WillisBack/dataset-financial-user-claim huggingface dataset:
I notified the Bankruptcy Courts in my area that I was in dispute of what they had reported on my credit report to the three credit bureaus, XXXX, Equifax and XXXX. I sent them a letter in dispute, at which time, I sent it certified return receipt and as certified mail. I have documentation of when I sent the letter and when they received the letter. However, the Bankruptcy Court had failed to notify the three credit bureaus mentioned above of my dispute. I have notified the three credit bureaus and have provided all three credit bureaus with the proof in writing and I even included the dates that the documents were first initially received by the Bankruptcy courts and the credit bureaus have not taken it off my credit report, seeing that the Bankruptcy courts did not notify the three credit bureaus that my file was in dispute so that my file can be noted appropriately. I have also sent the letter I received from the Bankruptcy court to all three credit bureaus stating that they did not report the information to them on my social security. However, all three credit bureaus keep saying that the Bankruptcy court did report the information to them, even after I have sent them a letter from the Bankruptcy court that the Bankruptcy court DID NOT report any information on me and my social security number to the credit bureaus.
My credit report shows a loan of XXXX dollars opened in XXXX, as a joint loan. With preferred credit that was closed on XX/XX/XXXX. I have never had a joint loan, and never with perferred.credit. never even heard of the company until now. I would like it taken off my credit report. I am a single mother trying to get into a house that this keeping from renting.
In XXXX, XXXX billed me {$99.00} for a repair to an apartment I rented. I did not receive that as I moved out of state and it ended on my credit report with fle # XXXX .... for {$360.00} filed by Hunter Warfield. 

I discovered this in XXXX when I was applying for credit for a new home. I contacted XXXX XXXX who agreed this was their error and they had this deleted off my credit account. 

Then today, I discover that in XXXX, Hunter Warfield placed it against my credit again giving it a new amount and a new case number. File XXXX .... {$390.00} I spoke to XXXX and XXXX both of whom say because they changed the file number and amount, it appears as a new claim when it 's the old XXXX. They can not delete it because it appears as new again. 

They suggested that I contact you to get this removed and to stop Hunter Warfield from continuing to do this. 

Thanks, XXXX XXXX ( XXXX ) XXXX
on credit report its says XXXX XXXX XXXX which I have never lived or been associated with at all I lived in the apartments next door XXXX XXXX and they refuse to answer anything or delete it my next step I will be pursuing legal action if this is not removed within 30 days
As you can see from the enclosed credit report, it shows a late/missed payment of {$0.00} on XX/XX/2018. This is a mistake because I have been enrolled in Auto Pay since XX/XX/2018. 

I spoke to Citibank and after being and after being on hold for over an hour they asked me to call them back after 30 days.
Withdrew prior to disbursement in XX/XX/2008 and school knew i would not be employable even with education due to criminal record
I challenge the adverse account designation of HSBC AUTO FINANCE on the basis that it is inaccurate, incomplete and reflects a debt that is not mine and that payment accommodations were made but not actuated by HSBC. HSBC violated its agreement regarding payment on all matters which are at issue. Payment was available when scheduled but HSBC transferred the account to XXXX, resulting in untimely and inaccurate accounting and taking of payments from my account. This adverse account must be removed from my credit report. Credit reporting is inaccurate and incomplete. 

BackgroundDuring these periods I had to change my bank account because I found that an online company had compromised my account by taking funds to which it was not authorized. A new account was obtained only to find that the bank transferred the bad and unauthorized payee to the new account. This caused problems in late payment on XXXX 2009, XXXX 2009 and XXXX 2009. I had called HSBC and was informed that they were transferring the account to XXXX XXXX XXXX and that their computer system had problems in the transfer during the months of XXXX, XXXX and XXXX of 2009. 

