WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted an online dispute in regard to several accounts on my credit report that do not belong to me. Unbeknown to me my Foster Mother added me to several accounts which I had no access to, nor was I an authorized user for these accounts. I was denied credit and a residential unit because it stated I had credit cards with high balances an my debit to income ratio was high. I received the credit reports and saw the accounts listed. After doing my due diligence I was successfully removed off each account. I disputed the items and XXXX  and XXXX  both removed the said accounts from my report because I am not a authorized user nor are the accounts listed under my name anymore. 

Equifax on the other hand has been difficult. I received an email from Equifax an " dispute completed notification ''. When I tired to access the file online, it wont show me the resolution. So today XX/XX/17 I called Equifax at XXXX. The Representative did not give me his name or Operator ID. I explained my situation and he stated to me that I 'm suppose to call the Credit Card company and make them send a statement to Equifax. I tired to explain to him that I do n't have access to the accounts so I can not get a statement. The representative was rather nasty and said " do n't talk over me or Ill hang up on you ''. I said " excuse me ''? I said Sir please do n't be disrespectful I am simply trying o explain my side of the situation. He stated I do n't have time for this have a good day and disconnected the call. I think its rather absurd that I have to go through great lengths to get assistance. And If I speak up for myself as a Customer, I am belittled or scared tactics are used against me. How is it that 2 credit bureaus could easily delete the information from doing their own investigation while Equifax is requiring me to go and get information for them to prove I do n't own the account? I was n't the one who reported the incorrect information so why am I required to get reports and letters? No other bureau asked me for that. The sheer fact I was threatened and hung up on because I spoke my truth is a sign that there is something grossly wrong with this company. I feel it is unfair business practices and should be looked into further.
On the first week of XXXX XXXX, I noticed an account in collections from AARGON AGENCY INC ( XXXX ) who was attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX XXXX in the amount of {$800.00}. 

This information was disputed multiple times with XXXX and the creditor. The account is in the name of my father, who has almost the exact same name as I. He owned a house in New Jersey, where XXXX & XXXX provided utility service. Which has since fell into foreclosure and collections. 

I have never open, held, or had any type of house or utility service in the state of New Jersey. I never had an account with XXXX XXXX XXXX. This debt belongs to my father. 

I have tried to resolve this collection multiple times now without any luck from any institution.
Greetings The Purpose of this Complaint is to inform you of the Less the Fortunate Service I Received on My home Loan # XXXX From Bank of America. I have Attached a Few of the Letter of Pre approval Letters From the Loan Officer Agent. The Loan Officer Had Me under the Assumption that I Was Pre Approved Back in XXXX XXXX After an initial Credit Check. 
Bank Statements and other documents From XXXX XXXX was Provided to the Loan Officer Never once did the Loan Officer Express an Concern about an Issue that was on my Credit until 3 month Later. After Shopping Around For a Home and Being Shown Multiple Properties From My Realtor, I Finally Decided on a Property to Purchase. This was My Potential dream House I Really Felt Good About this On Monday XXXX I Had the Power Turn on at the Property. On XXXX I was Charged {$550.00} For a Appraisal Fee and another Credit Report. 
On XXXX I was Told Verbally that an underwriter had Looked at the File and Seen Something on My Credit.I Have also Attached that To Show How that was cleared. I Do n't Really Know What is your Protocol on When initially a Person Applies For a Home Loan The Parameters that are Taken. I Feel Like Three Months of My Time Has Been Wasted and Was Living out of Boxes anticipating a Move Soon. I Have read All the Reviews that Are involving BOA and I 'm starting to Think Where is the Customer Service on Most of these Matters. I Did n't want to be Long Winded on this but These are The Facts Concerning this Matter XXXX XXXX XXXX XXXX
Did not provide me with any verification that this belongs to me. I have sent two letters to them with know response. I have sent a certified letter with return receipt. This was removed from my credit report and put back on as a new collection, according to the laws written they are in violation.
I was called consistently for several weeks regarding a debt I am not responsible for. The collection agency say the debt originated from an XXXX XXXX XXXX account. All XXXX XXXX XXXX accounts that I have had have been paid in full.
Medical Debt Validation dispute letter was sent certified and receipt by credit agency on XX/XX/XXXX. My request was disputing that the debt did n't belong to me. I requested that the agency ( 1 ) provide breakdown of fees including any collection costs and medical charges. ( 2 ) Provide a copy of my signature with the provider of service to release my medical information to you and ( 3 ) Cease any credit bureau reporting until the debt has been validated by me. 

Received a letter from the collection agency dated XX/XX/XXXX that only provided the original creditor in addition to the provider information. It was then the agency provided me detail information for someone else ( XXXX XXXX ), who 's patient account is n't mine which is a direct violation of HIPAA and FDCPA. 

