WillisBack/dataset-financial-user-claim huggingface dataset:
my name is XXXX XXXX. XXXX. 
I have no luck resolving my issues with equifax. These are the following issues. 
my address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
Equifax has multiple other addresses on my credit, they are reporting incorrect information which is not lawful under FCRA. I only get U.S Postal mail at the above address. 
There were also multiple accounts on my credit That i was unfamiliar with and had asked for them to remove and they have also failed to do so. 
So I went and got an affidavit and filed a police report as well. 
Under the FCRA section 605B they are suppose to remove everything within 5 business days under the FCRA. They have also failed to comply.

Also Under section 611 of FCRA they were suppose to inform me of name, address and phone number verifying the information which I requested and they have failed to provide as well. 
Equifax is in many violations of the fair credit reporting act.
I borrowed from the companyXX/XX/XXXX. They were supposed to take out {$520.00}XX/XX/XXXX, but instead have been taking out {$120.00} every 2 weeks. I finally checked today to see if they were done withdrawing funds and they still show that I owe {$520.00}. When I asked for the original contract they sent me one dated for the XX/XX/XXXX. It appears they keep renewing my contract every 2 weeks. This is fraudulent and I was unaware they were doing this.
I have been a victim of identity theft. Equifax did not investigate. I spoke to the company the company said they notified all 3 companines to delete the account, from XXXX XXXX XXXX XXXX XXXX and XXXX immediatly updated and removed the information at the request of the collecition company. Equifax claimed that the company veified the account. I spoke with the company again and the rep verified once again they put in a notice to Equifax to delete the file equifax deleted the file and reinserted it 3 days later with no proofs and no prior notification. and aginst the companies request to deletion
Accelerated Financial is reporting that I have an outstanding collection balance with their organization for {$1600.00}. I have informed them, and provided proof, that I resolved this balance with the original creditor back in XXXX of 2018 ; but they refuse to correct the account on my credit report. I am uploading a copy of my final resolution sheet from the original creditor, showing the account was settled, and I have no outstanding balance.
I paid my monthly payment to the credit card company on XXXX/XXXX/2016 through my bank checking! The next month they charged me {$25.00} for not paying my payment! I sent them the statement from my bank showing it went out to them! they credited my account and the next month they charged me again saying they never received my fax showing the proof! I even sent them the proof from my bank showing everything they asked for, they gradated my account again only to add it back in the next month saying they never received the information even though it was sent on there secure server! I just looked at my XXXX statement and low and behold its back on my statement again showing me they have done it again! They sent me an email again with a link to their private server and I have just finished send them the documents again! I thought you might want to look into your records to see if their doing this to other customers as well! In a related matter they ca n't seem to keep my address records straight, we was never receiving our bill in the mail and the always give a different excuse or another
Regarding my business checking account : From XX/XX/XXXX to XX/XX/XXXX ( last  statement received ) I have been shorted a total of XXXX. I have a checking account at another bank that balances to the penny every month which also has more activity. I find it very odd that for 4 months in a row, my Wells Fargo checking account is chronically short, especially since my other account always balances and the Wells Fargo does not. After working in the banking institution and working as an account for over 20 years I can not locate any errors on my part. It is also strange that it is ALWAYS short. I am to receive my next statement any day now. If it is short again I will be reporting that as well. 
I am curious to know if any other complaints have come in regarding this nature with Wells Fargo. I sincerely hope this will be looked into as I viewed other complaints about this bank and was astonished to read so many complaints about them. 
An audit I hope? 
Thank you for this opportunity to voice this complaint. 
My contact numbers are : XXXX & XXXX. My E-mail is : XXXX My address is : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Signed ; XXXX XXXX
On  X/X/17   , I made an e-paymnet through Best Buy 's payment system, for the amount due of {$61.00} ; the payment cleared my bank the same day. On   XXXX  , Best Buy (  Citibank )  contacted me and indicated I was 10 days late and assessed a late fee of {$35.00}. I indicated that I had paid the amount the automated system indicated was due . Citibank re p 's only reply was that the paper statement indicated a different amount. In shor t, Citi 's auto mated payment system appears to have not kept pace with billing. When I called a representative to attempt a fee waiver, the rep indicated that this was not my first late ; and that they would not waive the fee. I 'm puzzled as to the relevance of such a statement, when the issue pertains to their e-payment system, not MY pay history. I paid what their system indicated was due, within the timeframe it was due.
I have started receiving repeated phone calls, and the caller leaves a message stating that they are a debt collector and that I must call them at XXXX. I have never received any written communication from this company.
This property is in some stage of foreclosure, but public records shows still in the owner 's name, not a Bank. They have discontinued paying assessments or maintaining the property and now have a large balance.
My name is XXXX XXXX and I have a check systems claim from JP Morgan Chase Bank on my check systems report for an old checking account I had with them In 2010 that was comprised due to identity theft. They sent me XXXX misc this year to forgive the amount they cclaimed was over drawn but they still have me in check systems for fraud. Someone stole my debit card and attempted to deposit stolen credit card checks into my account I made a police report and they still closed my account and now I ca n't open an account anywhere. Pleas help with this thanks
I went to the ATM ( US BANK ) at the US Bank location at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. I inserted my ATM card and said I wanted to Deposit cash. I deposited a {$50.00} bill, XXXX  {$10.00} bill and XXXX  {$20.00} bills. I got an error that stated " A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Please contact XXXX so we can assist in the return of these items '' I waited at the ATM until the screen went back to scan your card. I went inside the bank and spoke with XXXX XXXX. She told me that she would call the ATM provider this morning XXXX-19 and call me. I did not hear back from her. I left 2 messages. I called customer service and they sent me back to the bank. I asked for XXXX and also asked for the Branch Manager. No assistance. Very frustrated! They have my {$500.00} and I am told that I might not have that money for 10-12 days. This is totally not ok. What regulations are they required to comply. How can this happen???
Global Client Solutions accepted a total of {$1500.00} in payments on my outstanding debt they paid {$420.00} out to said debt and kept {$1000.00} of the money with no explanation as to where that money went. I was originally told that {$370.00} would go toward my initial fee for their services which leaves {$700.00} unaccounted for and never returned.
On XX/XX/XXXX I made a payment of {$15000.00}. It left a negative balance of - {$150.00}. On XX/XX/XXXX I received a refund from a merchant in the amount of {$29.00} which left me with a NEGATIVE balance of - {$180.00}. I made XXXX purchases on XX/XX/XXXX in the amount of {$1400.00} and {$110.00}. How can I be charged {$100.00} for interest on XX/XX/XXXX when I paid off my entire balance and had a credit??? I believe I was improperly charged interest in the amount of {$100.00}.
I am attaching a copy of the investigation request my husband and I submitted on XX/XX/XXXX. Over 30 days have passed, and we have not received a response yet.
XX/XX/XXXX-I submitted two letters to XXXX regarding an account that recently showed up on my report in which I am disputing. I have no knowledge of this account and asked that the physically/manually verify this account information. The results of their investigation are simply, " verified '' however, i have asked that multiple items of this debt be verified because it does not belong to me. I have also found that the accounts in question XXXX XXXX, based in Utah and XXXX, with an address in Ohio and Florid may not be licensed to collect in the state of Florida. I am in the process of submitting a complaint to the FTC Department. 


