WillisBack/dataset-financial-user-claim huggingface dataset:
In early XXXX 2015, I entered Compass Bank to do business. The counter agent solicited business. I was redirected to XXXX XXXX, XXXX Representative. XXXX XXXX attempted to increase my home equity line of credit ( HELOC ). In doing so, she opened both a checking account and credit card account. I strongly protested to both immediately. She advised that the checking account was a requirement of all " new '' HELOCs, which is what would occur if my limit is increased. I was not aware that the credit card account was not closed until I received a statement a few weeks later. 

In the meantime, I did not want to go through the changes the bank required to increase my HELOC. On XXXX XXXX, I advised XXXX XXXX I was no longer interested. At the same time, I instructed her to close the checking account ( and any other accounts ) opened in relation to this HELOC application. When I received statements, banking and credit, I realized that nothing had been done. I reached-out to XXXX XXXX on a couple of occasions with no luck. When I sent her an email inquiring about her availability to assist, she established contact. Unfortunately, she failed to follow through. She did not close either account and I have called customer service to do so. Today, a week later I find out that the checking account can not be closed via phone unless it is at a XXXX balance ( sounds crazy to me ). Last week, they told me that my balance would be returned less a service charge. I was unhappy to hear that I have to pay to close an account I never wanted. When I was advised that I HAD to open a checking account, the minimum amount required to open was {$25.00}. I have already lost {$3.00} due to the monthly service charge. 

We are over 60 days and I can not get this checking account closed, just confirmed credit card account closed XXXX XXXX per my request yet I can not get this checking account closed. I have spent a considerable amount of time with Compass Bank. This reminds me of a time, not long ago, when you entered a mobile phone company 's establishment to browse and would leave to realize later that your mobile provider had been changed. The term used then was " slamming. '' Even electric companies practice slamming. I feel like I have been slammed by Compass.
MY ATTORNEY RECOMMEND THAT XXXX XXXX XXXX DO A CREDIT ACCOUNT REVIEW ON XXXX  ONLY! AUDIT TRAILS AND PROFILE DATA IN CORRECTLY MATCHING CAPITAL ONE INFO. 

