WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a XXXX credit card back in XX/XX/XXXX, in XX/XX/XXXX, after losing my job, I became delinquent in my account causing it to charge off. Once I became employed, I tried to make my wrongs, rights by paying off my debts. In XX/XX/XXXX, I made contact to the collection department of comenity bank. I was offered by the representative if I paid the settlement amount, he verbally agreed to remove from my credit report. So I gave him the payment information and he said that my report would be updated 30-45 from that date. Instead my account updated to paid in full. I 'm very grateful for that HOWEVER I was lied to just to get my money and because it was a verbal agreement, it 's Comenity Bank word against mine. I was told it was a recorded line but out of the numerous of times thru out the years I 've call, I get different answers, they refuse to pull the phone call stating they do n't keep phone records that far back or not every call is recorded. I 've heard it all. On top of that, they will not give me the agents name or who I spoke to. I agreed to pay which I did and they agreed to delete which they did n't. Many consumers that I 've spoke with has had the same problem dealing with this bank, they do n't stand behind what they say and as someone that is trying to build a future, it 's hard to have this disappointing credit line on your credit report.
Paramount Recovery sent me information that states a {$0.00} and they are reporting a balance of {$2900.00} to all XXXX credit bureaus.
We received a loan modification from XXXX  XXXX XXXX in XX/XX/XXXX. Around XX/XX/XXXX, our loan was transferred to Seterus. This mortgage company is horrible to deal with. No monthly statements, billing, no credit reporting of " perfect payments '' for past 4+ years, no call backs, horrible customer service. We owe approximately {$320000.00} on our primary home that was loan modified. I pay monthly, religiously to a XXXX XXXX in XXXX XXXX. Very scary that I have no proper accounting of all of my payments for years!
on XX/XX/XXXXat XXXX i check my credit score an notice HARD Inquiry details from XXXX there is an hard inquiry from XX/XX/XXXX that i did not consent to nor was acknowledge of being on my credit an would like this removed. I did not an never consent contract or gave permission for my credit too be ran for a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX
On XX/XX/2017, I opened a credit card with Citi Cards. On XXXX, I received both a text and email saying I should have received the card by now and to please activate it. On the XXXX, I called the customer service number stating I had never received the card. The customer service representative told me that it apparently had been returned because the apartment number was incomplete. We confirmed my address and he assured me that I would receive it within 7-10 days. On XXXX, still not having received my card, I called the customer service number again because now I 'm thinking I 'm a victim of identity theft. Citi Cards is unable to verify that I 'm the account owner, in spite of me giving them my security password, first concert attended, and all of the information I used when opening the account. On XX/XX/XXXX, I called Citi Cards five ( 5 ) times with no resolve. Each time I 'm told I will be called back and never was. They did tell me my account has a hold. Not hearing from Citi, I called again today XXXX. I confirmed the XXXX digits of my card ( which I pulled from an email from them ) and my security password yet again was told that I would absolutely receive a call back from their fraud department as my account is under warning. That was more than 12 hours ago at XXXX this morning. I can not get a direct answer nor status on my account and I do n't know what else to do since I have never received the credit card. I 've called Citi Cards eight ( 8 ) times and can not get a direct answer as to when I will receive my card on an account that was opened more than one month ago.
XXXX XXXX had a substantial loss of income and his current monthly expenses increased, exponentially due to being diagonosed with XXXX XXXX, which has become increasingly difficult over the pasr few years, both physically, mentally, and monetarily. As a result of this, XXXX fell behind on his mortgage and it became a snowball effect that he could not manage nor control. He wants to save his home that he resides in, desperately, and from my research and past twenty years of experience in the filed of XXXX XXXX, he does qualifty for a loan modification. XXXX is hoping that with the assistance of this formal complaint, that he can have an assistance file reviewed by someone in the Office of the President at Chase, and not simply dismissed as he has been several times in the past.
Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XXXX/XXXX/2017.
incorrect amounts on accounts.Accounts over XXXX years still on credit report, inquires wrong incorrect
When I had moved from XXXX XXXX Apartments inXX/XX/2016I had preformed all necessary checks with the front office to ensure I left the property in good condition prior to moving. Due to the harassment, and quite frankly, discrimination from the front office they elected to attempt to bill me further for services that were not warranted nor rendered. This debt is invalid and not owed by myself. I request the negative reporting to be removed immediately as it is in violation of the FDCPA and FCRA.