I called the agency at XXXX and spoke with XXXX on XX/XX/XXXX to get more information as to why the agency was reporting a debt that does n't belong to me. She advised me that the agency would have to reach out to the original creditor to get more information. I then demanded that the agency cease all collection attempts and to remove the debt from my credit report as she did verify that the debt does n't belong to me as it belongs to another person or I will purse CFPB complaints and file a HIPAA violation complaint. She advised me that she is only in the collection department and does n't have the authority to remove the account, after speaking with her supervisor and being placed on hold several times.
They reported the debt on my credit report as a charge off. When I disputed it with the Credit Reporting they validated the debt. I contacted them via certified mail with a " Notice of Direct Dispute '' under FCRA 623 ( a ) ( 8 ) ( D ) and they never responded.
XXXX made fraudulent charges on my account, I received settlement check for inaccuracies. I should not be liable for any past due accounts/ balances due to fraudulent charges.
Wells Fargo Home Mortgage Response on complaint # XXXX is that wells fargo home mortgage does not answer the question at hand with the document that has been stated to make the instrument legally binding. Wells fargo home mortgage avoids the issue of forged document on there part. were not talking about no Foreclosed inXX/XX/XXXX. Stop playing games and making up false things that's not address. Were talking about the California All purpose certificate of acknowledgement is not my signature was this ever presented to me at closing or any time. Wells fargo has yet to provide all the closing documents back in XX/XX/XXXX. I have my originals in the package that was giving to me and there are over 20 lines and documents not sign. Wells fargo home mortgage claims there was only one signature line for a signer as on the California all purpose certificate of acknowledgement. They yet to prove that's my signature on the California all purpose certificate of acknowledgement as I appeared personally and sign. lets stop playing games as if I sign that document and provide proof to the document is my signature for the said instrument. Wells fargo claims they been trying to call stop playing games provide proof as well. 
Wells fargo needs to provide the documents I sign and have back in XX/XX/XXXX and explain why there are so many signatures pages left blank not some documents they forged after the facts. I need the original closing documents. Not every time trying to send some documents in XX/XX/XXXX that's not what were talking about. I still have mail sent US REG mail to wells fargo that's was not answered back in XX/XX/XXXX to this matter. Wells fargo never wants to provide the documents ask its always some game with documents not ask for. Wells fargo stated I sign so prove its my signature and provide documented proof from an document examiner that its my signature and stop sending excuses and documents that's not what the issue is about. there has yet to be a real truthful answer or proof by wells fargo. stick ton XX/XX/XXXXdocuments and stop playing games and lies of calling what are you calling for its simple provide only the documents you gave me in XX/XX/XXXX I have all mine s only the closing documents nothing else.
I want to submit a complaint against Ocwen Loan Services. I put my house up for a short sale for the second time a year ago and Ocwen has been giving me the run-around again ... I had a buyer for the house in XX/XX/XXXX and it took Ocwen 4 months to review it. I spoke with a Relationship XXXX ( they changed constantly ) for XXXX years ( see about the status of the account and where things were ... I was told my account was still being reviewed then I was served with a sale date in XX/XX/XXXX the day after I spoke to my Relationship XXXX and there was no mention that Ocwen was going to sale my house ... .I was forced to file Bankruptcy immediately with no real job ... .I was doing temp work at the time and a loan from a friend of {$1600.00} to pay for a lawyer to stop the sale. 
After that the bank said they had finally reviewed the documents, they wanted more money for the house to meet XXXX ... The buyer agreed ... When all of the paperwork was completed for me to sign, there was no relocation fee money on the table for me. I asked what happened to that and was told a number of things from the XXXX fee and the relocation money could not both go on the XXXX form together to because I was delinquent with the XXXX, the bank could not pay the relocation money ... none of this was in writing to me ... .after many phone calls I was told that the house needed to be sold for more money in order for the bank to accommodate me ... I asked for all of this to be put in writing because none of this had been shared with me in any of the written communications. A few weeks later I received a form letter stating I was ineligible for the Relocation money but no explanation was given ... We raised the price of the house to the amount I was told by XXXX of the customer service reps and then I received a letter from an attorney saying the bank was foreclosing on me ... .I called Ocwen to get a status on my account this week. Ocwen said the file had been closed. I asked if the new offer had been received. He said it takes a couple days for the systems to be updated. I said the new offer had been submitted. He said check back in a couple days. He then set up an appointment for me with my Relationship XXXX for XX/XX/XXXX I said my last appointment was missed by the RM. He asked if I needed anything else. I said I had received a foreclosure letter from an attorney. He said " Oh yeah, there is a sale date. '' Had I not said anything, the rep never would have mentioned it. This is a pattern ... We spent a year trying to get this done and the bank is moving ahead to sale the property at auction when we have a buyer that has been approved by them. Is it that they do not want to honor my request for the relocation fee? I do n't know. I need help ... not only for me but for the buyer who has put her life on hold for a year and the bank has not respond honorably. Please help!
