WillisBack/dataset-financial-user-claim huggingface dataset:
I do not own this account. It is indicating a JOINT ACCOUNT. I have never had this account. Please remove from my XXXX CREDIT FILE. I feel this account was an act of fraud against my identity as it was previously also listed on my XXXX AND XXXX CREDIT FILE. I have disputed this matter with XXXX AND XXXX credit bureau they completed the investigation on time and removed the collection..for your tracking and verification purposes of my statement. 
Please remove this account from my credit file and reanalysis my FICO SCORE through XXXX
XXXX, a collections company, continues to file derogatory remarks with all three credit reporting agencies. This company NEVER made any attempts to contact me to dispute the debt. I continue to dispute the debt because I do n't know who they are and have never had any dealings with them. A complaint was filed against Citibank, the original creditor, in XX/XX/2013. The original creditor removed all derogatory reporting from all credit reporting agencies in XX/XX/2013 because of their harassment, threats, unprofessionalism, and refusal to provide repayment thereby violating the Fair Debt Collection Practices Act. Now after XXXX years I learn they continued to bill charges to the account while failing to send statements of the ongoing activity for a year thereafter. There was NEVER any contact with the Citibank after XX/XX/2013. A complaint is also being filed against Citibank for the latter infraction that has just come to light.
Theres a incoming transaction in my Coinbase account that has been pending for more than 48 hours. It said that my USD will arrive by end of the day on XXXX XXXX, 2018. It has 300+ confirmations n still pending. I contacted Coinbase Support and all they said was my case was escalated to a specialist to review which might takes days to get to. I checked blockchain and it looked like the money went to my address and then went right out. Please help me.
Dear Commissioner, I am writing this complaint letter because I have contacted Navient on numerous occasion for Navient to remove and update my credit report with all the major credit reporting agencies because the information Navient is reporting is incorrect and inaccurate. Navient is in violation of the FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 807 ( 8 ) and FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) for reporting inaccurate information. The limitation statue has expired and Navient is refusing to remove all my student loans with all the major credit reporting agencies which causes my credit score to decrease. All my students loans I had with Navient has been closed for the past seven to ten years. 
Let this be my formal complaint against Navient. The following account is the items Navient has refused to investigate and remove. 
Account No. : XXXX. There are about XXXX or more items under this account number. 
Sincerely,
On XXXX/XXXX/XXXX, I was on the XXXX website looking to pre-order a new XXXX XXXX XXXX smartphone and I wanted to do the installment plan to pay for the phone. I submitted an application for credit on the XXXX website but the website gave me an error page. I refreshed the webpage which brought me back to the application for credit webpage which I resubmitted again. This time the it submitted properly but I was declined and it stated that a explanation was being sent in the mail. I called both XXXX and TD Bank and I ended up bounced around since nobody could answer any of my questions. Finally, I was told by a TD Bank Rep that I did have an account and provided me with my account number. 

I further asked how I can go about using this new credit line to purchase my phone and TD Bank told me to contact XXXX XXXX. XXXX XXXX told me it was an issue with TD Bank. I have called numerous times since then without any positive result or any further guidance on how to proceed. 

I ended up purchasing the phone at full price and no longer need the credit line. When I contacted TD Bank to let them know this, they said if I wanted to close my account then they would do that but it would show that I requested the close of the account on my credit report. I explained to them that I am closing it because there is no way for me to use this credit line since it is only valid for XXXX products on the XXXX website which neither I, TD Bank nor XXXX could figure out how to apply the credit line to my XXXX account.
I have a loan with XXXX  XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX  when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, XXXX  and TransUnion credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and XXXX XXXX XXXX  XXXX with no successful resolution. XXXX, XXXX, and TransUnion are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late five times, and I was never 60 days late.
got a piece of property in NC in XX/XX/XXXX, I been trying to tell everyone sense XX/XX/XXXX this was fraud, but no one did anything about it, this supposed to be a VA loan, then we have XXXX XXXX XXXX, XXXX, XXXX, XXXX the XXXX. coming after us are XXXX XXXX XXXX located in XXXX NC, and Trustees of XXXX, this was never a loan but a refinance, i cough up with the scam in XX/XX/XXXX, we were never late in our payments with XXXX, but XXXX decided after been told to look into paperwork to foreclose on us, I never got to discovery or been to real court all our motions been denied they are trying to steal peoples homes in special XXXX XXXX XXXX wich is connected with XXXX XXXX. can someone look into this is thousands of illigal foreclosures done by this companies happening in my county XXXX NC.