WHEN APPLIED FOR THE 2 CARDS THEY PULLED A 4-1 ON ALL 4 BUREAUS.
I have absolutely no connection to XXXX XXXX XXXX and want it removed from my credit immediately. If found that someone else used my credit, I want to prosecute to the fullest extent.
I purchased a home in XXXX. According to the debt forgiveness act sign into law by president Obama that home which was foreclosed on in XXXX should not have been attempting to collect let alone claim delinquency on credit since XXXX and or show an open balance. I spoke to a bank of america representative and was assured that it was their mistake that the property showed that it was foreclosed and sold and that they would correct their mistake and remove everything from my credit report within 30 days. 30 days passed and bank of america continues to claim default on the loan stopping me from buying a new home. I took Hours out of a days to attempt to call and resolve this again and again and i keep getting the run around. I was told by bofa customer service representative that although he could clearly see it was a mistake that the house was foreclosed on and that it should not be delinquent that he did not know the disconnect and that he could not help. He stated that i would have to go to the credit bureaus to make them investigate it. I have done that but BOFA does not fix this issue when disputed. If my credit is not cleared up immediately and everything that bank of america negatively imposed on it i will take legal action.
Wells Fargo is taking advantage of my situation to their advantage! I can barley pay my mortgage anymore and they supposedly did a Home modification when times were bad but I 'm still over paying and can barely keep my home due to XXXX! PLEASE HELP!
My CPA has contacted the source and they informed him that they can not find anything filed against me so I am requesting that you either remove from my report or contact them and let me know what I need to do to handle this matter. 
Source XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX
I received a Barclays Bank Delaware XXXX XXXX in XXXX of XXXX. A few months ago, Barclays began reporting that a card issued in XXXX is also mine. It is not. They say i need the account number, which i do not have as it is not mine. The owner of the other card pays on time as do i. We both seem to have great credit. However, i am buying another home soon and ca n't allow this on my bureau. When i contact the Bureaus, they contact Barclays and Barclays insist it is my card. I suspect they data entered a wrong SSN or something. If not, they should see it is XXXX seperate SSN 's and XXXX seperate addresses, as i do not get the other person 's bill. I do n't believe this is fraud. I believe it is arrogance and stupidity.
I am having an issue with XXXX and XXXX in disputing incorrect information on my credit reports. Today upon viewing XXXX XXXX it looks like one problem has been solved that XXXX XXXX XXXX was deleted off my report finally however when I viewed credit sesame it shows that they reported it as a charge off as of today again. My credit reports are showing incorrect information. I 've tried contacting XXXX and keep getting transferred then on hold for over 20 minutes then disconnected. I tried to go online plus call XXXX and a recording comes on that there is a high volume of calls and to try back later. I ca n't even check my credit report online with XXXX nor XXXX. I have 3 negative things on my report that do not belong on there and it is affecting me in obtaining substantial credit as it is ruining my credit score.
I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union   Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX
My dad has the same name as I do, in my credit report is showing that I owed a vehicle that is not in my name or my social security number. That account is hurting my credit because I can not apply for a mortgage loan or any type of loan due to that improper information in my account.
Today a process server, XXXX XXXX, called my cell phone from an unknown number and left a detailed message that I would be served papers tomorrow from XXXX XXXX unless I called this number-XXXX to discuss.. I looked up the number and it came back unknown on unlisted so I called. They proceeded to tell me what I need to do in order for the summons to court would be stopped ... .to pay the total amount today of XXXX. XXXX or the court XXXX. Or I could make payment arrangements to stop it all using a credit card to keep it on file. They actually wanted me to go buy a prepaid card to use. I refused and they did n't like it that I was going to contact my attorney or call the district attorneys office in my area. They also gave me another number-XXXX. and the name of the company is ADR Alternative Dispute Resolutions. I looked both up on the internet and could n't find any information.
On XXXX XXXX, XXXX I wrote a letter to Online Information Services asking them to validate a debt that was showing on my credit reports. In this letter, I asked for proof of contractual agreement, COMPLETE accounting of the alleged debt, copy of any judgement obtained by creditor, etc. Online Information Services received my letter on XXXX/XXXX/XXXX and in their response to my request Online Information Services did n't provide me with any of the requested documents. Instead, I was sent an incomplete accounts receivable ledger. Not to mention, the date section of this ledger says " XXXX through XXXX '', yet, this debt seems to be from XXXX.
I reached out to capital one in XXXX informing them that I wouldnt be able to pay my full car note each month ( {$220.00} ) and the agent told me that I didnt qualify for lower payments or for me to skip a month and that my only option is to pay {$100.00} minimum each month and that would stop my car from repossession. Around XXXX I believe I started to receive calls from their collection department and I told the agent was the previous agent told me and she said that was correct and that she would stop the calls. Fast forward to today, XX/XX/XXXX, I receive an email from capital one stating that my car is heading for repossession. So I called the finance department just to be insulted by the agent who stated {$100.00} isnt enough when will you get a job Im appalled by the practices capital one has chosen to take when Ive kept up my end of the bargain by making {$100.00} payments each month just to be told oh those only went towards XXXX and XXXX balances. I asked my options today just to be told there arent any and that I simply need to pay my FULL bill or my car will be repossessed. Lets be clear this car isnt even worth being financed. I am on my THRID engine with this car. Im too busy trying to repair it that I can afford repairs and the car note on top of loosing my job. Im just disgusted how they handled this entire Situation. Ive ALWAYS paid my car note in full and the one time I cant Im harassed with threats of repossession. Oh and since all calls are recorded please feel free to go back and listen to all three calls
I have received a credit card application in my XXXX year old 's name, XXXX XXXX XXXX, what do I do? My purse was stolen from my vehicle 2013 including my and children 's social security cards. Nothing came of it until this. Help me with my next step please!
First off ... the balance being reported as of today, XXXX with all three credit bureaus is incorrect. It states my balance is : Real Estate XXXX/NATIONSTAR MORTGAGE Last reported : XX/XX/2018 - {$120000.00} You stated on the response to my complaint : For your records, we are confirming that your principle mortgage balance as of XX/XX/2018, was {$120000.00}. 

*This needs to also be fixed with all the credit bureaus. 

I was to receive an email first regarding the information found by XXXX XXXX after speaking to him on the phone. He advised me that he would CALL me back.

Per all three credit bureaus ... they can not change my credit score per my VA mortgage loan through Nationstar. This was told to me on the phone several times with the credit bureaus. Freezing nor not reporting after a complaint is a direct violation and shows once again ... retaliation on part of Nationstar since this complaint is directed to Nationstar, not XXXX. I have never heard of such a thing, yet only a handful of payments have been reported since opening my VA mortgage loan. 

Per letter from XXXX the final payments had been paid by XXXX as a means to close the forbearance loan. This after XXXX representative, XXXX XXXX misguided me and in turn, XXXX did find XXXX XXXX XXXX negligent. I was also told that my payments would then start reflecting on my credit per month as I have been paying per month, that also included my credit score. I only show 4 payments ... most recent payment for XX/XX/2018 being shown per all three credit bureaus. I do not see one time any increase within my credit score on a VA loan that I have continued to pay monthly.

