WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX closed my checking account XX/XX/XXXX which I thought was only for a negative balance. I later find out they closed my account for fraud which Ive never committed. The account balance was {$38.00} which I paid on XX/XX/XXXX. I talked to multiple representatives at XXXX XXXX XXXX on XX/XX/XXXX and not one could pull up information about fraud being committed. I completely understand that my account may have been closed due to a negative balance, but Im being reported for something thats completely inaccurate. Fraud and insufficient funds are 2 total completely different things. After trying to resolve the issue I spoke with XXXX and Early Warning trying to get the issue taken care of. I spoke with a representative at XXXX on XX/XX/XXXX and told him my issue how Im being misreported as fraud. He basically told me he knows and XXXX XXXX XXXX risk department reports EVERYBODY as fraud even if they havent committed any type of fraud and if I dispute its a waste of time because XX/XX/XXXX works for the banks not the people. He later told me also if I wanted it removed I would have to wait 5 years or pay {$400.00}. I then called Early Warnings about the situation and they told me to file a dispute which I received the documents in my email XX/XX/XXXX. This entire time Ive been misreported and its completely unfair to me because I cant get no type of Bank accts. All of them see me as fraud when Ive never done such a thing. I paid the {$38.00} that I indeed owe and I just want things to be done fairly. Yes I owed on a negative balance, no I didnt commit fraud. I called XXXX XXXX XXXX risk department today ( XX/XX/XXXX ) to see if they updated XXXX and Early Warnings so I could pursue getting me a new account with a better bank who doesnt just reports every account closure as fraud. The lady told me even though I paid, this account will stay reported as fraud until XX/XX/XXXX. I then told her that Ive never committed fraud and its reporting inaccurately. She told me that I shouldve filed a claim after the account was closed. I wouldve indeed filed a claimed if the account was closed to fraud, but I was under the impression that my acct was only closed because I had a negative balance of {$38.00}. Nobody at XXXX XXXX XXXX can tell me how I committed fraud but theyve reported me. This is completely unfair and its causing unnecessary stress in my life because Im being reported for something that I didnt do. XXXX and Early Warnings are working with the banks so its basically 3 against 1. Ive never committed fraud and XXXX XXXX XXXX is violating my rights. I demand some type of physical or legal proof showing I committed fraud, if not I need this misreported information removed immediately. Its at the point now where its affecting my daily life because I cant get another bank acct anywhere. If theres no proof where I committed fraud, I need to be removed from XXXX and Early Warnings immediately. Like I stated earlier, having an negative account and committing fraud are 2 completely different things.
I noticed a collection on my credit reports in  XXXX    XXXX   for  XXXX . I had cancelled their service and returned the equipment so I was not aware of any debt owed to the company. I do not recall receiving any kind of correspondence from the company but learned in  XXXX  of this year that they had turned my account over to Receivables  Performance Management for collection o f {$400.00}. I contacted  XXXX  shortly after and requested verification which I never received. While speaking to the customer service rep, I asked if I paid the balance they said that I owed would they remove it from my credit reports and I was told that they would. Because I wanted it off of my credit report, I started making {$100.00} payments directly to  XXXX  since they explained that they would instruct the collection agency to remove the debt upon full payment. I paid over the course of 2 month in {$100.00} increments until the balance was paid in full in  XXXX . I was told o n 3 se parate occasions that upon payment in full that the collection would be removed from my credit reports upon the request of  XXXX . This information was given to me twice by customer service reps on  two  separate occasions and once via chat with a  XXXX  rep. I paid under the belief that they would do what they said they would. I even refused a settlement offer from the collection agency because I was told that the account had to be paid in full. Once I made the final payment, I contacted  XXXX  regarding the removal request and was told by a very rude customer rep that they would not instruct the collection agency to remove the collection off of my credit reports. I asked to speak to a supervisor but was denied repeatedly. No one ever returned my call, although I requested it. I then attempted to contact someone at the collection agency. I sent an email explaining the situation and provided a copy of the internet chat transcript between the  XXXX  rep and I but the issue was not acknowledged. I think it is unfair for  XXXX  to secure payment under false pretenses. I paid under the assumption that once it was paid, it would be removed. I was never provided with any information validating the debt although requested and my attempts to resolution to the problem was ignored by both the original creditor and the collection agency. Validation was finally offered after I had paid the amount they said I owed by buy this time it was useless since I had already paid the debt.
XXXX Equifax & XXXX  are reporting accounts that I have no knowledge of.
My wife and I sold our home in XXXX and closed onXX/XX/XXXX. During this process we packed up and moved to XXXX in XXXX. We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right? My wife and I decided we wanted to buy a new home in XX/XX/XXXX, In doing so the lender ran our credit reports only to find that Ditech reported us 60 days past due for the months of XXXX and XX/XX/XXXX. How could this be we paid off our mortgage in XX/XX/XXXX. After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in XXXX. The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested Ditech to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at Ditech with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue! Ditech has yet to return any of our calls. Unprofessional to say the least!!!
Experican refuses to remove the duplicate accounts on my credit report from XXXX XXXX XXXX after being provided proof of duplication.
XXXX XXXX, XXXX amount of {$7700.00}. I have disputed and sent XXXX, XXXX  and TransUnion copy of court document showing that case under XXXX XXXX, XXXX was dismissed and I am to pay nothing. I also sent a police report
I cant talk to Capital One on XX/XX/XXXX pertaining to my payment on XX/XX/XXXX theyre saying that my payment was returned to see if that the funds from my bank that is incorrect because number one when they got authorization on XX/XX/XXXX they received authorization code I spoke to a young lady and I asked her I said well you are processed my payment did you were did you not receive authorization code she said yes so she proceeded to go on she know what she was talking about so I asked her to give me till supervisor so when I asked him I said well you are processed my payment on the XXXX did you or did you not receive authorization code he told me that they did not receive authorization code so I asked him who was XXXX him a XXXX he was very rude very nasty and told me they were talking to him anymore I can hang up the phone I would just try to rectify So at this point I want to have a siccation shell be done and I want all phone calls to be poured that took place on today and XX/XX/2018 XX/XX/2018
I have been making numerous attempts to have Capital One validate this account that 's on my credit report. Every time I send them a letter of validation I receive generic and automated responses via postal mail. This account is reporting erroneous information and I want it removed from my credit report due to lack of validation as stated in the Fair Credit Reporting Act section 609 ( c ) ( 2 ) ( e ) and 611 ( a ) ( 5 ). Since the CRA 's along with Capital One can not validate this account it must be removed but neither parties involved are following the federal laws that are put in place.
This account is not being reported on my XXXX  credit report and there are several 30 day late payments that are not accurate. Being that the account is not reporting on my XXXX credit report, it leaves me to believe there is some kind of internal error as well with the late payments.
I have a credit card account with XXXX and it is report as 30 days late, this account was never paid late.
Attorneys for XXXX XXXX XXXX sued XXXX XXXX in XXXX County Court for an debt owed to XXXX XXXX XXXX XXXX. The debt was settled amicably in said Court on XX/XX/XXXX. A clearance of the debt and all relevant information was immediately forwarded to Credit Bureaus XXXX, XXXX and Equifax.

