WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX18 I checked my credit score with Equifax, as I noticed that this service was the only one that listed a delinquent item in my overall score. I tried for about 45 minutes to take care of the problem online, with no success. There website did not function as purported to. Totally dysfunctional website. Finally gave up and tried to find out how to complain and to whom. Found this website, talked to an agent and got directed to this complaint system. 

The issue involved a mistake made by a kid behind the counter of a XXXX XXXX XXXX XXXX in XXXX, Wa. XXXX XXXX XXXX. It occurred about 3 or 4 years ago. I discovered that this XXXX XXXX XXXX was taking money out of my account to pay for a loan account that I had a credit card for. When I discovered they were deducted money from that account I decided to close the account. I specifically told the kid to cancel my account, which I discovered during the data breach where everybody 's personal information was hijacked. I then took care of it, I thought. Apparently, Equifax didn't get the message. They continue to show a delinquency that affects my credit score. I actually went into the credit union 's branch in XXXX, Wa. and told them of the problem and they retracted the delinquency notice. I don't know why Equifax ignored the results of that retraction when the other 2 agencies abided by retraction. I tried to communicate with that operation but was unsuccessful due to their website being so dysfunctional. I need help getting the message to this " company. ''
i have ask on a number occasion to validate.and XXXX have refused to supply me with the information. This account is over 7 years old.
XXXX XXXX I sent in a loan application to Resmac Mortgage for a reverse mortgage. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl branch was the contact. i provided everything electronically. and called for updates several times. I never heard back and never got a Good Faith or any disclosure of any kind.
XXXX  XXXX XXXX said i didnt have credit history and XXXX  and XXXX cant seem to fix my credit with the inaccurate information they need to fix that asap
We ran into problems 2014 when my husband was laid off. Industry did away with XXXX XXXX. We tried to get a loan modification but XXXX XXXX XXXX advised us to go with an interest only Home line of credit. At the time real estate was booming so we were given a much higher loan based on the value at the time. I cant begin to explain the sequence of events that took place after that! My mother was XXXX I couldnt put the house up for sale while she was Ill. I  became XXXX unable to work and so on. XXXX promised to help but only made matters worse! I only wish I understood the importance of paying the mortgage at the time but now it is escalated beyond my capacity. Please please help us Im begging you help us save our home!!!
This company is reporting a credit card on my credit reports and refuses to delete the information. Ive disputed this account multiple times and it keeps returning as updated after only 1 day of being open. Ive asked the original furnished to provide to me verification in the form of the original consumer contract with my signature on it and all Ive received was a print out of the account with a list of information and no signature anywhere. They continue to report my information even when they have no verification. The credit bureaus also have failed to investigate thoroughly because if a human being actually investigated and not XXXX, they wouldve deleted this account a long time ago. The negative reporting is defamation of character and I am preparing to seek litigation for damages caused by the negative reporting.
Between XX/XX/XXXX and XX/XX/XXXX there was a hard inquiry on my account that has been open sinceXX/XX/XXXX with XXXX XXXX for XXXX 's XXXX XXXX. The account has not been used since then nor have I had contact with XXXX XXXX or the furniture store sinceXX/XX/XXXX The inquiry was unauthorized and I was never informed that an inquiry would be ran. 
I called into XXXX XXXX 's customer service. They told me they can not access any information to the account because it's the store 's card, so they had to transfer me to that card 's customer service. When I reached the representative on that line, they told me they have no record of the inquiry being pulled and can not tell me why one would have been pulled. They claim to have filed a dispute through Transunion, but I do not feel confident that any actions were properly taken since they can not see their own inquiry they pulled. This is negatively affecting my credit because hard inquiries take points away. 
I do not understand how a company has no record, but had to have sent a report to a creditor requesting my information.
