WillisBack/dataset-financial-user-claim huggingface dataset:
I have no knowledge of this debt and would like it to be removed as it 's reporting to the credit bureaus and negatively affecting me.
I wrote a letter to Target asking the company to provide me proof of my written signature. They in turn sent me a bill. Under the FDCPA Laws and the FCRA laws it is required that they can furnish me written proof of my signature validating that this debt is in fact mine, by them sending me a bill in the mail does not comply with my written request. They are violating my rights and the law by not furnishing me this information. I am to believe that because they chose to send me a bill instead that they can not provide me this information therefore they must cease collections and remove the debt from my credit reports
I contacted XXXX XXXX regarding them reporting a account that is over 10 years old on my credit report they could n't locate a account by my name or social security number or address. I disputed them reporting this account under my new bankruptcy in XXXX chapter XXXX. This debt should have been deleted a longtime before I filed bankruptcy but they added themselves as if this was a new or was due at the time of my bankruptcy. I asked then to remove it. I will not let this sit on my credit another 10 plus years .They verified this account being reported correctly XXXX/XXXX/XXXX but when I called them they had no information.
I opened a card with Wells Fargo through a retail purchase at a jeweler. The only reason that I choose the financing option was due to it being a surprise and not wanting to pull the money from our savings account. Since the finance charges are paid at the origination of the loan it makes no financial sense to pay the card off now at this point. As with all of our bills this was set up on auto-payment shortly after the account was opened. At that time I had made an error in the checking account information causing the payment to not process on the next payment cycle. This first occurrence was my mistake and it was promptly corrected on our end by making the payment as soon as the issue was realized. From that point I went back online and canceled the previous auto payment with the incorrect information and set up the new one. The next month to my surprise the payment did not process yet again but this time everything was set up correctly for the auto payment. After calling and speaking with a representative they argued that the auto payment was cancelled but not set back up. I could clearly see on my online account that it was set up after the initial incorrect auto payment was cancelled. After I directed the representative to where i was reading the message from Wells Fargo about the auto payment we saw that it stated that it could take 2-3 months for the auto pay to go into effect! I explained to the representative that I felt this was completely unacceptable. How was I to know if it processed or not until after my payment was already late I asked. Her response was that she was n't sure and I would just have to monitor my account to see if it came out or not. When it came time for my next payment to process it failed to do so again. I spoke with the representative who claims to see no auto payment information on my account. After I logged into my online system I was astonished to see that the previous messages from Wells Fargo on my account about the auto payment are no longer there! It is as if they had been deleted because even the welcome messages etc. are gone as well. If the call I had with the first representative was reviewed it will be clear that what I claiming is in fact truthful. 
We are in the process of building a home so our credit is very critical at this point. We strive very hard to ensure nothing is ever late with any payment we make and always pay much more than the minimum. Wells Fargo has been nothing but a hassle since the very first payment and all we are trying to do is ensure they receive the money we owe them. Every month it is a constant issue taking time out of our busy schedules to ensure this gets corrected. The frustration and XXXX we deal with on a monthly basis is not acceptable and I feel Wells Fargo should be held responsible to make this correct. We are very deliberate about every account we choose to open and what banks deal with our financial matters. We feel at this point that Wells Fargo is not meeting our expectations when our time is extremely valuable to us.
From XX/XX/XXXX - XX/XX/XXXX, I was enrolled in a health professions program. I received Stafford, PLUS, and Perkins loans during that time period to finance my education. After completing 2.5 years of the program, I was dismissed due to a health condition. After the grace period of six months, I was unable to pay back the loan at the required rate due to unemployment or lack of funds. By XX/XX/XXXX, I had a steady job and consolidated my loans so that I could repay them. The total balance was XXXX. I have been paying on the loan consistently from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, I took advantage of a student loan refinancing offer from Citizens Bank and refinanced my loan. My balance at that time was XXXX. Today my balance is XXXX. I would like assistance in determining whether my current loan balance is accurate. It seems that after paying on the loan consistently for 15+ years that my balance should be lower.
