WillisBack/dataset-financial-user-claim huggingface dataset:
I writing to request that any charge off and 60 day late for any of my closed 3 XXXX XXXX XXXX accounts be removed from all my credit reports. I know that XXXX XXXX XXXX and XXXX XXXX XXXX fall under the parent bank known as XXXX XXXX XXXX. I have called and disputed this several times. I dont get it why XXXX XXXX XXXX  is continues to report false information. XXXX XXXX XXXX need to take responsibility and please remove the charge off and 60 day late from XXXX, Transunion, and XXXX. Like I have explained before I called the XXXX XXXX XXXX at the time of all 3 were approaching a 30 day late since these accounts were all secured under certificate of deposits under my dads name. We informed XXXX XXXX XXXX to close the XXXX XXXX XXXX accounts take payment in full from the CDs. There never should have been any 60 day late and never should have been any account in charge off. Its not my fault XXXX XXXX XXXX did not follow instructions that they agreed to do so on. If there was a remaining balance at the time then we were not properly advised. I was not aware there was a remaining balance till I spoke with XXXX XXXX XXXX in XX/XX/2017 which has since been paid in full. I agree with at worst there being 30 day late. The letter that XXXX XXXX XXXX is referencing regarding my knowledge was regarding two  different checking accounts that I also had with XXXX XXXX XXXX   and has nothing to do with these 3 person loans and if wrong account number was references then that was typo. I will never do business with XXXX XXXX XXXX again or any of affiliates as they lie and mislead.
In XXXX, I was reviewing my credit report and had noticed that there was a Santander account that I had not authorized to be opened. I had called Santander about the account, and I had explained the issue to the representative that had answered the phone, and I had expressed multiple times that this account was not opened by me. The representative that had answered the phone had asked me to provide my personal information such as my Social Security Number and my name and Date of Birth. When I was asked to provide my address, I did so, and was then told that it did not match what was on  the account. I reminded her that I didn't open this account, so it shouldn't match, she then proceeded to put me on hold, and updated my correct address on the account that was not mine. I asked about more info on the account and was told that since I claimed it wasn't me, I was not entitled to know anything, even though it was under my personal info. I asked her why she updated my address if this was the case, and she repeatedly avoided the question. She said that the only thing that she could tell me was that it had a negative balance, due to check related activity but wouldn't specify exactly what. She had told me that the account was scheduled to be sent to collections, but again would not tell me when. I called again in XX/XX/XXXX, and when they collected my personal information just as before, they this time told me that based on the info I provided such as my address, that they deemed the account as mine, and that I will be held responsible. I told them about how the previous woman updated my address when she shouldn't have, and they insisted that they would never do this. I then asked out of curiosity, if they had anything on file that they could prove that this was me, since they insisted that I opened the account, and they told me that they are not required to provide me with this information via phone. I visited a local branch and was told to call customer service which provided no assistance before. I have recently noticed this account on my XXXX report as having an outstanding balance due, and this account being on my consumer report has prevented me from being able to open an account elsewhere. I tried to fax a statement and make a dispute about this account with XXXX, but when they communicate with Santander, I get told that this account will be retained in my report, and I am having trouble getting this matter resolved.
XXXX XXXX shows on my Transunion credit report under " Account Review Inquiries '' with permissible purpose noted as " collection ''. I do n't have any collection issues and I have not heard of this company. So, I called them to ask why they were on my credit report. They could not give me an answer.
I believe I am a victim of deceptive practices performed by  XXXX ,   XXXX   XXXX     XXXX , and TransUnion. I am paying monthly fees to track my  Fico score  with  XXXX ,  XXXX , and Transunion. I have applied f or 3 loa ns and each time I was denied by the lender because of the scores reported to the lender by  XXXX ,   XXXX      XXXX   XXXX   XXXX , and Transunion.  XXXX  has consistently reported a much lower score to the lender than the score I purchase from them every month. I should be entitled to know exactly what  XXXX  is going to report to a lender before I apply for any loan. This way would save everyone time and embarrassment. Because of th e two different numbers presented ( one to me and a different number to the lender )    XXXX    has lied about providing me access to  my Fico scor e. I filed a complaint with   XXXX    and   XXXX   XXXX   XXXX   XXXX  in  XXXX  through the Illinois Attorney General  (   XXXX    reference  XXXX  ) a nd I got no results. I was denied a loan on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  based on information received from  XXXX  and     XXXX   XXXX   XXXX  . I was also denied a mortgage loan on  XXXX / XXXX / XXXX  based on information from TransUnion.
My daughter used my name to get XXXX and then they moved and I was not aware it was still in my name. Today is the first day I have seen this bill at all. XXXX/XXXX/2015 My daughter is XXXX XXXX and she is XXXX and on social security XXXX.