HSBC indicated that the payment arrangements I had and made to preclude any problems would be acceptable, however, that was not the case or actuality of theiractions. Accommodations were made for timely payment but not fully instituted when HSBC transferred their accounting files to their new partner, XXXX.
I have disputed XXXX on my report several times. The account are old, closed, and have been transferred to another lender. They are reporting the old late payments on the account as well as reporting current and {$0.00} owed. I have requested and disputed the be removed as the new servicer shows the exact same information and the refuse to remove it. It is causing undue hardship as I am trying to build my credit and eventually purchase my first home. I feel it is unfair for two companies to be reporting the same account one as closed the other as an open account.
I have sent written notification to  XXXX   XXXX   XXXX  requested they validate t  he Chain of Title and to only communicate with me in writing to my home address and to stop harassing me with calls.
<P/>  The debt they are wanting to collect on is the same debt I made a complaint on before with the CFPB. The debt was placed with an agency which misrepresented itself as a legal office and failed to provide any supporting documentation validating the debt. Instead the debt buyer placed the debt with  XXXX  separate collection agencies at the same time and each continues to contact regarding the debt.  <P/> I have supporting documentation regarding all communication with all agencies for reference.  <P/> Attorneys at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX
On XX/XX/2018 I took my cat to my old vet. My cat was misdiagnosed and put on wrong medicine. {$96.00}. On XX/XX/2018 I took my cat back to my old vet because my cat was very sick. {$48.00}. When I saw that my cat was not getting better, I took my cat to a new vet. My new vet correctly diagnose my cat and put him on correct medicine. It is my opinion that my old vet should not be paid. I initiated a dispute with Wells Fargo. Claim number one XXXX. On XX/XX/2018 at XXXX XXXX, Wells Fargo called me and told me that I lost my dispute because I signed the two sales receipts thus accepting the terms of both sales. I adamantly disagree with the Wells Fargo dispute representative because at the time I signed both sales receipts, I didn't know that my old vet misdiagnosed my cat and gave my cat wrong medicine. When I asked the Wells Fargo dispute representative if I have any appeal rights, the Wells Fargo dispute representative scoffed at me. After I was scoffed at I askd to speak to a supervisor. The supervisor told me to re send all of my dispute documents via email and Wells Fargo will take a second look at my dispute but that the two charges will remain on my account. It is my opinion that Wells Fargo did not do enough to protect my Visa rights. It is my opinion that Wells Fargo just wants to vacate my dispute doing as little work as possible. Nice right? While they charge double digit interest! I am forwarding this complaint to the cfpb for further investigation.
I was going through financial hardships at the time Navient had the account now that the debt collector have the accounts they are frequently calling asking for a settlement payoff or big down payment then monthly payment which I do n't have.
I was pulling into a for variance after hurricane Irma I was  told at the end it can be put back to the end of my Mortgage. Now they want me to do a loan modification I am not working I am a single parent I was diagnosed with XXXX XXXX very aggressive Im trying to get XXXX .. my Loan its being served by Seterus . My lender its XXXX XXXX
On XXXX XXXX, XXXX, I opened a Citigold checking account with a promotion code I had received XXXX XXXX # XXXX ). The promotion promised an award of XXXX XXXX XXXX XXXX miles upon completion of {$1000.00} in qualifying debit card purchases and XXXX ( XXXX ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. I attached a copy of the terms and conditions for the promotion. 

After completing the requirements in late XXXX XXXX XXXX, after waiting over a month for the XXXX points to post, I messaged Citibank via their online chat on XXXX XXXX, XXXX, and received confirmation that I had completed the requirements for the promotion and that I should allow 90 days for the XXXX XXXX points to post to my account ( which would roughly be the beginning of XXXX XXXX XXXX. A copy of this exchange is attached. 

On XXXX XXXX, XXXX, after I had still not received the XXXX points in my account, I spoke to another representative via online chat who I provided with my XXXX number, XXXX, and he opened an inquiry regarding the status of my points ( inquiry # XXXX ). I was informed that I should receive a confirmation email shortly confirming my inquiry. A copy of this exchange is attached. 

On XXXX XXXX, XXXX I sent a secure message to Citi because I had still not received any response to the inquiry, nor had I even received my confirmation email that an inquiry had even been opened. I was informed the following day that my inquiry was actually in the system, though the status was still pending and there was " no estimated time of completion. '' A copy of this response is attached. 

I reached out XXXX final time on XXXX XXXX, XXXX and was told once again that the status of my inquiry was pending and no timeline was available. Again, a copy of this exchange is attached. 

As of the date of this complaint, XXXX XXXX, XXXX my XXXX miles have still not been rewarded, despite them having been promised by XXXX XXXX. I note that the terms and conditions of the offer state that " The XXXX bonus miles will be credited by Citibank to your XXXX account within 90 calendar days from the date when you completed all offer requirements. '' Therefore, under the terms and conditions of the promotion, the miles should have been awarded by XXXX XXXX, which is ninety ( 90 ) calendar days from the date on which the requirements were completed. They have still not shown up in my account by this date, which is now well beyond the 90-day time frame. 

Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / XXXX ( R ) credit cardmember who received the promotion, I am over 18 years of age, and I had never before held a consumer checking account with Citibank.
I submitted an employment certification form to XXXX XXXX  and noticed that the number of qualifying payments was significantly less than the actual amount of payments I made. Some loans showed 9 qualifying payments while others showed 6, even though they were all handled under the same IDR and payments were collected on all loans at the same time through direct debit. When I submitted a request to XXXX on XX/XX/2018, they said they would check on it and let me know within 70-90 days. At the time I believed I had made at least 12 on time, qualifying payments. I was at the same government organization for the entire time and had already submitted an ECF the year before. I am still at that organization. I followed up on XX/XX/2018 after over 90 days and XXXX said it would take even longer. I have kept records and know I have submitted 18 qualifying payments at this point. I followed up with XXXX again on XX/XX/2018 ( 132 days later ) and have not received a response.
Received call from XXXX  XXXX XXXX representative stating I did not pay for the loan that was taken out on XX/XX/2018. I have previously taken payday loans from this company and have paid for all of them but this one was not me. I did not receive any emails or notification that a loan was taken out and I checked my bank account and funds were not deposited into my account. I logged in to the website and the bank account associated to my account is not mine. I don't know how it was changed and advised the representative that this was fraud. They advised me to log into a website to submit a fraud request which I did. Within a week I received fraud paperwork which I filled out and send to them. On XX/XX/18 I received a communication from XXXX XXXX XXXX advising that this debt is now been acquired by another company and I am now receiving collection calls from a debt collection agency. I contacted XXXX XXXX XXXX on XX/XX/18 and advised I had opened a fraud case and of the communication I had received and they advised me they would have a fraud representative contact me in 48 hours. I have not received anything from them and continue to receive phone calls.
Chase Cardmember services notified me by a letter dated XX/XX/2016 that my Chase Amazon.com Rewards Visa account would close when my card expires XX/XX/2016. I have excellent credit and have a XXXX balance on the card. I have not used the card for years, however, that should not be a valid reason for closing an account due to the negative impact it will have on my credit score. I spoke with a supervisor at Chase and they declined my request to keep the account open.
US Bank Credit Card Collections Department charged my US checking account without authorization on XX/XX/XXXX. The amount is {$790.00} which they claim is for the US credit card payment due. The US credit card with US Bank I have is in disputed status due to excessive fees and interests charged. 

US Bank Credit Card Collections department sent notice that arrived on XX/XX/XXXX XXXX ( mailed oXX/XX/XXXX ) to state they are going to charge my checking account, not allowing time to dispute. 