TransUnion, to date, I have not received the results of your investigation regarding my disputes dated XXXX XXXX, 2016 & XXXX XXXX, 2016. I did receive a notice from you dated XXXX XXXX 2016, explaining to me what an " inquiry '' is ( I know what an inquiry is ), but this did not satisfy your obligation, by law, to investigate and correct inaccurate information which appears on my credit report. As the 30-day clock has already lapsed, your only course of action here can be to delete the disputed items from my credit report.Inquiries are not a statement of fact. The inquiries I have listed did not have my authorization nor a permissible purpose to obtain my credit history. The law makes no distinction here, by placing the responsibility to confirm this information with you. Inquiries hurt a credit score, and are a part of the report. You are not exempt from following the law, simply because these entries are not tradelines. The FCRA clearly places this responsibility on you. The information you are reporting is incorrect in the way I have explained.
I submitted my original complaint about a month ago ... .still waiting on a resolution from XXXX ... .they have been very slow about getting back to me and giving me the information I have requested now ... ..2 times in certified mail ... ... .8 times verbally ... ..now 2 times with the CFPB. 
They are trying to collect about {$7400.00} labeled as ... .corporate advance, for fees that are not mine. They told me it was for either construction without permits ... ..which is untrue ... .. I have and submitted twice ... ... .or for foreclosure ... ..of which I was never in foreclosure on my property ... XXXX XXXX XXXX in XXXX XXXX 
They are dragging me along with no solid answers as to what the actual charges are for.
I have been getting hit with overdraft fees for the last three weeks but this weekend I got charged an auto loan payment that is usually due on the XXXX two days prior from its original withdrawal date causing my account to go into negative numbers. This has made me raise suspicion about the motives behind the transaction. I was not expecting the transaction that early so I did not have the funds available to meet the amount that was withdraw causing me to pay overdraft fees for big and small charges. I think it is very unfair how banks treat their costumers. I have tried getting those charges waived but the bank limits to only XXXX waived fees per 12 months. I think the creation of " pending transactions '' should be illegal and I also think banks should not limit the amount of waived overdraft fees to just XXXX. What about unfair transactions after those XXXX waived fees? My auto loan has always been withdraw at the XXXX of every month except last month and that is very strange and extremely unfair. I think the banks are still implementing illegal tactics and are still picking on low income costumers to create overdraft fees surges. Those practices should not be tolerated by regular people trying to make a living. I have already paid too much money on overdraft fees this month for small things like food and gas. Money that could have been better put to use on other things that are essential to everyday life.
There is someone by the name XXXX XXXX showing up and affecting my credit score.. 
I have contacted XXXX credit tracker to dispute the matter! i got a letter in the mail that said they had contacted the furnish vendor. its has already been 3 months and no action has taken place.
I had my mortgage bought by Greentree Services XXXX I have an automatic payment plan with my bank that pays my mortgage amount each month and have never missed a payment. I have my bank records showing the payments made each and every month. I received a statement from GreenTree claiming I was in default and demanding the full amount of my mortgage. In addition I have an escrow account and Greentree continues to miss paying my taxes and insurance from my escrow account.
My XXXX XXXX credit card was paid off, XXXX balance in XXXX XXXX. XXXX. XXXX reported to the credit bureaus my acct was past. In XXXX XXXX, XXXX. XXXX reported the acct 90 days past due. In XX/XX/XXXX, XXXX XXXX reported they charged it off as a bad debt. The credit bureaus post this inaccurate information, failing to recognize it has a XXXX balance. I disputed the info to XXXX in XX/XX/XXXX, File noXXXX. XXXX. XXXX responded to XXXX acknowledging the account was paid off in XXXX XXXX. Eight months later, XXXX. XXXX still has not contacted the credit bureaus and acknowledge their error. The erroneous info is still on my credit report and has caused my credit rating to fall by 50 points and my credit limit to decreased on my XXXX card. This inaccurate will remain on my credit report for seven years. XXXX. XXXX has knowingly and purposely caused negative affects to my credit report.