I was contacted by XXXX XXXX XXXX saying they were a collection agency and that my credit card was over XXXX days past due. I said that I always paid my bills on time and had just sent in a huge payment because I received my tax return. This credit card was not opened by me. I have never seen it, used it, nor signed for it. The address and phone number associated with the card was not familiar to me nor were they a part of my history. These were XXXX and XXXX XXXX XXXX XXXX XXXX, AZ XXXX. The man I spoke to at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) said that they called that number on XXXX and the person who answered said wrong number when they asked for me, XXXX XXXX. The ID for my case at XXXX XXXX XXXX is XXXX. I have placed freezes with all three credit bureaus. I also have filed a police report. My police report number is XXXX.
I obtained the student loans originally through XXXX XXXX in 2007. Upon my leaving school I began receiving correspondence from XXXX XXXX for a few years. Each time I asked for deferment I was sent the appropriate paperwork and the deferment was approved. Once Navient obtained my student loan account I requested a deferment, submitted the necessary information regarding wages and living expenses only to continue to receive correspondence requesting additional information. My user information was continuously changed in their system and I was never able to log in to the Navient website to view information they claimed was pertinent to my account. Now I am so far in debt and marks are on my credit report that there is nothing I am able to do to rectify the situation.
I CONTACTED XXXX XXXX AND EXPERIAN about them having my updated balances incorrectly reported on my XXXX account. I will attach documents to show they are falsifying updated balances on my report and my AU 's report for this same XXXX account. And XXXX UPDATED AND POSTED THIS FALSE INFORMATION KNOWING ITS A FEDERAL CRIME THAT CARRIES A VERY HEALTHY FINE AND COULD LEAD TO CRIMINAL CHARGES. My reported update balances are the XX/XX/XXXX of every month.
American Express " cancelled '' my Gold card account. They considered me a credit risk. They lied to me over the phone stating they have proof that I had opened certain e-mails pertaining to the fact that recent payments were returned unpaid by my bank. 
I offered to pay the outstanding balance in full, less the dollar equivalence of the reward points earned and not yet redeemed. They declined, stating that all reward points are forfeited when the account is closed. So after paying the outstanding balance, less {$1.00} for every XXXX points, they put the account into collections for the reward points balance ( {$2700.00} ). They are not responding to my letters that lay out the case that I never was a credit risk, that I was in a financial position to pay off the balance in full, suggesting they should have issued a rewards point credit to the account prior to cancellation ( or at the very least transfer the reward point balance to a different rewards program outside of American Express ). But instead they decided to unscrupulously put the rewards balance into collections. In reading the very fine print of terms and conditions of card usage, they do state that reward points are lost if the card is cancelled. Like all other credit cards that I hold, I had never considered reading the terms and conditions. Not only should American Express make greater efforts to expose their card holders to their hidden and deceptive policies, but I believe their ability of being allowed to cancel a card at their discretion at any time should be challenged by US lawmakers as flawed as it only serves their interests with complete disdain for their card holders.
i bought a motor vehicle from drive time in Florida, paid my loan for XXXX years paid my car off in XX/XX/XXXX, i did pay high interest for this motor vehicle, but that was OK because i saw that it would help my credit, which it did, in XX/XX/XXXX they removed the loan that i paid off of my credit reports XXXX of my reports that is, i asked them why they said they were updating there info and it would be back on my reports in XXXX days, i called them today XX/XX/XXXX and advised them that its not on there and i was being asked to pay higher interest from other banks because i had no qualifying accounts on my credit ... they said they can not and will not correct my reports and there was nothing they could do,,, so i feel like i wasted XXXX years of my life paying more money for something to build my credit and do n't have any resolve ... please help me i feel like i have been robed by a XXXX dollar company that does not care ... i should not have to be turned away ore pay more because of there short comings .... they took the interest on my car but did not want to deliver on what was promised when i bought the car ...
Our son was in an auto accident and was injured. He now has very serious health problems. He had a XXXX credit card. He tried to pay it but it was sold to XXXX after XXXX filed for bankruptcy. He continued to pay on it, even though he continually explained his situation. He was trying to get his life back and reestablish his credit rating, and get any debts paid. 

he was taken off of work for a period after the accident and they found more very severe health problems. He had informed W & O and Portfolio in the last contact and it went ignored by them and they followed through on this default against him- a person with very severe medical problems. 

