WillisBack/dataset-financial-user-claim huggingface dataset:
Inaccurate account information is reporting on my credit report. Account number XXXX from XXXX XXXX for {$580.00} continues to remain on my Transunion and XXXX  report after several attempts to dispute it with with both credit bureaus. This account was disputed and deleted from my XXXX  report on the dates of XX/XX/XXXX, XX/XX/XXXX.  I have documentation to verify this. 

Which means that it was added back to my account twice illegally under a different amount, {$580.00} without any notification.
I was a member of XXXX XXXX since XX/XX/XXXX as l was employed by XXXX XXXX XXXX XXXX XXXX and since l retired on XXXX XXXX on XXXX XXXX Lifetime in XXXX.California. 
All Medical visits was paid by ex employer XXXX. 
XXXX XXXX in California has sent me to collections and ruined my credit and scores with XXXX.XXXX and XXXX. 
XXXX has me in collection for {$180.00} with interest and charging me interest of {$8.00} each month l do n't pay. 
I had a Medical number with XXXX California # XXXX. 
I am on XXXX XXXX Lifetime and Retired. 
I am on Prescribed Medications for my XXXX XXXX.
I previously had a Home Depot credit card through Citibank. I used it a few times and paid off the balance and then didnt use it in the past year. Unexpectantly I recently received a bill from them and it appears they have transferred debt from my husbands business credit card to my account. My husband 's business has had difficulty and he has some credit cards he has not been able to pay. However his business debt is not my debt - I use my money to pay the mortgage and food bills. I tried calling the Citiback but they want me to give them my phone number, SS #, or account # just to answer my questions about the letter they sent me. I am not willing to give them any of my information as then they will give this information to their debt collectors. How can I resolve this quickly and easily. I am willing to file a lawsuit because creditors seem so evil these days. 
thanksXXXX
A debt validation letter sent certified XXXX/XXXX/16 signed for on XXXX/XXXX/16. Americollect sent return ltr on XXXX/XXXX/16 of a name acct # and a balance # and a statement that does not match alleged creditor name or any doc bearing my signature. Americollect did not mark any credit reports disputed within 30 days of signed receipt of my dispute. I sent a XXXX registered ltr to Americollect on XXXX/XXXX/16 and they signed on XXXX/XXXX/16. They responded with a letter stating they, verified, and validated my dispute and my letter now is deemed frivolous or irrelevant and will not be looked into. After 60 days Americollect have not marked disputed on my credit reports no anything with my signature validating that this belongs to me. I have copies of my credit report on both XXXX/XXXX/16 and XXXX/XXXX/16 showing not disputed.
New personal checking account was opened with Wells Fargo approx. XX/XX/2018. And before I had even received my debit card I received Retirement  Account account information that had been opened in my name by Wells Fargo without my knowledge or authorization. I contacted Wells Fargo to close the unauthorized retirement account and they told me that the retirement  account must remain open for 7 years as per IRS law even though I did not open it, as per customer care representative " XXXX ''. To this day Wells Fargo has refused to close the retirement  account even though neither me nor my employer opened the account, and representative XXXX from Executive Offices informed me, " I shouldn't be concerned since I am not being charged for this account '' and he also refused to close the account. 

In addition, due to my concerns with Wells Fargo first opening a retirement  acct without authorization and then next refusing to close said account, I attempted to close my newly opened personal checking acct. I made 5 written requests via online web portal and 2 phone requests to close my checking account. On my first phone call I spoke to a representative and he informed me that he could not close the account himself but that he completed a Customer Care Form and forwarded it to the dept who could close the account. However, after several days the account is still not closed. When I contacted by phone Wells Fargo Executive Offices on XX/XX/XXXX, customer services representative XXXX told me I could not close this account by phone since my account has been opened less than 30 days and since I only had XXXX cents they could not generate a cashiers check to me. She informed me the only way to close this account is if I went in to a Wells Fargo branch or if I wrote a letter to Exception Payments in Virginia. Again, refusing to close this account. 

So my issue is 1 ) Wells Fargo opened a retirement  account without any authorization or request either from me, or by the employer who sponsors the employee retirement account, and then 2 ) Wells Fargo refuses to close the retirement acct saying it must remain open for 7 years as per IRS law, though they could not tell me what that law is exactly. and now 3 ) Wells Fargo says they can not close my personal checking acct by phone because it has been open less than 30 days and only has XXXX cents in it. The service representative could not inform me of a minimum amount that I would need in my account to close it by phone and so they could send me a cashiers check for remaining balance. But she could tell me that he computer screen is saying that XXXX cents is too low to generate a cashiers check so that I can close the account over the phone. 