XX/XX/XXXX-I received results of the investigation simply stating the following, " the company that reported the information has certified to XXXX/XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. "  XX/XX/XXXX-I sent a certified/return receipt letter to XXXX formally asking that they provide actual EVIDENCE that I have a legal obligation to pay and ask that they provide detals of the monies they say I owe as well as provide me with a copy of the judgment they received, to identify the original creditor, copy of an agreement, as well as a copy of their license to collect in my state. I received noticed from them XX/XX/XXXX simply providing a list of accounts with balances and no further details of what I had originally requested. 

XX/XX/XXXX-XX/XX/XXXX and 9/18/2018 I have also sent a re investigation request into the accounts that XXXX/XXXX/XXXX claim that they have verified via certified mail. 

XX/XX/XXXX-I sent a letter to the collection agency XXXX XXXX asking that they provide me with the full details of what they claim I owe, license information, original creditor information, payment history, proof they are licensed to collect in my State which I have found they aren't, as well as a cease and desist letter since they have attempted to contact me at my place of work as well as social media platforms on XX/XX/XXXX and XX/XX/XXXX. I provided they with my findings and a copy of the Florida Statute they are in violation of. 

XX/XX/XXXX-XXXX sent notice that the accounts in question had been removed due to unable to verify, however, Equifax is refusing to comply. 

I have been disputing the debt with XXXX since last year and Equifax is the only company refusing to comply and be in line with the other companies that have already deleted this information that could not be verified. In turn they are repeatedly sending me basic information as to how they verified with the third party these debt belonging to be which is a clear violation of my rights.
I have sent letters requesting proof of my original application with my signature since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the company XXXX XXXX XXXX which has not been done, I have by law all the right to receive a copy of the original application where my signature appears, the obligation of them is to send them in case they fail to send them I demand eliminate that account from the credit bureau since they can not prove that it really is mine.
Concerning complaint no. XXXX : Company, Equifax, failed to answer my complaint. Their response had nothing to do with the nature of my complaint. In addition, CFPB is not even reading the Equfax complaint, or you would have rejected it. It is just a canned repy to some other subject than my complaint. 