A mortgage loan should be one of the most single loans that can help increase your credit score. I have paid my payments on time ... yet it does not reflect any points per all three credit bureaus. This would appear to anyone to look as if I am in a rental ... no reflection of helping my credit at all. 

Retaliating against a Veteran .... when filing a complaint, ANY COMPLAINT, should be known to all those who hold a loan with Nationstar, as well if connected with XXXX. 
BUYER BEWARE! 

I will continue my complaints until this gets resolved. You may also want to contact each credit bureau on how reporting increases within each loan for consumer credit score works as they advised me on several occasions that the only ones who can change credit scores is the reporting creditor. On my VA mortgage loan that would be Nationstar or XXXX. 

It did not take, but less than 24-hours for Nationstar to fill out a form and submit to have my VA mortgage loan information corrected. Retaliation by you stating you will freeze any reporting for 2 months by my complaints to the CFPB is just that ... another retaliation. 

The next complaint will clearly show you the correct way that creditors report monthly payments. As XXXX XXXX has done with my loan for years. 

Sincerely, XXXX XXXX 17 year XXXX Veteran
On XXXX XXXX, 2017 these two accounts were deleted from my credit reports after a dispute I filed on both the accounts. Now both accounts have been added back to my reports without the bureaus giving me the proper notifications that they would be added back which is a violation of FRCA SECTION 611.
The credit reporting company has stated that my account for XXXX XXXX XXXX was updated but never once has proven that the debt belongs to me with proof of my signature. They have failed numerous times to provide proof of this debt.
Under CFPB case  XXXX ,   XXXX   XXXX   informed me that they would initiate an identity theft fraud investigation and informed me of the results after 60 days. The 60 days has passed, and I have yet to receive the findings of the investigation. I have provided   XXXX   XXXX   a copy of a police report filed with the  XXXX  Texas police department and a identity theft report from the Federal Trade Commission.   XXXX   XXXX   informed me of the fraud investigation on  XXXX   XXXX , 2017. I provide them the police report and identity theft report via certified mail (   XXXX    ) which was received by   XXXX   XXXX   on  XXXX   XXXX , 2017.
my credit profile has been used illegally multiple times and the listed accounts are not mine. would you please remove these accounts from my profile.
When checking the alternatives for refinancing my home loan with Citimortgage, I discussed various loan options and was offered a XXXX at 2.875 % and a XXXX interest only loan option at 3.50 %. As I wanted to live a long time in the home, I chose the XXXX option at 3.5 % and was given no guidance or advice in the process. Only several years later did I discover the loan will revert to a 20 year amortization period, with much higher loan payments which I will not be able to afford. Had I realized this fact, I would have chosen the XXXX loan with lower payments after 5 years so I could afford to live in the home. I have asked Citimortgage to consider the facts and provide an alternative but they have refused to help.
As a victim of identity theft, I sent a 2nd letter on XX/XX/18 to Equifax outlining the information I was disputing on my credit report. In XX/XX/2018, an address in XXXX NM, that does not and has not ever, belonged to me appeared on my Equifax credit report. Subsequently, on XX/XX/18 and again on XX/XX/18, I received letters from Equifax stating that the NM address had been updated to my current address. On XX/XX/18, I sent a letter to Equifax disputing the NM address. On XX/XX/18, after waiting since my first letter of dispute in XXXX, I received an updated credit report that supposedly corrected all the disputed items. It still has the NM address on it. 

Then, on XX/XX/XXXX, I received from my ex-husband, a letter that was sent to his address where I have not lived for 17 years. It was a letter updating my address from his address to my current address. I called Equifax to see why the letter was sent to that address instead of my current address which they obviously have had since XXXX. They told me that they had not sent a letter to that 17 year old address. When I pressed my concern, because of the NM address, they again denied sending a letter there. Finally, they connected my with a different person in a different department who filed a dispute about both the NM address and the former address which should not still be on my credit report. They responded that this process will take at least 30 days and I will be notified via email regarding the outcome. 

I have had difficulty with Equifax throughout the whole process of obtaining my credit report, freezing credit, filing disputes and communication regarding the identity theft. I have had no difficulties with either of the other companies ... XXXX and XXXX.
My husband opened an account with Coinbase, an online trading tool for XXXX, in 2014. He passed away in 2014 and, to date, despite having provided all the information requested by Coinbase, I have been unable to access his account and sell the XXXX. There is no phone number for customer service and all my email requests for assistance have been ignored.
I applied to get landline from XXXX they gave number, finally i changed my mined not to have land line. They send me bill i called them it is by mistake so dont worry it is cancelled. Finally after 5 month i got a letter system service to pay {$54.00} I never connect for a seconed why do they send me a bill and send to debt collection. It bother me a lot
Capital One closed two of my credit cards accounts without issuing any warning, sending any email, or a letter to me. Capital One accused me of attempting to make fraudulent transactions. I made an online payment on XX/XX/XXXX however due to the high amount of {$2400.00}, my bank did not pay Capital One and the ACH was returned on XX/XX/XXXX. However, on Monday, XX/XX/XXXX, I mailed a paper check for the same amount. The check was received by Capital One on XX/XX/XXXX and it was posted to the account the same day. 
XXXX XXXX Payment from Mail Payment- {$2400.00} Posted : Thu, XXXX XXXX, XXXX Method : Mail Confirmation Code : XXXX Then on XX/XX/XXXX, I made another payment of {$67.00}. 