I am beyond livid with Wells Fargo and I want any and all accounts they have open in my name to be immediately closed!!!
In response to my complaint, case # XXXX, Bank of America responded with the statement " In regards to your monthly statements, the section labeled " current payment due '' demonstrates the currently monthly charges without late fees ''. This is false. Please have Bank of America explain to me how they came up with the amount {$1200.00} under " current payment due '' in the statement period XXXX/XXXX/2016 - XXXX/XXXX/2016 without including any late fee.
Illegal Re-Aged Account : When I disputed the account through Experian in XX/XX/XXXX XXXX XXXX XXXX re-aged the Account. The credit report dispute shows the date of first delinquency to to be XX/XX/XXXX. XXXX XXXX XXXX has reported this negative for 9 years so far. The other Credit reporting agencies removed the account, Experian has not.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX & XXXX I received a notice alert on my credit file telling me that I had an account opened under my name. I have two months worth of credit history and I have no clue where the account of XXXX XXXX appeared on my credit file and I am puzzled as to why this is appearing on my credit file. I have sent several certified letters to your company and I havent received any response yet. I have sent in letters to your company on XX/XX/2018. Its been more than 90 days and theirs still no response I dont know what the problem is. I have distressed and this is causing a major problem for me and my life. Being that this account isnt mine and its on my credit its affecting me tremendously and I believe that this fraud. I am disputing the accounts internally and I expect to see this account removed or else I will take legal actions towards your company if you dont remove this fraudulent account off of my credit file. I have contacted the creditor but I havent gotten a response at all so I want to know as to why this account hasnt been removed. I am only allowing 3-5 days.
I had a charge on my account that was disputed. It was found in my favor. The credit card company issued a refund and I closed the account with a credit owed me for over payment. The sent the check to me account closed. A month later they started calling saying I owe the money after they credited my account. I do not owe the money and the call several times a day at all hours of the night. I had told them to cease and desist numerous times to no avail. They are harassing me and threatening me. I am XXXX XXXX XXXX and afraid Thanks.
I ALWAYS pay my credit card bills IN FULL plus some amount to cover estimated charges between bill issue and payment. Chase VISA does not make interest income off my account except when they can manufacture a " gotcha. '' On XXXX I paid Chase {$7500.00} for XXXX Visa charges. Because I was going on an extended business trip XXXX, I pre-paid my XXXX Visa bill of {$8500.00} on XXXX. The gotcha? Due to " billing cycle policy '' I was charged {$180.00} late fee " because no check was received in XXXX. '' So, after forking over {$16000.00} to Chase Visa in XXXX, {$8500.00} in PRE-PAYMENT, I receive a late charge for XXXX.
I am a victim of a parked debt bought by a debt collection company. The problem is the company is reporting the debt as open recently, it 's not. This is illegal and that 's the reason for my complaint.
All complaints are in regards to Navient. 
- Navient does n't process my payments correctly, resulting ( only sometimes ) in late fees. But always in annoying XXXX wake up calls from their automated system. The payments are made the same way every month, automatically. There 's no reason some payments are n't processed. 
- Occasionally, XXXX ( the platform I use to pay my bills ) will be triggered by Navient to prompt me into entering a specific address to send my particular payment to, in order for it to process correctly. There is a list of XXXX some odd addresses to choose from, and all of them are similar. ( Eg : XXXX XXXX XXXX XXXX XXXX, XXXX MA / XXXX XXXX XXXX XXXX XXXX, XXXX, MA / XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO / XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MA / ETC ) This is deliberately deceptive, and clearly done in an attempt to mislead people from being able to make their montly loan payment properly. Additionally, the " correct '' address is only available if you have a physical Navient bill in hand. That information is not available on the website. 

- At some point my loans were consolidated and split again. As such I make two payments to Navient each month. XXXX loan is only for a few hundred dollars, on which they charge me a {$12.00} " convenience fee '' to pay them at all. So the charge to pay down a {$900.00} loan in their system involves paying a recurring {$12.00} fee each month for no reason. A fee I also pay when I make my other loan payment. 

That seem right to you?
On XX/XX/2018, I sent a letter to Capital One Auto Finance to dispute information they were reporting on my credit report about an auto loan I had with them. They responded to my letter by sending me a print out of payments they say I made to them. However, according to the Fair Credit Report Act ( FCRA ), they were also supposed to report to the credit reporting agencies that a notice of dispute be placed on my accounts within thirty days, which they failed to do. On XX/XX/2018, I sent them another letter advising them that they did not comply with the FCRA by issuing the notice of dispute. I then checked my credit report on XX/XX/2018, and they still had not put the notice on my accounts.
