WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2016 Equifax indicates a payment made to my XXXX XXXX of {$130.00} and dropped by Fico Score by XXXX points. This is clearly inaccurate and the XXXX points should immediately be added back to my Fico Score. This complaint is against all XXXX Credit Bureaus, Equifax, XXXX and XXXX and also against any provider of this inaccurate FICO score information.
I tried ab out 5-10 ti mes to talk with someone from Equifax inc but I kelp getting a voicemail or a machine asking me for some information. On my credit report it shows that I have an open account with  XXXX  but on my   XXXX   report I filed a dispute with them and after 30 days it was removed but its showing up on my Equifax report which it should not be there cause my wife paid it thought a collection company called  XXXX   XXXX   XXXX   XXXX   XXXX  . I tried to talk with someone from the collection agency but they were not any good in helping me do something about this. In case you need their number its  XXXX . I hope you can do something to help me out to get this straighting out for me.
I faxed a debt validation letter to AR Resources on XXXX XXXX, 2016, asking to confirm XXXX has n't been violated. As of today 's date, I have yet to receive any information from AR Resources nor is this account denoted on my credit report as " CONSUMER DISPUTES ACCOUNT '', and both accounts are still listed on all XXXX credit reports. AR Resources has now violated both the FDCPA and FCRA. I contacted them today, XXXX XXXX, 2016 to see I could speak with the have these accounts removed from my credit as I have n't heard from them and their multiple violations in which I encountered XXXX of the representatives and I explained the reason for my call. She went off on me and hung up the phone. All before I was able to get her name. I called back over 12 times where the phone was deliberately hung up each time I guess they could recognize that it was my phone number. I believe this is in such bad practice as well as unprofessional.
I have been struggling with HSABANK since XXXX 2014. Their website does n't provide accurate information about account balance, beneficiaries, and does n't allow me to transfer to my investment account to manage it. Their so-called customer service is inept. Since this is an internet bank a non-functioning website is the same as if they were closed or out of business. They do not respond to information requests.
Ive recently contacted Equifax about the inaccurate reporting they have showing on my credit file asking them to remove these inaccurate alleged accounts they claim are mine. Equifax hasnt complied with the Fair Credit Reporting Act, they have not removed these inaccurate and unproven alleged accounts. I want to make the CFPB aware of Equifax willful non compliance in case I have to move forward with a civil suit against Equifax. 

To Equifax please delete these inaccurate accounts immediately. 

