WillisBack/dataset-financial-user-claim huggingface dataset:
I have filed several disputes with XXXX, XXXX, XXXX and CFPB regarding Toyota Financial Services inability or refusal to report my payments accurately. Each time I file a dispute/complaint they remove on time payments from my report and they now say no data. This has greatly impacted my credit history and score. At this point, it feel retaliatory. Across the three major reports XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 on time payments are not being reported with variances. Some reports have three payments missing and some have 2. They sent a long letter a list of payments of my last complaint and that still is not fully resolved. The same situation exists. Across the three reports, they have different two months reporting late between XX/XX/XXXX and XX/XX/XXXX or XX/XX/XXXX and XX/XX/2018. As I stated, I feel that this is retaliatory. Ive have contacted them directly and filed numerous disputes over several months. It is exhausting and time consuming. More importantly, it is adversely impacting my other credit. Account limits have been decreased or I can not move toward a goal due to score not being reflected properly for missing payment information.
Basically someone stole my credit and I was homeless at the time and they served my mom with paperwork to go to court .. I never got the paper work I sent them a letter asking if they could validate the debt they never did.. So I have this credit hit on my account and cant get it off because they lied and court saying they got a hold of me they said they sent me a validation of debt and they never did. When I talked to the guy on the phone he said he was going to go after me till I was XXXX.
Back in XX/XX/2011 we purchased a XX/XX/2011 XXXX from the dealership. The dealership lied about the contract and stated that I would be a cosigner and I actually ended up being the owner and my daughter the cosigner, who had that time had no credit. The dealership inquired XXXX hits on my credit score. I had received an auto loan with Capital One. My daughter and I both lost our jobs and we fell on hard times. The first time the car was repossessed we borrowed money and we paid a little over {$4500.00} to get car back plus added fees that they had added on. At that time we told them that we were still unemployed and the Capital One representative explained that in order to work out another deal we would have to let the car go in default and that we only owed around XXXX. Before the car got repossessed they refused to work out an affordable payment as they had my daughter paying XXXX every week. We lost our place and became homeless and we were sleeping in our car. Recently the car as been repossessed and they have added on over XXXX dollars in fees and they are threatening to sell our vehicle and it has been paid off we are now paying fees that they keep adding on. The car is paid off and we have requested that the dealership send us the original contract so we can prove to Capital one and they can render us our vehicle. I am getting the original contract and I will submit my the proof that I came up with over XXXX to get my vehicle back the first time and there were a ton of fees included in that as well as the letter they just sent me which was all fees over XXXX XXXX in fees. We have paid so many fees to Capital One during our XXXX and the XXXX has been paid off!
Capital One has committed fraud due to false advertising. 
They say the have comparative annual percentage rates, but that is simply not the case! 
XXXX, XXXX, and XXXX all have rates lower than Capital One. Still, they have not offered me a valid justification of their continued practice. Why have they not been fair and honest about that? Therefore, I am charging Capital One with corporate greed, due to deceptive advertising and falsifying information. Also, their customer service personnel overseas, refer to themselves as either XXXX or XXXX from the XXXX. How can that be when they are thousands of miles away from the United States? Can I get an explanantion for that? I have stated to Capital One employees time and again, that I prefer to speak to someone in the United States.
I have been dealing with a bank called XXXX XXXX which is through my school, XXXX XXXX XXXX. Someone got my card number and pin number and used it. I called the bank and advised of the fraud. I sent the paper work they sent me but before they received anything from me ( because I was told by the bank my paper work was Never received ) they denied the claim. I sent an appeal letter and is been a month no one has contacted me. I have been told many times someone from the fraud department will call me. I finally did receive a call where as soon as I picked up the call disconnected. The second call someone name XXXX leaves a phone number and a extension XXXX XXXX. I was able to call and leave a message. When I called again suddenly the extension is invalid. 
I called the bank today spoke with a supervisor who told me Fraud Department has recently changed how they handle disputes.Suddenly they no longer take calls, all calls are handle through the Escalations Department. I was told this is a recent change. All they will tell me is whatever is on the account they will let me know when I call of any updates or they will send something in the mail. It has been over a month of course there has been no updates.
I had an inaccurate tax lien placed on my credit report. I have a letter from the lien holder stating that it was completely wrong and should never have been placed on my report. I sent the letter to the 3 credit reporters. 2 of them have removed it. Equifax will not remove it. I have sent it to them 5 different times. It is also past the 7 years that it should have just fallen off and still it is there. Any way you can help me with this??
This morning ( XX/XX/2018 ) I was notified by XXXX XXXX that there was a hard inquiry on my XXXX credit report from PayPal ( shows up as SYNCB/PPC ). I did not apply for credit through PayPal or authorize any kind of credit check from them. I tried calling PayPal, but they have no record of an a credit account so they couldn't help me. I want this hard inquiry taken off of my report because I didn't authorize them to check my credit for anything and it's negatively affecting my credit score.
I had fraudulent charges on my XXXX. I contacted the company about the charges, they removed them and issued me a new card with a different number. About a month later I had fraudulent charges again. I contacted the company again. They removed the charges again, and they offered to issue me a new card with a new number. I told them that I wanted to close the account, since I had had fraudulent charges twice and did not feel the card was safe. They told me that the account would be closed. That was in XX/XX/XXXX. In XX/XX/XXXX, I received notification that there were new charges on the closed account. It turned out to be a recurring payment that had forgotten to stop. I payed the bill, since the charge was authorized, but called the company and asked them once again to close the account and not to let any more charges go through. It is now XX/XX/XXXX. I received a phone call from XXXX today saying that I owed money for charges on my account. I told them that I paid off and closed the card in XX/XX/XXXX, paid off and closed the card again in XX/XX/XXXX and would not be paying them again. They said that they would credit my account for the amount, and that I would not owe them any money. That is fine, but I still need them to close the account. They said that they would, but I do not believe them. I am concerned that my credit score will be negatively impacted if XXXX continues to neglect to close the account.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX ( Equifax : XXXX XXXX : XXXX ), Unknown Name ( Equifax : XXXX  ), XXXX XXXX/XXXX XXXX ( Equifax : XXXX   XXXX : XXXX XXXX  : XXXX  ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ), XXXX XXXX/XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ), XXXX XXXX XXXX ( XXXX  : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX  ), XXXX XXXX ( Equifax : XXXX : XXXX : XXXX XXXX : XXXX ), XXXX/XXXX  ( Equifax : XXXX  XXXX : XXXX XXXX : XXXX ), XXXX/XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX ).