This past year, he was served with a summons. He did not understand what to do and kept paying the debt.He paid them over {$100.00} out of good faith and agreed to pay his debt, just wanted them to work with him. He has paid, XXXX and twice in XXXX of 2015, receiving letters of receipt back from XXXX/Weber and Olcese thanking him for his payment. 

He continually asked for the summons to be dropped. He is unable to talk on the phone regarding any financial debts, due to previous harassment and comprehension difficulties. This was stated several times in complaints and contact he had made to them, both in writing and to the CFPB. 

We believe that we are authorized to contact on the account. If not, we would at least like the CFPB and public to be aware of the harassment our son, with health problems is going through even though he is making payments to these XXXX companies. 

This week, he received a default, enforced by the same company that had been sending him thank you letters for his payments and that he has paid over {$100.00} to these past two months. XXXX of the receipts are enclosed. In the past two months, he has made XXXX payments. {$100.00}, {$12.00}, and $ XXXXXXXX.this default has now destroyed his credit.
XX/XX/XXXX, 2017 I received information from XXXX XXXX that i was eligible to receive a loan with low interest rate to better my credit score. I spoke to the bank and the intake person on what i would need to get a loan. Which never did. Now i have a hard credit check on my credit score on for two to seven years. 

Your assistance is needed as to how i can remove this from my credit score. 
Thank you XXXX XXXX
I was XXXX years of age my mother and cousin used my name to apply for XXXX a a kiosk, they did n't pay for the service and I returned the boxes after service was disconnected after I was charged
XXXX XXXX, 2015 this account was removed from my credit reports. XXXX XXXX, 2015 - XXXX BANK OF AMERICA CHECKING ACCOU {$600.00} was removed from my credit report because it had been on for 7 years. It was added back to my account in XXXX 2015. I filed the complaint before but was looking at my deleted and removed collections on my credit reports and found it had been removed from XXXX XXXX on XXXX XXXX, 2015. How can another company report again when the account was already run the course of seven years? Is this not considered re-aging an account? 
This Company XXXX XXXX is listing on credit reports a monoth at a time instead of all at once causing my credit scores to drop each month.
I went into XXXX XXXX in XXXX, MI with my family in XX/XX/2017 to buy a car. It would have been my first car since I am a new XXXX XXXX with very little credit history. I agreed to a credit check with my mother as a cosigner. Our credit was run with 7 banks at once, resulting in 7 individual hard credit inquiries into both of our reports, but did not know at the time. We did not purchase a car while at XXXX XXXX. Months later, I applied for a credit card and was denied due to too many hard inquires into my credit during one period ( bringing the total to 8 ). Luckily, I was able to check my credit online for free. Since I am very new to credit and did not know that the inquires were individually charged, my credit dropped even further. I contacted Trans Union in order to discuss solutions to solving this issue, since 7 individual inquires into someone's credit is completely egregious and financially destructive. I was told that I would need to resolve this with XXXX XXXX and have a letter written to Trans Union in order to clear the matter. When I contacted XXXX XXXX 's finance department, they insisted that multiple inquires did not impact my credit and refused to help me in any way. The representative was very obtuse with me and refused to let me explain my situation, instead bluntly asserting that the issue is my fault and nothing can be done. After several back and forth arguments, I ended our conversation. After filing a complaint with the XXXX XXXX XXXX, XXXX XXXX still refused to help in any way so the root cause of the problem is still unknown, and with no clear solutions in sight.
