WillisBack/dataset-financial-user-claim huggingface dataset:
Despite numerous disputes with Equifax, they are reporting 2 accounts ( XXXX XXXX XXXX & XXXX ) which are outdated and should have come off my report automatically. I had the same issues with the other 2 credit reporting agencies but they were quick to fix the error. Equifax is an extremely hard company to deal with.They refuse to fix information that is outdated and incorrect.
XX/XX/XXXX Wells Fargo charged my account without notice $ XXXXFor 13 Years XXXX sent qualified written request asking Wells Fargo to identifythe components. I got replies as follows " WE have received your inquiry and as soon as our research is complete you will be advised ''. The last received was on XX/XX/XXXX. ( all together about XXXX to XXXX inquiries were sent and each reply was the same - a lie ). 
Please keep in mind, XXXX must approve and agree with all loan modifications.other wise, Wells Fargo would go crazy with the Loan Modifications Wells Fargo has not provided any proof that XXXX agreed and approved or even knew about the amount .posted XX/XX/XXXX. therefore this is not a legitimate .charge. There is no way that on XX/XX/XXXX XXXX knew what to bill 20 months later and would not have approved any charge at that timeThank youRobert D XXXXXXXXXXXX characters remainingYou will get some funny answers. including about XXXX lbs paper saying nothing related to this problem. Just ask Wells Fargo to furnish proof that XXXX approved the chargeto XXXX account XX/XX/XXXX. and furnish proof there off-Thank you vvery much and good luck. 


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What has now become public knowledge is that there was a MAJOR security breach with Equifax. I am beyond disturbed that the company waited over a month to make this information public. In using the tool provided by Equifax, I was told that my personal information was part of the breach. I was then given a date to sign up for their " free credit monitoring '' for a year. The date given was XXXX/XXXX/XXXX. Today is XXXX/XXXX/XXXX. The XXXX is the only date I would be able to sign up for the service, and I would not be reminded. Someone else in my same office ( after I checked my information on Equifax 's site ) also found out their information was breached, but received a date of XXXX/XXXX/XXXX to enroll. Upon reading the terms of use for the credit monitoring service ( which was NOT AT ALL easy to find on their website ), I realized that if I did in fact enroll in the free service for a year, I was waiving my right to be a part of a class-action lawsuit, a class action arbitration, or group representation. If by clicking on a date to enroll or by checking my information I waived this right, I will be extremely outraged. It is n't clear how I am agreeing. Does this happen when the date is assigned or when you action sign-up? There was no box to check when I was assigned a date that I accepted the terms of use. My information has already been compromised for over a month, and now I need to wait even longer for protection?! That is just absurd. It is almost impossible as a consumer not to need to have access to credit or get your credit report pulled. For my licensing, I am required to have my credit report pulled. How could Equifax not spend the adequate funds to begin with to protect such confidential information, and why are they being so sneaky about the potential loss of rights included with the of the credit monitoring service? I am assuming that if anything happened to my personal information prior to signing up for credit monitoring/ identity theft protection, I will not be covered. I feel like I have no choice but to deny the coverage, pay for coverage on my own, and seek representation for any potential damages or future damages. I would greatly appreciate your help in forcing Equifax to make their " terms of conditions '' more well known.
XXXX 's sales and lease sued me in small claims court and was awarded a judgement against me. At some point they sold my account to a dept collection agencies and they received the money from me. I have contacted the collection agency and they are mailing me the form stating that the accounts are paid in full and closed. But when XXXX 's filed their complaint the total amount does not match what I paid in full and they also labeled the account as medical which is not true. I tried contacting them on several occasions so I could get the original amount so I can prove to the court that the dept is paid. I have gotten wrong numbers and out of service numbers and answering machines. I Have left messages and no one has contacted me as of yet. This judgment is preventing me from buying a house. I do n't know what else to do if they do n't respond back.
I was pressured into opening a new bank account at wells fargo, even though I already have 2 other ones. I opened a business account and deposited {$300.00} into the account. The teller told me that the account would have no fees, so I planned to just keep the {$300.00} in there until I actually started running the business.

Problem 1 : I asked numerous times to be able to access the account online through my online banking, nobody was able to help, so I was never able to access or view the account.

Problem 2 : I started receiving e-mails that the account was overdrawn. I've never once used the account to make a withdrawal or used any money in that account. Not the balance according to the e-mail is - {$14.00} when it was + {$300.00}.