Thank you
Capio partners recently reported two accounts to my credit report from XXXX. Both accounts is in the amount of XXXX and they both have the same date of X7. First of all, I was under the impression that the debt was written off since I applied for financial assistance and was approved. Secondly, this debt collection agency never contacted me via phone or US mail in attempt verify this account or collect the alleged amount owed. By law this agency was supposed to contact me regarding the account, given a right to dispute and validate the accounts before reporting anything to the credit bureau per the Fair debt collection practices act, neither of which they have done.
On XX/XX/2018 I a toll by mail toll booth on the XXXX bridge. I never recieved any bills by mail. On XX/XX/2018 I recieved a collection letter from Transworld systems requesting {$110.00}, {$17.00} for the toll and {$100.00} violation fee. I called Transworld to dispute this charge. Today I recieved a letter from Transworld stating dispute is resolved and that I do owe {$110.00}. 

My dispute is with XXXX XXXX XXXX XXXX for not sending any bills. I have tried to contact them directly to no avail. 

I have gone through the same toll booth on two additional times,XX/XX/2018 and XX/XX/2018. I have not recieved any bills. My fear is that I will be receiving additional collection letter from Transworld in the future.
in XXXX of this year, XXXX our loan was once again sold. we were previously accepted by XXXX XXXX for a modification in XX/XX/XXXXXXXX with no notification were sold to Shell Point Mortgage. we have been working with the XXXX XXXX XXXX of XXXX XXXX with a contact of XXXX XXXX. she has multiple times along with myself reached out to shell point for assistance in litigation department. months after the purchase we were given a point of contact finally. all paperwork was sent over and over again and sent to underwriting. the income was not correct, they had an old employer never included the profit and loss income and when questioned only apologized and asked to restart all over again. we complied. resent all current paper work. each time we send in new paperwork, something else is now needed. for the last 4 weeks myself and XXXX reached out to shell point to find out where the modification stood. no response. when finally onXX/XX/XXXX shell point finally reached out, they said because three weeks had past we again needed to update. they said that they were affected by the floods in texas and were unable to contact us. on XX/XX/XXXX i resent updated documents, once again no contact back. when we finally spoke with someone after leaving 3 messages, on XX/XX/XXXX XXXX days after last contact, not only were the updated income needed 2 forms now were also in need of resending that were on XXXX on recorded line told to us were in tact and accepted.not once in any of this time were we told about a sale date or sent documentation of this. today on XX/XX/XXXX there was an auction. we are to be homeless, we have tried to work with this company along with the attor. general office to modify this loan. given the hardship we faced with no intent of them ever working back with us. all we want to do, is modify the current loan and keep our children safe. please let us know how we can do this.
I work for a commercial cleaning company. Part of my job is to deposit checks into the companies business account and write checks to pay some of the employees. I was added to the companies business account as a signer so I can do my job. One day I go to make a deposit into the account and the teller at Chase Bank tells me that the account is restricted. I then ask to speak to one of the business banker to see what 's going on. The business banker did nothing at all to help. All she said was call the XXXX number on the back of the card. Just poor customer service. I called the number to see why the account is restricted. The Chase representative I spoke to told me that Chase can close any account at any time with no explanation or legitimate reason. When we escalate our complaint to Chase 's executive office, they tell us that Chase does n't want me as customer and in order to keep the account open the company I work for must remove me from the account. Chase openly engages is discriminatory business practices. I did nothing wrong to deserve this kind of treatment. One week after Chase mailed me checks for the business and a debit card, someone else at Chase decided to close down the account if I am not removed as a signer. Maybe they do n't like my XXXX name. They wo n't provide any of us with a reason why they are closing the account. All we were told was that no reason or explanation has to be given and that they can close any account anytime they want. Total abuse of power.
