WillisBack/dataset-financial-user-claim huggingface dataset:
My Wife and I lived in an apartment that became to expensive to live in once I lost my job. We had never signed a lease to stay at the property listed and were just staying month to month. When we found out that we could n't afford to live there anymore we were notified we could n't stay and we moved out within the designated period. We have since had a XXXX dollar collection put on our credit reports with two of the three bureaus. We do n't owe that money because we were not in the place long enough to have that amount accrue and because we never signed a lease in the first place.
I have been in the process if trying to buy a car. Once I was denied I pulled my credit report. Upon pulling my report I saw numerous accounts that did not belong to me. I was amazed and very saddened that the credit reporting angencies were able to report false information. I have tried and tried to resolve these issues with no good results! Please help! This has been an awful experience and no American citizen should have to go through it! The accounts on my report are XXXX XXXX XXXX ( Which reports twice! ) I have no knowledge if this debt! XXXX XXXX I have no knowledge of this debt! XXXX/XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX XXXX. I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX ( which reports twice ) I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! There are several unauthorized inquiries that are in authorized! They are XXXX XXXX XXXX XXXX, ( unauthorized ) XXXX XXXX, which reports twice ( unauthorized ) and XXXX XXXX ( unauthorized ).
COMMONWEALTH FINANCIAL SYSTEM HAS REPORTED ERRONEOUS INFORMATION TO MY XXXX CREDIT FILE CAUSING MY CREDIT SCORE TO DROP WITH THIS FALES INFORMATION AM TRUING TO MAKE A HOME PURCHASE IN THE NEAR FUTURE AND THIS WI CAUSE ME TO BE DEINED NEED YOUR HELP
i have written this company on multiple occasions asking them to validate this debt and they have not done so, I have reached out to the credit reporting agencies with proof that this debt has not been validated even at my request with certified proof of receipt, this company is reporting that I have an account with them in the amount of a XXXX dollar credit limit which I have never signed a contract with them for any account
Per new credit law on XXXX XXXX 2017 ; all public records that are missing or have invalid information would be removed and mine has not yet. Chapter XXXX Bankruptcy is still reporting on XXXX inaccurately.
I have contacted TransWorld Systems, 5 times to date via certified mail, they are reporting an unknown account on my credit as it relates to XXXX- I have never had service with XXXX. 

My concern, is that I was never initially contacted about the debt before it was placed on my credit and I have not been contacted after reaching out to them 5 times!!!
Ally is incompetent at every level. I paid {$80.00} for them to register my car. They said register it yourself out of frustration I did. I never got that money back. I had to go to the DMV 6 times due to wrong info from them. My daughter is in the  XXXX  and added undo stress. Because of their error it took 2 months to process. Now when I call it says they are trying to collect a debt. I have received a letter from them thanking me for financing it. I was also told by my processor a check was sent. Now when I call to add it to my online profile to pay it I keep getting bounced around. I just want to pay my bill! Ally 's lease department sends me to finance and finance sends me back to lease! Please I just want to spend my time with my daughter instead of dealing with this nonsense!
Despite paying {$1000.00} in interest between XXXX and XXXX, Dakota Lending still wants to charge an additional {$340.00} in interest on top of previous {$1000.00} I have already paid on a {$1100.00} loan. I offered to pay the loan in full, but they insisted on me paying the additional interest charge.
Over the past 4 months I have made several disputes with Equifax & XXXX regarding an fraudulent account being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
XXXX is stating the debt is still showing in my credit history. AFNI stated they have contacted the creditors to have it removed. 

Previous attempt to have it removed Case number : XXXX AFNI said : Explanation of closure On XXXX XXXX, 2016, Afni received tis complaint. This was Afni 's first contact with the consumer. In response, Afni initiated an investigation. On XXXX XXXX, Afni sent another request to the credit reporting agencies to remove the account from the consumer 's credit report. Afni trusts this has resolved the consumer 's concerns. Since the account is no longer in Afni 's office, the consumer should contact XXXX if he would like to discuss the account further.
I was notified by XXXX  on XX/XX/18 regarding an alleged debt being reported on my credit report from NCC Business Services. I have reason to believe I do not owe this debt because I was never notified by the original creditor or collections agency. 

I called to NCC Business Services on XX/XX/18 and spoke with XXXX XXXX who verified my name and date of birth. I also notified her when asked to verify my address that she had the incorrect address. However that I'd like to clarify that I am not acknowledging or accepting that I owe this debt. In turn I asked if her company was licensed to collect said debt in my state. In turn she responded that it was public record. I asked for the company 's license number and she refused. I then asked for a supervisor ; I spoke with XXXX XXXX who in turn would not grant my request. After a debate I paid the alleged debt. Only to find out that NCC Business Services is not licensed in Virginia to do business. Scc ID : XXXX has been revoked. 