My deposits and money in my account should cover all expenses. XXXX check that i deposited was unable to be processed by the bank due to " connectivity errors '' by the app. I get a overdraft fee, which I thought was illegal for banks to make money off of fees. And now my account is negative because bank of america keeps charging more extended overdraft fees. This would n't be a big deal but I have no money and I live paycheck to paycheck. So my check is enough to cover my apartment and living expenses but not extended fees that will keep occuring and continue to push my account further into a negative balance because I am unable to pay for them. I call Bank of America to see if I can have these fees removed and they say " These fee 's were properly placed. '' I feel like I have no power over this situation and I stress and I ca n't eat because I am thinking about how I am going to afford next months rent.
XXXX/XXXX/XXXX emailed hardship application and supporting financials to Caliber XXXX/XXXX/XXXX Caliber requested rental agreement for rental income XXXX/XXXX/XXXX LOE needed for one item on the RMA XXXX/XXXX/XXXX Letter from Caliber acknowledging receipt of a complete packet, review to be conducted in 30 days, letter is attached XXXX/XXXX/XXXX contacted XXXX for status update, XXXX advised that the in house was completed but then they realized that this loan qualified for HAMP review ; file went back into review on XXXX/XXXX/XXXX XXXX/XXXX/XXXX Caliber advises file pending review XXXX/XXXX/XXXX Caliber advises need more information to complete review-additional docs send right in XXXX/XXXX/XXXX Caliber advises again more information There have not been any missing documents letters received by the homeowners. It has been nearly 90 days since the original packet was sent to XXXX ; XXXX review should have been completed prior to an in house review. We do not understand how they can get away with violating the guidelines. This loan is incurring additional interest and escrow advances making it more difficult to leave modification options available Caliber needs to be looked at for violation of CFPB guidelines
I was sent a letter giving condolences for my death. I called and informed the company that I was very much alive. Another letter was sent that my mother received while at my house- it caused her quite a fright. I have yet to hear anything back from the company either way, and have not had any of my automatic payments taken out for months. I absolutely refuse to pay any late fees or interest that is tacked on.
Third ParyCollection Agent requested {$250.00} dollars when the original amount is {$190.00} and also attempted to make me pay {$43.00} for another account with the original amount of {$27.00} and was past the statue of limitations.
I have recently sent 3 certified letters since XX/XX/XXXX-XX/XX/XXXX to all 3 credit agencys to delete accounts ( listed below ). They continue to say they verified the accounts, but never told me who they verified the accounts with, no contracts showing the accounts are mine, nor signatures. Also usually is over 30 days for a response, which is against the law of the FCRA. Please delete Accounts listed below 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 ) Equifax- ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX  # XXXX ) ( XXXX XXXX XXXX XXXX # XXXX
Wells Fargo the bank, did not attempt to try to establish and ground point in helping us with the mortgage. We have been trying to get a modification from Wells Fargo from 2014 and they keep declining every attempt that we have made. We 've declared bankruptcy because the failing issue that the bank will not help us with the mortgage. They have been asking for the same paperwork since 2014 and we send the same paperwork but they seem to always ask for more. We 're trying our best to  keep our house, we are in the chapter  XXXX  trustee process.
Upon checking my Credit Report I noticed I had debt from " bby/cbna '' also known as Best buy. I opened my card in 2014 and just finished paying my card off last month and when I called best buy they said they have no charges from now or the past for my Account.
Equifax shows XXXX accounts as " late '' or " delinquent ''. All XXXX of these accounts were subject to a bankruptcy processing of XXXX 2013. I have asked for numerous investigations by Equifax , but they refuse to remove or correct the information. Equifax currently refuses to reinvestigate the information, as they say they have already investigated my complaint and/or they say they have verified the information with the data furnisher. This is all despite the fact that I have furnished Equifax with all of the paperwork from the bankruptcy proceeding, which shows that I can not possibly own anything on these accounts, and they should have been showed " closed '', with " XXXX '' balance as of XXXX 2013. These accounts can not legally be shown as late or delinquent, as this is not a legal condition possible at this time.