I filed an ACH dispute after noticing fradualant and unauthorized transactions. Capital One 360 started a dispute and credited my account some 6100 plus dollars. Yesterday I received an email from Capital One saying their investigation showed everything but XXXX   dollars of that dispute was without error. When I called to follow upI was told my only recourse was to call XXXX XXXX and store card because they verified that I did indeed authorize the ACH transactions. So, I called and found that XXXX  of the more than 6000 dollars of transactions I disputed were for accounts I have with XXXX credit. The remainder of the more than 5000 in payments are not made from accounts that I own or are a co-account owner. Which means that the over than 5000 dollars in unauthorized ACH payments that XXXX   confirmed to Capital One 360 I authorized are in fact going to someone elses account. While I am sorry XXXX dollars I did authorize to pay my own accounts with XXXX were inadvertently roped into my disputesI am not satisfied that I am said to have authorized payments to XXXX accounts by ACH debit, when in fact, I did not authorize these debits. Anyone else who has debited my bank account is not an authorized signer on my bank account and I have not authorized payment to any account that I do not own.
I requested documented proof that a loan from Exeter Financial was mine and I received a letter advising they were able to validate the debt but never sent me proof it was validated. My consumer reports were frozen as of XXXX XXXX, XXXX however I received the letter advising it was validated on XXXX XXXX, XXXX so it was impossible for them to validate. From my understanding it is unlawful to lie like this and have something on my credit reports that they do not have validation for.
I consolidated my loans with XXXX and on my Equifax report it shows the consolidated amount plus every loan consolidated still shows individual with an amount due so it makes it look like I have triple the amount of student loan debt.
All of the reporting from this organization/ creditor to any credit bureau has been unauthorized & without my consent. On my XXXX credit report it shows a creditor by the name of CREDENCE RESOURCE MANA reporting the following : Account # XXXX Date Opened : XX/XX/2017 Account Status : Closed Payment Status : Charge-off Status uploaded : Balance : {$610.00}
I 'm 3 mos behind on my mortgage payments with Pacific Union Financial. I have a documented XXXX and so I do miss work occasionally because of the illness. My mortgage company was informed that my delinquency was due to illness. However, I have been told that I need to make a triple payment this month in order to prevent foreclosure, because I 'm in pre-foreclosure. My issue is that I called offering at least one whole payment, and was denied. They told me it is being rejected because I am being required to make a triple payment. Is there any way to disallow these practices? Especially for hardworking people who fall on hard times for one reason or another?
My wife and I sent the following letter to our loan XXXX at loanDepot, XXXX XXXX, in the afternoon of XXXX XXXX. We have not heard from her or anyone from loanDepot since, and our application remains active. This strikes us as peculiar and wrong. We invested a significant amount of time both in the lead-up to the home appraisal and on the loan application itself -- time, and effort, for which we believe we should be indemnified, in addition to the fees we paid loanDepot. 

" XXXX, We have not heard from you since last Thursday, even though you set our closing date for today. 

Anyway, loanDepot made the initial phone call which started this process. In that conversation, we mentioned the size of our property, the age of our home, and that ours would be a jumbo loan. 

As you made it clear to us in our phone conversation last Thursday, we have been defrauded by loanDepot, as we were, unbeknownst to us, offered a loan for which " we were not qualified. '' A subsequent conversation with XXXX XXXX revealed that our property is, he admitted, " typically ineligible. '' We would not have risked the venture had we been apprised of its nature. 

We wish for our mortgage application to be withdrawn from consideration. 

Please be advised we will report and publish this instance of predatory lending, starting with the Consumer Financial Protection Bureau, and we will disclose names. 

At this time, we request only a full refund of every fee, including that for the appraisal, we have paid loanDepot thus far. 

