WillisBack/dataset-financial-user-claim huggingface dataset:
this 3rd party company did not validate this information with whomever is reporting this information about me and provide full documentation associated with this including my signature that contractually binds me to this account. as asked in previous disputes to the cb they have yet to provide the information that i have asked for under my rights of the fcra they have not verified anything only harassing me by phone and mail to collect a debt that i have no knowledge of and i have no idea how this company got my personal information i have sent letters to the CBs requesting validation which was received all by certified mail return receipts.
My pay check was deposited yesterday and at midnight tonight was to Huntington Bank. They are then showing that it is there AND the balance is showing available funds over {$1000.00} yet I cant pull money out of an ATM. I cant buy gas which I needed this morning to get to work. I almost always get gas Friday morning or afternoon as its pay day. 

I call and what a treat the automated system is to get thru to a person. 

To be told its processing. 

IT SAYS AVAILABLE! They have my money, and its reported AVAILABLE and CURRENT BALANCE. 

What is the bank in another time zone then me? If it says these words that means the present time we are both in. which mans now. Not whenever they feel like releasing my paycheck so I can get gas to get to work.
I have contacted this company with letters in order to have them verify and validate this loan they allegedly I owe and have know knowledge of.
1 ) It appears that a credit card has been fraudulently opened in my name with " XXXX XXXX / XXXX XXXX '', which may have a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX.

2 ) I have never heard of XXXX XXXX / XXXX XXXX, I have not applied for any credit cards in years, I knew nothing about this and did not authorize it.

3 ) I disputed this via XXXX as fraudulently opened / not mine.

4 ) XXXX XXXX / XXXX XXXX '' has denied that it's fraudulent but rather responded that the account is valid.
The problem with the company is I have paid what they told me to pay at the beginning of the instalment loan. I have paid the amount they requested but they kept on withdrawing my bank account and added interest. After I spoke with several of the representatives and bot abke to resolve the issue they put a balance that should not have been there in the first place on my credit
Had CC debt that was not being paid in XXXX XXXX. Chase charged off debt in XXXX. Issued a 1099 C in XXXX to IRS, sent XXXX to me at wrong address noted on 1099C. IRS contacted me I XXXX XXXX stating error on XXXX tax return and are demanding {$1600.00} payment immediately.
I am victim of identity theft and have informed Equifax that I filed FTC report and can they remove fraudulent accounts immediately
I have several credit inquiries from multiple companies on XXXX XXXX, 2017. I contacted the credit bureaus to dispute them and was told I would need file a police report and to contact the companies, which I did ( all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issied, Just an unauthorized inquiry. The information is still on my report and i cant get any help from the bureaus or the companies. 