After I won an unlawful detainer case against my previous landlord. Opposing counsel was informed of my sons XXXX XXXX and agreed he could not be held to any responsibility in this case. 8 heard nothing at all from my previous landlord or their lawyer. My phone number is as available to them and I had my mail forwarded but recieved nothing from them. On about XX/XX/XXXX. I had gone to my mailbox to get my mail and found an invoice from IQ Data international, a collection agency. One invoice had my name and I found another with my sons name on it. Both invoices were in the amount of {$12.00} XXXX. I dont feel as though I owe this information listed amount I called the collection agency to ask for the documents supporting the amount billed and to let them know that I was upset that I had no prior notice of this inflated bill and that I will dispute it. What action can I take to get this removed from me and my sons credit. The entire situation is nothing that I caused not even the eviction. How is it legal for this to happen??? Please help me.
I applied for a Citibank card that advertised an introductory rate of 0 % APR for the first 18-months. I applied on the phone, and the Citi representative confirmed it was a 0 % APR card. When I received the card in the mail, the paperwork stated the APR was roughly 15 %. I called Citi and they confirmed that they do offer a 0 % APR card, but for some reason the Citi rep I spoke to while applying for the card lied to me, OR they submitted my application for the wrong card. I cancelled the card I received.
I have disputed account  XXXX   XXXX  multiple times with Transunion and they continue to remove the account from my credit report. I do not owe this creditor they are charging for a dental service I never received due to me calling in and canceling my appointment a  XXXX  week prior to the appointments date. I sent a certified method of verification request to them on   XXXX   XXXX   XXXX   and it was delivered on   XXXX   XXXX   XXXX   I have not received any evidence supporting the creditors claim that I owe the debt of {$170.00}. This account has hurt my  credit score tr ememdously and continues to do so everyday this account is allowed to remain on my credit report. Transunion has not responded at all to my method of verification request and it has been well past the  XXXX  days that they have to answer to my request I want this account removed from my credit report.     On the same Method of Verication request I listed the following account   XXXX   XXXX   requesting for the information they used to verify this account and the same as the above applies I have not recieved any thing from TransUnion in regards to the  Method of Verification re quest I sent to them. I want this account removed as well. TransUnion seems to not adhere to laws meant to protect consumers rights and continue to not conduct real investigations into consumer disputes and continue to allow creditors to not have provide any supporting information verifying the debt is real.
XX/XX/XXXX, Home Depot gave us an estimate to have our kitchen cabinets refaced with a guarantee that they would match any lower price. In our research we found that XXXX could give us a brand new kitchen for XXXX less. When we asked Home Depot to price match they refused. I therefore cancelled the contract for the cabinet refacing and supposedly Home Depot removed from my account the {$15000.00} charge from my Home Depot credit card. XX/XX/XXXX, I was notified that I still owed interest on the {$15000.00}. I have made several attempted to get Home Depot Credit Services to remove the {$3800.00} in interest charges from my account, but they keep telling me that will only do that if I pay {$4800.00}. This does not make any sense to me as a consumer. No work was done by Home Depot at my except for the measuring of my existing cabinets for the task that was never completed. For two years my statements from Home Depot never showed a balance over {$8000.00}. Then all of a sudden a balance that was at {$5000.00} jumped to {$8800.00} without any explanation. Home Depot Credit Services and Home Depot have refused to answer questions from my legal assistance lawyers or respond back to me in writing as to how they came up with the {$3800.00} in interest charges on {$15000.00} charge that was removed from my account.
XXXX XXXX at fifth third bank gave me information that was misleading and inaccurate. when i opened my acct. on XX/XX/XXXX i was told by the branch manager at 5/3 that my checks would be delivered to me within 5 - 10 business days, free of charge. i watched the manager order the checks. they have not arrived. i asked about the on-line banking, he set it up for me and it worked. that was on XX/XX/XXXX. a week ago i had to pay bills so i tried to make a car insurance payment using the online banking. and to an error message. on XX/XX/XXXX i went to a branch and they " fixed '' it and it worked once. but then i could not login. my user ID was invalid. so, after working on my login i could login but i could not use the on-line banking. so i called the customer service line and XXXX told me that it takes 14 days for checks to arrive and that they had never been ordered and there is a fee for the checks. i had to wait 30 day before i could use the on-line banking system. all of this information is misleading and bad! i would like to complain about the misleading information they gave me.
A collection account from Debt recovery solution have been added to my XXXX   reoprt for a {$130.00} medical bill. I have insurance and the bill was paid in full by them and should not have a balance due. I have disputed with them at least 3 times and they have not removed. I did ask them to validate my debt and they provided me a bill showing that it was paid in full as stated by the insurance company. I am attaching that document with my complaint.
Specialized Loan Servicing attempted to modify my HELOC account, and is claiming that 4.5 % of {$120000.00} works out to {$790.00} per Month in interest only. 