Sincerely, XXXX and XXXX XXXX ''
XXXX XXXX applied a {$20.00} credit to my account XX/XX/2016. I didn't have a bill anymore from them so I call and they assured me the credit is there and when I close the account they would give it back to me. After I closed the account I do a chat to make Sure they are sending it to the right address. They tell me they see the credit but it is their policy not to give me the money. I said there is a big mistake so they continue to harasss me thinking I'm just going to drop it and they can keep my money. The manager acknowledge he wasn't sure if it was legal or not but he still wasn't going to give it back. They previous representative said it was on Google pay but when I talked to them they said they have nothing to do with XXXX XXXXXXXX. Google stole my money and they deceived me into thinking I would get it back later so I wouldn't file a complaint with my credit card.
I am one of the potentially impacted persons from the Equifax security breach in XX/XX/XXXX/XX/XX/XXXX of 2017. Equifax compromised my report, and took over a month to notify ( though never notified me directly up to this point, and had to hear about the breach from a third party source ). The only restitution offered is credit-file monitoring and identity-theft protection that required me to enter the last six of my social and my last name on a website they setup ( potentially requiring me to further compromise my data in order to get access to the monitoring ).
XX/XX/2018 This started all on XX/XX/2018 when I received an email from my employer about a garnishment for XXXX XXXX aka XXXX XXXX. 

I've never been XXXX XXXX and I even noticed some time ago XXXX XXXX appeared on my Credit Report and I tried to remove it but it's still there. They related me to XXXX XXXX who probably owes this debt. 

Levy Law Firm is collecting on a debt that I do not owe for their client XXXX XXXX. I called XXXX XXXX and they refuse to provide proof that I owe this debt. There is a garnishment on my pay! 

I've called Levy Law Firm every day and multiple times a day since my pay was first garnished. I called them when I found out about the garnishment and they were supposed to send me the dispute form but when I gave them my address information they put it in wrong so I never got the forms. My pay was garnished two weeks later and I called again and they were just going to correct the address but I kept calling in irate and they finally emailed me the forms and gave me the information to fax it in. I continue to call and then I started looking up more information for XXXX XXXX and called them, the guy gave me another number of the debt collector to get more information. I called them and they said they just route the collection and that I would need to speak to the debt holder which was some other company name and gave me the number. When I called the new number it was XXXX XXXX and the guy actually picked up and then hung up on me. I called back and just let the phone ring until he finally answered. I continued requesting the information like the contract with my signature for this debt and he kept saying he can't give it to me over and over. Now I continue to call Levy Law Firm every day checking on the status of the request they sent to their client and they are 'still waiting '. on XX/XX/2018 they said they received a notification that the client sent proof of debt validity and I think it's going to be the judgement from the court which is in the attached pdf. 

They have already garnished {$1800.00} in a single paycheck. Which is incredible for a DEBT THAT'S NOT EVEN MINE!
Bank of America is at it again, claiming that I have a past due amount, which is completely false. They received payment on XXXX XXXX, as acknowledged below, which was the last available on-time payment date ( i.e., last date to pay without have to pay a nominal late fee ). I remain convinced that B of A is systematically retaliating against me for keeping you apprised of their unethical business practices. 
Message from Bank of America : '' There has been recent activity to your account. 
A Home Equity Line of Credit payment was received on XXXX/XXXX/2015, in the amount of XXXX. 
Your next payment will be due on XXXX/XXXX/2015. " Despite having received the payment on time, they are showing me as past due, and are no doubt preparing to once again report false information to the credit-reporting agencies. 
Please help stop these shameless and despicable liars. Thank you, XXXX. XXXX
Today, XXXX/XXXX/XXXX I was looking at my credit and noticed that ATG Credit filed a potential harmful credit report against me. I called the XXXX XXXX to dispute this issue immediately. I told them I do not know this company, I have never received any statement, request, no correspondence from them about this claim and it is not mine. I then called the company and they were very nasty to me on the phone. They had the wrong address, but they had the right name. After a short conversation they hung up on me. They have hurt my XXXX XXXX from XXXX to XXXX score. They never sent me XXXX correspondence related to this supposed debt. I would have never known about this issue if I did not check my credit online. I can not attach any documents nor give any other information because I have none.