not cash the check in question.
This debt from my XXXX and according to the insurance they all paid as they received. ( XXXX, XXXX, XXXX, XXXX and XXXX bills.
XX/XX/XXXX, we visited Keybank regarding fees and was told my account would be placed on Key Privilege Checking. The benefits of Key Privilege Checking included free checks and no maintenance fee ( see attachment ). I recently had a NSF when I knew I had enough to cover the checks written. After reviewing my account, it was determined that it was the maintenance fee for {$25.00} which caused the overdraft. Further review of my account shows that I have been charged a maintenance fee of {$25.00} since XXXX XXXX, however my check reorders have been free. I have spoken to XXXX, who was able to adjust XXXX maintenance fee. XXXX stated further review would be required by XXXX and then we were advised XXXX could not make any further determination and I was referred to XXXX, Operations Manager who said all she could do was adjust XXXX more maintenance fees and that she would put my account on the maintenance free Employer program to avoid future fees. 

I am requesting a refund for the XXXX maintenance fees ( XXXX ) charged in error in the amount of {$250.00}. The fees can be seen on the attachments posted on XX/XX/XXXX/XX/XX/XXXX between XX/XX/XXXX-XX/XX/XXXX ( XXXX of the XXXX have been refunded by the bank ).
I am re-filing filing the previous complaint as I was not given a reason for having XXXX consecutive inquiries for an application. Telling me in my situation is not an explanation. How is my situation different from people who only get XXXX credit pull or an application or all of the pulls from different agencies all on the same day of the application. Saying in my situation is not an acceptable answer unless you expalin to me what my situation is/was that justifies consecutive day credit pulls.
XXXX and XXXX XXXX are borrowers on a HAMP agreement with Nationstar. The borrowers were in a foreclosure lawsuit in New York and the matter was adjudicated and an appeal is pending in Appellate Division, XXXX XXXX The borrowers were making their payments electronically and attempted to make the XX/XX/XXXX payment but was restricted. A 3-way call was made from the XXXX XXXX XXXX XXXX XXXX. XXXX with the borrowers and a representative from Nationstar, who verified that a code had been placed on the file and it had to be resolved through the legal department. The borrowers ' attorneys office sent emails to the bank 's attorneys explaining that if the borrowers are restricted from making payment it could trigger a default and caused the borrowers to be at risk of foreclosure. On XX/XX/XXXX, XXXX XXXX, XXXX. with the XXXX XXXX XXXX  XXXX XXXX who represents Nationstar in the appeal contacted XXXX XXXX, the loan processor with XXXX XXXX XXXX XXXX XXXX XXXX. XXXX who represents the borrowers to inform her that she needed a Stipulation to Withdraw the Appeal signed since the borrowers are in a permanent agreement and that she had spoken to the legal department of Nationstar to remove the " code '' so that the borrowers could make their XX/XX/XXXX payment. On XX/XX/XXXX the borrower again attempted to make the XX/XX/XXXX payment but there is still a code restriction on the loan. Because New York is a judicial state all mediation and loss mitigation is handled by the attorneys so servicers, banks, and investors will not communicate directly with the borrowers. Such restrictions put the borrowers at risk in such cases where payments have to be made or loan processing is retarded by law firms who are not underwriters and delay in forwarding paperwork to the bank. The borrowers have been restricted from making their XXXX payment because the bank 's attorneys want a signed stipulation withdrawing the appeal since the matter has been settled. Because Nationstar does not want to continue to pay attorney fees it is forcing the borrower 's attorneys to sign a stipulation and have put the borrowers at risk of default. Attached are my supporting documents and this matter has to be investigated so that the borrowers are not put at risk because law firms are bartering them as collateral damage. The borrowers have spent thousand of dollars in foreclosure defense fees and should not be placed with such imminent threat of financial burden.
I opened a account as of XX/XX/18 on XX/XX/18 I could not access my account ..blocked I called an was told no supperviser they would contact me I provide .my new number ... then next day I call arounf XXXX an was told there was an problem with tec support ..so again no supperviser on floor I leave my number once again ..next day I call around XXXX an explain noone has returned my calls in two days ..I was told because the person I receive the check from had a note on there account to contact them ..so i asked then why is my account froze ... .because of the lack of that person 's responsibility..it 's been two days at least unlock my account an review the check ..but give me no access to that amount ..they said sorry but they couldn't an because the department that could was gone ..they would have it fixed an again someone would call me ... again nothing again I call at this point it's been 5 days an no access to my account ... so I asked where did it say in my contract they would freeze my account because someone else not responding ..I get this answer or that but not anything where I aggred to this ..I ask for them to close my account at this point ..I was denide that oppsion..even tho they have not treated me as a customer.an feel like I'm being treated unfairly ..I have all recording of the calls ..an letters from then One state on the XX/XX/18 that there sorry they cant approve my account ..sorry but they would not allow me to open a account..I all ready had a account deposit money and had it froze ..I understand they have alot of departments that need to touch bases but this is caused me to no have a lone sent to that bank an day aftrr day mistakes on there part