Collection Bureau Inc. placed an account on my credit that does not belong to me. I have tried contacting them and asked them to provide proof that this account belongs to me or to remove this account and they have not done either. They simply responded by telling me to call in?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX  Re : Chapter XXXX  Bankruptcy To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my crediti file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Again I never paid or walked into court for such a matter and by law it does not exists
I have disputed an Discover Card account # XXXX. This account was a fraudulent account due to identity theft. I have file a police report and have mail it certified mail to Discover. I have also called multiple times about this fraudulent account. They have remove the account initially, but now the account has later been reported back on my credit file.
I finished XXXX XX/XX/XXXX. I XXXX for forty years. Why am I not eligible for debt forgiveness? Because my loan is beforeXX/XX/XXXX!!! How ridiculous is that?!! XXXX University ONLY offered XXXX XXXX at that time. I retired and still owe approximately {$11000.00}. 
Recently, Navient lowered my monthly payment, but that just extends the time and ads on LOADS of extra interest. 
Please advise.
I received a marketing code from capital one. I applied, and was approved. My card was sent out, but was restricted then subsequently closed because capital one had a " glitch '' in their system that sent the same code to over 20,000 people. Capital one 's response was to close all the accounts saying that customers used invitation codes that were meant for someone else, but the code was n't tied to a particular social or the approval, MY credit was pulled, and I was approved based on it, but because of THEIR error, my account was closed.
I am XXXX in the Texas XXXX XXXX and not on XXXX XXXX orders but I do actively XXXX every month. I took out an installment loan from Sunbelt Credit for about {$1000.00} in XXXX XXXX. I paid my loan off early in XXXX XXXX. I just called to apply for a new loan. With the exception of my promotion XXXX and the dates of XXXX loan applications, everything else about the old and new loans are the same. Same amount, interest, payment plan, status in the XXXX XXXX, etc. Only this time, Sunbelt Credit ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) denied me credit, stating they no longer allow military to receive loans because of the new Military Lending Act. How is it that an Act meant to protect service members from outrageous interest rates is actually preventing service members from getting loans, even if the service member can afford the loan? I 'm not XXXX XXXX, I 'm not on XXXX XXXX orders, but because I 'm affiliated with the XXXX XXXX, I feel I 'm being discriminated against due to my service in the military. What are my rights? If Sunbelt Credit violated my rights, what actions can I take?
1.On XX/XX/2018, I received a telephone call from my relationship XXXX at HSBC Bank USA where XXXX had been a customer for over 18 years advising me that she had been instructed by the Compliance division of the bank to " exit the relationship '' and that it would be closing my accounts on XX/XX/2018. The full back ground which appears to have led to that decision is summarised in an e mail dated XXXX XX/XX/2018 which I sent to XXXX XXXX XXXX, my Relationship XXXX at the bank. A copy of that e mail is attached to this complaint. 


2. For the reasons which are fully set out in my e mail to XXXX XXXX I was wholly bemused by the decision. But I am aware that the decision can not be challenged, nor can I be advised of the reason for it. So I shall have to make alternative banking arrangements. 


3. But I regard the amount of time afforded to me to make alternative banking arrangements - seven working days - as wholly impossible to achieve. All banks have KYC procedures and I am aware that these can take between fourteen to twenty eight days to conclude before an account can be opened. So the time scale for closure specified by HSBC will leave me without a bank for as a minimum a period which I estimate to be three weeks ; and will inevitably result in : a ) regular payments from the account I have mandated to third parties being unpaid, resulting in, among other things, a negative impact on my credit score ; and, b ) regular payments into the account being bounced back, since given the inadequate period of notice for the account to be closed, I shall not have time to re route these payments to the new account 4. I have requested that the bank extend the period for closure for a minimum of period of a month. To date they have not confirmed they will do so
Capital One is refusing to provide me with my old/last account number. I have spent hours of the phone getting transferred to different departments within Capital One and they said they are not allow to provide that information to me. I need this full number to access XXXX XXXX 's system in order to find an old receipt for a purchase I made using this card. Since it was a secondary card ( it was under my name and social security number, but used by my husband with his name on it XXXX, it is not listed on the old account statements. Only my primary credit card number is listed on the statements.
Green Tree Service Representatives were extremely rude and threatening with me. They called me at various times of day and night, and even while I was at work, despite my constant requests not to contact me at these times. They have harassed and bullied me ever since they took over my mortgage from Origin, and they have caused me XXXX and have made me afraid of answering the phone in fear of homelessness in doing so. They have also made deliberate attempts to embarrass me in front of my clients while I 'm at work. They also would only accept payments through a pay service that charged {$12.00} payments for every transaction and forced me to set up XXXX payments at a time beforehand. They treated me like I was dirt, a second class citizen ... Like I was some sub-human trash.