No documentation showing that I am responsible for this debt, or a copy of any judgment ; was ever received. No documentation showing that they are licensed to collect debts in Virginia. 

I
This has been an ongoing issue ever since Navient took over my student loans in XX/XX/XXXX. I have been prior to that date religiously paying back my loans since graduation from XXXX University and began paying back my loans ( which is all in my records ). Without notice at sale of students loans from XXXX XXXX to Navient my repayment amount skyrocketed without notice from {$230.00} a month to over {$1000.00} dollars a month. Absolutely ridiculous. On top of that, they without my permission and after I revoke access to my checking account debited my account the amount of over {$650.00} dollars that I had my bank provide back to me. I had to shut my them out of my bank account to prevent them from stealing from me. I have reported them to the attorney generals office of NC and the BBB all of which has been unsuccessful. I have requested a lower payment plan, reduced payment plan after my wife was laid off at her job and just could not afford over {$1000.00} dollars a month in student loan repayment. Nor could we afford XXXX, XXXX or XXXX dollars in repayment. I could afford XXXX and after our hardship XXXX dollars and a needed forbearance which I could never be approved for based on my 'income ' which all the household bills I had were never taken into account. This 'business ' is a predatory bunch of thieves backed by the government and they need to be stopped. The fact that I have been paying on my loans since the year XX/XX/XXXX and have not cracked a dent in it is a travesty of justice. I have more than paid back what I have borrowed to attend my 4 years of college. They additionally added disbursements to my student loan data while i was n't even attending college in the year XX/XX/XXXX and XX/XX/XXXX. i graduated in XX/XX/XXXX. in the amount of nearly 20K.
my complaint is in regards to CareCredit. They are a credit company that is used for medical ... they have promotional programs if paid off in a certain time frame there is no interest. In  XXXX  of this year my normal payment was  XXXX  I paid  XXXX  this was to be applied to the normal payment and the promotional balance that had a remaining balance of around  XXXX  which had to be paid off in  XXXX . The company applied to everything but the promotional balance. I called to have them apply the payment correctly and was told it would take 14 days. So after the 14 days it was not totally corrected. The promotional still had a balance but now it was  XXXX  ... so I just decided to make the monthly payment with an additional amount of the  XXXX  .... I also did a chat with a rep before I made that payment to verify and let the company know how I wanted the funds applied and the rep assured me that the additional funds would pay the promotional off. Again the additional payment was not applied and I am being told that I have to wait 14 days for the payment to be manual processed even though my statement is showing the payment has already been applied incorrectly .... and if after that 14 days is up and I still see the payment has not been applied properly I have to call and request the funds be corrected and that will take an additional 14 days. This will be and additional month .... in 2 days it will be  XXXX  and Care Credit is talking 28 days to fix ... remember this has been going on since  XXXX  ... that will be  XXXX  when the promotional is required to be paid or we will be paying the the full interest. In talking to the rep today if it is corrected will be charged the interest .... I know the company was sold a while back and there is no doubt that the new owners are being very deceptive. I know I am not the only one who is having this issue with this company and feel that they should be investigated.
By law if you apply for a loan after 30 days of not using the funds the loan would be return.
I opened my first loan with XXXX XXXX which I attended for a short period which I believe the school applied for more than needed and pocketed what was extra. XXXX XXXX as well should of return to XXXX XXXX XXXX XXXX XXXX  apply for loans that I did n't need. I tried battling to get my money back and later the school closed.
No I have a lot of loans showing closed paid and they are reporting as duplicate and it 's really hurting my credit.
If the loan we transfers old information should be removed reporting what is current.
I am a senior citizen who has been vulnerable to financial trouble due to a bank that used my money to open up unauthorized accounts. This bank that I speak of is Wells Fargo. It first started out by putting me in a platinum savings account. Then I received notice of a standard brokerage account. In the end I have all of these accounts that I never approved of. Wells Fargo has moved my money in the manner of which they saw best fit, nothing in regards of my consent. There were also false dates that provides proof on their behalf that I was at their local branches making these changes. The time span of all these events was XXXX 2016 to XXXX 2016.
XX/XX/2017 The news reported that there was a security breach at Equifax affecting over 148 million Americans. According to Equifax 's website, I was affected and am filing a complaint in regards to this breach.
A cashier 's check from XXXX XXXX XXXX for an amount of {$2900.00} was deposited to my account on XX/XX/XXXX. The funds were not available until XX/XX/XXXX at which point I made a transaction based on the availability of the funds and with confidence that Wells Fargo had ensured that the check was valid. I repaid an amount of {$1600.00} for the original senders use on XX/XX/XXXX via a XXXX XXXX money transfer. On XX/XX/XXXX the deposited amount ( {$2900.00} ) appeared as DEPOSITED ITEM RETN UNPAID, and upon further investigation by the Wells Fargo fraud department, the check was declared fraudulent and I was declared a victim of fraud. Wells Fargo is holding me liable, and requests I reimburse the negative balance on my account that is due to the fraudulent check being deposited and subsequently returned.
The credit bureaus have told me that they have verified that this public record is correct but has not showed me how they verified it. A bankruptcy that was placed on my credit files
I have recieved over 40 calls to pay a debtthat I do not owe to a XXXX company. The collection agency is Nationwide Collections. The debt is {$46.00} and they said they would settle for {$26.00}. I do not owe anyone any money. My credit score is in the XXXX and I pay all of my bills. I am tired of gettng these calls, day after day. The phone number is XXXX. XXXX, I think, is a company that sells face cream online. That order was cancelled because I sent the product back to them. So why should I pay them for nothing. I never ever heard from XXXX for a debt owed.
CHEXSYSTEMS IN REPORTING FRAUDULENT ACCONTS IN VIOLATION OF DODD-FRANK ACT
I continue to get automated calls about at my place of employment which is an automatic dialer from a company called ATG out of XXXX Il to my work land line giving information on my behalf with my name.
I disputed an inaccuracy in the reporting from a Bank of America home equity loan. The loan and balance were transferred to another company in 2013. After I disputed an inaccuracy, Bank of America is now reporting my loan as being currently delinquent with a 30 day late status, even though the balance is showing {$0.00} and it was transferred. I was denied a loan because of this and I am very upset.
Step 1 : What is this complaint about? 
To dispute AMEX report on my account of a serious delinquency /late payment of credit card balance Step 2 : What type of problem are you having? 
The complaint is about report submitted by AMEX on my account stating delayed payment of my credit card balance which as a result affected my credit score and decision of my recent application to XXXX XXXX XXXX Credit Card with XXXX. 