XXXX  and Equifax have failed or denied all attempts mark debt accurately.

Several more attempts have been made to clear this matter, including direct calls to bureaus representatives, to no avail.

As of XX/XX/XXXX, Bureaus XXXX and Equifax still advertise the debt as outstanding and late.
I have been a XXXXe XXXX for the past 12 years. I recently contacted my student loan provider, Navient, regarding the XXXX XXXX XXXX XXXX and informed them that I have fulfilled my XXXX qualifying payment necessary to have the remaining balance forgiven. Upon doing so, I was informed that while my loans are consolidated, they are not the correct type of " consolidation '' that qualifies. I was informed that I could, however, " re-consolidate '' my loans and start the process all over. And, in 10 years have my loans forgiven. I feel I was given bad information and I have never heard nor been informed of any " special '' kind of consolidation process to qualify for the XXXX XXXX XXXX XXXX. Furthermore, ALL of my loans are federal loans which were consolidated upon graduation from XXXX University during the winter of 2004. Even more troubling is the idea that if such a requirement exists, it was not relayed during my eixt interview or when I began making my initial payment 11 plus years ago.
Followup to CFPB case # XXXX As stated in the attached XX/XX/18 letter from Wells Fargo, XXXX rewards points were to post by XX/XX/18 for redemption. As of XX/XX/18, the points have yet to be posted.
I received a call from Performant ( phone number XXXX ) on my cell phone at XXXX on XXXX/XXXX/16. He requested I provide personal information, at which point I said I do not give out personal information to someone I do n't know. He listed off my address which I verified, and then he requested my date of birth, to which I again replied that I do not give out my personal info to someone I do not know. I then stated that if there is personal business they have with me, to mail me some documentation and I would respond accordingly. He said " OK Have a great day '' and hung up. 