XXXX -XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX
I have been dealing with XXXX XXXX regarding their tactics for too long. Now they are harassing people I have n't spoken with in a decade. I contacted XXXX XXXX and spoke with reps on more than XXXX occasion and they refuse to delete the false degretory remarks on my credit reports. Yet, they want me to pay. They are contacting my family, friends, employers and trying to embarrass me in an effort to pressure me to accept the unfair offer they make which does n't include deleting their tradeline from my credit reports and removing it from it 's history. It should not have been on there so many times in the first place.
I found out my blalance was at XXXX when I tried to grab some food, I logged into my account and found out there were purchases made at a XXXX XXXX in two different cities than the one I live in, it was made a few hours after I bought breakfast for myself. I tried for 10+ hours to talk to someone only to be disconnected by a automatic message saying to call back due to heavy call volume, I have bills to pay and a child to feed and losing XXXX dollars due to scammers is heartbreaking. I 've tried to call to report it and I have no luck. The unauthorized purchases took place on XX/XX/XXXX between XXXX to XXXX XXXX
Hello, I filed for bankruptcy in XXXX since then wells fargo has not been applying my mortgage payments to the account. I want to know what they are doing with these payments i am making. they tell me they do n't have a program set up to handle a payment when a person is in bankruptcy. i do n't believe that after all this other illegal stuff they are doing. when i get my resources back in order i will be leaving wells fargo for good. i do n't trust wells fargo anymore. i want my payments applied to my account!
I received a summons from XXXX the attorney for Express Recovery Services in regards to an outstanding medical debt of {$77.00}. The summons stated that with collection and attorney fees, I owed {$350.00}. When I called the office of XXXX today, XX/XX/2017, to discuss settling the matter prior to judgment, I was told by XXXX that to halt the judgment the full balance had to be paid today. The amount XXXX said had to be paid to halt the judgment was over {$400.00}. I was driving at the time so was unable to write down the exact amount but the amount he said would be required to halt the judgment was well over the amount listed in the summons. I stated that amount was more than 4 times the amount of the outstanding medical debt. I asked if the amount could be settled on and was told no. XXXX also stated that payment had to be made today to halt judgment. I stated that I would n't be able to remit payment until the XXXX and XXXX told me that if payment was n't made today the judgment would be submitted. I again stated that I would n't be able to remit payment for 2 weeks, and asked if he was unable to accept the arrangement if that was n't someone there who could. I was placed on hold and when XXXX returned he stated that he could n't accept an arrangement because I 'd refused information on the call. When I stated that I had n't refused to provide anything I 'd simply stated what my intention of calling was when he 'd answered the call 5 minutes prior. I stated that if he 's telling me that I ca n't work out a payment arrangement because of a question he 'd asked over 5 minutes ago that seemed pretty catty. I told him that if additional information is required to work out an arrangement is required, then I can simply provide that information. XXXX stated that this call was n't going anywhere and disconnected the call. I called back and asked to speak to someone else where I was transferred to someone 's voicemail, and have yet to receive a returned phone call. The amount that XXXX demanded to halt legal action was inconsistent with the amount listed on the summons and legal action was threatened if that amount was n't paid in full today. This is deceptive and abusive.
I am DEMANDING an alleged account ending in XXXX be canceled and closed immediately. The above account was created in error originating from an XXXX XXXX, XXXX. Any possibility of seeking financing was never desired, never offered, nor discussed. Per FCRA 623, you may NOT willingly report on my consumer credit profile ANY information you know to be false. My financial status is self-evident in that I have never needed financing for merely a {$3600.00} carpet installation. At this time the {$3600.00} has already been paid in full directly to XXXX XXXX, XXXX.
I requested a copy of my experian credit report and notice several inquiries that I did n't authorize. I also had a breach with  XXXX , but they rectified the problem immediately. I wrote a letter to experian explaining to them that someone was inquiring about my credit report without any consent from me. I was advised by experian that I had to contact the creditors directly and advise them of the unauthorized inquiries and they will notify the credit bureaus and the inquiries will be removed. I wrote each and every company that inquired ab out my credit file without authorization from me, it has been over 60 days and I still have not had any reponse. In the meantime I also aquired a police report as this situation is causing great harm to my credit score an d making me not credit worthy. The inquires are as follows :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
My checking account has been locked. At no time did I receive any communication from Huntington informing me of the account freeze - no email, no phone call, and no mail. My account has been locked since at least XX/XX/XXXX. On that day I tried to make a payment and was unable to do so. I called three times over the next two weeks and was unable to get a resolution - it was suggested that I try to visit a branch. On XX/XX/XXXX I visited a branch. After about 1/2hr were able to raise somebody from the main office who suggested that the branch send an email detailing 'suspicious deposits '. I sat with the manager and drafted an email detailing all of my deposits. After one week my account was still locked. I visited the branch again and they tried to help. Nothing. My last visit to the same branch was on XX/XX/XXXX. They again tried to help. Today, XX/XX/XXXX, I received a call from the branch indicating that they have not been able to get an answer from corporate. Furthermore, they are unable to get a date when this might be resolved.
Nothing specifically happened to me as I have a good grasp on financial information, however, I found the statement I received to be extremely misleading - especially for those who are not well versed in loans/interest etc. 