Step 3 : What happened? 

I owned AMEX premier Gold card since XX/XX/XXXX and I have been diligent with my bill payments and on-time until XX/XX/XXXX when i received a communication stating i could start paying minimum bill only against the previous policy of paying my balance in full by every month. I thought this was convenient ( just like every other credit card ) to pay only minimum balance, and i thought AMEX was trying to give me the flexibility and opportunity to use my credit card more. This communication also came at a time i recently bought a house hence, what an opportunity presented to me to take care of my immediate needs. 

I made few transactions with the card and i ensured i was paying back biweekly but to my surprise, AMEX was still demanding full payment by month end. I made several attempts at clarifying with all their several agents that called me to no avail. I explained what i knew was the norm, and the communication i received from same company stating i could be flexible and also spread my payment. 

Step 4 : What company is this complaint about? 

AMEX Step 5 : Who are the people involved? 

AMEX subbitted a negative report which affected my application to XXXX for XXXX XXXX XXXX XXXX
I permanently opted out of receiving pre-approved offers in XX/XX/XXXX. I 've also had a state security freeze on my credit file. 
In spite of this, Equifax provided information about me to XXXX XXXX XXXX on XX/XX/XXXX and failed toprovide any permissible purpose. What they provide is general. When I informed Equifax about it through XXXX of theirattorneys, they supposedly deleted the inquiry as if it never happened. I also wrote to XXXX XXXX requesting reasonsfor the inquiry on XX/XX/XXXX and asked them to respond within XXXX days. As of today, they have have not responded. 