9 minutes later, I was forwarded a call on my business phone from a coworker from the same exact person. He once again asked for me, at which point I interrupted him and told him that we had just spoken and that he needed to mail me some documentation before I would give out any personal information. I also told him that if I receive any more calls prior to receiving documentation, I would be getting my attorney involved. 

I have no idea what kind of debt they are trying to collect on. I was n't even mad after the first call. What I became upset about is the fact that I informed the gentleman that I needed documentation before I could respond to anything, and less than 10 minutes later, the SAME PERSON is calling again on a different phone number. That, to me, constitutes as harassment. And considering I have no idea what this company is trying to collect, it is very upsetting that they would not honor a simple request of sending me something in the mail.
On  XXXX   XXXX ,  XXXX  my mother  XXXX   XXXX   XXXX  died. At the time of her death her personal assets were held in the  XXXX   XXXX   XXXX   Revocable Trust  and this trust was managed by her. In the event of her death the  XXXX   XXXX   XXXX   Revocable Trust  named myself, her son,  XXXX   XXXX   XXXX  as successor trustee. As successor trustee of the revocable trust I am authorized to handle all of her assets of that trust including collecting payments and operating her bank account for the benefit of her beneficiaries and creditors. I attempted at the local branch of  Huntington National B ank to withdraw the funds presenting them a copy of the trust ; they refused to acknowledge the trust and froze the checking account At the time I had no problem with this decision and busied myself with my mothers affair.   At a date approximately 45 days later, I became aware that my mother had a savings account and that the total amounts in both accounts held by  Huntington Ban k were in exess of  XXXX , I again presented the appropriate documentation and Huntington Bank again refused to acknowledge the lawful exercise of my rights as successor trustee.   I was told that only when an executor was appointed  by Probate Court would the funds be released. Under Ohio Law I am under no obligation to file in probate court given the existence of the revocable trust. The trust qualifies as an estate and the successor trustee as executor. We opted for the revocable ttrust because a t the time of my father 's demise, predatory financiers attempted to defraud my mother of her property and we embroiled in costly litigation and criminal investigations for 5 years.   I then drafted a letter to the  Legal Department of Huntington National bank outlying my concerns and requesting that if they did not comply with my request, to  give me just cause in writing. When after approximatel y 3 wee ks, I had not heard from them, I resent the second letter and it too was ignored.   I contacted the  XXXX   XXXX  of Huntington Bank on  XXXX   XXXX  of  XXXX  and requested to be put in contact with their legal department. The personnel refused to honor my request and claimed it was the bank 's policy not to give out the phone numbers of their legal department. huntington has unlawfully closed to m e every avenue of acces s to collect the funds.   I have a lawful right to have my position as successor trustee of the  XXXX   XXXX   XXXX  Revocable Trust acknowledged as executor of the estate created by that trust or be given a response in wr iting why Huntington Bank refuses to do so Any help you can give me I this regard would be appreciated. Enclosed is copy of the letter sent to Huntington.
I have a banana republic credit card ( through synchrony bank ) and they added on a card security fee. After reviewing my statements over the past several months I noticed that I 've been charged a fee for " credit security. '' I do n't recall ever agreeing to this fee.
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. 

Bankruptcy chapter XXXX-dismissed Reference XXXX ( XXXX, XXXXx, Transunion ), Bankruptcy chapter XXXX-dismissed Reference XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX XXXX Account # XXXX ( XXXX, Transunion ), XXXX XXXX XXXXXXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX Acct XXXX ( XXXX, Transunion, XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( XXXX, Transunion ), XXXX XXXX XXXX XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( Transunion ), XXXX Acct XXXX ( Transunion ).
i been dealing with this company not blocking fraudulent accounts and public records from my file for the past almost 3 years as i been going through identity theft. i have sent them countless numbers of official police reports and i also have attached a copy of my FTC fraud identity affidavit which includes every company that i know of that someone used to steal my identity i cant even move forward in my mortgage process for my family because they are also reporting XXXX public records that was filed in error under my name. It 's XXXX bankruptcies XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX those need to be removed permanently immediately. i have only filed bankruptcy one time which is XX/XX/XXXX. All these errors on my credit report is stressful and depressing and me and my lawyer is thinking of filing a lawsuit for emotional distress due to all this untrue information on my file. it 's hard to even live or get a job with all this identity theft. I demand that all accounts and public records be blocked immediately or i will proceed with the lawsuit against this company in the amount of XXXX dollars. i have disputed all these items several times and nothing has been done. I have never had a phone account with XXXX never filed bankruptcy in XX/XX/XXXX or XX/XX/XXXX those are filed in error under my name. i have attached a copy of all the information that this company asked for and told me that all this information including the public records would be blocked. I do n't see how they are investigating these items when the companies that im disputing are sending me letters saying they are removing these items but this company still wo n't update my report and let me live a regular life it 's very frustrating and they are breaking federal laws in the process while hurting me and my family.
Unknown company checking credit known as XXXX , XXXX. 

