WillisBack/dataset-financial-user-claim huggingface dataset:
I have paid off several accounts and the credit reporting agencies TransUnion and XXXX  will not update or remove the derogatory information. The accounts XXXX  and XXXX  XXXX are both paid in full. Both agencies have been notified of the pay off and continue to report as negative. I've asked for several investigations and offered to provide proof of paying it off and they still report derogatory information saying they have verified it. But I have proof of payoff. Both accounts show pay off to XXXX XXXX and XXXX that's my bank account XXXX XXXX statement so you can see both accounts are paid off.
I'm asking that the 4 accounts on my credit report ( 1 ) XXXX XXXX XXXX XXXX {$5.00}, ( 2 ) XXXX XXXX XXXX XXXX {$4.00}, ( 3 ) XXXX XXXX XXXX XXXX {$0.00}, ( 4 ) XXXX XXXX XXXX XXXX {$0.00}, be blocked/ removed immediately in accordance with the FCRA if your companies can not provide me with physical documentation of these accounts. And upon your verification process/ investigation I would like to know the full details of the process.
Experian put an item on back on my credit after taking it off three years ago. Back in 2014 I disputed an Verizon item which got resolved then recently looking at my credit report I noticed it in the collection section on my report. How can something become resolved deleted then three years later just throw it back???
I have never been associated with any company named XXXX XXXX as reported in my employment data.
Mortgage loan XXXX was transferred from XXXX to Mr. Cooper on XX/XX/XXXX ( new loan # XXXX ). Loan was paid in full on XX/XX/XXXX. Letter dated XX/XX/XXXX from Mr. Cooper confirmed payoff was processed and that the release of lien will be submitted to the official recording jurisdiction. I called Mr. Cooper 's customer service to ask for the original {$100000.00} mortgage note but they indicated they only had copy, not the original document. I have been contacting XXXX customer service several times beginning in XX/XX/XXXX looking for the original mortgage note but they informed that Mr. Cooper received the original collateral documents upon the account transfer. In Puerto Rico, the original mortgage note is required in order to execute the corresponding deed of cancellation of mortgage before a Notary Public. This is the only way to cancel the lien created by the deed of mortgage at the Property Registry. Therefore, I have requested the original {$100000.00} mortgage note to both institutions but none of them have located the original document and so far I am unable to proceed with the lien cancellation. If this original {$100000.00} mortgage note has been lost, the cancellation cost will increase dramatically as it must be done at the Court.
Please know that I was not late on XXXX XXXX XXXX I wonder why Equifax, XXXX and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
On XXXX XXXX, XXXX I submitted correspondence to Synchrony Bank because of suspected fraudulent activity by the bank. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Synchrony Bank on XXXX XXXX, XXXX.
I have never been to Texas. I have never used XXXX XXXX. I have no idea what this is about, and Experian didnt do anything about it.
This refers to a credit card agreement with Chase ( Visa # XXXX XXXX XXXX XXXX ) on which I defaulted some time in XX/XX/XXXX. Since then, I have not been able to make any payments on that credit card. My account was closed and charged-off in XX/XX/XXXX. In XXXX XXXX, Chase forgave this debt, and issued a XXXX C form confirming cancellation of the debt. The form indicates that my debt was cancelled pursuant to a decision or policy to discontinue its collection. 

Despite cancellation of this debt, Chase continues to report to credit reporting agencies the total amount of indebtedness as still outstanding. My understanding is that if a debt is forgiven, it can no longer still be owed. In fact, when completing income tax return, I was required to report as income the forgiven debt amount. 

In recent weeks, I have made an inquiry with Chase and requested that they correct the content of their report to the credit agencies to include the fact that the debt has been cancelled and is no longer outstanding. I even provided them with a copy of the XXXX XXXX To my confusion, they responded that the total indebtedness is still outstanding
Equifax failed to adequately secure my personal information, financial information, and credit history. Through negligence in their computer security, they allowed criminals to access all of this information and use it to make fraudulent charges to my credit cards. As a result of their negligence, I have had to spend considerable time working with the fraud department of XXXX XXXX, researching damage to my credit, and placing fraud alerts on my credit reports. I have also had to make international telephone calls to resolve the fraud, as I am currently overseas.
I filed a Chapter XXXX bankruptcy in XX/XX/XXXX. I paid it off and it was discharged XX/XX/XXXX.  None of this information is on the reports of Experian, XXXX  or XXXX. I am trying to get a home loan and the lender says it can not give me a loan with this information missing from the credit reports even though I provided the documentation to them.