Saw a debt on my XXXX Credit Report from XXXX LHR Inc stating that I owe {$760.00}. The number is a non-working number but according to the report it was apparently an account opened with XXXX in XXXX. I contacted XXXX and verified that I never opened an account with them in XXXX. It would also have been impossible to open an account with anyone at that time since I was in XXXX training without any access to any media/internet/phone etc. It also states that I am making payments on this account but I am making no such thing. I would like this taken off my credit report as it does not belong to me.
I've made several attempts to ensure I did not miss my due dates : XXXX/XXXX  payment methods does not allow multiple auto payment schedule dates. ThIs company Website only allows one payment schedule per month. This practice leaves customers/consumers open for miss payment and incurring late fee payment. Thus increasing the debt owed and the balance never ending. 
Calling customer service only credit one late payment fee. I was just recently been able to set up an additional auto payment with my bank 's new-bill pay option. This has caused me to make two monthly payment per month. I want to them to facilitate my & everyone 's payment options like other financial institutions allow. 
Below is a breakdown & actual bill statement also attached Please note the following. 
XXXX {$25.00} payment XXXX {$25.00} payment & XXXX {$27.00} late fees* XXXX {$27.00} payment XXXX {$25.00} payment XXXX {$27.00} payment XXXX {$25.00} payment = note I established two separate  payment option in XXXX for XX/XX/XXXX paymen & I still received a late fee in XXXX. 
XXXX {$25.00} payment XX/XX/XXXX {$25.00} payment XXXX {$37.00} LATE FEE XX/XX/XXXX {$25.00} PAYMENT XXXX {$27.00} LATE FEE XXXX NO PAYMENT XX/XX/XXXX {$27.00} PYMENT XX/XX/XXXX {$25.00} PAYMENT XX/XX/XXXX {$27.00} LATE FEE CREDIT FOR XXXX XX/XX/XXXX {$27.00} PAYMENT XXXX 27 LATE FEE 10 You will notice two payments made per month. This was established with my personal banking instituion to set AUTO PAYMENT to avoid late payments & its late fees. Since XXXX and I havent been back to However I was not able to go back to the CREDIT=XXXX/XXXX  TO STOP MY MONTHLY DOUBLE PAYMENT.Since this insititution does not accommodate multiple schedule on their website. Now I'm paying this bill twice. In as much as my debt with this institution will end faster. I am on a tight budget and can not afford to make double payments. 

I've establish the two bank payment due to XXXX/XXXX not allowiing multple payment dates thus causing me to miss scheduling a payment on time.and incurring late fees. i established the second bank bill pay option to avoid late fees in XXXX. In XXXX i received a late fee. 

Please this account is causing me undue stress and can very well be affecting my credit score due to their outdated payment system. as I attempt to make all my outstanding bill monthly payment on time with auto pay until my balance is paid in full.
I have recently tried to fix my credit. There was a collection of {$99.00} that XXXX XXXX XXXX XXXX said that I owed. It was sent to RSI Enterprise collection agency. It went against my credit back in XX/XX/XXXX .... It is now XX/XX/XXXX, and I found out that my insurance paid it, so I disputed it on ALL 3 Credit Bureaus. The Bureaus declared it was paid, so they removed it from ALL 3 Bureaus. 2 days after the Bureaus removed it from my credit, I got 3 more bills from the collection agency saying I now owe a 1 ) XXXX bill, 2 ) {$98.00} bill, and 3 ) {$19.00} bill, that totals {$130.00}. I haven't received ANY BILLS from this collection agency since XX/XX/XXXX or so ... .I haven't been to that doctor since XX/XX/XXXX. How can the collection agency pull NEW BILLS out of the air. I believe it is fraud, but can't prove it
On or about XX/XX/2017, my husband and I visit XXXX XXXX XXXX in XXXX, Texas to purchase a vehicle. We explained to the sale man, XXXX that we only wanted to have our credit run ONCE due to going through mortgage process. The finance gentleman explained he ran our credit with XXXX XXXX. 