XXXX, Equifax and XXXX all have reported bankruptcy on my credit report without getting this information directly from the bankruptcy court themselves. They have required this information from a third party company and placed it on my credit report. according to the FCRA, this is not valid! I have been sending letters to all of the 3 credit bureaus on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 I even sent the 3 credit bureaus a letter from the Bankruptcy court stating they do not supply the credit bureaus with this information and neither credit bureau will remove it from my report. They claim to do an investigation but if the bankruptcy court is not relinquishing that information to you, how can you legally and sufficiently record this info. from a third party entity or for that matter, do a thorough investigation in any case?
In XXXX 2016 I received my statement from Bank of America with a balance of {$48.00}. I scheduled payment in time for the due date for the full amount as I always pay all my credit cards are paid in full monthly. By mistake I clicked on the wrong line on bill pay and sent the money somewhere else. I have proof of this. I then received a statement from Bank of America in XXXX showing the amount was not paid. I immediately called Bank of America and explained. They told me that due to my excellent history there was no issue, all I had to do was pay the amount which I did. I received last week a notice from them saying my credit history was downgraded and my credit limit was reduced. I do n't care about the credit limit as I do not use this card very frequently but I am very angry at this action for no justifiable reason. I would like to have this corrected with the proper Credit Bureaus and cancel this credit card. Please advise how to proceed.
I have updated my info with Equifax and the score that they are reporting to me is almost a XXXX points different than when my credit union ran my credit for auto loan. I do n't understand why the information is so different from what I have on my report that I got in the mail. Equifax is giving me XXXX report but when someone else run it for credit I am being denied for having so many delinquent accounts that I have gotten paid off or updated. The denial letter I got said I had numerous public records when I do not. I want to report Equifax for not reporting accurate information.
I dont underestand why synchrony bank closed my card for purchase and my minimum monthly is increased this bank is a XXXX  bank I ever work with today I wanted to pay off the account and I noticed all these problems I asked for a refund do to a unauthrorzed charges and nothing happened just my account is closed for purchase very odd
Equifax reports that a XXXX XXXX Secured Card that I cancelled is in dispute. Nothing could be further from the truth. I closed the account myself. It was paid off completely. There is no dispute. I believe that this inclusion is hurting my Equifax credit score and it should be removed.
On my account I am nearly at my 120 payments for public service loan forgiveness. In XX/XX/2017 my number of payments was incorrect and I learned in XX/XX/2017 ( almost 15 months ago ) that approximatley 6 to 8 payments were not counted despite being on auto deduct. I was told a manual review would take 90 days and it is STILL pending. By my calculations my 120 payment will be done come this XXXX XXXX or XXXX. I need my account to be reviewed ASAP and the correct payments posted so I can file for the forgiveness. I have called every few months and get the same explanation each time but nobody has helped.
The credit report agencys keep upate my credit report with mis use information.and nothing updated in a timely matter .My credit score is going down badily ... I don't know what these companys doing and its a lot inquires on my credit .I don't understand how this credit agency get to get over like .XXXX, Equifax and XXXX.I need my fico score to be updated .Everytime I turn around my score low.I sent all my paper work to prove my stuff was accurate .Also I was fraud victum and someone stole my social security number, This is so important to get this straight.I m not getting treated fair because they ripping me off .I always dream to have a 700 to 800 credit score .Everytime they changimg my credit score and they keep allowing bad things to go on my credit .Also all three companies is being sued to get over on people.I want XXXX XXXX XXXX XXXX to good stands positive to be updated,,, ,XXXX XXXX company my credit saying I owe them. , ,, ,XXXX  off my credit XXXX not my accountXXXX ..student loan off XXXX off the school closed down,,,
Over the last 6 months, Equifax sends online notification their investigation is complete and to view the results. Every time I try viewing the results using the confirmation given, an error page shows up. I may wait a few days same thing. Equifax does cooperate with assisting with an dispute they are not an unbiased organization created over 50 years ago. Equifax is the only credit bureau giving me a XXXX score ( poor ). Equifax the only credit bureau that plays games on the world wide wide. 