The plan I am on is a 0 % interest plan for 12 months, with no monthly payments required. XXXX the statement I received, they provide XXXX different " payment '' plan options, XXXX of which go beyond the 1 year and accrue a huge amount of interest. 

I think the statement would be much more clear if it specifically stated that as long as the balance was paid off within 12 months, not interest would be assessed. However, if you choose to pay month, please pay XXX in order to avoid an interest. I do n't think it should be left up to the borrow to decide how much they should pay in each month.
I was originally contacted over the phone by XXXX XXXX to make arrangements to collect a debt. ( I did not record the date, but it might be over 30 days ago. ) When they told me the amount and what it was supposed to be for I was sure it was n't my debt. They had my SS #, my married name ( though that is no longer my legal name ), a birth day that was close to mine, an email address I 've never used, an address and an employer that were mine, but from the XX/XX/XXXX. 

The company the lease was from was XXXX XXXX XXXX XXXX but i do n't know if that was a brick and mortar store or something online. XXXX said they did n't know either. The Leasing agency was XXXX out of NH. XXXX is out of CA. I live in Indiana, but not in the city that was used on the paperwork. I have n't lived there for almost 20 years. 

After explaining all this to a supervisor at XXXX XXXX I was told that I 'd have to dispute the debt and that they 'd send me something that I needed to respond to in 10 days. They did not send me anything in the next couple of weeks, and unfortunately I had not copied down all this info so I did n't know who to contact. 

Then I received a packet of info from XXXX that seemed to just be a copy of the debt they bought. It said our offices are " in receipt of your dispute '' but be advised we have contacted our client XXXX XXXX XXXX XXXX who has confirmed the name and address listed on the account as well as the amount owed '' There was a toll free number from XXXX which I called. It was late in the day on Friday after XXXX. I got a very confused sounding man with a foreign accent who said I had to call XXXX instead. ( Though XXXX has sold the debt. ) I called and left a message. 

Today XXXX called and was very insistent that the debt was mine and I was just trying to shirk my responsibilities. I asked repeatedly to speak to a supervisor but was told it would not do any good because they knew it was me and I needed to stop lying and just pay. That isnt word for word, but is the jist. Eventually they let me speak to someone who acted more reasonable but told me I had to file a police report and send them a copy. 

I contacted my local police who told me that was n't how it worked and told me to have the XXXX call him. I tried calling back with that information but was put off until later. 

I do n't know what else I should be doing. Do I need to file reports somewhere else? Do I need to contact credit agencies?
I PURCHASED THE  XXXX   XXXX   XXXX . IN  XXXX  AND OBTAINED  A COMMERICAL   MORTGAGE  FRO M NATIONAL CITY MORTGAGE . CONSEQUENTLY IT FORCLOSED IN  XXXX , BUT LOOKING BACK I SHOULD HAVE NEVER BEEN APPROVED FOR A  XXXX  COMMERCIAL LOAN. I FEEL THAT THIS WAS A BLANTANT PREDATORY LENDING PRACTICE. NOW MY CREDIT IS MESSED UP. I CAN NOT BUY A BIKE WITH CREDIT.
I have reached out to All credit bureaus some have refused my request to dispute the unauthorized inquiries on my credit profile. 
I have asked them to investigate. 
XXXX employees told me they don't investigate disputes, They told me I have to reach out to the creditor to obtain a letter of deletion. After reaching out to the creditors they told me I have to call the credit bureaus and request a dispute. So I recontacted the Credit Bureaus and attempted to get them to honor my request to check out the unauthorized inquiries. They continue to give me the runaround and hanging up in my face 3 times. 

