WillisBack/dataset-financial-user-claim huggingface dataset:
Filed against : XXXX XXXX Complaint Description : Mystery account for SYNCB/WALMART DC appears on my credit report. I have never sought credit from SYNCB NOR WALMART. FROM XXXX - " .. Company Name : SYNCB/WALMART DC Company Address/Phone : XXXX XXXX XXXX, XXXX , FL XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Last Activity : N/A Type : Revolving or Option Rate/Status : Pays account as agreed High Credit : {$3600.00} Terms : N/A Balance : {$14.00} Past Due : {$0.00} Most Recent Date Reported :XX/XX/XXXX Comments on Account : Credit card, Amount in H/C column is credit limit .. " DISCOVERED THIS ON MY CREDIT REPORT. I HAVE NEVER SOUGHT CREDIT FROM SYNCB NOR WALMART. SENT THE FOLOWING LETTER ON XX/XX/XXXX- " .. To whom it may concern : OnXX/XX/XXXX, I began credit monitoring under XXXX . After which time I have noticed a credit account on my report that I have no knowledge of. This account is ... Syncb/Walmart DC I have disputed this account with XXXX. Your response to their investigation was to report that this account belongs to me. It does not. I have never applied for credit with Walmart, GE Capital Retail Bank, nor XXXX XXXX I am contacting you to request written proof regarding this account, including the original agreement. I make this request, pursuant to Section 20.06 of Title 2 Chapter 20 of the Texas Business and Commerce Code ( 2002 ). I attempted to pursue this by phone, ( ( XXXX ) XXXX, ( XXXX ) XXXX ), but after 3 transfers, your agent hung up on me. I am sending this via tracked mail.
Your Desired Resolution : written proof regarding this account, including the original agreement.
Dear LexisNexis ; I recently received a detail report on my LexisNexis credit file and I was looking through it, and noticed that there is an error with the way an Item is reporting with your organization and I would like it to be removed immediately. I extract some pages on the pile of paper that you send me, and I would like your company to remove this item from my credit report immediately. 

My rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear, I demand these accounts to be deleted from all current and future credit reports.

Additionally, please send me an updated FULL report once this has been resolved.

I believe that under Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

Thank You,
I received a loan for my vehicle and I was never issued mail or a call saying my mail was sent back to the finical company and my first bill was due on XX/XX/XXXX which I made the payment on time but they still said I was overdue and that overdue payment dropped my score tremendously. The other complaint is my credit card company said they were going to stop the payments to my card that I have n't used and paid off about 3 months ago but still have to make payments every month.
NEW INFORMATION - XXXX XXXX XXXX, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00},XX/XX/XXXX - {$81.00}, XX/XX/XXXX - XXXX. 

This information has not been submitted, and shows a Payment Plan in place between XXXX XXXX XXXX and XXXX XXXX XXXX!
Having spent many hours of my time in frustration attempting to enact credit reporting freezes with the three reporting companies, I am compelled to share just a small measure of my experiences. 
An attempt to create an account with XXXX online ended when I failed to answer one question correctly. I did not know the exact amount of my monthly auto loan payment. I was instructed to call their XXXX number to speak with an agency representative. My first attempt to contact them failed. During my second attempt after a 30 minute wait on hold, I answered all the Customer Service Representatives questions correctly and was told to email or fax all of the following : - Full name - Address - Social Security # - Photocopy of Drivers License - Photocopy of utility bill showing my name - Phone number - Email address Quite frankly, since they had allowed most of this information to be stolen already, I was reluctant to share even more information with them ( and esp. via unsecured means ). At this point, I do not know whether a reporting freeze has been placed, or even if I have created an account with them. 
Next, I attempted the same process with XXXX. Long story short, I was told that the cost of placing a freeze was {$19.00} and needed to be subscribed to their credit monitoring service and when I cancelled the subscriptionsomething I never wanted and was enrolled in without my knowledgethat the credit reporting with them would be unlocked, in this case after 30 days. After speaking at length with a Customer Service Representative, I felt that Id gotten nowhere. Wisconsin state law requires that a fee of not more than {$10.00} should be charged to lock or unlock. 
Today, I attempted to create an account and place a freeze with Experian. The process appeared to be proceeding smoothly until the very end when the website was verifying my identity and apparently locked up. At this moment Im not sure the freeze was placed or if I even have a login with them. 
I urge you in the strongest terms to INVESTIGATE, REGULATE AND OTHERWISE HOLD ACCOUNTABLE the credit reporting industry. Further, to prosecute and punish to the fullest extent of the law, any individuals involved in wrong doing in this fiasco. The potential damage from this mess realistically can or will have life-long consequences. Please do your part to help mitigate the damage.
I tried to cancel a transaction through paypal, but it still went through and i never received the item this transaction was placed for. Amount was {$400.00} and was taken out on XXXX XXXX, XXXX by XXXX XXXX through paypal, he is in XXXX. I have emailed him twice and no reply ever. I have tried paypal and they said transaction is too old to help me. I took this long because i kept disputing through my bank and every dispute takes up to 90 days to get a response. I tried to dispute through bank over and over. Final answer from bank of XXXX was that they cant credit back a transaction done through ACH. They stated if it was done through my card, they could have helped me. My complaint is against my bank AND the scammer guy that took my money as well as paypal for not being able to help me. Basically, this guy just stole my money with the help of paypal and bank of XXXX. The company that shows under XXXX XXXX is XXXX, I was originally going to get tail lights and cancelled my transaction. PLEASE HELP ME as this is alot of money i have lost. Paypal also said they would send the seller a message and copy me on it and i never got this. They stated they could send him an email informing seller they would remove him from being able to use paypal in future, but i doubt they sent it as i never got email.
Original complaint XXXX, this was not taken care of at all. In fact the phone number listed does not work. Today we found out that XXXX XXXX XXXX aka XXXX sold this debt to XXXX XXXX and that was done on XX/XX/XXXX. Now we received a debt letter which we received XX/XX/XXXX, we had no idea what this was for so set a validation letter which was sent XX/XX/XXXX by certified mail, again nothing has been received at all. 
Today I woke up to XXXX XXXX being added to my credit report ( XXXX and XXXX at the moment ) and has dropped my score significantly and I was set to buy a home. The agency that is servicing this for XXXX XXXX is XXXX XXXX where the letter was sent to, when I called them today they confirmed they did get the validation letter and they have the response ready to be mailed but have not yet ( XX/XX/XXXX ) however someone placed this on my credit when I asked for validation. 