Wells Fargo willfully lied to me and stole all the money out of my account while not allowing me to access the account. I'm not sure how this Bank is still in Business after all the horrible things they keep doing to people.
The account was charged off in XXXX XXXX but the company continues to report delinquent payments in the amount of {$360.00} every month and increasing the account balance. 
I called XXXX and sent a letter on XXXX XXXX, XXXX, requesting that they remove the incorrect information from my credit files. They changed the account status to closed but they continue to report delinquent payments to XXXX and Equifax each month. 

I also sent a letter to Equifax and XXXX notifying them that the information is inaccurate and requested that it be removed.
Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( XXXX, XXXX, Experian ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by XXXX ( XXXX XXXX XXXX, XXXX ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to XXXX ( XXXX XXXX XXXX, XXXX ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( XXXX, XXXX, Experian ) without Validation. 
Furthermore, XXXX ( XXXX XXXX XXXX, XXXX ) AND the Credit Bureau ( s ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it when requested. 
The Credit Bureau ( s ) failed to provide or respond to my request for proper Validation.
Note : This is a Virtual Currency complaint. 
Today I received an email notice from PayPal about an update to their User Agreement. I do not have an issue with the content of the notice, but as you can see from the attached screenshot, the color of the text is a light gray which makes it difficult to read. This can ONLY be done with the intent to discourage people from reading the document, which may constitute fraud.
XXXX sold this loan to First Associates. First Associates is effectively a shell company where it is impossible to have any type of discussion with someone. 

I called First Associates and have emailed them. They have confirmed that I have never missed a payment. They sent me an email reply confirming as such and a file which I can't interpret. It appears to be something meant to send to the credit bureaus. However, what they are reporting as a late payment with XXXX  is from late XX/XX/XXXX. The file they sent is itself incorrect as it shows payments stopping in late XX/XX/XXXX. This information is all correct. 

I have never missed a payment and the loan was actually paid off in XX/XX/XXXX. 

First Associates needs to update my loan with XXXX to show never late and paid in full.
XXXX XXXX XXXX has sent me a letter Im attaching to this complaint, that they have removed my account from their system and marked it as fraudulent. Removing me from any responsibility for the account, which was previously a charged off account. 
Experian refuses to remove the account for the last 60 days now and refuses to allow me to show them the letter from premiere. Saying account can never be disputed again I dont need to dispute the company removed it. 
Why Experian refuses to comply is a gross violation of the FDCPA, FCRA and the FTC.
I have attempted on numerous occasions to dispute the false negative 60 day late payment on my credit report from Navient. Only to be told it was accurate when it couldn't possibly be. The months before and after the month started to be 60 days late are both on time. Aside from that, I never have had to make a payment and was in school. I have mo idea what happened to cause this. I believe that they misallocated payments or messed up with a deferment/forbearance somewhere and they refuse to take responsibility. And fix it. Please help. My credit is suffering from this. Also the loan on there is from XX/XX/2005 and has been transferred twice now, I would like it taken off completely.
I purchased a car on XX/XX/XXXX, and on XX/XX/XXXX I was in an accident and totaled my car I just purchased. My loan is with Wells Fargo Dealer Services. My Insurance company XXXX XXXX and I did not come to a settlement until over a month later. Wells Fargo 's representatives called me and asked me to take the offer XXXX XXXX was giving me which was not going to pay me full value for my car and not pay the rest of my loan off. I XXXX took the offer and Wells Fargo was paid {$6200.00} on a {$6800.00} loan. This left me a balance of {$570.00}. Wells Fargo got the check in XX/XX/XXXX and I reviewed my credit report in XXXX and Wells Fargo is reporting I am 30 days late on payments. But how is that, when you got over {$6000.00} in payments. I tried calling them numerous of times and they keep switching me to different people in the collections department. I asked why they did not adjust my loan amount to fit the new balance. I spoke to a lady name XXXX in the Offices of the President in the Corporate of Wells Fargo, she would not give me her last name. Her extension # is XXXX, phone number is XXXX. 
She is the one that said she recommended that my remaining balance ( {$570.00} ) be forgiven because of the financial harm they have caused me. Account # XXXX. But after months of waiting on that, she said the company is not going to help me. On XX/XX/XXXX, I spoke to XXXX XXXX, extension XXXX. He said the best he would do for me is, if I pay the remaining balance of {$500.00} and they will take the charge off - off my credit report. I told him that was not good enough, because he said the 30 day lates would stay on my credit report. I told him that was not accurate. This company has caused me financial harm to my credit and defamation to my name. They have been reporting this false information on my credit reports going on a year now and I have suffered in higher interest rates on loans I have now
I requested the credit bureau according to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ) provide a physical copy of the original document in which they failed to do thereby violating federal law.
XX/XX/XXXX To Whom It May Concern/ CFPB, I went to a local Chase bank where I had an account. I requested a money order either during XXXX or XXXX. The Chase bank branch manager assisted me with this. He then used cross sale tactics to get me to sign up for the Chase Freedom card.