Equifax froze my credit report without my permission or request. They will not unfreeze it unless I provide a special identification number which I do not have because I did not request the freeze in the first place. I need my reporting unfrozen so I can apply for a credit card and there is no way I can get Equifax to do it. 
My name is XXXX XXXX XXXX. SS # XXXX. My address is XXXX XXXX XXXX XXXX, XXXX, NY XXXX my email is XXXXXXXXXXXX. My phone number is XXXX. 
Please help.
Good afternoon! I am writing today regarding Citizen 's Bank. I had a personal student loan that I took out sometime prior to XX/XX/XXXX. In XX/XX/XXXX, my husband and I fell on hard times and filed bankruptcy. After the discharge, all of my student loans contacted me and made arrangements for payment. I have been paying on these student loans faithfully for over 6 years. I had many loans, and I lost track of which investors were to be paid. The only company that never contacted me, ever, was Citizen 's Bank. I was not even aware that I owed them any money. In the past 6 years, not once did I receive a notice of payment in the mail, in an Email, or a phone call. I have had a personal account with them for many many years. Last Friday, XX/XX/XXXX, Citizen 's Bank went and took every penny that I had in my account. I am now in the rears with them due to bill paying online, and have several checks that are going to bounce. I understand that they have a right to do this and what occurred was completely legal. I first thought it was a fraudulent removal by someone who may have copied my debit card. When I called the bank, I was informed that the money was taken to partially cover a prior debt with them from years ago. I explained that I have checks out in the mail to pay my utilities and other such bills. I also explained that I have no money left to feed my daughters. I informed them that I was never notified of the debt, or I would have made arrangements. I also informed them that if they placed some of the money back in the account, I was 100 % willing to cooperate and start a payment plan as I have with all of my other student debt. They were unwilling to assist. At this point, I am not sure how I am going to afford gas for my drive to work. They disregarded anything I said and were not helpful at all. Like I said above, I understand that they had a right to do this, but to be so unwilling to work with someone, and to have not provided at least some form of contact for payment in the last six years is in my mind immoral, unethical, and cruel. I don't know if you can be of any assistance or not, but they really put me and my family in a terrible position and I am not sure what I am going to do. We live paycheck to paycheck, and my husband is on unemployment at this time. Taking {$1700.00} is enough to put us in a predicament that we may not be able to dig out of. Thank you so much for taking the time to hear my voice. I appreciate it.
XXXX XXXX reported that I opened a credit card account with them on XX/XX/18 which is a very generic date ( people don't get everything done on XX/XX/XXXX, so this date is obviously fraudulent ). I've never done any business with XXXX XXXX and when I disputed this information with Experian TWO TIMES they did not remove the account from my report even though I didn't open this account. I have been given no proof that I opened this account, probably because I don't didn't, and any proof would thus be fraudulent.
Franklin American Mortage Company did not pay our county taxes which resulted in late fees and penalities. They assured us that they would cover the cost of the fees, but in addition to their check they took the money out of our escrow account resulting in the county being over paid. The county refunded Franklin American Mortgage ( our money ) and now they are refusing to reimburse us the funds that were mistakenly removed from our account. We 've been working to resolve this since XX/XX/XXXX, which had resulted in over a 10 phones, countless hours of our time wasted and extreme frustration. Every call we make to them results in poor customer service and a belittling attitude -- not one person there has taken ownership to resolve this issue!!
Equifax is reporting an account from XXXX XXXX XXXX that is in my father-in-laws name on both my wives and my credit report. This has been going on for over the course of 5 1/2 years that we have known about. We have sent multiple request to them through the course of this time along with letters from XXXX XXXX XXXX XXXX stating that neither of us are on this account. The most recent of these communications to Equifax was XX/XX/XXXX when we were in the process of refinancing our home. We were told that is was resolved and never heard anything back, but then on XX/XX/XXXX we were told that this account is still reporting under my name. 

This account continuing to report on my credit report from Equifax has prevented me from being able to obtain credit as we are trying to get a home equity loan.
We have a security freeze on our credit files with all three credit agencies to prevent identity theft. When we want to apply for credit we lift the freeze temporarily for 30 days. Transunion has created XXXX credit files for both of us because they are too lazy to actually lift the freeze when they are requested to do it. The main file with our full history has a good score. The duplicate file has almost no credit history and therefore produces a low score. Instead of actually lifting the freeze as requested and sending out the full file, they send the duplicate that has almost no information. It produces a low score and has resulted in us being denied a refinance on our home mortgage over the last two years with XXXX banks. This has cost us over {$1000.00} in application fees and thousands of dollars in higher interest payments. Credit agencies have our social security number and should not be allowed to maintain more than one credit file per a single social security number. In other words they should not be allowed to create a new credit file just because accessing the correct full file would be a little extra effort due to the need to lift a credit freeze. It took me two years of countless inquiries to learn why my credit score would be reported so much lower than normal range when the banks requested it during my home loan application process.