On XX/XX/XXXX, I received a XXXX XXXX  letter which provided notification of application denial of credit which was conducted by XXXX XXXX XXXX XXXX dealership in XXXX Tennessee. In addition, XXXX XXXX  representative advised that XXXX is scheduled to Experian. The letter specified that they have four credit bureaus which they derived information to XXXX XXXX. These are the following credit bureaus which they have either received information from or request credit information from XXXX , XXXX, XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. In early XX/XX/2018, upon telephone contact XXXX XXXX denied any knowledge of XXXX , XXXX and referred all questions to XXXX XXXX dealership. In early XX/XX/2018 upon initial telephone contact, the representative XXXX customer service advised that XXXX was not used and they have no knowledge of the company known as sagestream. However, they confirmed this information was listed on there denial letter.
Sierra Finances calls my relatives every single day. Each time disclosing all my personal business. They call my XXXX year old grandmother everyday and try and scare her into giving them my number, which they already have. Hey called me on yesterday at my jib4 times in a row. I have already told them I am not allowed calls and to cease and desist. I told her again yesterday and she over talented me and told me that is irrelevant. She just kept talking on the line that my manager was on listening to my personal business. She also talked to XXXX different people before me and was told I can not receive personal calls.
I have discovered a collection account on my XXXX credit report from Commonwealth Finance, with an original creditor of XXXX of XXXX, for a total of {$710.00}. I have not received any notification of said balance from either the original creditor or collection agency, nor do I have any verification of said outstanding debt. Further, this appears to be for services rendered in VA. I live in TX.
XXXX XXXX threatened he would seize food stamps that me and my sons receive to live.
I met XXXX XXXX at a networking event where he was soliciting mortgage applications. I asked him to look into potentially financing a rental property that my domestic partner owned and sent him information regarding my domestic partner, XXXX XXXX ( I have a power of attorney for her and she authorized me to act on her behalf in this transaction ). She owns a rental property that has no debt on it and we were interested in obtaining a conventional mortgage loan on it. I was very specific that we did not want to have her credit report pulled unless XXXX XXXX felt that she would be able to obtain conventional financing ( her situation is unique and I did not think that she would qualify and explained to XXXX XXXX all the concerns I had regarding underwriting ). He assured me that he could get it done and pulled the credit report. He subsequently got busy with other clients and stopped answering my followups for one month. He then answered one additional email and again stopped responding to me for another month. It has been over 3 months and XXXX XXXX has completely failed in his customer service in the basic answering of emails and phone calls. This is irrespective of whether he can actually obtain a mortgage, he simply can not and refuses to answer emails and phone calls. This is the most unprofessional real estate professional I have dealt with in my entire life.
XXXX has reported XXXX late payments on my credit report that are incorrect. I paid onetime every month using their online payment system. I have disputed the information accuracy with equifax and it has came back verified.I was not given the name or physical documents showing how any information was verified. I need the XXXX late payment entry that are reporting incorrectly removed.
I have contacted all three credit reporting bureaus numerous times about this issue. I have also filed a complaint with you about this before. As of this date this has NOT been resolved. I have letters from XXXX and Experian both that as of XXXX-2017 they have once again placed a FRAUD ALERT on my credit report. I am also still having problems with XXXXbout this same issue of placing FRAUD ALERTS on my credit report. I have NEVER and I repeat NEVER requested these FRAUD ALERTS be placed on my credit report. I have contacted all three XXXX, Experian and XXXX and constantly requested that they remove these FRAUD ALERTS from my credit report. I have had NUMEROUS conversations with them and been assured they would remove the FRAUD ALERT but THEY ALWAYS place another FRAUD ALERT on my credit file without my requesting that it be done. 

I am about ready to contact an Attorney as well as the Better Business Bureau to file a lawsuit and a complaint against each and everyone of them. 

I want these UNREQUESTED FRAUD ALERTS TO BE PERMANENTLY REMOVED FROM MY CREDIT FILE. 

XXXX XXXX