He said if I link it to my checking account and I didn't have enough funds to finish a transaction, the charge would just go to my credit card. So, I agreed and went home. I never opted in or agreed to enroll in any overdraft program. I feel the tactics used by the branch manager was deceptive and an abusive practice. I relied on his oral disclosures and relied on him to act in my best interest but that was not the case as I was deceived.

I was never told about a {$10.00} fee for overdrafts linked to my credit card and I was certainly never told about being accessed {$34.00} overdraft fees for all other overdraft fees associated with my checking account. I have completed a review of my account and Chase has charged me thousands and thousands of dollars. 

Above, I am requesting to get my money back since we never opted in for these fees. 

I am requesting a formal review of my account along with a copy of the signed overdraft disclosures showing I agreed to opt in and a refund of all overdraft charges. I hope to receive a satisfactory response. 

I was advised to file a formal complaint with federal regulators, but have not gone that route yet. Please assist me with the review at your earliest convenience and feel free to contact me if you have any questions or concerns. All of your assistance is greatly appreciated. 

Contact Information/ Address : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX ) XXXX personal cell Regards, XXXX and XXXX XXXX
In XX/XX/XXXX I applied for a loan modification from my mortgage bank Chase Bank ( Chase bank took over my original Bank Washington Mutual Bank ) Went to a chase mortgage office who only does the paper work for load modification. the paper work was submitted and I was on a mortgage trial from chase. Spoke to the person who was handling my case the about twice during the first month after that I was paying my trial payment on time. Went to the bank and made my payments. Keep making my payments, the one day went to make my payments and was told the bank no longer accepting my payments I must bring the account up to date. When I called the XXXX number to speak to the person who was handling my account/me. I was told she is not to be found and no one knew my account. and did not believe I was on a trial. I was told that I am eligible to apply for a loan modification. I kept applying then XX/XX/XXXX I was serve papers to foreclose after keep applying and help from people and a none prophet organization finally got a loan modification. I was then told by chase Bank because they add some XXXX ( {$90000.00} ) as interest to my loan I no longer qualify for the go government HARP loan modification. My original loan modification was {$1200.00} now its {$2200.00} a $ XXXX.more. and a 4.625 % interest. I had no choice to take the loan. A few months later I found out chase the same the with many other people and there was a class action law suit and chase lost. It appears chase Bank started loan modification with many others and never gave them the final paper work.
I went into XXXX XXXX XXXX XXXX Dealership in XXXX XXXX to purchase a new XXXX Truck. I knew the vehicle I had in mind, and the website allows for online finance and purchase ; however, I had a vehicle trade in that I needed to get appraised. Because of this, I would not have been able to purchase the vehicle online while trading in the vehicle for the amount I was quoted verbally. 

While being serviced by the sales man, they advised I had 2 choices according to management. 1 ) Purchase the vehicle for only {$5000.00} off MSRP, and I could finance wherever I wanted to get a low interest rate. 2 ) Get XXXX off MSRP and apply through XXXX XXXX XXXX. When they presented the offer of utilizing XXXX XXXX XXXX, they advised I can always refinance with another company if the interest rate is not what I wanted, which lead me to believe I was not going to be satisfied with the interest rate they would offer. 

I work in a financial institution ; therefore, I know that I am entitled to request interest rates without applying first. I asked the sales man XXXX who then advised he would have to ask the finance specialist. He came back and was told that the finance specialist declined the request to be provided the interest rates available, and I would need to apply first, and then speak to the finance specialist. 

Being backed into a corner, I decided to let my credit speak for itself. My credit is over XXXX, and my wife 's was over XXXX, and I more than qualified for the lowest credit rating available. When they came back, they advised my interest rate would be 6.09 %, which is absolutely unacceptable. I again was told I should refinance after closing on the loan. 

I proceeded to the finance department where I was in a recorded and monitored office. The conversation in the finance office should be recorded for the record. I again advised the finance specialist, XXXX, that I was interested in being provided the interest rate 's available, but that I was denied the opportunity before applying. He agreed and understood that the interests being offered is a requirement, but still did not provide the interest rates I requested, and continued with his process of offering optional products to add to this outrageous interest rate ; again encouraging to refinance in order to get the extraordinary offer off MSRP. 