My credit report shows an unknown address that does not belong to me, see following : XXXX XXXX XXXX XXXX XXXX, MI XXXX I would like to have it removed from my credit history. See attachment for detail. 
Thank you
On XXXX XXXX I reviewed my credit with XXXX and they have my XXXX score is very damaging at XXXX in which it should be higher than that. XXXX statements of 60 days late payment and collection and 10 hard unauthorize inquiries has n't been deleted from my credit file after my file Bankruptcy Chapter XXXX on XXXX XXXX and it was Discharged by XXXX XXXX Federal Judge on XXXX XXXX No negative statements, collections and unauthorize hard inquiries should n't be on my Credit report with XXXX, XXXX and Transunion. I did n't authorize no creditors to pull my credit without my personal signature, and if my signatures was provide it, than creditors should supply to Federal Government. The ten hard inquiries 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX.XXXX.XXXX pulled on XX/XX/XXXX XXXX XXXX XXXX . 2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX pulled on XX/XX/XXXX and XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.pulled twice in XX/XX/XXXX, even though I have car loan with XXXX why they pulled my credit without my consent. 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX pulled on XX/XX/XXXX5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX.pulled on XX/XX/XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX.pulled on XX/XX/XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX . XXXX.pulled on XX/XX/XXXX 8.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.XXXX XXXXpulled on XXXX/XXXX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX . XXXX.pulled on XX/XX/XXXX 10.XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX.pulled on XX/XX/XXXX and XX/XX/XXXX These are hard inquiries that are damaging my credit scores and plus collections and negative statements by XXXX, Transunion and XXXX. <P/>Also I never resided or lived at XXXX XXXX XXXX XXXX, XXXXXXXX.This address is on XXXX, Transunion and XXXX.This is Fraud.address
The Dispute Number XXXX is for an Equifax case file. 
I have a bankruptcy, XXXX tax liens and a judgment listed on my Equifax credit file as a result of a business closing in 2009. My XXXX file also lists the bankruptcy and XXXX tax liens. None of the issues are on my XXXX file. The issue is that my former employers business debts, and taxes were added to my personal credit file after the business closed in 2009. I have tried unsuccessfully since 2009 to have the errors corrected. The XXXX ( California Tax department ) and original judgment creator ( XXXX XXXX XXXX ) have tried numerous times to reverse the errors on my behalf. I have contacted Equifax and XXXX by phone, fax and mail, sent copies of my bankruptcy filing, and released tax liens, and the only responses from the bureaus was that the information was verified that it belonged to me. I can not dispute that the information belongs to me as it is associated with my social security number, even though the company that I worked for was a California Corporation. My dispute is that the debts were attached to me personally in error, forcing me to file bankruptcy.
We filed a complaint with XXXX XXXX about the fees that involved a lease agreement with XXXX XXXX XXXX ( located in XXXX, XXXX XXXX ) Place on XXXX/XXXX/2014 ( certified mail Receipt ), asking this company to dispute the charges. XXXX XXXX never responded to my request after 30 days. 
XXXX XXXX waited 45 days later and placed this item on my credit. They never disputed my item with the company. ( XXXX XXXX located in XXXX XXXX or Leasing agency ).
XXXX XXXX XXXX RESURGENT CAPITAL SERVICES L.P. account no.XXXX are wrongfully appearing on my XXXX and XXXX credit bureau XXXX XXXX XXXX the debt buyer for XXXX, ALSO ACCT NO.XXXX.THE ACCOUNTS HAVE BEEN RE-AGED.The correct date of first delinquency is XX/XX/XXXX DAYS LATE.The account was never brought current and was closed by the creditor on XX/XX/2012 when it was 90 days late. 
I have attached both the original creditors reporting to XXXX that have been verified many times along with XXXX XXXX.it is easily seen that the information, though verified as correct reports wildly different between the bureaus and is incomplete on key payment history dates. 
IN two months from today, if accurately reported both the original creditor and XXXX XXXX would age off the report. 
Please note what appears to be intentionally fraudulent reporting by the collection agency and original creditor.
i have over XXXX hard inquires on my credit report, which i did n't give authorization. I have tried to dispute them with all XXXX credit bureau, i have also call have each company to get each of the inquiry removed, they told me i had to dispute them with the credit bureau which they will not remove them. They are impacting my XXXX XXXX.
I TOOK OUT A SMALL LOAN AND PAID THEM OVER XXXX THEY WENT OUT OF BUSINESS ( XXXX ) I TRIED ON NUMEROUS TIMES TO CONTACT AND NOW THAT WE ARE TRYING TO BUY A HOME A SMALL LOAN IS NOW XXXX. XXXX WAS SHUT DOWN BY FEDS I READ SO NOW SOME GUY HAS BOUGHT THE ACCOUNT AND I AM TRYING TO SETTLE BUT THEY WILL NOT EVEN CALL ME BACK. I HAVE PROOF I PAID IT. IT TOOK ME AND XXXX XXXX TWO WEEKS TO EVEN FIND THEM THEY HAD SOLD IT SO MANY TIMES. THE INTEREST IS 97 %. THIS SHOULD BE ILLEGAL.
After the XXXX security breach, where my personal information was sold/stolen/given to unauthorized parties, I have been attempting to place Credit Freezes on my personal accounts with the ( 3 ) major Credit Agencies. 

As of this writing, no less than 18 hours of phone/computer time has been invested over the last 4 days trying to reach any/all of these agencies. No Luck.
My personal information is out in the open ; websites are crashing ; phones are not answered and I am being held hostage by ( 3 ) Credit Bureaus who have no interest in assisting me while my 25 years of diligent financial effort is vulnerable. 

I need to be able to reach a PERSON on the phone who can assist me with placing freezes on my credit. 
Thank you