I 've never enrolled or paid for services with a Company by the name of XXXX XXXX. All of a sudden there was a collection account on my credit report stating that XXXX XXXX, XXXX I opened up an account with them and then never paid. They 're saying I owe them {$63.00}. I 've tried to contact them and let them know I 've never been a customer or ordered service with them and I have never received any mail correspondence stating that I was a customer and that I had a balance. I have n't received any help from the company or received in anything written in the mail showing that I signed up for service and had a bill. I 've also had an issue with identity theft in the past and went to court with the credit bureaus to rectify the errors. Everything was cleared up in court and it says on my credit report XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. I have n't applied for anything since then so I do n't know how this could even be possible to be my account. Not only that, but I would have paid {$63.00} if it was owed. So this is why I 'm contacting the cfpb for help.
I learned that Navient was reporting student loans that I have no knowledge of to credit reporting agencies. This was first brought to my attention in XX/XX/XXXX by a bank, when I went to attempt to purchase a home and on XX/XX/XXXX, I checked my credit and saw a huge drop in my credit score caused by Navient ( amount of $ XXXX ) in addition to XXXX the bank made me aware of. On XX/XX/XXXX I contacted Navient and after providing them my address and phone number, found out there were apparently several different phone numbers tied to my social security number/account. Navient stated that I had co signed 5 different student loans with disbursement dates of :XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX( {$2000.00} ),  XX/XX/XXXX ( {$3500.00} ),? XXXX ( {$4000.00} ) and XX/XX/XXXX ( {$7000.00} ). They informed me that these were private loans and that I signed a promissory note that I know for a fact I DID NOT SIGN. I had no knowledge of these loans and have loans ( XXXX XXXX ) with the Department of Education. Navient informed me that the outstanding balance to date was $ XXXX and has reported a total of over $ XXXX to the credit bureaus in addition to reporting late payments of 90 days past due, yet informed me that last payment received was inXX/XX/XXXX. I am in need of assistance. I have requested their promissory notes and was informed that I should receive them within 7-10 days. All information provided ( loan account number, dates, amounts, etc. ) in regard to this loan was information I obtain when I contacted Navient.
I am currently banking with Chase bank. I last used my card on XX/XX/XXXX at a XXXX parking meter in XXXX New York, in the balance of {$1.00} each transaction. There were a total of two transactions. That would also leave me with an available balance of around {$2700.00} or a little under {$2800.00}. Chase does not clear any debit card checking account transactions until days later after showing in pending. With that being said, it shows as if my transaction was made on or after XX/XX/XXXX. I realized on XX/XX/XXXX that my debit card was missing when in store getting ready to pay for an item. I contacted Chase immediately to file a missing card report. I was asked about my last transaction and at that point was notified by a Chase representative that some purchases were made after my last reported usage. I was transferred to Chase fraud department where I filed a claim. I was told that my claim would take up to 5-10 business days. I waited until that XX/XX/XXXX XX/XX/XXXX to call Chase to follow up on my claim. I was told that day around XXXX to call back in two hours as Chase banking system was down. I was speaking to a Chase representative, a young man in XXXX. I told the rep I would definitely call back in two hours. I called back around XXXX and was told by another Chase representative, another young man that my claim was denied the day before on XX/XX/XXXX. I asked why and he told me that two checks were deposited on the XX/XX/XXXX, the same day I claimed I last used my card and I needed to show proof that it was not me the account holder that made such deposits. I asked how could I show proof if I had no idea my card was missing and that I did not make those two check deposits. One check in the amount of {$370.00} and another of {$290.00}. The rep told me that I would have to fax over proof that I did not make those deposits. Not sure how I was suppose to do that, but I signed into my online account and pulled up my bank statement to view the transactions and to view the checks that were deposited. I had my statements printed and highlighted charges that were not made by me and the checks that were deposited, front/back and faxed to the number provided. I also noticed that both checks were not made out to me the bank account holder. They were made out to a company called XXXX. Spelled just that way. One check was mutilated and my signature was forged. I do not sign my signature that way. The other check had 3 different dates on it and was not signed at all. I was puzzled as to why Chase would allow these checks to clear and more over, how were they deposited. Electronically or in person. I was notified on XX/XX/XXXX by email from Chase once again that my claim dispute was denied even though I faxed over the proof. Chase also did not let me know how they came up with that decision. I wanted to know if they looked at cameras for stores where purchases were made and also if they saw cameras for where these checks were deposited. And if not deposited in person, what device were used to make these false check deposits. Chase fraud department could not give me any answers. I was just told that my claim was denied.