Experian started off giving me a run around for my request. Telling me to reach out the creditor. By telling them I already have done this and a threat of contacting CFPB they open disputes. But when I go to the dispute center in Experian it seems as if they doubled up on disputes and missed out on a couple of disputes in the date range of XX/XX/XXXX to XX/XX/XXXX. 

XXXX has also given me the run around still waiting on a call back for them to finish addressing this issue with the Inquires ... 

I want is for these credit bureaus to do is follow the law validate these unauthorized inquiries and show me documentation of there validation. A binding contract, Copy of Id, Application, Authorization to pull credit ...
I am continually harassed about making my payment. They will send me text messages saying they are making a payment with or without my authorization. I am never more than 10 days past my due date when making a payment. They continue to text me and tell me they will repossess my vehicle the next morning if I do not make a payment immeadiately. If I am unable to take their phone call they will call a list of references I was required to give them to be able to finance my vehicle. I have not given them the authorization to harass my references but they do. I ask them for proof of the ability to repossess without giving me a 10 day notice to cure which they have not and I am repeatedly told its in my contract and they will highlight it and send it to me. Never have I received this document. Upon my financing I was told that this was the only company that would finance me but that was not the case I was also approved by XXXX XXXX XXXX as well but not given the option. This company I am financed with I was not told is owned by the dealership I used. I found out after they sent my loan information.
I got a loan from Gurantee loans years ago, I never misssed one payment or was late, so come to my surprise this morning I check my credit report and it says I missed multiple payments.
I paid my collections account thru XXXX. They sent requests to all 3 credit bureaus. All but one took it off my report. Transunion still has it on my report. What can I do? I care about my credit report. 
Thanks so much
Equifax , I am not quite sure why you people wish to continue to sabotage my credit. You have re added my student loans to my credit file. They are listed on my credit file 6 times. I only have XXXX student loans and they are all current. You have duplicated the information. Please remove the duplications off of my credit file. I only have XXXX student loans which I have had on my credit file since 2005. Not XXXX. Take the duplications off of my credit file immediately. My attorney will be filing the financial harm suit against you people very soon. 
XXXX XXXX
I had previously filed a CFPB complaint on American Education Services of XXXX, PA concerning the incorrect report of past-due or delinquent payments on my daughter 's student loan account with them, for which I am the co-signer. 

The issue in question involved AES 's inappropriate payment application of payments I made from XX/XX/XXXX to XX/XX/XXXX to my daughter 's student loan account when they should have been posted to my co-signer account. At the time I made the payments, I didn't know ( nor was I informed by AES ) that I had a co-signer account number different from my daughter 's number. 

After my first CFPB complaint, I received a letter of dispute findings from the Office of Consumer Advocacy at  Pennsylvania Higher Education Assistance Agency ( PHEAA ) dated XX/XX/XXXX. PHEAA conducts student loan servicing operations through differently named companies, one of which is AES. A copy of this letter fro

m PHEAA has been uploaded. PHEAA, in
their XX/XX/XXXX letter to me, seemed to indicate to me that AES had corrected the application of the payments I had questioned and actually indicated that my account was now in a paid-ahead status until XX/XX/XXXX. PHEAA also noted that AES had submitted updated information to the consumer reporting agencies to which the negative information had previously been reported. That was great news as it was exactly what I hoped to hear. 

Nonetheless, in a different letter dated XX/XX/XXXX, AES informed me that they had researched the relevant account history and documentation of my credit dispute and concluded that the negative information they reported was accurate. This XX/XX/XXXX AES letter totally contradicted the prior XX/XX/XXXX letter from PHEAA. A copy of AES 's XX/XX/XXXX letter has also been uploaded. 