I noticed a debt on my credit report That's keep lowering my credit scores when i inquiring or dispute it. And now they move the debt to another company so i can't find out who open this debt that is on my credit report
Had this account since XXXX and did not miss one payment ... ... I explained to the company Synchrony Bank in XXXX that I ran into financial difficulties this month and would try to make payment with I did but not enough funds were available in my account. 
I then told Synchrony I would double up next month XXXX which I did but funds again were not available on XX/XX/XXXX when they processed but were available on XX/XX/XXXX which they again processed and showed receiving my double payment. I then received letter from Synchrony which I will attach closing my account due to number of dishonored payments on my account. I called Synchrony and explained again but to no avail. I am more concerned with how this is going to affect my credit score more than anything else.

Please help!
First, I am having a temporary financial setback and I have tried to work with Discover Cards to mitigate the situation but it only seems to be getting worse. No matter what you say to them, they ignore you and try to set up a payment. As many times as I say, I ca n't commit to a pre-arranged payment, they do not listen and repeat the same question of setting up a payment. These people must be on some type of commission because they are relentless and they do not listen or respect the consumer. I do not like to make arrangements that I am not sure that I can fulfill. I feel pressure and I am usually depressed when I get off the phone with them after phone calls that have lasted over an hour. 
Second, they are leaving messages on my answering machine say there is some type of savings opportunity I should be aware of. Everybody within earshot knows that it is a call that I am behind in my bill and that is something that I do not want to share with the rest of the world. 
Last, on the last phone call, when I spoke to their representative on XXXX XXXX, I was told I was past due 60 days, which confused me. I did not know I was so behind in the account. The representative said that I started being delinquent one day after the last payment on XXXX XXXX, and I had made a partial payment after that. I found this confusing. Is this true or a marketing technique to put fear into the cardholder 's mind that they are worse off than they think? Is that true and legal? Thank you. I need clarification of the delinquency issue/
toyota rep totally messed up my credit cra violation cost me on a loan and credit cards ftc violation
In XXXX XXXX, I was given a {$1100.00} credit limit on a Sears credit card. I purchased a XXXX XXXX XXXX XXXX including a XXXX extended warranty for {$1100.00} from Sears, yet today ( XXXX ) I still owe over {$1200.00} for the same TV. I have never missed a payment on this card -- until XXXX XXXX when all of my creditors went unpaid due to a " bank 's error ''. My bank corrected the error and gave me a letter to submit to my creditors explaining the problem, in which I also sent XXXX to Citibank ( Sears ) too. However, some creditors waived their late fee, but still wanted double payments. In XXXX I paid my normal payment to Citibank. Then in XXXX I get a letter stating that I owe another XXXX payments plus late fees. I called Citibank and spoke to a woman name XXXX, I explained to her that I did not have the amount of money they were asking for and I would appreciate it if they would let me pay a lesser amount, ( over the minimum ), for about XXXX or 4 months to get caught up. They agreed to let me pay the lesser amount of {$50.00} at 10 % interest for 12 months, and then after the 12 months has ended, my interest rate will revert to the 25.24 %. I was told that I had to agree or the late fees would keep coming. Also, they would permanently close my credit card account and the payments I make will not appear on the Credit Bureau Agencies -- only that my payments are pass due. Does the law allow them to do this? I feel this is so unfair for Citibank to treat me this way and to deliberately not report the payments we agreed to for this card in order to hurt my credit further. 
This is the first time I have ever had a payment issue since I had this card except my inquiries as to why my balance was not decreasing. A few years after the account was opened, in a pinch, I used the card to purchase gas for my car once or twice, and XXXX of those times it was for only {$17.00} -- then about 3yrs ago I was able to purchase a {$140.00} or {$160.00} for a sewing machine. Other than that there was hardly ever " available credit '' for any constant use of the card, since the Balance remained over or above $ XXXX, even though I paid over the minimum amount due each month. I telephoned Sears on XXXX to inquire again about lowering my interest rate so that my account balance would go down and person I spoke to laughed and said " it 's a credit card, what do you expect ''. I told her I did n't expect to spend the rest of my life paying for a TV. And she added that the interest rate I have was the best they could offer me at that time. So, at that time I cancelled the Account Care insurance as well as the {$8.00} a month Accidental Life Insurance thru XXXX -- still no change in the account balance. 