XXXX Re your inquiry for more information, i have been unable to contact you by telephone as i get a constant engaged tone! i have been trying since XXXX GMT i believe the time there will be around XXXX, if there is any thing you wish to know about my problem with the Bank of America i have email correspondence, if you can please tell what information you need by email my email address is the same as i have on the complaint if you would rather speak to me direct send me a contact number so i can call you back XXXX the last complaint about paying the reboot costs has a date for completion this is the XX/XX/2017 it is then if i can not find the final amount {$300.00} my funds will be confiscated the funds are at a rough guess about XXXX, i have no problem paying the reboot costs as there is plenty of money held in my account in the Bank of America on its not here in the XXXX, as i am in deep debt trying to pay all the costs needed all these are completed but i still can not transfer any funds my account manager XXXX has pleaded with the directors about my hardship yet they are holding on to my funds, this would not happen in the XXXX we have laws and rules that apply to all banks with in the XXXX, the treatment of bank customers are in front of any needs of the bank, yet to me the Bank of America have their own agenda to upset and take money that is not theirs to take and the treatment given to some one like me is in my case terrible and that telling you with out swearing!! so like i have said any thing you wish to know i will reply tho i hope its be email by the persons dealing with my complaint,, thank you for contacting me XXXX
Experian is not correcting my credit report. 
I have sent letters, and documentation on all of this to them, as well as proof I have paid off all my credit cards. My credit should be around XXXX or higher I currently work for XXXX, Not XXXX XXXX. I currently make XXXX
Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all   XXXX   credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by   XXXX   XXXX   that my score has been declining, and the accounts we 're opened without my consent. Inaccuracy, Fraudulent, major errors  XXXX  1.   XXXX   XXXX    XXXX  accounts 2.   XXXX   XXXX   3. SYNCB/JCP 4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX     XXXX  1.   XXXX   XXXX   2.   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX  accounts   XXXX    1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3. SYNCB/JCP 4. SYNCHRONY BANK 5.   XXXX   XXXX   6.   XXXX   XXXX
As per my last discussion with XXXX, in regards to my last CFPB complaint i was advised there was nothing else that could be done on Discover 's end and i would have to address my concerns with XXXX, Therefore I spent an hour with XXXX, to be referred back to Discover in regard to this issue, as they were unable to locate any collections filed against me, nor have a process for customers to dispute the way they 're fido score is reporting with as credit card benefit. As I trust there is truly no issues with my XXXX  credit report, I am still determined there is an unresolved issue on Discover 's end with the reporting of the Fico score. I have contacted Fico in which i was instructed to have the files matched to reflect each other correctly. I tried to bring this up to their attention, I was assured there is no process in which this could be done. As i understand my last request was in regards to the APR request being declined due the " suppose '' information being reported on my credit file. I am beyond this request as not i do n't feel its fair practices as a customer to receive this benefit, however it being in accurate information. I understand Discover does n't know whats being reported and is only given the information from their third party. However I feel there should be a process for them to ensure the Fico score they are providing me is correct and they are just not taking their third party " assurance '' it correct. The last time I contacted discover, I provided them with a copy of my credit report for their review, when in reality i was turned away to received the run around for information Discover is only able to see.
It has recently come to my attention that XXXX and Bank of America are actively discriminating against customers based on lawful firearm-related business activities. As a Bank of America customer and a tax paying and law abiding American, I expect to have access to the same financial services as other law abiding citizens. The Constitution protects United States citizens, and Bank of America and XXXX discrimination is against the law. Considering the sizeable tax funded bailout given to these corrupt financial institutions, I can not fathom how they could think that this would be acceptable. I demand action by our government to uphold the law.
nationstar is trying to steal my home they have absolutely no standing to do so they dont send me statements i have a right as a consumer to know what my balance is i requested payment coupons more tha n ten times i found out that not one mortgage payment could reduce the principal they created a false balance sheet to look like my payments were reduced actually if i paid that loan off in entirety i could never get a clear title to the property or no person on this earth could get one also they committed fraud upon the court both state and federal federal because they forced me into bankcruptsy when they claimed they owned the mortgage and they never did i have about 80  pages of supporting documents to support what i have been saying this has taken a big toll on my life i had a rare  XXXX   XXXX  last  XXXX  and just went to my  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  week she wantedt know why numbers are not good she put me on several medicines to take i just dont care to take them anymore thanks for listening somebody has to stop this criminal bussiness not with fines in the millions thats nothing to them they have already stole that from their customers i mean billions and bring felony charges against their ceo   XXXX   XXXX