The alleged accounts are XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX.
XXXX is reporting a collection debt from Louisiana Recovery in the amount of XXXX. I sent a certify letter on XX/XX/XXXX. I explain this is not by debt. I did n't have any XXXX. 
XXXX responded saying this is my debt. 
I sent a certify letter to the collection agency Louisiana Recovery Service, asking for a itemized bill with a breakdown of the services rendered. 
This letter was sent on XX/XX/XXXX. 
As of today, I have n't received any communication in regard to the services rendered.
on XX/XX/2018 i received a call from carousel checks asking if i had order checks for my business. no was my answer. but they had already bill it for XXXX on XX/XX/2018 i received a collection notice for XXXX plus a returned check fee for XXXX.what is fraud since i never gave them a check. i contacted carousel checks and they would do what they to get this stop. in addition carousel checks send me 2 emails letting me know that they tried to contact TRS recovery service, inc., but where unable to speech to anyone.i called TRS recovery service, inc.all they is to get paid, don't care if it is fraud or not just want to get paid. on XX/XX/2018 i received my second notice. i have faxed all info to them now 2 times once on XX/XX/2018 and again on XX/XX/2018.this is fraud and they are holding my credit score in balance.this is one of those company that need to be stop or fined?
I obtained my annual credit reportXX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX todayXX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, Synchrony-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX  was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me?
PLEASE HELP!
_____________________________________________ Auto Dealers?
XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX _____________________________________________ Synchrony Bank Lowes XX/XX/XXXXAmerican Eagle XX/XX/XXXX Toys R USXX/XX/XXXXXXXX Dual Card XX/XX/XXXXWalMart XX/XX/XXXXOld Navy XX/XX/XXXX TJX CO Dual CardXX/XX/XXXX
I have no idea why they are calling me. I do not owe anyone any past due amount. They call every day ( sometimes multiple times each day. I do not talk to them, but when a human voice answered when I  picked up once, I told them I don't know what they want but I wanted the calls STOPPED and hung up on them. They continued to call.
Around XX/XX/2015 I opened this account. I made payments on time for a long time every two weeks. I had to get a divorce due to a XXXX marriage. I called them to work out new arrangements said they work with me and I was in no danger of getting reported to the credit bureau. They never reported all the payments I made on time. However without notifying me they reported me negative with XXXX. The fair credit reporting act states a creditor is suppose to notify you when it supplies negative info to a Credit reporting agency.
Equifax was compromised and therefore my private data has been leaked onto the internet. People can now steal my identity.
Capital One Bank is blocking me from using XXXX. It is illegal for them to block me..
Equifax reported in a response to the regulatory agency, CFPB, that they had investigated and found reporting to be correct, they lied. The lie is revealed with the truth, first of all, they did n't contact or investigate anything, instead they are playing the same game they always played prior to the CFPB, fight regulation, and oversight. The records provided within will clearly identify they lied in their response, and I want action, not just documenting but action against Equifax.
I am trying to apply for Public Service Loan Forgiveness ( PSLF ). I have been on XXXX XXXX in the Minnesota XXXX XXXX XXXX since XX/XX/XXXX.  Qualifing payments for the PSLF program started on XX/XX/XXXX. I should have reached the required 120 qualified payment at the end of XX/XX/XXXX. I have called Fedloan Servicing at least 3 times to have my qualifing payment histrory reviewed by an auditor. Each time I received differing numbers of qualifing payments. My employment certification shows I have qualifing service from XX/XX/XXXX through XX/XX/XXXX, which equals 7 years and 10 months. It also shows qualifing service from XX/XX/XXXX through XX/XX/XXXX which equal 1 year 3 months. I submitted a employment certification letter to verify my service from XX/XX/XXXX-XX/XX/XXXX. This should give me 10 years of qualifing payments. Fedloan Servicing has sent me letters stating I have 12 qualifing payments, 65 qualifing payments and 84 qualifing payments. Please see attachments. I should have 120 qualifing payments by now. I requested documentation showing my entire payment history broken out and which payments were considered qualifing payments and if any did not. To date, I have not received the detailed payment history I requested.
Equifax had a data breach that lasted from midXXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. 

On top of that, allegedly Equifax executives sold their stock in the company before the information became public which allowed them to cash out before the bad news came out publicly ( possible insider trading? ).
A check from the XXXX XXXX XXXX XXXX through JPMorgan Chase Bank out of XXXX New York cashed a check payable to me that was stolen. I 've contacted the bank but was given the run around.
A mod package was sent in XXXX ( see email attachment ) Sale date was set for XXXX. 
On XXXX Wells Fargo employee XXXX XXXX stated that a note on file deemed the account ineligible fore review and the call was transferred to the reentry team. XXXX stated that the documents were sent in and entered XXXX and that they need EIGHT days before the sale date to review the file and that they got the file SEVEN days before the sale date. 
California guidelines state 7 days are needed. NOT XXXX. 
Our office called Wells Fargo EXECUTIVE OFFICE. XXXX XXXX XXXX who did nothing to assist on the matter. She stated that she will request a reinstatement. The home owner DOES NOT HAVE THE FUNDS to reinstate. We called the executive office to get assistance with the documents that were there ON TIME. Instead no assistance was provided. 
It is very apparent that Wells Fargo would rather foreclose on the home than provide assistance. There is no tangible reason for Wells Fargo to REFUSE to review the COMPLETE package that was there on time. Wells Fargo is discriminating against the homeowner based on his age, race, ethnicity, marital status. We are demanding a fair review of the file or XXXX XXXX will assert his legal right and name Wells Fargo defendants in civil court.
I placed a stop payment ONLINE with Chase Bank. The check number is # XXXX and the amount was {$130.00} I placed the stop payment XX/XX/17 and paid the {$25.00} fee. 