A rep.at XXXX signed me up for a lease without my knowledge, I attempted to correct it from the time I recd the bill and they did not believe me, then the reps that would listen, kept telling me there was no such plan, over and over they declinded to understand what had happened, I had been wuth them for a few yrs, went in for my free phone upgrade, and the guy signed me up for something I did not ask for, it was the third bill that had finally told me the plan ... befire I knew it it was in collections, now im harrassed by them..XXXX did me wrong, and lost a loyal customer because of a crooked salesperson.
Complaint number  XXXX  is not resolved. Although  XXXX  does not appear on my Equifax report ...  XXXX  representing  XXXX  still appears.   XXXX   and   XXXX   have removed both  XXXX  and  XXXX .     Attachment s : # 1 and # 2 : Emai ls from  XXXX  that their error is completed.    # 3 : C urrent report from Equifax showing the unauthorized inquiry of  XXXX  is still on my credit-report.
I purchased a {$500.00} American express gift card from the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX RI on XXXX/XXXX/XXXX. I used the card normally over the next month. It remained in my possession in my wallet expect when it was being used for purchases. On XXXX/XXXX/XXXX, four fraudulent purchases were made over the internet using my card totally {$49.00} ( XXXX @ {$24.00}, XXXX @ {$5.00}, and two charges at XXXX at {$10.00} each ). I noticed these charges on XXXX/XXXX/XXXX when checking the card 's balance on the American Express website. I immediately called American Express to report the fraud. The agent stated that American Express is not responsible for any charges that occur before a problem with the card is reported. He took my information and said that the American Express would investigate and get back to me. It has been a month and I have n't been contacted. This is the second time I have had fraudulent charges on an American Express gift card, so it appears to be a recurring problem.
Have no idea what this debt is and was never notified of any debt or collections..my credit was at XXXX XXXX weeks ago. Please help if possible
I filed for Bankruptcy, Chapter XXXX in XX/XX/XXXX. I had an existing XXXX  's credit card with a XXXX  balance at the time. My bankruptcy did not include XXXX  's on the Schedule F. I thought I would receive notice that they closed my account, but they never did. I used the credit off and on over the next 5 years always paying my balance off right away. My BK was discharged in XX/XX/XXXX. The next time I tried to use my XXXX  's card it was declined. I called to see why, and they told me it was because I was in bankruptcy. I explained that I was in BK but that it is now discharged, and that XXXX 's was not even a part of it. They refused to speak to me any further. I have not tried to open another account with them. I did not realize they were reporting derogatory information to my credit. Now my husband and I are trying to qualify for a home loan and the current lender is telling me that XXXX  's is reporting that they closed my account because of bankruptcy. The lender is stating that if it wasn't for XXXX  's there would be no mention of the BK at all on my credit report and that this is tripping us up as to the home loan we want. I believe XXXX 's should remove this information from my credit as they were not even on my Schedule F. I have made several calls but all they do is refer me to an address and won't even listen to my complaint. I gave them permission to speak with my lender and the credit bureaus but XXXX  's will not acknowledge that they were not even a part of my BK. I have the copy of the Schedule F that clearly does not list XXXX 's.
On XX/XX/2017 i initiated a withdrawal from gdax ( the exchange operated by coinbase ). for an amount of XXXX. The withdrawal never landed in my bank account and coinbase has not responded with anything meaningful.
on XX/XX/2017 accelerated financial open a dept on me I have no idea who they are and I have never signed or agreed to do business with accelerated financial
Originally  Bank of America stated they closed my accounts due to a business decision a few months ago, i do n't check my accounts that often and did n't know the reason until recently. I see that it was the fact that all of these claims were filed on my account. These claims were not filed on my behalf, and i found out these were actually filed by my EX GF. Whom was portraying to be me.Therefore when i spoke to the risk customer service department they advised me to call claims and tell them this info . Imagine me fi nding this out not knowing this for months. The claims department cancelled and removed all these claims from my account when i told them this info, they said to call risk back. I did and risk said they ca n't change the decision even though the claims are n't there and that i need to speak to corporate.  <P/> I do not want the account to be opened again, i just would like to bank with bank of america again, as i did n't submit these claims in the first place my ex gf stole my identity and i was shocked when i found out too. Please help.