Also this debt which is not valid at all and was sold illegally to another company.
XXXX XXXX ( XXXX, Oregon ) is reporting a collection on my account that exceeds the 7-year statute. 

The Original Creditor was XXXX XXXX XXXX and the date of the last payment on the account was made on XXXX/XXXX/2009. Approximately eighteen months later, XXXX XXXX purchased this account My EXPERIAN Credit Report does not provide a LAST PAYMENT DATE but my XXXX Credit Report reflects the date of the LAST PAYMENT correctly - As XXXX/XXXX/2009 Experian has sent a response stating they are " unable to honor my request based on the limited information I have provided. '' I have provided Experian with a copy of my XXXX Credit Report which CLEARLY shows the date of the last payment as being XXXX/XXXX/2009. 

XXXX XXXX has NEVER responded to repeated requests to VERIFY the date of the last payment with the original creditor - If they were to do so the date would show XXXX/XXXX/2009. They are using their PURCHASE DATE as the date of the LAST PAYMENT, and this simply is incorrect and as you are aware in violation of the FCRA his account notation should be removed..
have disputed the late payments on XXXX XXXX XXXX XXXX  account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
XX/XX/XXXX applied for an online quote and lock in mortgage rate for an FHA 30 year fixed loan with J. G. Wentworth Home Lending, XXXX XXXX, FL with agent XXXX XXXX.. Agent said she needed an authorization to pull my credit to lock in a rate. On XX/XX/XXXX I gave authorization. Loan agent said she locked in 3.625 rate for an FHA loan for me on XX/XX/XXXX for a 60 day lock and said she would send me confirmation of the lock. She asked me to provide all my financial information on their site which I did. She asked me to send in all supporting financial documents which I did. I called numerous times without response asking for the lock in quote she promised. No positive response. I emailed her after about 20 days of not receiving it. No response. The following day I gave her an ultimatum to send the lock in quote she promised and that J.G.Wentworth advertises that you can get the same day, and if I did not receive it I would file complaints. No response the next day but the following day I received a rubber stamped introduction letter from her stating to fill out a computer based questionaire which obviously been tampered with. No matter what figures I submitted in the 6 question format, it stated I did not qualify unless iI had excellent credit and a whopping 70 % down payment. Only under these terms would she be able to get me 3.875 %. Its obvious this was a passive/aggressive way to attempt to humiliate me by fraudulently tampering with the system she submitted to me. These are foolish qualifications which indicate to me she did not lock in the 3.625 as promised. I had already been pre qualified by two other lenders and was seeking this company because they advertised lower rates. She wasted my time, and now that my escrow is getting ready to close, my new lender wants to charge me {$5000.00} in points to bring down the current rate of 3.875 % to 3.625 %. I am accusing J. G.Wentworth of 1. false advertising, 2. false promises, 3.misleading, 4. misrepresentation, 5. improper lending practices, 6. possible mortgage license violations, 7. fraud, 8. personal financial damage, 9. improper use of my personal financial information.
I disputing that the Public Record Information is inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
I need to know about this charge for {$300.00} on my credit report and need to remove it. This is effecting my security clearance with XXXX
XXXX XXXX, XXXX Complaint against Capital One Bank On XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX a person named XXXX from XXXX repeatedly called me numerous times from no reason. This person just want to harass me. He left several harassing voice mail which I did NOT answer. On XXXX XXXX, XXXX I answered this person regarding the stolen funds at Capital One bank since XXXX XXXX, XXXX and XXXX XXXX, XXXX by a theft XXXX XXXX. I clearly told this person named XXXX representing Capital One Bank to return my stolen funds including the following terms and conditions : Acct : # XXXX Date of lost funds : XXXX XXXX, XXXX & XXXX XXXX, XXXX Amount : {$79000.00} Interest Charge : 20 % based on the lost principle Late fee : {$100.00} per month Collection Cost : {$150.00} for XXXX times branch visit Time to Spend to Collect : XXXX hours at {$200.00} per hour Total {$2800.00} Pain & Suffering : XXXX I also complained to this person that my deposit was NOT safe at all. I further told him that I brought this theft matter to the US Court House and I will NOT let this theft matter go because I sent numerous times written complaints to this bank and visited at least XXXX times local branch to collect the stolen funds. However this bank totally ignore my request by stating " it is n't possible to resolve this matter through secured message channel ''. As customer, the correct channel is to contacting customer service by secured message plus I did file fraud claim with bank since XXXX XXXX. My position never change to collect this stolen funds as this bank can not release my money to a theft and stranger XXXX XXXX who was NEVER authorized on my behalf to do anything. Once again, I do NOT know XXXX XXXX. I never authorized her to do anything nor I hired her to do anything. Therefore she has NO any reason to steal funds from my account.
This account was opened in XX/XX/XXXX and is still reappearing on my credit report. Please remove this Auto Loan from credit report. Thank you. 
Unfortunately, I do not have any documentation and/or billing statements and receipts at this time. 