Capital One without contacting me, issuing any notice, just closes my account. I called their customer service line and explained the problem, they refused to re-open the account. I explained if it was intentional of me to make a blank payment and commit fraud, I would not have mailed the paper check which was not returned by my bank, was paid by my bank, and the transaction was posted in the Capital one credit card account. 

In addition, Capital One closed a second credit card which did not have anything to do with the first credit card. When I called, the representative told me it is the system. I said it can not be system since I have three credit cards with Capital One. If Capital One is accusing juging the return online payment as fraudulent, they should have closed all three accounts. Such bad business practices from Capital One is going to ruin my credit. I never made any late payments on the credit cards, thus Capital One refused to re-open the two accounts for me. Such companies like Capital One should be investigated further for malicious business practices. This credit card companies do not care about consumers. They are just to destroy people and make us go to XXXX and XXXX. 

Now, my credit score will lose a lot of points. Capital One never email me and I found out that the two accounts are closed today XX/XX/XXXX.
On XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. 
XXXX XXXX and the all three-credit bureau continue to report this account on my credit report. I have tried over several times in the past year sending letters and trying to reach each company on the phone to speak with them about this account. This is a duplicate account with a different account number. I receive no response from XXXX XXXX, all three-credit bureaus just keep updating my credit report as been verified as valid account. Im not given any information to whom and how they conducted the investigation, I have asked to show me proof with my signature with an agreement and account number to this account. I still have not received anything. 

Also, I have asked all the credit bureau to verify the Bankruptcy reference number they have listed on my credit report, per FCRA everything that is reported on my credit must be accurate. The reference number they have listed on my credit report is inaccurate and the US Bankruptcy court doesnt report any information to the credit bureaus. They have told me that it has been verified and valid, the reference number on all three of my credit reports are incorrect it doesnt match the number I have on my copy of my Bankruptcy paperwork, discharge papers, nor will it match the court records if they had done the investigation. I have 31 credit inquires on each of my credit reports and most of them are dated from XXXX until now I tried dispute especially with the data breach from XXXX, XXXX said they verified them and they re factual. I tried to dispute my name it has XXXX next to it, I 'm a female I sent them all the Identification they need to prove I 'm a female, there is no XXXX on my name or ID, they refuse it from credit reports. There is a medical account listed in collection I have sent them all the evidence that this account does n't belong to be but to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And this account was paid by the XXXX XXXX program, and I gave them the contact information. They refused to remove the account and said that the account belong to me and gave me no proof of validity that I signed an agreement of financial responsibility for this debt.
I own a XXXX XXXX XXXX. In XXXX I had my vehicle broken into and my XXXX stolen. In the the case I had XXXX titles to vehicles I own. I was doing some XXXX business earlier that day. The titles were for a XXXX XXXX truck, XXXX XXXX XXXX, XXXX XXXX XXXX. I reported the incident immediately to the XXXX XXXX Police Dept. XXXX sent a uniformed officer to take the report as well as XXXX technicians to process the scene. I was contacted by Wilshire Consumer Credit a few months later asking me for payment on a title loan for the XXXX XXXX. I explained to the representative I had never taken out a title loan and the vehicle title had been reported stolen. The rep then transferred me to their Legal dept so I could be relieved of any obligation. ( so I thought ) its now XXXX XXXX after sending countless documents that were requested ( Identity Theft reports, police reports, credit reports, Drivers Licence ... ... Wilshire consumer credit has no only neglected to address the matter they have reported the charge off to my credit report of over XXXX dollars they have refused to release my title by giving me the Run around, Lied constantly about giving me the title back and removing the bad credit mark. I 've spent XXXX on lawyers that have written demand letters. I have correspondence from Wilshire Consumers XXXX dept to my attorney stating they agree that I have no liability in this incident and will resolve the matter in a few days. It 's been months and years and still no resolution. This is my last effort to get something handled before I spend thousands more suing Wilshire Consumer Credit for my property and damage to my credit report. Please Help