I moved into XXXX XXXX XXXX XXXX, TX on XXXX/XXXX/2013, with the rent of XXXX a month. My income begin to change and advise the property management XXXX XXXX XXXX of this. I advised that i would need to find a way to work out paying my rent each month, this was 4 mths after moving into the home. They did not want to work out a deal money wise and took advantage of my financial shortcomings and charged me {$2900.00} in late-fees, placed an eviction behind my name that was thrown out by the court, and also was had me placed with a property manager XXXX XXXX that was very mean displayed racism to me every-time i called. an spoke to XXXX XXXX who advised me that as long as someone moved into the home after me and took over the lease i would not be responsible for the rent. I moved out in XXXX and another couple took over the lease the next month. They were not only staying in the home the month of XXXX 2013, but they also were using my gas service ( XXXX ) and i was unaware until i receive a {$600.00} bill. I should only be responsible for 1 months rent and partial amount of latefees, as these late-fees are very prosperous. I was also charged with cleaning the home, and the home was clean, and their was nothing broken because i made sure to clean and spot check the home. I feel that in part this remainder debt {$5800.00} debt belongs to the people that leased this home to after me and destroyed their property. I also have eviction on my name that is false, they served a eviction in XXXX, and lost the eviction in court due to illegal eviction, could not prove case and payment was made and accepted. The home owner was charged {$250.00} for not showing up in court and providing evidence for claim, which he tried to make me pay and have also listed it on this fee sheet {$100.00}. I wish for this to be removed from my name as this is an illegal eviction. I was not evicted i moved out of the property due to financial difficulties and was allowed to do this by XXXX XXXX owner of XXXX XXXX.
I have repeatedly disputed issues with my credit bureau report and have had a Fraud Alert placed on my credit as well, i.e inquiries, credit accounts, broken lease, name changes, address changes, accounts that were deleted and placed back on my credit, as well as the statue of limitations exceeded on several accounts. This is ruining my life. I have submitted numerous disputes to all XXXX agencies and my credit now is ruined. I am aware of things that should have been on my credit, i.e one property that I moved out of in my last month due to my health, but how could I have lived there and lived at another residence as well. I have submitted information to the credit reporting agencies numerous times. I am unsure what to do at this point. I have been disputing this for some time.
On XXXX i wired an amount to a XXXX XXXX account. On XXXX I cancelled the wire to the XXXX XXXX account through PNC. XXXX I closed my PNC account due to fraud and opened a new account with PNC. XXXX wire from XXXX XXXX comes to my now closed account from the wire cancellation. PNC rejects the wire because the account is closed and does not notify of amount coming into my account. I see there is a wire deposit and then it has a wire outging amount as well. This was then removed from my new account eliminating the record. XXXX Call PNC to get situation rectified and end up hearing they can not do anything because the account was closed. XXXX XXXX can not help because I do not have the account and each side says the money is with the other bank.
Debt Collector is still reporting debt that they state they submitted a request to be deleted in 2014
I applied for a checking account with Discover - twice now - and XXXX times the application was denied. During repeated telephone conversations Discover insists that A ) The decision to deny my application was made XXXX, not merely based on information furnished XXXX but ultimately made by Discover, B ) there is no way to manually review the application and grant an exception ... that it 's a system controlled process that is completely automated with no manual review possible and C ) It is not possible to provide a list of SPECIFIC reasons why the application was denied. I have been a Discover customer for many years now and this utter lack of concern and the pitiful customer service is very disheartening. Furthermore, on the more recent try, there is no record of a XXXX inquiry so the assertion that the decision was based on that is an outright lie.
The dispute is with XXXX XXXX XXXX XXXX. I cancelled service with them in 2013 ; the account was paid in full at the time of cancellation. The XXXX technician came to my home, disconnected service and retrieved the equipment. Since then I have been harassed by them with collection calls and have had my non-existent account sent to XXXX collection agencies. I have copies of the communication which I will attach. In a nutshell, I am still being pursued by various collection agencies for this debt.
Car was repossessed on XX/XX/XXXX. They did not give me 10 days to redeem collateral, they sent me a certified letter received XX/XX/XXXX ( tracking # XXXX ) "  Notice of Plan to Sell Property '' but the letter was dated XX/XX/XXXX and stated they put up vehicle for private sale on XX/XX/XXXX. This was all I ever received from them. Never have I received a notice of sale of collateral and possible deficiency. I am attempting to purchase a house but having problems because they show a repossession with balance owed {$8900.00} which does not reflect the sale info for vehicle. I have had nothing but problems with Albuquerque Auto Outlet from the get go. I need to have someone audit their disclosure and collection methods. I also called and spoke with XXXX XXXX on XX/XX/XXXX and advised of the problem. She stated she would call me back but as usual I have not heard anything.