I called US Bank today and notified that this transaction was not authorized, disputed it, and requested return. The US Bank stated no intent to return the funds.
Unemployed. Unable to repay loan. Account # XXXX. Unable to repay loan due to unemployment. CashNet has threatened collections procedures without deferring my account. Constantly charging high interest that I ca n't afford. I can only repay the {$800.00} amount borrowed. My situation has changed that I can only pray back the amount borrowed without the extremely his interest. Collections will hurt my chance in securing my chances to employment. I want to.avoid filing bankruptcy proceedings.
On XX/XX/18 I contacted Tower Loan in XXXX XXXX, MO to request approval for insurance that I opted in for when I originated my loan, in case unemployment occurs during the life of my loan repayment. The Branch Manager assured me that she would send out the paperwork and if approved I wouldn't have to make a payment on my account for 3 months if my unemployment continues. On XX/XX/XXXX, at XXXX a representative from Tower Loan contacted me and informed me that he was calling about my past due amount. I informed him that I was waiting for the paperwork that was supposed to be mailed to me and if I didn't receive it by the next day, that I would contact them. I reminded the representative that I'm unemployed and can't make a payment. Five minutes later the representative called me back and informed me that he needed to discuss my past due amount and making a payment. At that point, I stated, " I'm confused why you're asking me about making a payment if I have insurance that will pay my monthly payment. '' I then informed the representative to only correspond with me thru mail and email because I feel that I'm being harassed. He then told me he wanted me to talk to the branch manager. The branch manager got on the phone and immediately started talking to me in a hostile and abusive tone. I informed her that I didn't want her company to call me due to me feeling harassed and disrespected by her and the representative. She told me that she had a right to call me and could, and would continue to call me as much as they wanted even if I told them I didn't want to be called. I informed her that as a customer, I have the right to ask for further correspondence to occur thru the mail or via email. She told me she didn't know where I was getting my information from, but that she would continue to call me. I've contacted the area manager, but I'm still being harassed by this company.
I recently reviewed my credit reports and noticed some errors. On XXXX XXXX, XXXX I wrote a letter to the Equifax credit reporting agency to investigate these errors. The error in question is related to credit inquiries which do not fall under the allowed " permissible purpose '' as described by the Fair Credit Reporting Act 15 U.S. Code 1681b. On XXXX XXXX, XXXX, I received a response back from Equifax indicating that an investigation had been done. The investigation results only stated that the inquires are " a factual record of file access ''. with no further information provided. The results of the investigation that I received does not follow 15 U.S. Code 1681i - Procedure in case of disputed accuracy describes in detail the procedure that is supposed to be used for proper investigation or errors by Equifax.. As described in the Fair Credit Reporting Act, I asked for Equifax to supply me with - the name and title of the person that requested my report - the date that I allegedly gave permission - And the method that I the creditor claims that i allegedly gave permission. I asked to include documentation. ( none received ) Instead in the response I received from Equifax, I was asked to contact the creditors in question. ( essentially, I am the one being asked to conduct the investigation! ). No further information was provided. This does not follow 15 U.S. Code 1681i -  Procedure in case of disputed accuracy of the Fair Credit Reporting Act which Equifax is legally required by law to follow. In light of this, I am appealing to the CFPB to intervene. Thank you.
Filed multiple disputes with company about the validity of the debt. The company keeps sending me copies of credit card statements as proof of validation of debt. I have asked for something more concrete as a way for validating the debt.
I bought a home in XXXX, 2017 and my mortgage with XXXX was bought by Fifth Third Bank Mortgage in Ohio. I have made every payment prior to the due date. I was informed of the transfer of mortgage by way of a bill and called Fifth Third who told me that a Welcome later would come in a few weeks ( not sure why a bill comes before a welcome letter ) and was assured that there would be no issue that I made my payment to the previous mortgage company because federal law gave me 30 days protection. 
I have been proactive and contacted Fifth Third every month and spoke with managers with no avail. I send a letter pleading with the CEO asking for help. I have provided documents, bank statements, copies of checks. My own bank, XXXX XXXX XXXX XXXX has faxed copies of documents verifying. I have followed through and been told they did not receive items. I was told that they called XXXX XXXX and XXXX XXXX has sent everything period. When asked if they have requested a payment history they have not. The payment history clearly shows all payments. I have spoken to more people then I can count and am frustrated beyond belief. Yet bills still come saying I am behind on payments as well as phone calls. I have had to tell my story over and over again. 
I can not fix something for a company I do not work for. They have gone so far as to have their collection department harass me by contacting me via phone ad nauseum while I am trying to work. Please I beg you for assistance to get this matter resolved. I am at a loss of how to fix incompetence for a transfer of a mortgage in which I work for none of the companies but have provided documentation to verify payments made when I had nothing to do with this since it is clearly a servicing transfer issue. But Fifth Third has been very clear that this is in fact MY problem not theirs even though I have sent multiple emails and faxes of documents stating all payments received. To say it is frustrating does not begin to express what I have dealt with. Mistakes happen but the harassment and inability in 4 months to fix this is inexcusable.
On Wednesday XX/XX/2018 at around XXXX I got a text alert and an email from Citibank informing me about fraud attempt charges on my credit card ( one for {$100.00} and a second charge for {$480.00} ) made at a Credit Union . I contacted the Citibank fraud department through the phone and denied both charges since they were unknown to me. My credit card was cancelled at the moment and a new one was issued to prevent future fraud charges from the two existing ones. Both charges were dismissed from my old credit card with an email from Citibank stating As a Citi cardmember, youre also protected with {$0.00} liability on unauthorized charges, which means youre not responsible for charges you didnt authorize. However, even though the second charge for {$480.00} was dismissed from my old credit card, it still shows on my new credit card. Several attempts have been made to dispute this charge and they have been denied stating by the Citibank representative that is impossible for someone to misuse my credit card information without my consent and things such as card cloning and skimming are impossible and do not exist. The conversation was recorded by the representative on Monday XX/XX/2018 at XXXX. As of now, Citibank expects me to pay for a fraudulent charge I never did which I believe is unfair.
I have sent my complaint to you once and XXXX XXXX did not respond. I got a prepaid card from them, I sent my XXXX dollars in XXXX and the did not send the card to the last of XXXX after I called them several times so when I got the card I just spent my money. I called after I say it reporting on my credit report in XXXX and asked what I need to do to settle this. I was told to send them XXXX. Total with all the other fees I sent those people over XXXX and I only spent the XXXX initially that I set up for credit limits. I have asked them to send me documentation proving that I spent XXXX dollars over the limit with no response. I have submitted this complaint to you all once and have not gotten a response from XXXX XXXX.
On XX/XX/XXXX I received a consumer report from Chexsystems. On that report I discovered that there were negative, fraudulent, unauthorized accounts opened in my name listed on the report. So I immediately went to local law enforcement to file a police report. After doing some research as to the steps I had to take in order to get the inaccurate information off of my report, I proceeded to dispute the info with chexsystems. 
On XX/XX/XXXX I sent them them the police report, an identity theft affidavit from the Federal Trade Commission, a letter stating that I am a victim of identity theft and a copy of my government issued ID.

On XX/XX/XXXX I received a letter from chexsystems stating that they had verified the information that was on my consumer report because they sent me a copy of a forged signature card. And If I wanted to pursue the matter further that I should send them a copy of police report, ( which I already did ), and inform the original furnisher of information to dispute directly with them, ( which I already did ).
While checking my credit score with XXXX XXXX I noticed my Equifax Credit Score points were down because of a Hard Inquiry generated by XXXX XXXX? I did not authorize XXXX XXXX to run a credit check on me, as I am not interested in there services. Public Utilities should not allow these unauthorized inquiries, in fact, legal steps should be taken against XXXX XXXX.