I want the case re-opened, under the same complaint number, and tell Equifax to respond to my specific issue.
This is what happened leading to this ordeal. I tried to send money to my mother in-law, XXXX XXXX using Xoom.com in the XXXX for {$1500.00} on Saturday, XX/XX/XXXX. I initially sent {$1000.00} using my XXXX XXXX Checking Account but realizing that my mother in-law needed {$1500.00} I sent another {$500.00} minutes later using the same XXXX XXXX account. The first remittance went well without a glitch. But by the following Monday, XX/XX/XXXX I realized that I have an email from Xoom.com that the {$500.00} remittance was pending approval upon review. I called Xooms customer service and verified all the needed information regarding the last remittance. While during my phone call to Xoom I have found out that my account was temporarily put on hold pending verification, so I was not able to log-in into my Xoom account immediately. After the phone call, I went to check my Xoom account online and was prompted to the quick send page of the account and made the mistake of sending another batch of {$500.00} again to my mother in-law. Realizing this blunder, I called Xooms customer service minutes later to plead to them to cancel the last remittance but to no avail. They have said that they cant cancel the last transaction as it was already being processed. I have spoken to at least 2 more customer service reps to plead my case to no avail. I have told them that there will not have enough money available to cover for the extra {$500.00} I mistakenly sent for. Frustrated by not having the results I wanted I emailed Xoom hoping for a better outcome. But same results, Xoom will not budge. So as a direct result of this, by Tuesday, XX/XX/XXXX, I was charged {$70.00} by XXXX XXXX XXXX for overdraft fees. I called Xoom again yesterday, Wednesday, XX/XX/XXXX regarding my case and have found out that they have tried to cover their tracks by saying that I made my phone call to cancel over the 30-minute window. I made a printout of email correspondence from Xoom as proof of the cancelation request with time and date ( the email from Xoom acknowledging my request to cancel is dated XX/XX/XXXX at  XXXX ). And so, prior to the email cancelation request I have called Xooms customer service and according to Xoom they have records of my phone call so it would show that I was with in the 30-minute window.
Portfolio Recovery Services continues to report an erroneous tradeline on my credit reports and they additionally attempt to try to collect on it, clearly in violation of the law since they refuse to validate the debt despite my numerous attempts to get them to do so. My most recent attempts were XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
Freedom mortgage reported me late on my mortgage when I paid it on time. I paid it near the end of the month but not over 30 days late like it is now reporting on my credit report. This really harms me because I am going through a refinance with another lender and they are helping me save money on my payments. I feel like Freedom is doing this so that I have to stay with them as my servicer. The company that is helping me with my refinance and I have been in contact with Freedom at least over a month with no response.. we keep on getting the run around. My credit score due to this has dropped from XXXX+ to below XXXX which is ruining my credit.
RE : Complaint Number : XXXX To Whom This May Concern, This letter is a follow up to the above mentioned complaint, which the file may have since been closed. Your correspondence dated XX/XX/XXXX, contacted me regarding notification of the CFPB to US Bancorp due to my complaint to XXXX XXXX XXXX 's office. I did receive a letter dated XX/XX/XXXX from US Bancorp explaining the lengthy process. Within the letter, I was " assured that the remainder of the process would be expedited for a quick resolution. '' I also received a Short Sale Contract Approval letter dated XX/XX/XXXX. The buyer ( XXXX XXXX ), signed a Residential Sale Contract on or about XX/XX/XXXX. By the date of the Approval, she was unable to wait, an agreement to release was signed and she bought another property. 

The agent, XXXX XXXX, contacted US Bancorp and my application was closed. The short sale process started for a third time with my new agent XXXX XXXX, the property was quickly marketed and XXXX XXXX, is the buyer. The attorneys for US Bancorp put the property up for a foreclosure sale requesting me to pay the full and original price, in the midst of us await for the third renewed application process. 

US Bancorp reviewed the information and cancelled the foreclosure sale. The file was reopened, reassigned to a processor and there were no additional documents needed as of email from XXXX XXXX dated XX/XX/XXXX. As my agent, the buyer and I were assure of a " quick resolution, '' a Sale dated was scheduled for XX/XX/XXXX. The date has not only passed but the file, according to XXXX XXXX is still with the processor. The unnecessary delays cause documents to become dated and then the file is " concerned '' to having missed documents that need updates. 

I am hoping that the CFPB will review the above, contact US Bancorp and finally bring this matter to the promised " quick resolution, '' before the buyer is forced to withdraw. Thank you for your attention, I look forward to hearing from your. 