XXXX XXXX/ XXXX XXXX XXXX . Account- XXXX. They are reporting that I owe {$10000.00} since XX/XX/2016. They are reporting false information on my credit report to all 3 major bureaus including 3rd party credit reports. They are harassing me and ruining my credit with false and inaccurate information. Please CFPB, help do a thorough investigation with these people. Its really overwhelming when they are trying to steal money from good people. The 3 major bureaus are not doing a thorough investigation which they are illegally  sending out false information back to me. Please have them remove this item away into their pockets. Thank you
We have been customers of Chase bank for many years. Last week our debit cards stopped working so we went to the bank to get new ones, only to find out that chase had locked us out of our accounts and was severing their relationship with us. We tried to find out why but no one would tell us, stating only that it is the bank 's choice and they do not have to let us know except through the mail. ( as of one week and two days later we still have not received the letter ) We spent XXXX3 hours trying to find out what was happening but was never given the full answer. We finally were able to talk with someone in XXXX XXXX 's office ( supposedly ) and he was not much help either, although he did let it out which account was the problem. The account in question then turned out to be my XXXX XXXX XXXX daughter 's account. I informed him of that but he stated it did not matter that because I signed for her at the age of XXXX I 'm still responsible. When I questioned him about how they close accounts and do the things they were doing, he said you signed the paper ( not an exact quote but very close ). When I informed him that no one ever told us that the bank could do this he stated " we never disclose that ''. Upon hearing that I informed him that I was a realtor and we can be held liable for not disclosing even minor details in a contract. He again stated that they do not disclose these things. I 'm not sure how they can get by without some sort of full disclosure but this seems to be the case. Because of this we have checks that have been returned even though there was enough money in our account to cover them. 

Things we have found out on our own with no help from chase, is that my daughter made a huge mistake by giving her account info to a so-called employer and they ended up conning her out of several thousand dollars. Because of this they with no warning took our money and closed the accounts. When we contacted the bank to let them know it was fraud they were not willing to help. My daughter offered to pay back the amount she had been taken for in installments but basically they said no and we had to pay it now or they were " turning it over ''. 

We could use some help getting this giant company to be fair. They should not be allowed to get away with not having to disclose such relevant and important information and then to have the audacity to say " we do n't disclose that information '' is at the very least unethical and should not be allowed. Add to it their unwillingness to give any information or even the decency to let us know that they were even going to do such things is just wrong. Any help you could offer would be greatly appreciated.
As of XX/XX/2018 I had a XXXX credit score ( excellent ) with Transunion and a XXXX with  XXXX. For over 15 years the two bureaus have been within 1 to 15 points of each other with the same credit factors being reported. At this point let me express I am fully aware of what does and doesn't constitute score changes both lowering and raising. I have worked diligently raising these scores particularly in the last three years. Within 28 days, while XXXX and XXXX have risen Transunion has dropped 101 points given the same positive criteria like credit card payoff to XXXX  balance ( XXXX up 14 Transunion dropped 49 ) it literally makes no sense. The scores between the bureau are 100 points and two categories different. I dropped from excellent to good to fair in the space of 28 days with Transunion while my scores went up with XXXX. YES there can be a glitch or scoring model inaccuracy and the Transunion representatives that I talked to from level one to level three could not make any sense of this drastic score drop and even asked if I had a recent bankruptcy or default. No. I have excellent history of everything and still outstanding credit with other agencies. We're not talking about a 10 or 20 point difference here. This is 100 points for no reason. Please address this with Transunion and I'm confident they will find the scoring error.
All XXXX credit bureaus, Equifax, XXXX, and XXXX are reporting a state tax lien for me, dated 2011. I am including a screenshot from my visit to the Georgia Department of Revenue website with my last name used in the search criteria to show that there are no unpaid taxes in my name. I have sent disputes to the credit reporting agencies and have received follow-up very quickly that the reporting is accurate. I am writing to see if you can assist with this.
I settled the balance with this company ( which I might add took hours ) They requested that I put the money owed to them on visa pre-paid cards which I did. The manager emailed me a letter showing that the balance was paid and I didnt owe anything. Now, I look at my credit report and it shows that I owe them less than the original balance which I expected to see a number there since we settled but thought it would say " Closed '' but it doesnt it is still open. So, I called. They said I would have to talk to XXXX since he is the one that took my payment. XXXX came on the line. I explained the situation and he mumbled. He didnt have an explanation. He kept dancing around my question and interupting me. He contridicted everything I said. He was huffing and puffing. Sighing constantly. This frustrated me a great deal especially since there was already a language barrier on his end. I could hear him whispering and then people laughing in the background and then I became upset. I told him that I didnt understand and I didnt want to call him back if I had more questions because my first question still hasnt been answered. He said " OH MY GOODNESS '' and he hung up on me!!!!! Im not sure what to do at this point. Im positive I can get my question answered from someone else there. But when I call they say I have to talk to him. I refuse to talk to someone who treats people this way. He is supposed to be a professional!!!! Hanging up on me?! This is ridiculous!! I am also filing a complaint with the XXXX.
My report was attained fraudulently and I disputed with Equifax. Equifax refuse to remove the injuries stating they are factual but have n't given me any description of the procedure used to determine the accuracy and completeness of the information.
i wrote them on XX/XX/2018 about this inaccurate account which states that my account has been closed with 60 days late payments, haven't heard from them them concerning this negative item on my credit and i would like it resolve.