I did not conduct any business with XXXX XXXX and my security freeze should have prevented them from gettinginformation at all without my consent. It appears I can do absolutely nothing to keep prying eyes out of my creditinformation without a permissible purpose.
I have a credit card from capital one bank for many years they restrict my account because of a " fraud issue '' I waste my time going to the bank branch and the manager call custome service directly after sent all the information they said will take upto 3 days has been more than XXXX months and capital one is reporting as negative in my credit report. Every time I speak at the customer service they make me send my personal information again and it 's not resolve yet!!!!!
American Express has been contacting me multiple times a day since XX/XX/XXXX regarding a debt owed by my former college roommate. I have clearly expressed this is not my debt and that I am not on the account and no longer in touch with this person. They have now resorted to calling from different numbers each time in an effort to continue to harrass me.
I had a secured card from Fifth 3rd Bank in the amount of {$750.00}. And I paid my bill with my bank debit card with available funds for the full amount. I go about my normal routine and use my card cause, I paid my bill in full. Two weeks later I look at my statement and they said I owed around {$1200.00}. I call the bank and spoke with a supervisor and they said they would fix them. The bank claimed that that the payment got declined and I owed the full amount plus interest. I told them that I paid with a debit card and they received the money. The bank supervisor stated that it was a bank error and not to worry. I called them today XX/XX/XXXX and spoke with a Supervisor name XXXX ID # XXXX, she was not the person I originally spoke with. I asked her about their procedures when a customer calls in for complaints. And what information does she have on me.I let her know that I 'm upset because she stated she only had one call on file for me on XX/XX/XXXX. And I made multiple calls about this case. I now have a charged off account in the amount of XXXX. Plus they kept my deposit of {$750.00}. That they said only has {$650.00} in an account. I told her who do I need to talk with to get this error off my report. She said their is no one that I can speak with, but she would investigate. I told her I was going to file a complaint with the CFPB and she stated she can no longer help me and they will get in contact with me. I left her with my name, number, and email address.
On XX/XX/2018 my XXXX and I inquired via phone with Huntington Bank about applying for a HELOC. We were encouraged to go in person to a local branch to discuss our options. We met XXXX ( branch manager ) who explained a few different options, and that the loan he was considering for us required a XXXX credit score. We were instructed to send pay stubs and proof of homeowners insurance, which we provided via email on XX/XX/XXXX. We did not complete any paperwork at the bank, nor did we sign an application. On XX/XX/XXXX we received an email that referenced some disclosures attached, but when we attempted to open the attachment file, it was empty. My XXXX  had opened the file and noticed documents ; however, they were removed before I could look at them. I emailed XXXX on XX/XX/XXXX to further inquire about the possible loan options and he never responded. We contacted XXXX 's supervisor who informed that we were denied due to low credit scores and late credit card payments, but that XXXX was looking into other options for us. I let the supervisor know that my XXXX 's credit score is XXXX which seemed sufficient for the loan we were told about, and he said that we needed a XXXX  score for the loan product. Further, we have no late payments on our credit cards. We have never received any paperwork or proper disclosures regarding this adverse action, nor did we sign any documents providing Huntington permission to run our credit. We are wondering if this is a RESPA violation, an ECOA violation or a combination of both.
Per the Citi company : APR for purchases is exact same for cash advances. Due to Citis payment allocation rules, cardholder is unable to payoff cash advance before paying off purchases. Result a {$210.00} advance on X/X/17 created {$3.00} interest in XX/XX/XXXX. Even though the monthly bill was paid in full by the due date the XX/XX/XXXX transaction created {$6.00} interest in XX/XX/XXXX and even though that bill was paid in full by the due date the XXXX transaction created {$5.00} interest in XX/XX/XXXX. The credit card agreement does not document this scenario no does the monthly bill. Without calling in, a cardholder would have no understanding of how the interest was accruing or how to stop or prevent it. In my words : In consulting with Citi, I was told the only way to stop the interest is to pay the entire charged amount due in full and not use the card for a month. Essentially, a one-time cash advance created a continual interest income for Citi.
We are refinancing a loan. Wells Fargo is the current lender. They can not send us a payoff amount for the loan. We are trying to close on XX/XX/2018 or XX/XX/2018 and they have said they can not get us a payoff for at least one week.
Target corp has acted in an unfair, hostile and predatory fashion : Post divorce I agreed to make payments on our joint Target account. My ex then closed it. I entered into a payment arrangement allowing Target to withdraw $ 100 monthly from my account ( they insisted they had to withdraw-I could not be in charge of sending it ). Last summer, while unemployed, I called and requested a forebearance, but they refused. A few months later they stopped taking my payments, which I did n't even notice. after about 90 days their collection folks contacted me. I told them they were mistaken-as we had an arrangement. I was then told that they had inexplicably stopped taking payments-and needed me to reauthorize them. I agreed to contact my bank and begin SENDING monthly payments-rather than giving the the opportunity to drop the ball yet again. I did, and payments have been made evry month-however Target continues to report me late-which almost caused job issues when I became re-employed, and which PREVENTED me from purchasing my vehicle at lease end-as-according to the finance manager-the only new negative since my lease began was Target-they had dropped my score more than XXXX points! As well-I was able to secure a new lease based on my perfect lease payment history-but due to the score impact my payment went up nearly $ XXXX. When I have contacted Target-they have unsympathetically basically told me to pound sand. The only reason I keep paying them rather than letting their account go is because is because I feel it 's the right thing-but I am tempted to default-since they trashed my credit anyway-due to THEIR ERROR-nothing that I did. I want them to retract any negative late pay reporting-since they caused/instigated it ....