On XX/XX/XXXX, I made an online ACH payment through the Chase Bank website for {$500.00} on my XXXX credit card. According to Chase, 2 minutes after my {$500.00} payment, they claim that I requested for my account to be enrolled in auto pay of my entire balance each month. I did not authorize this and I had no idea that they did this. On XX/XX/XXXX, Chase made an unauthorized ACH withdrawal of {$3700.00} from my XXXX checking account. I contacted Chase and told them that this was fraudulent and they not only denied me but they hung up the phone on me. They did send me a new credit card as if they thought it was compromised. Then, I called XXXX who told me that they had to investigate the complaint. At this time, I was traveling on XXXX military duty and my Wife and Kids were traveling in XXXX Florida. We were all left without access to our own money because of the issue and it has cost us money ever since. Since this has happened, I have made complaints with the Florida Attorney General and the XXXX XXXX County Sheriff. Please help.My leaning lesson is that ACH withdrawals are not protected the same way that credit card and debit card withdrawals are covered by federal law.
XX/XX/XXXX credit card was used without my knowledge or permission, amount in dispute was {$4700.00} ... ..contacted the ccc, informed them of misuse, the card numbers were comprised..the card company wrote the charges off and my credit score suffered badly ... .forward to XX/XX/XXXX, in one week I receive three ( 3 )  letters from companies wanting payment ... .The companies are as follows : XXXX XXXX, XXXX XXXX Phone # XXXX -- -XXXX XXXX XXXX , XXXX, SC. phone # XXXX ... -- -- and Resurgent Capital Services, XXXX, SC -- phone # XXXX -- -- - The CCC wrote the charges off, and I suffered bad credit scores and now being asked to pay a wrote, discharged {$4700.00} ..a year later ... I can't believe this is lawful in any way ... ..harassment of senior citizens ....!!!!
I have been contacted by Core Recoveries, LLC, which claims that I owe {$70000.00}. They will not state what this debt is for, and I have routinely indicated that I do not owe any student loans. Without debt verification or validation, I can not get them to correct their records. The date of the letter is XXXX XXXX, 2016. Since utilizing the CFPB complaint process, I have had a non-existent loan transferred to XXXX different collection agencies, none of which want to produce actual documents. This process is not working at all and has damaged my credit in an unimaginable way ; now I have credit entries from XXXX collection agencies, and my " student loan '' entries have ballooned to more than XXXX. My credit report is XXXX pages long. The more I work to correct these erroneous and fraudulent listings, the more the situation expands exponentially. I do not owe on, nor did I ever take out any student loans. I do n't know how much more simple this can be, but for some reason, the more I state it and write in about it, the more collection agencies become a part of my life. Their letter threatens 15 % wage garnishment, " without having to bring action in Federal Court. '' No matter how many times it is stated that this is illegal, these debt collection agencies do not cease these practices. I live in the state of California, so I know that they are also violating the XXXX Fair Debt Collection Practices Act. Nevertheless, nothing is being done to stop these agencies.
XXXX/XXXX/XXXX - Macy 's issues branded credit card to consumer. 
- Purchases using special discounts that were offered if the card was used on the same day ( that the credit card was issued ). 
- Macy 's issues a statement for the above purchases with a due date of XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX - Account paid in full per the last statement issued on XXXX/XXXX/XXXX. 

DECEPTIVE AND ABUSIVE PRACTICES Although consumer paid the account in full based on all information provided by Macy 's / Citibank on their monthly statement, Macy 's / Citibank continued to accrue interest from the date of the last statement. 
Macy 's / Citibank is engaging in unethical practices on two counts : 1. Macy 's entices its customers to apply for its branded credit card by offering instant approval and a discount for purchases made the same day the card is issued. What it does n't disclose is that it issues a billing statement on the same date that the card is issued and the first purchases are made, which guarantees most customers will miss the first payment. 
XXXX. Even though consumers may pay in full based on the last statement provided, Macy 's / Citibank intentionally accrues interest in a deceptive manner that guarantees the account will never be paid off, resulting in exorbitant service fees and other charges. Specifically, by the time the consumer receives a statement, even if the consumer immediately pays in full, a small interest charge has already accumulated. The predatory aspect of this is that Macy 's / Citibank relies on the consumer 's reasonable belief that s/he has paid off the account in full. Macy 's / Citibank 's subsequent interest and late charges amount to deceptive / predatory credit practices.