Chase changed the check number on the account to # XXXX so they could get around the stop payment. My bank statement says they cashed check # XXXX, but the check returned to me still say # XXXX. I dont understand how that can be, and CHASE refuses to give me an explanation. First they blame the other bank, then they say I did not contact them soon enough. 

Now they say the reason why they cashed the check is because I had a XXXX amount for the check amount when I filed the stop payment online. However, it is impossible to do a stop-payment online at CHASE without a check amount. THey are lying to me and committing fraud in covering it up. I am stunned!
Tried to contact attorney on file, I even thought at XXXX point that maybe my sister opened this account illegally on me and I offered to pay however they never returned my correspondence. I just keep getting pre recorded messages that I need to contact them about an urgent legal matter with no option to push to speak to someone. Then I got notice to go to small claims court from another company but with the same credit card but it was the week after the holidays so I was n't able to make it to let the judge know this was n't mine so a judgment was made. Now I am being told I must pay over {$900.00} plus daily interest and appear in court next month or face a warrant. On the court documents there is no account info, no identification information other than a name and address and when I apply for credit I always use my middle initial unless it 's a store card because you are there and they use your photo identification for that.
The Credit Reporting Agencies are reporting a Chapter XXXX bankruptcy discharge, identified by " case number '' : XXXX, on their own conduct and behavior. I did not give the Credit Reporting Agencies any Prior Direct Consent to communicate this information on my private credit file. Further, Bankruptcy Courts does not report or attempt to report Items on a consumers private credit file. These actions are solely being done by the Credit Reporting Agencies and/or their Agents. 

The reporting of this information is also obscene and profane which lead to the natural consequence being abusive to me the consumer before and after reading and hearing this information.
On XXXX XXXX I was locked out of my Coinbase account due to changing phones. I sent in all of the necessary paperwork on that. It 's been almost two weeks and I have n't heard a peep from them. I have over $ 50k in the account and ca n't access it nor do I have an update from them at all. I 've sent emails repeatedly, tried calling to no avail, sent messages to their support on XXXX and XXXX to no response. They 've done nothing and have told me nothing while they are holding my money and not letting me sell or get my money off the platform. I do n't know what else to do.
I took out a XXXX credit card from Synchrony Bank in XX/XX/2018. One month later I started making my regular monthly payments of {$45.00} on the account. I always make my {$45.00} payments before the due date. I was finally able to get access to my account online on XX/XX/2018 when I found out Synchrony had recorded my birth day in error - once I put in the birth day they had, I was able to get access to my account. I was stunned to learn I was past due on my payments and had {$100.00} in late fees. I spent almost two hours with two different customer service agents trying to reconcile the late fees. They stated that, due to their billing cycle, I did not get credit for all my payments, so they said I was late on three payments. I am including my statements to verify I have made all my payments before the due date. I also have verification from bank on the dates these payments were received by Synchrony Bank. 

I have been penalized {$100.00} for paying early and my credit card shows I am behind in my payments, when actually I have been paying ahead of the due date. 

I am requesting removal of these {$100.00} in late fees.
XXXX XXXX, New Jersey XXXX department increased my child support payment amount by {$20.00} per month but did not make the change with XXXX garnishment operations. The result was a {$140.00} balance of which I was unaware. Probation indicated that the account is in collections on my credit report.
When checkiing my credit reports I noticed a collection from Cavalry Spv and XXXX with XXXX XXXX as the original creditor. This debt does not belong to me. I have filed a lawsuit against XXXX for ID theft and damages to my credit report. This collection account on my credit reports has caused added stress to an already unfortunate situation. I plan to have my day in court and sue for damages.
PNC ( a.k.a National City Bank ) does not address my complaint in the least bit of the aggressive appraiser they recommended and the gross negligence on their part. The lack of their due diligence is mind blowing and they took complete advantage of me as a consumer. When they sent foreclosure papers to me in XX/XX/XXXX I reached out to XXXX XXXX XXXX at PNC immediately and faxed her a letter giving them permission to contact me. I find it ironic that they say they ca n't contact me " due to a ceased and desist on record '' but on XX/XX/XXXX XXXX at XXXX I have a saved voice mail from XXXX XXXX XXXX who represents PNC Bank on my personal cell phone. I have since called both their desks and left voicemails multiple times and continuously sent faxes authorizing them to contact me and have gotten no response in return. I feel that they are jerking the CFPB around and me as a consumer because they know that there is gross negligence and a lack of due diligence on their part. I need your help CFPB on this please. Please advise as soon as possible. Thank you in advance. 