I will appreciate any advice you can offer if you find or see another resolution to this problem. 
Thank you in advance, Sincerely, XXXX XXXX
I have written, and called Equifax about updating, and accurately reporting.Information pertaining to various accounts on credit report. 
1 ) As an authorized user on my husband s XXXX XXXX XXXX  XXXX card.That account is listed on my credit report. Equifax has the payment status as " Not more than two payments past due '' .That is inaccurate.I personally paid on XX/XX/XXXX. For the months of XX/XX/XXXX, and XX/XX/XXXX. 

A. ) Equifax has the credit utilization for this same account as 76 %. That also is inaccurate. 

B. ) Equifax for this same account has a high balance of {$260.00}, that also is inaccurate. 

2. ) XXXX/XXXX A. ) Equifax has my balance as $ XXXX.That is inaccurate. 

B. ) Equifax has my credit utilization at 57 % that also inaccurate. 

C. ) I contacted XXXX regarding my credit report through Equifax. Is not reflecting my payments, my score hasnt gone up Since XX/XX/XXXX.XXXX informed me that they submitted/updated to Equifax XX/XX/XXXX . I contacted Equifax, and was given no information.But wanted me to pay for my score. I informed the representative.Im not asking for my score. I have MyFico for that. Asking did XXXX in fact submit updated information regarding my account.Was told they couldnt tell me that information. 

3. ) XXXX XXXX A. ) Still showing balance as $ XX/XX/XXXX.That is inaccurate. 
B. ) On my 2-Year Payment History that do n't have a payment for XX/XX/XXXX or XX/XX/XXXX.In which payment was made on time for both months.Equifax reported my account was late right away for XX/XX/XXXX, and XX/XX/XXXX. But, they have yet to update XX/XX/XXXX, and XX/XX/XXXX ontime payments.
Information was placed on my credit file on or about X/XX/2017, related to an unknown account. The information is incomplete and fails to conform with the laws related FCRA. 
No notice was given prior to listing, a clear violation of the FDCPA. I have disputed this with the credit bureau and await the resolution.
A bank made an inquiry on my credit report on XXXX XXXX I didnt make any inquiries
I have a twin sister, same date of birth, first name begins with the same letter, and social security # is different by only one digit. I have pulled my own credit report in the past and never had any problems. Now that I am trying to apply for a credit card, the company has pulled my credit report. It shows my social security # but it lists my sister 's name and all of her debts and her credit score. My credit is much better than hers and I would never qualify for a credit card with it showing her debts on my file. How can I go about correcting this and why would this happen in the first place?
I purchased a vehicle from XXXX XXXX in XXXX XXXX XXXX, XXXX, New York in XXXX of 2015. The vehicle was financed by Santander Consumer USA. Neither the dealer nor the bank informed me of the terms of the loan. I later found out that the interest rate was exceptionally high at 21 percent. Since I bought the car I have paid over {$20.00}, XXXX and still owe at least {$26000.00}. I have requested a lower interest rate from the bank. I have even asked the dealer to take the vehicle back in a trade, but they all refused because " the vehicle is overpriced '' they state.
I came into this location for a title loan and was told that because I had one already I could only do one at a time which was not a problem. I talked to XXXX on the phone and she informed me they offered pay day loans not based off credit. I told her I would come in as long as it wasn't based off my credit because I didnt have great credit. Once I arrived I went through the process seemingly fine and then there were several issues with the format and how it was sending and printing to the servers at speedy cash. The representative helping me told me something was wrong with the printer or something. She told me she could run the application with just my SSI income and I told her that I did not want to do that because I wanted all my income included and accounted for. The young lady came back and handed me a paper saying I was denied for my loan because of my credit score and so forth. I asked her how I was denied because I already informed her I didnt want it ran without all my income included and furthermore how and why my credit was even pulled and ran because I did not want any loan based off my credit because i know a pull would stay on for two years. I asked the young lady why i wasnt informed my credit would be pulled and that it was a hard inquiry and she simply apologized and told me that she thought someone informed me of that. I called into the internal customer service line for the company they alleged taking my complaint but no one has reached out to resolve the matter.