XXXX XXXX XXXX Account NameXXXX  XXXX XXXX Account NumberXXXX Account TypeAuto Lease ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Original Balance {$15000.00} Highest Balance {$0.00} Terms NA On Record UntilXX/XX/XXXX
I made a purchase from a company back in XX/XX/XXXXand put it on our Discover card. The company 's name was XXXX. I purchased two supplements for my dog : XXXX XXXX and XXXX XXXX. My dog has taken these supplements in the past. The supplements purchased from XXXX made her sick twice within one hour of taking them. I immediately took her off of the supplements and notified my vet. I have filed complaints against XXXX with my state attorney general in Kansas, the Iowa Board of Pharmacy, and the FDA. I disputed the purchase with Discover around the beginning of XX/XX/XXXX. 
I am not returning the products because the FDA will need them for inspection when requested, specifically because XXXX did not purchase these supplements directly from XXXX XXXX. Instead, they purchased them through a third party. XXXX XXXX states because they were purchased through a third party that they can not guarantee the product is not tainted, counterfeit, or expired. I am including a copy of my reports for your records. Initially, XXXX tried to make me believe this product was purchased directly from XXXX XXXX when I inquired, but due to their vague answer, I continued to press. They then refused to say where they bought it from citing they can not disclose business relationships. 
Discover initially removed the charge from the credit card. The only formal notification they sent me was on XX/XX/XXXX. It stated they were removing the charge from my credit card but would reapply it if XXXX gave them supporting documentation of the validity of the charge within 60 days of the letter. As stated before, this charge was disputed around the first of XX/XX/XXXX, so clearly this letter should have been sent out earlier. 
A couple of days ago, Discover reapplied it recently without notifying me. I only found out about it when I logged into the account to make a payment on another purchase. Prior to filing the dispute with Discover, I repeatedly requested XXXX remove the charge from my credit card. I did this in writing by e-mail at least three times, and they never once responded to the request to remove the charge. In addition, Discover asked for no supporting documentation from myself to support my claim for the dispute. The way Discover has handled this dispute does not leave a good impression on me. This account has been open only a few months.
I purchased a vehicle thru XXXX ( XXXX XXXX XXXX ) Dealer license # XXXX on XXXX XXXX 2016 I was financing the vehicle thru A company called XXXX. On XXXX XXXX the vehicle was repossessed thru Ally financial thru the old owners name, I have all of my paperwork that was filled out at the time of purchase and my registration in my name with my tag I transferred. Ive made numerous calls to both Finance companies with no hope in sight. XXXX XXXX XXXX is no longer in business so I have no where else to turn
This is my third complaint in regards to being a victim of identity theft and a fraudulent and unauthorized account and hard inquiries listed on my XXXX XXXX, XXXX and Equifax credit report. I have filed 2 police reports in regards to the fraudulent and unauthorized account and hard inquiries listed on my credit report. The following account and hard inquiries are fraudulent, unauthorized and do n't belong to me, I never applied for any account or hard inquiries with the following creditors : XXXX XXXX/XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX-XXXX,XX/XX/XXXX, XXXX XXXX-XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX,XX/XX/XXXX
Bought a product from a company and recieved it well after they originally told me. 