My problem with all this is that I am currently attempting to obtain a mortgage loan on a new house that is under construction. The derogatory remarks made by AES on my credit have lowered my score just enough to put me at a level that increases my quoted interest rate by as much as 50 basis point. Please help!!!!!
As of XX/XX/XXXX, an agreement was reached with the CRAs to remove any tax liens or civil judgements that did not include a Name, Date of Birth, Full Social Security Number or Date of Birth. All three of my State of Georgia tax executions have been paid, satisfied and cancelled from record. However, the liens are still showing on my credit reports and do not meet the new reporting standards. My Date of Birth nor my full SSN are listed on any of the executions. I have disputed this information listed under the Public Records section with XXXX, Equifax and XXXX. XXXX did remove the liens from my credit file. However, Equifax and XXXX only verified the records.

I've contacted Equifax customer service and was told that they use a third party to obtain and verify
public records. I was advised to contact XXXX to dispute this information. I contacted XXXX and initiated a dispute of my XXXX XXXX information listed on my Equifax report. I received a letter dated XX/XX/XXXX stating the that information was deleted from my record. However, Equifax never updated there system and is still reporting this information as of XX/XX/XXXX. 

I also contacted XXXX customer service and was told the information is correct and that I would have to wait 10 years from date of filing for the records to be removed. 

I have attached copies of all three tax executions and the letter from XXXX for your review.
I disputed the incorrect and outdated information reported by his credit repository on correspondence they received. The letter was dated XXXX XXXX, 2017. CHAPTER XXXX BANKRUPTCY Ref # XXXX has been withdrawn last XXXX XXXX, 2017 and I clearly informed this credit repository in the said letter. I was able to verify this with court my self. I asked them to obtain the latest public record information from the vendor of this information and NOTHING happened. Their records still show OUTDATED info which violates FCRA.
I had a checking account with Bank of America that I opened around XX/XX/XXXX. I never really used the account and my balance was usually less than {$50.00} since I did n't use it. 
I just looked at my statement and noticed I had - {$2.00} in it. Bank of America has been fraudulently stealing {$5.00} per month from that account since mid XX/XX/XXXX and never informed me that I needed to maintain a balance or it would charge a fee. Bank of America regularly emails me and has my phone number, and NEVER informed me. Now they will not reverse the fees.
I have tried to get the XXXX XXXX hard inquiry off my credit report I tried to contact XXXX XXXX on their email web but it is a joke It keeps saying that I have invalid characters in my message. They Have no other way to email them to get the details of the XXXX hard inquiry details. I can't get thru on their customer service line. XXXX XXXX is still on my credit report. I did not give them permission to access my credit.
My issue is with Rushcard XXXX. Earlier this week I received an email stating there was going to be an update that eould cause an outage XXXX. Never would I have imagined an outage would mean an outage of my direct deposit. I can not explain the agony that this has caused my family. We are presently living from paycheck to paycheck like most americans and have {$0.00} to live off of until this matter is resolved. I have made countless attenpts to reach a live representative of Rushcard for an explanation and it seems as if they have completely cut their phones lines off as the automated system does nothing but disconnect the call without connecting to a representative. After doing some online research, I was able to find a phone number XXXX. I called and spoke to a representative named XXXX who was completely rude from the beginning of the call. It seemed as if he was overall frustrated from the XXXX calls that I am sure he received just like mine today. He would not let me complete a sentence, he did not give me an ETA. I asked for his supervisor 's name and he told me XXXX. I asked for the VP of the company 's name and he told me I could look it up on the website. He then proceeded to tell me there was XXXX calls waiting in queue as if it was my problem and hung up the phone in my face. I was unable to get through back through as it was after XXXX hours when i was finally connected to a rep. I was XXXX to the point of tears because I held on the phone for over 30 minutes just to be treated that way. As a consumer and a person who also works XXXX, I know the number XXXX rule is customer service. I am completely paranoid over the fact that my money is lingering out there and the only explanation I have gotten is a pitiful post on Rushcard 's XXXX page from the ownerXXXX. XXXX families are being affected by this " glitch '' and we have yet to get a satisfactory answer. I would really like for someone to assist me as well as the other families as I know this is not the American Way. Someone please help me! Please!