Recieved a letter from XXXX XXXX with ARA Inc. Stating that i owe a debt for a bank account with XXXX XXXX Bank which ive never held an account with.
My debit card had an unauthorized charge by XXXX which caused the account to go negative. Bank of America immediately hit me with a overdraft fee. First I called XXXX, their customer service people quickly admitted the error and issued a refund which would take 2-3 days to process. I then called Bank of America, they said they would n't do anything until all the transactions posted then they would refund the overdraft fee and remove it from my records. So I waited until then, I have since called them three times, once I was on hold for so long I gave up, the 2nd time I kept getting bounced around different people. One dept says since it was n't technically a fraudulent charge they ca n't do anything, another dept says they ca n't do anything because they state that this in fact a fraudulent charge and the other dept needs to issue the credit. The 3rd time I was hung up on by the employee.
Terminated/canceled refinance without my knowledge after signing closing documents. Now have left me high and dry without a way to resolve. Was berated by the " manager '' and was called privileged and fortunate for using there company. Missed 2 payments because of them and the way they have done business.
AFFIDAVIT OF TRUT H 1 > b ank of america has NEVER responded with a timely valid response   2 > bank of america continues to commit felony crimes 3 > bank of america makes contradictions on their response 4 > bank of america makes threats on their recent response 5 > bank of america fails to show a valid lifetime contract with me 6 > bank of america fails to show VALIDITY of ALLEGED debt after over 10 complaints!!!!!
7 > bank of america is using fictitious names numerous times with is a FELONY and a 1,000,000 fine and up to 15 years imprisonment 8 > bank of america sends me a statement, a statement is not a TRUE BILL!!!! buy a dictionary!!!
9 > to this d  ay  XXXX   XXXX    XXXX  , bank of america can not VALIDATE an alleged debt and commits further crimes and CAN NOT AND WILL NOT RESPOND!!!    10 >  bank of america makes presumptions, and sends me their rules and regulations, I didnt sign it,, and the account has been closed for over 7 years now, and they still try to use methods of threats and extortion to obtain money of an alleged debt!!! clearly criminal activity, show me tangible evidence of a  LIFETIME CONTRACT!!! they cant do that either, they can not respond wit h any validity ON ANYTHING, so as the law states ; silence is acqueecence silence is fraud silence is GUILT!!!     Now I must demand their bonding company and or insurance liability   carrier to file a lawful CLAIM FOR DAMAGES!!!
NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individuals name, or a ZIP CODE, against the individuals wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and i  s punishable by up to 15 years imprisonment and {>= $1,000,000} fine.
1. Opened last XX/XX/XXXX amount : {$19000.00} we see the problem XX/XX/XXXX
I called Midland Funding LLC on XX/XX/XXXX, I told them I could pay one amount and have the charge done. I offered to pay {$350.00} of XXXX. I was told the offer only stood for today. They kept telling me the account was in a " pre legal '' status. On XX/XX/XXXX, I told them that " pre legal '' meant nothing. They offered me a different amount of a settlement of {$500.00}. Then came back with {$470.00}. I asked for it to be sent in a letter, and I was told it was " only good for today. '' They refused to mail the letter. I said, that's against the law, you have to provide it in a letter if I ask for it. They wanted a date for the letter to expire. I said no. They refused to answer my questions. In addition, I asked for the recording of the call, and they said it couldn't be provided. This company is awful, and a scam.
I contacted the local store before I submitted a request to open a secured card with wells fargo. I asked the branch worker if my card will graduate to a unsecured card within a year. She assured me that it would. It has been 16 months and my card is still a secured card. I have reached out to the executive consumer department and they keep giving me a run around because they said I opened the card online. I did but it was based on the pretense of the information I received from the branch. This is ridiculous, I am trying to find out exactly why the account did not graduate. The only thing they keep telling me is that its based on the overall interaction with the company. Since I have opened this card my account has never been late and I haven't had a bounce check or account in an overdraft status. This is a ploy for this company to keep consumers money. I have asked for details explaining this and have yet to receive an answer.
Equifax obtained my personal information and failed to keep it secure, allowing hackers to obtain access to it. Equifax then failed to disclose this information for weeks. I recently was the victim of identity theft in which thieves accessed my bank accounts. It is unclear if it is related-there is no way to know.
The inquiry made by Factual Data on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
Please help me to get this business to delete the inacurrate and unverifiable inquiry from my credit reports immediately.