My Spouse and I both have a inquiry on our credit from a XXXX used cars. 
We have not bought or financed a auto from this institution. We have XXXX continuously requested for this to be verified several times. So it can be removed because it was not done with our consent. Equifax keeps saying its verified! Which is not possible when we have tried to contact this company that SC XXXX shut down and the XXXX revoked their license. I have informed Equifax of this fact! But yet they keep saying they verified it belongs to us! How is this possible when the Government of SC shut them down? Can you say someone at equifax does n't do their job? I can vouch we have disputed this so many times and still it 's hurting our score a a hard inquiry.
My mortgage company is reporting to credit bureaus that my account is closed due to bankruptcy filing of chapter XXXX. I am in a current chapter XXXX and making regular monthly payments to them but that not being reflected on my credit reports. i have called numerous time to have it corrected but nothing gets done and my cr5edit score is being effected by it.
Hello, My name is XXXX XXXX and I have filed the complaint with you around XX/XX/XXXX, 2016 about Affiliate Computer Services ( ACS ) for which XXXX XXXX XXXX is an administrator. CFPB complaint Case # : XXXX. In response to my case, you sent me a letter ( XX/XX/XXXX, 2016 ) saying that XXXX XXXX evaluated my loan history and they would reduce my interest rate. It said that XXXX XXXX had permanently reduced my interest rate margin to 2 %. and it further said that reducing interest margin would effect of reducing my monthly payment about {$50.00}.
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Not only XXXX XXXX DID NOTHING ABOUT REDUCING MY PAYMENT BUT IT INCREASED IT TO $ XXXX Monthy. IT IS ABOUT {$10.00} more I used to pay. I called them three times to discuss my case. NOBODY COULD DO NOTHING AND REPRESENTATIVES FROM AFFILIATED COMPUTER SERVICES ( ACS ) KEPT SAYING THEIR COMPUTERS WERE DOWN AND ASKED ME TO CALL LATER!!!!. I DON '' T HAVE A TIME TO CALL LATER BECAUSE I NEED TO WORK TO PAY MY BILLS. I AM FURIOUS, AND I WANT TO TAKE A LAWER TO RESOLVE THIS PROBLEM. I HAVE NEVER DEALT WITH SUCH DISRESPECTFUL AND IGNORANT COMPANY AS AFFILIATED COMPUTER SERVICES ( ACS ). THEIR BEHAVIOR IS UNACCEPLATBLE. I HAVE BEEN PAYING MY LOANS AROUND 8 YEARS AND THE BALANCE REMAINS THE SAME. CAN YOU HELP ME TO FIND SOMEONE A LAWER TO RESOLVE THAT PROBLEM?. MY CASE WAS FILED On XX/XX/XXXX, 2016. My name is XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. CFPB COMPLAINT CASE # : XXXX. My email is XXXX. Phone is XXXX.
The XXXX main reporting agencies are reporting a Federal Tax Lien that was withdrawn and filed in error. It is still reporting after sending them proof of the withdrawal and disputing the information several times
This account is closed and I called Equifax to get it removed since it's closed and horribly effecting my credit. When asked to remove, they refused, so I asked for them to send me my documents for that account, and they wouldn't respond.
On XX/XX/XXXX, I submitted to the major credit reporting agencies a dispute in regards to accounts and inquiries on my credit that I never knew about or authorized. It has been well over 30 business  days since I have submitted my dispute via certified mail to the addresses they have listed on the websites, yet to no avail as the accounts continue to erroneously report on my credit file.