I DISPUTED SOME FRAUDULENT ACCOUNTS ON MY EQUIFAX CREDIT FILE THAT WAS PREVIOUS DELETED I WAS N'T NOTIFIED THAT IT WAS GOING TO BE REINSERTED IN MY FILE I HAVE CONTACTED THE CONSUMER AFFAIRS DEPARTMENT FOR THE LAST 5 MONTHS THE AGENT XXXX SAID SOMEONE WOULD CONTACT ME WITHIN 48 HOURS THAT 'S BEEN 5 MONTHS AGO
Wells Fargo Bank Auto Finance agreed to cancel two scheduled payments forXXXX XXXX and XXXX XXXX, 2015 in response to Consumer Financial Protection Bureau case # XXXX. Instead, they collected {$1300.00} through bankadjustment from my Wells Fargo checking account.
I contacted my credit card company ( Cap One ) to report fraud. It was n't until I let them know I knew about the CFPB to report a complaint that they finally addressed my concern. However, I received a rebel for the exact reason for which I filed a complaint. I received a message from someone in their dispute resolution team and after XXXX messages/phone calls I have yet to receive any explanation or assistance from them.
My name is XXXX XXXX between XX/XX/18 - XX/XX/18 several unauthorized trans actions took place on my account using my debit card # and home address. All fraudulent transactions were done online or by phone. No signatures or Pin transactions were used. The amounts were : {$450.00}, {$38.00}, {$75.00}, {$150.00}, {$130.00}, {$220.00} {$300.00}, {$47.00} {$26.00}, {$31.00}, {$39.00}, {$35.00}, {$40.00}, {$150.00},. All these transactions took place while the debit card was in my possesion. I used my debit card almost every day at the gas station, grocery store, coffee shop etc. but when you go to the corner store it does not tell you the balance after the transaction and I did not go to an ATM to make a withdrawal or deposit to check my balance Until XX/XX/18 when I noticed money missing out of my account. I immediately made a claim that day. A credit was was put in my account for all the fraudulent transaction Approx. 2-3 days later. I then continued to use my account. 3 months later I received a letter dated XX/XX/18 stating that my claim was denied and a reversal of the credit given to me would be subtracted on XX/XX/18 ( {$1700.00} ). It did indeed take place leaving my account in the negative. I have made several calls and written letters to Bank Of America, They  have not replied. can you please help me rectify this problem. Thank you.
Citibank states that I requested a permanent stop payment on XXXX. In 2013, I requested a one time stop payment for XXXX because I did n't want my account to overdraft. Because of this, my account with XXXX has been closed due to no payments. Every single time since 2013 that I have called Citibank, they did not disclose this information.
On XX/XX/XXXX I called XXXX to dispute inquires that I did not authorize. They informed me that they DO NOT dispute any inquires, that signatures do not have to be on file nor do they house that information, and that all information is factual. They said they could not help me and I would have to wait the two years even if I did not authorize them. They also informed me because they are more than 6 months old, the companies DO NOT have to respond to requests. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX I also  spoke to Experian, and was informed the same information ... 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Earlier this year  XXXX   XXXX  was placed on my credit report as a collections account. I immediately disputed it directly with  XXXX   XXXX  through CFPB and the account was removed from my credit files with all  XXXX  credit bureaus and a cease and desist was placed. In  XXXX  of   XXXX   I noticed  XXXX   XXXX  was placed back into my credit file and I did not receive proper notification from the collection agency or credit bureau as required per the FCRA. No notice was given that this was being placed back into my credit file.
Wells Fargo is reporting a charged off account on my credit which I did n't even know I had. I recently found out about a card on my credit report that has charged off last year. I never received a phone call or notice from them one time. I saw it on my credit report recently and immediately contacted them. I have not used the card nor did I know of its existence. I am unsure if my ex from years ago did this and if so it is her responsibility but I did not sign for this card that I can remember. 
If I would have received a call or notice on this account I would have handled it at that time. How was an account opened in my name? This has affected my financing of a home and I was forced to pay this debt to move forward even though I do not owe nor have I used the card.
I submitted on line XXXX credit application now i have over XXXX on my credit i did not gave permition, to run my credit alos i am living or has lived at an address in XXXX XXXX which is where my ex wife lives also XXXX never lived there.