I received several notifications that account information was changed that need my attention updated by Equifax pertaining to XXXX and XXXX XXXX in conclusion of closed CFPB complaint regarding both creditors
Tired to cash a check at the local casino, XXXX XXXX, about XXXX months ago. It was refused and they referred me to Telecheck. Called them and they said it was lack of information and history. They updated my file, and said any check would be accepted. Tried to cash a check last week at XXXX XXXX and it was again refused. They gave me the refusal code and I again called Telecheck. They have you listen to a recorded message about the refusal before you get to talk to customer service, which I did and then talked to XXXX of their reps. He explained that the reason the check was refused was because there was no history of cashed checks with other Telecheck merchants. 
I live in XXXX NV ( less than XXXX people ). Do you think we have loads of merchants using Telecheck? Asked him if there was any negative information -- " NO '' was the reply. So my checks are getting refused for absolutely no reason except that Telecheck wo n't let the casino accept my check. 
This was made even worse since there were people around ( people I knew from church ) who saw that my check was refused. This was horribly embarrassing!! 
Telecheck has NO negative information BUT they are stopping me ability to cash a check at the local casino. 
I talked you XXXX of YOUR reps on the phone and she instructed me to file the complaint on-line using the category " credit reporting ''. You have permission to access any of my credit information to resolve this issue.
I have had this card for many years with absolutely no late payments. In reviewing my statement, I noticed that this company showed I was late and I immediately reached out to them and told them that it was an error on their end, however, it was to no avail because they refused to remove the late. This late payment that they are reporting has dropped my credit over 100 points. I have gone back and forth with the company and at this time, I've exhausted my efforts and felt it was time to just make a complaint against them and report them. I have never been late and demand that this error on their part be corrected.
I have been disputing two bankruptcies on my credit report for several months. 
I have requested that the XXXX delete the incorrect information showing for both of these bankruptcies. The identification # for both are XXXX and XXXX. They are both showing the case as dismissed which is incorrect. They were both voluntarily withdrawn before the completion of any judgement. They should show the correct information. I have requested for XXXX to validate with the bankruptcy court that the information is showing correctly. I contacted the court myself and was notified by the Court Clerk for the XXXX XXXX XXXX court that they DO NOT verify any court cases with the credit bureaus. This is false information is causing harm to my reputation and damaging my financial credit worthiness. I have requested in several letters to XXXX asking for proof that they have validated the information showing on my report. XXXX  sends my dispute back as verified but unable to provide me with information on how they verified or validated the information. I am requesting that they either provide me proof from the court that the information is validated. If that information can not be provided then I am requesting both cases be removed from my credit report immediately or I will be forced to file a lawsuit against XXXX for the providing incorrect/false information to companies that request my credit report.
Last ReportedXX/XX/XXXX XXXX XX/XX/XXXXCollection AgencyXXXX XXXXOriginal CreditorXXXX XXXX NEVADA XXXX XXXXStatusOpenOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXClosed Date -- ResponsibilityIndividualBalance $ XXXXHigh Balance $ XXXXRemarksPlaced for collectionXXXX has sent me correspondence offering me to pay XXXX but i wont becausethe highest credit line i had with them was XXXX and my last bill was not that muchalso wasted my time i wanted higher limit and after 6 months would not do soi had to pay to enroll credit card and pay yearly feesi would offer to pay in installments past due amount before all these crazy fees minus enrollment fees and yearly fees due to not honoring the credit limit increase waste of time in trying to build credit
I have a disputed debt with  XXXX  financial that appears on my Experian Credit Report. After disputing the debt with the collection agency directly, they did not remove the account or mark it as disputed.     Instead they referred the account to an attorney to attempted to use removing the credit trade line as a means of getting me to sign away my rights under the Fair Credit Reporting Act.     Regardless of this,  XXXX  is willing to delete the tradeline in exchange for a release of your claims. Please let me know if you will accept this offer.     Sincerely,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  After receipt of this e-mail I spoke with  XXXX   XXXX , managing partner of the firm who stated that offering to delete tradelines is a common practice their firm uses to avoid litigation provided the litigant agrees not to sue their client.     This is complete abuse of the credit bureaus, inaccurate reporting and holding credit repor ting hostage under the FCRA, and blatant violation of the terms and conditions of credit reporting.
My husband and I hire a company to help us to reduce legimate debt that we owe. We started with the company in XX/XX/XXXX. We were ask to sent in bills that we were behind on. I sent a lot of bills to the company. I had no ideal that this particular bill was in the bunch I sent. This bill is OLD back in XX/XX/XXXX. This bill is from a hospital stay of my husband 's. He was really sick. He is a veteran and his hospital bills were paid by the Veteran Administration because he was given a rating of XXXX %. XXXX % means Veteran Administration is and was to pay the bill. I called the VA to verify if it had been paid, and my husband owes nothing. Veteran Administration PAID IT IN FULL. The company collected {$560.00} from the company we hired. I became aware of this XX/XX/XXXX. 

I called them the same day. Asked to speak to a supervisor. A man answered and I explain the situation and I ask for a full refund of my money. He said I was not going to get it back. He also ask me " Why did it take me so long to call. I said " that the timing is not a issue, the Bigger issue is " why is your company collecting on a bill that has already been paid. As of today I have n't heard or received any money from them. Can your company, please help me with getting a refund from this company? 

Thank You