Product did n't work, so I sent it back per a text agreement with the merchant. 

Merchant ignored me and would not respond to me for over a month. 

Decided to get my bank involved, they sent me temporary funds only to take them back a few weeks later saying it was more than 60 days after my purchase while 20+ days I did n't have the product delivered to me. 

Now as of yesterday the merchant has finally responded to me basically saying they have the manifold and the money and then will not contact me anymore. 

My bank will not do anything even with written proof the company has the product and does n't plan on sending it back to me.
During the baseball playoffs I came to see an advertisement from XXXX. At the beginning of the broadcast the main message was get a personal loan from us and be on your way out of debt. Now at XXXX pacific time its just a student loans. They are misleading, and are only available to the privilege ones. I was turned down by them but I was re-directed to a different company, I fallowed and after that I was sent to a different company ( recommended ) and from there was link to a different company, in short, I was not able to get anything/ anywhere, yet my credit score dropped cause of all their suggestions. Time to make things clear, separate the people ... look forward to hear from you
I noticed that MRS BPO LLC., is appearing my XXXX and XXXX credit files. I am disputing the validity of this alleged debt, for the following reasons : 1 ) The debt does not belong to me ; 2 ) MRS BPO LLC., has not sent me any documentation which links me to this account and they have not submitted their validation and position to collect on any such account, they have not produced any documentation of any signed agreement ( s ), which would also suggest this alleged account belongs to me!
The mortgage company returned {$1200.00} around XX/XX/18, stating that it was due to partial payment. I then sent {$2100.00} to Wells Fargo on XX/XX/XXXX, delivered XX/XX/XXXX Via on-line banking and it was returned electronically to my bank XX/XX/18 {$1100.00} XXXX  XXXX XXXX and {$1000.00} to XXXX XXXX XXXX XXXX XXXX. I then sent {$2000.00} via on-line banking on XX/XX/2018. So far that has not been returned but I received a statement overdue payments are from XX/XX/18-XX/XX/18. Attached are all the payments that I have made for 24 months which includes the dates in question. I am now receiving communications from law firms regarding a sale of my property and a phone call from a gentleman ( XXXX XXXX on XX/XX/18 who wants to give me papers from the XXXX XXXX XXXX office ( voicemail was left ). I have not received any correspondence regarding the official sale of property.
On XX/XX/XXXX I received my statement and noticed a late fee. I called the issuer Wells Fargo regarding the late fee on my account. I spoke both with costumer service and the costumer service supervisor. My minimum due monthly is {$410.00}. I have set up electronic payment to withdrawal from my personal bank to Wells Fargo weekly at {$100.00} per week. On my current statement there are XXXX payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX totaling XXXX in payments. Wells Fargo sets a statement closing date and a week earlier due date. On that they claim my XX/XX/XXXX payment was posted after the due date of XX/XX/XXXX but before the statement closing date of XXXX and will count only as an extra payment on the account. What I find unfair practices is that they say my XX/XX/XXXX payment was posted after the previous XXXX XXXX was closed and before the new statement was created even though the payment is on the statement created on the XXXX of the month of XXXX. Which they also want to count as an extra payment. They claim only the amount of XXXX fall within the due date. If you create an invoice on a date and receive a payment on that same day my payment should count towards my balance due otherwise it would have fallen on the previous statement. I have a XXXX late fee I asked them to waive along with the same scenario that occurred on the XXXX statement also. Which they refused to issue a credit for also
My XXXX account is showing late payments on my account from XXXX - XXXX XXXX. This account was charged-off initially and then I Paid it in Full. The account was charge off in XXXX and I 'm not certain why they are showing late payments in XXXX. I also had made settlement arrangements with them for this account, which I paid. As per the settlement agreement they were to notify the credit bureaus that this account has been paid-in-full and have the charge off and late payment status removed from your credit file. I sent a copy of this letter to the XXXX credit bureaus along with proof of settlement payment, etc. The credit bureaus DID NOT UPDATE MY ACCOUNT properly. I 'm in the process of trying to purchase a house and I need to have all my credit information reported correctly. First, the late payments are incorrect, Second, per my settlement agreement the information is incorrect.
American Education Services ( AES ) is reporting inaccurate derogatory information on my credit reports. AES is reporting that I was late on my student loan from XX/XX/2013 to XX/XX/2013. This is inaccurate because my loan was in a forbearance period during that time. I respectfully request that AES remove this inaccurate derogatory information from my credit reports.