Respectfully, XXXX XXXX XXXX XXXX.
I submitted a public record investigation request to LexisNexis XX/XX/2018. I received a response more than 6 months after stating that the public record item was verified, only after sending a complaint XX/XX/2018. In my correspondence, I request the Method of Verification which LexisNexis did not give, in clear violation of FCRA. Additionally, they exceeded 30-day response requirements per the FCRA. They know this because I have a friend who had the same issue recently and LexisNexis in accordance with the FCRA removed the item in question
XXXX with XXXX XXXX XXXX at phone number XXXX is harassing third parties connected to me by constantly calling them to obtain my location information after they have informed her that they do not know any of my information.
In XXXX 2014 my mortgage company, Nationstar Mortgage LLC deducted XXXX mortgage payments from my checking account. I called them and told them I only authorized XXXX payment and to please refund XXXX payment back to me. On XXXX XXXX I was issued a check from Nationstar for {$1500.00}. I attempted to cash this check but Nationstar issued a stop payment on XXXX XXXX, 2014. I contacted them again and said since my next payment was coming due to just apply to the XXXX payment. This never happened nor do they acknowledge that the check was stopped from payment. I have been in contact with them for almost 2 years trying to resolve this issue. I was told my money was put towards principal instead of payment and that it would be corrected. My money was moved over XXXX times around my account. I am now in collections and owe over {$800.00} in late fees and still am getting the run around from their staff. I will attach a copy of the stop payment that they claim does not exist. I only want my account brought current, the fees taken away and my credit repaired as I have been paying high Intrest rates on car loans and such because of a poor credit score. Any help would be greatly appreciated.
An account with XXXX XXXX XXXX which should have aged- off of my credit report has apparently been sold and re-aged by Ability Recovery Services. 

I haven't had any contact with the original creditor or its ancillary.
I am in the process of getting a new home loan with PNC Mortgage. I have been waiting for loan approval for 65 days ( after conditional approval went through with no difficulties ). Further, the loan officer and processor will not answer phone calls or emails, and will not tell me a closing date. The initial closing date estimate ( XXXX XXXX ) came and went, and now I 'm out of my apartment and not in the new house ( essentially homeless ), living at a hotel and incurring costs and time off work. The new home builders are ready to close, as am I. 

PNC help lines will not respond to my calls, and I have caught them in lies ( through parallel communication with the lawyers doing the title work ) on a number of occasions. 

I know this probably is n't the right outlet, but at this point I do n't know what else to do. Continued hotel costs may put me at financial risk. PNC will do nothing to help me, and I 'm afraid that pulling out and going with a competitor will incur severe penalty fees. ( They have not discussed any of these steps with me throughout the process. ) Thank you for your time.
I opened my checking accout with a promotion coupon ( To summary : can get {$350.00} if {$10000.00} deposit and maintain 90days ) on XX/XX/2017 but havent received the bonus after timeline passed. I contacted HSBC and they said I have to contact the branch where I opened at. 
I contacted the branch. They said I have a history of opening/closing a checking account before so I am not eligible to get the bonus. 

However, the banker checked the history and proceeded when I opened my account. The banker ( I can give the banker information if you need it. I didnt enclose due to personal information ) confirmed that HSBC has no record of my previous checking account history in their system after researching it. 

If the banker would informed that I was not eligible for the bonus when I tried to open a checking account, I wouldnt open and wouldnt maintain my money there over 6 months so far.
I have filed ID Theft reports with the FTC.gov platform. In XX/XX/XXXX XX/XX/XXXX and and update in XX/XX/XXXX. In those complaints I informed Experian, XXXX and XXXX of a variation of my name as " XXXX '' and and address of " XXXX XXXX XXXX XXXX, XXXX XXXX Mi. XXXX '' was incorrect and it has been removed. But The XXXX XXXX XXXX continues to appear on my credit reports and this is a huge security issue. For the last time, Could you please delete the " XXXX XXXX XXXX XXXX. '' Address.