I didn't read too much into it, and figured this is how they do business, until a colleague went into a different ford dealership, and requested a new vehicle. Her credit is below XXXX, and she qualified for XXXX financing at XXXX interest rate, and was advised that the lowest interest rate available is 1.9 % for well-qualified buyers. This leads me to believe that I was given a predatory loan at a high interest rate, forcing me to take another credit hit refinancing with another institution just to receive the interest rate I deserve.
XXXX XXXXXXXX XXXX has reported delays in the Equifax credit agency since XXXX and is incorrect and accepted the error and does not correct it. My score has been damaged and I had a medical emergency and I was denied loan because of that error in my record.
bank of america closed out my credit card due to a letter that was sent out by national debt relief program by accident. I went into bank of america to ask for help and how to get this matter resolved. the manager gave me the internal debt number and advised me to contact them directly and ask for help. so I called and the first representative explained all I needed to do was fax in the letter from national debt relief revoking their power of attorney off of my bank of america credit card account. i called back 2 more times just to confirm that this is the correct processed and they promised they will reverse my credit card account. I went out of my way and request for the letter that bank of america asked for and faxed it in to the internal dept. I then waited a few days and called them back to ensure they have received the letter. the representative that answered then stated that bank of america by policy can not help me reverse the account. I asked her why she kept giving me the run around and no answer. and then she stated that I was mislead by the other XXXX representative and they did n't know what they were talking about. I asked I called this one number that was given to me how can all XXXX agree with one solution and you are they only person that is denying me service. I am upset for being mislead and now my account which was not passed due is now in collection and hurting my credit report. I asked to speak to supervisor or manager she refused and kept putting me on hold. I asked for a number or complaint department she told me there is none. and that I would have to write a letter to the head quarters.
On XX/XX/XXXX the banking account took banking fee amount of the acct of $ XXXX ( bank services fee )  then charged over draft fee of {$34.00}. I noticed as well that some days take $ XXXX on XXXX then XXXX of each month when its convenient for Citi Bank to profit of the fees. They charged 3times th amount of $ XXXX fee on XX/XX/XXXX - of {$34.00} - I have been with Citibank for 7years. I have noticed the accounts recently in XX/XX/XXXXstarted having problems occurring with services -- -- I not the only individual who seem to not understand why so many stipulation on such accounts. I have 2 checking accounts and savings just recently reduced package to different package to save monies of the banking fees that did not work either -- - I have been with Citi bank for 7 years never had a over draft -- -- spoke with representative XX/XX/XXXX at XXXX ( ID # ) XXXX he did not resolve anything -- - or offer a waiver -- -- the question of these proceedings of bank fees causing a overdraft of 3times the amount does not seem reasonable and as a customer for 7 years is absolutely ridiculous -- there needs to be an investigation in their practices of accounts -- -- - and those stipulation in which Citi Bank is altering their own policies. This not the first time of misleading information -- -- or miscalculated incidences regarding fees -- -- - the policies does not add up -- --
I receive a request for mortgage assistance package from SLS which stands for Specialized Loans Servicing, the letter in the package stated that my mortgage was in serious default. I call SLS on XXXX XXXX advising them that my account was not only up to date but paid ahead until XX/XX/XXXX. I sent XXXX by fax # XXXX my bank statement and cancel checks verifying my position. I called XXXX back on Friday XXXX XXXX and was told that my account had been adjusted and I owed XX/XX/XXXX payment I advise them that was not correct the person said they would have XXXX call me Monday. I called SLS back on Monday XXXX XXXX at around XXXX talk with a XXXX who advise me that I had to fill out the mortgage assistance forms I told him I would not fill out those form because my account is not pass due and I am not in need of their assistance he advise me they could not correct my account without me filling out those paper I refuse. My original leader was XXXX my mortgage was sold to this SLS I have never had a problem with my account being delinquent, I need for SLS to correctly applied all of the payment that I verified by fax copies that I made to them and I need them to make sure my credit reflects that I have made the payments on time.
My name is XXXX XXXX and I am a U.S. Veteran. my Identity was compromised between XX/XX/XXXXand XX/XX/XXXX. During this time a fraudulent account was opened in my name with XXXXXXXX XXXX. XXXX XXXX and Experian are aware of the fraudulent account, however, as of todays date the negative item still remains on my account. A military police report has also been filed and my unit is working with the Federal Trade Commision and the Consumer protection agency to resolve the matter. Please have XXXX remove this from my account immediately as it is causing me economic harm. I have also included a identity theft report from the federal trade commision regarding the complaint.