XXXX XXXX
a company did XXXX credit inq on me with the help of cfpb this company agreed to have these inq removed of my credit and i did an online they are refusing to delete these inq XXXX of them there are also issue with them no updating my score when they have to
In XX/XX/2016 I applied for a XXXX XXXX credit card online, in response to my application I got a message saying I would get a letter in the mail with their decision in 7 to 10 business days. I never heard from them and didnt think of it again. ( I moved to Indiana 3 weeks after application date ) I have recently been getting notices from a collection agency ( XXXX XXXX  ) saying the card is past due and has {$800.00} balance. I never got this card, I have been trying to work with midland and they told me I need to have an official report and other then that havent really helped.
This debt is paid in full collection agency stayed the send the updated to all three bureus on XXXX/XXXX/XXXX
I ordered a bracelet from Jared.com and sent it back within 30 days. Jared Galleria of Jewelry continues to bill me and call me all hours of the day and night. I do not have the bracelet, yet Jared Galleria of Jewelry wants me to pay for a bracelet I do not have. I have requested a new billing statement but Jared Galleria of Jewelry has not done so. The XXXX confirmation shipping number to prove I shipped bracelet is XXXX XXXX XXXX XXXX XXXX. I appreciate any kind of assistance. Thanks. Email : XXXXXXXXXXXX.
I paid in full on two accounts and they are affecting my credit score. I want them taken off so I can buy my house. It's been on there for a long time seeing how I paid them. They are Mariner Finance and XXXX XXXX XXXX XXXX. I want them taken off my credit score now.
I live in XXXX XXXX. After devastation caused by hurricane Maria All mortgage companies helped us With programs in which we didnt have to pay our hoises until XX/XX/XXXX. Loancare assigned a representative to work my case and she put me in that program. After we spoke in XX/XX/XXXX this representative has never answered any call again. I spoke to a second representative who said the first one did nothing and then the second one entered me into that program. Now in XX/XX/XXXX I need to pay my house and that representative blocked my account, so no payments are accepted. Im calling them to continue paying my house and the representative working my case never answers. Ive called more than 10 times this month, somebody answers. As soon as this person that answers enters my loan account they say a specific representative is assigned to my loan ( the lady I spoke with back in XX/XX/XXXX ). Then they ask me to wait until they can transfer me to her, but she is NEVER available to respond. Then they say I will leave a message for her to call you. Next step, I received a call from LoanCares number, but when I answer there is nobody on the line. It seems that on purpose this representative is calling me ( to have a proof that she called me ) but not speaking, just to have evidence that she dialed my number. This has been happenning for a complete month and even Ive reported this person, nobody is able to make her attend my case or allow me to pay my house. To me it seems like a plan to take my house from me. Please help!
I looked on credit report again and see another company I have no clue about and why it's on my report. XX/XX/2017 ADV CREDIT
Here is a detailed description of the issue. 

First, I never recieved confirmation of the loan, the payments expected, or the like. I had to contact them to get this information. I felt it was too expensive so I did what I could to solve my issue. 

On XX/XX/XXXX, I checked my online account with big picture loans. The payoff was listed as {$660.00}. I called and was quoted a payoff of just under {$630.00}. I recorded the authorisation to debit my account and pay this balance. 

About half an hour later, I recieve a voicemail to call big picture customer service. I called and was told I had been given the incorrect amount and my payoff amount was actually just under {$670.00}. I protested and was told, " sorry, the previous representative was in error ''. I asked why the online amount was different. I was told it was old information. I requested a supervisor. The supervisor insisted that the payoff was correct at just under {$670.00}. I told him it was extortion. In the end, to terminate the issue, I had to record a second authorization for the withdrawal of their " corrected '' balance. I made it clear that I felt this was wrong and only did so to end the matter. 

After the call, I returned to the website. Their " correct '' payoff balance still does not show. I 've trained a screenshot of the website that I accessed after this phone conversation. 

Upon advising the company that I was escalating my comlaint through consumer channels, I was told by big picture that the payoff was stopped and the matter would be investigated. However the withdrawal of {$670.00} processed out of my account on XX/XX/2017. 

I hope you can help me make sure others dunt face this challenge.
These people keep calling me about an account I never opened. They say they are going to send me a letter with information about disputing the debt but it never comes. They 've also given me different dates it was opened ( they originally said XX/XX/XXXX but changed it to XX/XX/XXXX after I told them I paid off all my cards in XX/XX/XXXX ). They 've also given me a different balance amount every call from {$580.00} to now {$5500.00}! It 's so obviously a scam but they keep calling and the man who was just on the last call was so rude I had to hang up on him. I 'm shaking and upset. I ca n't take this anymore. I wo n't pay for something I did n't do. 
I paid off all my credit cards 10 years ago!
A XXXX XXXX calls from an unknown company at least once a week stating, " I 'm calling you regarding a previous call. You still have n't called us back to let us know what your current intentions are. You need to call if you want any input on this matter. Call XXXX in regards to identification number : XXXX, '' He calls from this number : XXXX. Everything is vague and sounds extremely shady.