I contacted Specialized Loan Servicing several times, and they had admitted that these numbers were incorrect. However, upon follow up, I spoke with a supervisor named " XXXX '' on XXXX/XXXX/15, who claimed that these numbers were indeed correct. I believe this represents attempted fraud on the part of Specialized Loan Servicing.
I was contacted by XXXX in XX/XX/2017 attempting to collect an amount of {$110.00}. I advised the lady call I did know who that are an as far as I knew I did not owe them any money. The lady was told by me to provide me proof of the debt in the form of an contact or signed document that I entered into the debt an would happily pay the amount if I owed XXXX the {$110.00}. She stated that she did not have any document of this type. I informed her that would not pay the {$110.00} until someone could prove to me that I owe this debt. Then in XX/XX/2017 I received a letter from XXXX XXXX XXXX. A letter was sent to them stating that I do not owe this debt. This debt appeared on XXXX and XXXX  credit reports. The refuse to remove this item from the credit reports, but them still have not provided proof of the debt.
I have 6 unknown inquiries that are appearing on my credit report that I didn't authorize. I'm a victim of identity theft. I did not know of any of these inquiries. I've included my identity theft affidavit. I've also sent a copy to my police department. I've listed them below. 
XXXX  XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018
1. Nation Star Mortgage wrongfully denied me for the HAMP program. They stated that I did not turn in the IRS XXXX form, for myself and for the household contributor, on time, even if that was true it is not applicable. The IRS XXXX form is to show taxes filed for the past three years. But because I and the household contributor receive XXXX social security income only, we do not file taxes. Nation Star admitted that we provided that proof in a letter dated XXXX XXXX, 2016 where they write a current award letter for fixed income that shows the amount frequency and duration of the benefit income, was received for me and the household contributor. 2. I sent them proof for myself the Social Security income I receive for XXXX before XXXX XXXX, 2016 and it was accepted. Since I am on XXXX I do not pay taxes. The same applies for the household contributor. The XXXX form was not necessary for my application because it did not apply to me, yet it is the reason that I was denied assistance. I, the borrower, and the household contributor have been on XXXX for over three years and the award letter states how long that we have received it. The XXXX form only shows the past three years and our award letter shows over three years. 3. The reason that me and the household contributor are on XXXX is because we are not able to work a job. We explained this to Nation Star and gave them strict proof. In a letter from XXXX XXXX, 2016 they admitted that they received a current award letter for fixed income that shows the amount frequency and duration of the benefit income. 4. Nation Star Mortgage increased my monthly house payment amount by {$310.00}. It went from {$1400.00} to {$1700.00} and they never notified me about the increase and still has not provided any proof that I was properly notified concerning the increase of my mortgage payment prior to the increase thereof. 5. In conclusion, I have attached a letter from XXXX XXXX, 2016 stating that the award letters were accepted for me and the household contributor, which shows our only income for over the past three years. We receive XXXX income from Social Security, which is not taxed, and no requirement to file taxes. This was thoroughly understood by Nation Star Mortgage. Therefore, the XXXX form was not needed nor applicable to my application. This should have given Nation Star plenty of time to process the information before XXXX XXXX, 2016. I am also requesting that they send proof that I was properly notified about the mortgage increase. I want them to tell me why my mortgage increased.
The company name is Equitable Acceptance as a third  p  arty (    XXXX   XXXX   ) The  Claimed to   be a company that helped the government with there loan forgivness program. I was informed that they could consolidate my loan into  XXXX  loan during that span I would only have to make payments on the consolidation. After that the loan could stretch out pass 20 years and whatever I did not pay after that time period would become forgiven. I first started with this company on  XXXX   XXXX     2016 an d every month since then I have  made 50. pa yments to the company for the consolidation fee.           Payment Receipt Hello, Thank you for your recent payment to Equitable Acceptance Account.   An amount of {$49.00} was applied to your account.   This email is a receipt confirming payment.   To access your account, sign on to  www.equitableacceptance.com If yo u have questions or need additional assistance please contact an Equitable Acceptance representative@ XXXX  Regards, Equitable Acceptanc e Corp.
XXXX XXXX XXXX submitted a Move Out Statement of charges upon vacating a leased property. The amount was disputed on XXXX/XXXX/16 and the Property Manager responded that she would investigate and follow up. I sent another message on XXXX/XXXX/16 and did not receive any response. On XXXX/XXXX/16, I received a call from ProCollect Collections due to the outstanding debt amount. The initial dispute was never resolved before the property owner sent to collections.