I have had smooth sailing paying my XXXX mortgages with Wells Fargo for 14 years. I have a lot of equity. My wife and I lost XXXX family members in a tragedy unspeakable. My wife, a XXXX for 22 years had to resign with grief and health issues. Wells Fargo has mistakenly paid my property taxes several times changing my payment and apologizing by letter but still hurt me. I have been paying over the payment for 7 years!!! They then want to restructure but then add insurance etc I do n't need and it drags for months as they switch from person to person. I documented 36 calls in 3 months. Then out of the blue a foreclosure comes to my door???? I make my payment every month and they claim I am behind months? they cash my checks but do n't apply? WE are taking this nationally how we have been treated during our horrid nightmare. I need help with this so bad I cant take this XXXX every day. XXXX
Credit Protection Association has sent a bill they " bought off XXXX '' for a debt from XX/XX/2017 I 've never had XXXX at the address listed and have n't lived there for over nine years. The account number listed is not only not mine, XXXX informed me it 's not anyone 's. Furthermore the " several attempts to contact me '' are two letters. One to notify me initially and the other inform me that my debt was being reported to the credit bureaus. Suspicious because the final notice is dated two weeks before the initial notification. CPA has reported " debt '' to the bureaus.
I have several discrepancies on my credit report that I have reported to the credit bureau. The credit bureaus have my name as XXXX XXXX XXXX and is incorrect. I have a collections that I disputed for XXXX and they do not have it listed as disputed and nor was it removed from my report. XXXX XXXX XXXX and XXXX XXXX is the same account and I have disputed that with the bureau as duplicated and nothing was done.Also, the amount is incorrect. XXXX XXXX is reporting something that was paid in XXXX and showing as a XXXX balance. West Virginia Statute of Limitations on Debt Collection is  XXXX years. W. Va. Code 55-2-6 ( 1923 ). I have a collection XXXX XXXX for {$80.00} that is over XXXX years on my file that is incorrect. I have disputed the record and it was not taken off.
XXXX ... THIS WAS A STUDENT LOAN THAT WAS FORGIVEN WHEN I WAS PUT ON XXXX. I WAS TOLD IT WOULDNT SHOW NEGATIVE ON MY REPORT.
I will try to be as brief as possible. I have submitted my DTR last year I have recently received an email stating no determining descision has been made and that communication with Fedloan servicing would be made as well. I then received notice from Fedloan in an email stating they were going to automatically take money out of an account I removed from their auto pay several years ago. I did this when they illegally drained my bank account of over XXXX use. I was left panicked and drained unable to eat sleep or much of anything else. I lost my job I went off the deep end. I ended up getting this back by disputing all of it. This email from Fedloan was followed up by a personal phone call. I demanded to know why they took me off my administrative forebarrence. They replied " I do n't know after several calls and emails removing the account and their ability to drain me again. I also requested any all all documents and a review with a reason why they removed my DTR rights! This was all requested the 1st time XXXX XXXX 2017 and again on XXXX XXXX 2017 and now again today XXXX XXXX 2017. These loans are fraudulent loans I have a letter from my states attorney citing the " holder clause '' and many other fraudulent practices made by the XXXX XXXX XXXX XXXX. Now I continue to have to go through XXXX! This will not continue! I am not a XXXX I am not your puppet! Take me to court in XXXX!  The federal government has been paid back by XXXX my debt is a result of all their fraud! These loans are fraud! They must be removed from any and all collection agencies and all other affiliated or non affiliated us government made agencies. I have proof these are fraudulent.
I rented from XXXX XXXX XXXX XXXX beginning Im XXXX of 2016. I paid XXXX, the property manager, two checks before moving in. One was my deposit and first months rent. And the second was the remaining rent for Term of the lease bc I had just received a large sum of funds and wanted to pay in full. She accepted and cashed the checks. Numerous issues evolved. Including maintenance never fixing our AC. I had a XXXX XXXX old baby at the time who could have died. The foundatiOn of the home was sinking. There were horrible issues. So the company agreed to give me my deposit back and money id already paid bc of their negligence. Well I moved and never received anything from them at my forwarding address. I called many times to no avail. Then over a year later I notice on my credit report that a debt collections agency reported I owed almost {$6000.00} to XXXX XXXX. First off I have no clue who XXXX XXXX  is. Second I was never contacted by XXXX or the collection agency. Third they waited a year to falsify information to not have to pay me. This is awful. And needs to be rectified. They told a judge that Id never ever paid them any money. No deposit. No rent. Nothing. Now we all know thats not true bc you can not move in without deposit and rent. Plus my mother was wiTh me when I handed them thoUsands and paid up from. Falsifying court documentation is a felony. What they have done to me is as well.
XXXX has been non-compliant with removing the unverified account ONEMAIN which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ONEMAIN was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
The company continues to call my spouse at work after being told repeatedly that this jeopardizes his job.