We have since discovered our credit was run FIVE times. Twice with the same company. We have attempted to reach the dealership to discuss but to no avail. Multiple messages have been left with the owner/general manager, XXXX and the Sales Manager, XXXX. Neither of which will respond. 

Multiple inquiries were NOT authorized for this transaction. Our credit was run with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Further the Finance Manager, XXXX stated the inquiry was only a SOFT inquiry. When infact, all of these inquiries are hard inquiries and effecting our credit.
Essentially I dont have the funds available for room and board and I essentially borro0wed enough to deal with this issue and nothing is being done about it in fact i feel my civil rights have been obscured.
This judgement was satisfied and still showing open on my account. I request this account to be closed and satisfied. This information is hurting my credit report.
the information that appear on my credit report was an identity theft. I also sent to you the police report that clarify what was happened. your investigation is not complete, according to the law. it should be remove and corrected immediately.
My issue is that I shouldn't have received loan offers in the mail, nor be engaged. I was desperate for a short-term loan but I needed a little more than 200 or {$300.00}. Big picture loans had been soliciting to me via the post mail for several months and my husband was going out of the country. The interest was ridiculous, but we had a plan.. I would use my XXXX bonus check to pay off the loan early. Unfortunately, we got unexpected expenses while my husband was traveling and I could not pay it off. 

I could not get a big enough tax refund to pay it off. After seeing how much money I have paid I started to feel like I was almost done paying it off but I have barely paid anything towards principal. XX/XX/XXXX I received {$920.00} loan and as of XX/XX/XXXX I have paid XXXX for interest and {$26.00} for principle. 

I knew this was a huge rip-off but because they are a tribal based company I felt like I made a deal with the XXXX and that they could legally rip people off if they wanted to. 

I started researching the company and seeing if there were any class actions against them that I could sign up for because I was tired of paying so much money just towards interest. 

Well I found this company is not legally license to operate and loans to Washington State residents. I was being solicited to, at my Washington state home, since early XX/XX/XXXX. Washington State Department of Financial Institutions states that this company 's loan can not be enforced and all interest paid or fees paid must be refunded ( https : //dfi.wa.gov/XXXX  ) I am distraught at how much I have paid in 7 months, unaware that this company is not only charging sky high interest, but misleading me into thinking that they are above the law.
I have filed a dispute to have negative items removed that are wrong. I have documents that prove that the results and response of the company just bounce around the fact they have not done a thorough investigation. The basic results were stated, " They are right and you are wrong ''. There was no specific explanation of the investigation. On  XXXX   XXXX ,  2017  the dispute was initiated and on  XXXX   XXXX ,  2017  the investigation was completed with very little to say and no documented proof was provided. The incorrect account that has been reported has caused daily stress as it has caused me and my husband to apply for multiple loans while being turned down. This made it hard to get a reliable vehicle for work and transport our children. In addition, it will hinder us from being able to buy a home. Lastly, the accounts in question have already been removed from my husbands account and the accounts are joint accounts.
XXXX abused me as XXXX and promised to delete the negative report if the account paid in full. The account was paid in full on XXXX/XXXX/2015 {$250.00} and it still shows as in collection. I want my negative report to be removed as promised since I was abused from the XXXX credit bureaus. XXXX, XXXX and XXXX
After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the CRA 's and the creditors and requested removal of UNAUTHORIZED INQUIRIES, but I was denied. I stated that I am a victim of identity fraud and have a fraud-alert posted to my credit files on all ( 3 ) major CRA 's, but they still would not remove the inquiries.Here are the inquiries that were not authorized by me : XXXX - 1.XXXX XXXX (XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) EQUIFAX - 1.XXXX XXXX ( XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX) XXXX - 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3.XXXX ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5.XXXX XXXX XXXX ( XX/XX/XXXX ) Please dispute these inquiries or  contact the reporting agency and request removal of these unauthorized inquiries.
BETWEEN XX/XX/XXXX I HAVE REACHED OUT TO XXXX, EQUIFAX AND XXXX  TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH EXPERIAN DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs for the remainder of the victims lives. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

I never authorized equifax or any credit agency to store my data, track my data, or sell my data. Now they have exposed me and millions of others to a lifetime of identity theft and possible financial ruin. This is unnacceptable and needs a strong response.