WillisBack/dataset-financial-user-claim huggingface dataset:
I informed Macy 's of an account I did not have knowledge of until seeing it on my credit report. I disputed with the credit bureaus and they supposedly verified it. I took the next step and filed a BBB complaint as this is a serious issue. I filed the BBB complaint on  X/29 /2017 and  XXXX  from Macy 's executive office responded   XXXX  /2017. Her response provided the opened date of the account and notified me that it was being handled by the fraud department as of  X/21 /2017 which was before the complaint. She also notified me there was no physical copy of the application or signatures to validate the account. In addition she would not mail any fully itemized bills. She stated it can take up to 90 days. I called back on   XXXX  /17 and spoke to   XXXX   directly which she could not provide any assistance. She transferred me to  XXXX  in the fraud claims department who could not verify a phone number or an address. She stated there was no birthday appearing. She apologized and stated someone will mail you something to the correct address. My address was on the BBB complaint which they never once verified previously. Huge red flags.
WELLS FARGO IS WRONGFULLY REPORTING 30 DAY LATES FOR SEVERAL MONTHS FROM XX/XX/XXXX-XX/XX/XXXX. I HAVE TRIED TO CONTACT THEM AND PROVIDED PROOF OF PAYMENT FOR EACH MONTH THEY REPORTED LATE, BUT MY REQUESTS KEEP GETTING IGNORED. WELLS FORGO STATES THEY WILL NOT CORRECT OR REMOVE LATES AND HAVE SENT ME PAYMENT HISTORY WHICH DOES SHOW ALL PAYMENTS RECEIVED IN A TIMELY MATTER WITH NO LATES HOWEVER ON MY CREDIT REPORT THEY ARE REPORTING LATE ... THIS IS VERY CONTROVERSIAL INFO, HOW CAN THEIR PAYMENT HISTORY SHOW PAYMENTS MADE ON TIME BUT THEIR REPORTING TO BUREAUS SHOW LATES .... 
WELLS FARGO HOME XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX Phone number not available Date Opened : XXXX/XXXX/XXXX Responsibility : Joint Account Account Type : Mortgage Account Loan Type : CONVENTIONAL REAL ESTATE MTG Balance : {$420000.00} Date Updated : XXXX/XXXX/XXXX Payment Received : {$4000.00} Last Payment Made : XXXX/XXXX/XXXX High Balance : {$440000.00} Original Charge-off : {$0.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$4000.00} per month, paid Monthly for 480 months Remarks : DISP INVG COMP-CONSUM DISAGRS XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rating OK X OK OK XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX XXXX
I have a Wells Fargo Credit Card. High Balance was near credit limit of {$21000.00}. Trying to improve my credit score to buy a home - I paid {$10000.00} off of the balance in XX/XX/XXXX. Wells Fargo told me at the time it takes 30 days for them to report new balance of {$12000.00} to credit bureaus. It is now XX/XX/XXXX and my credit reports still reflect a {$21000.00} balance. I called Wells Fargo in XX/XX/XXXX to  inquire. They said they would send a letter reflecting accurate balance to credit bureaus. They have not. The false high balance is hurting my ability to obtain a mortgage at a competitive interest rate.
I received a letter from Total Card Inc. that represent the client   XXXX   XXXX   XXXX   XXXX   charging me for a debt of   XXXX   that is not mine.
The date of the letter is   XXXX   XXXX  , 2017, but I just received yesterday and it says the original creditor is   XXXX   XXXX   XXXX   /   XXXX   XXXX   XXXX   XXXX   XXXX  .
I never had an account with   XXXX   XXXX   XXXX   or   XXXX   XXXX   so I don`t know why I am being charged.
I called  XXXX  and they don`t explain anything for me, they transferred my call to several people and no one can explain what this charge is about.
I also called TOTAL CARD INC. that represent the   XXXX   XXXX   XXXX   XXXX   and they also did not know to explain to me what is happening, they just told me that the name in the letter is someone else and they ask me to ignore it, but this charge is in my name and my address, I can`t ignore it!
I have disputed the late payments on this XXXX   XXXX account for months. XXXX  and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
global check services used an invalid account # in XXXX on the XXXX online gaming site I nerver heard of them and they charged me fee 's three of them XXXX on XX/XX/2018 XXXX on XX/XX/2018 ,XXXX on XX/XX/2018 i had money in my account to cover the charges I RECEIVED three letters in XXXX tried to pay what i owe they charged off the account it affected my credit history they say tried contact me by phone they did not send me any more corespondence in XXXX a XXXXXXXX XXXX XXXXXXXX XXXX XXXX contacted me say i owe them XXXX i thought that may be a scam they called me XX/XX/2018 they offered me to pay XXXX i say no called them back an told them to send me a validation notice they said no agree to pay XXXX.
A CASH deposit was made into my Bank of America account and I am not able to access the funds the same day. This is outrageous. CASH deposits should be made available immediately, not the next day. It is not right for Bank of America to hold my cash for a day for no reason. This is beyond the pale of reason.
I have provided Experian and XXXX proof that the ( 2 ) bankruptcies that they continue to report against me are fraudulent. Experian and XXXX get their public record data from XXXX, and the letter that I am providing as proof that these bankruptcies are fraudulent is from XXXX their own public records vendor, yet they both continue to report this fraudulent information, and this is willful and malicious conduct, and this conduct is also actionable meaning that I can file a lawsuit against XXXX and Experian for their continued willful and malicious conduct and I intend to do so if they do not begin to immediately adhere to the FCRA, and discontinue to report information they know to be fraudulent. The attached letter confirms they are reporting information they know to be incorrect/inaccurate. XXXX and Experian need to immediately discontinue reporting both fraudulent bankruptcies. Which are as follows Chapter XXXX Case XXXX Chapter XXXX Case XXXX These bankruptcies are not mine and I have never filed a bankruptcy and I have never lived in the state of S.C. and I need Experian and XXXX to adhere to the law and immediately remove this fraudulent information from my credit files.
I have paid this tax lien in 2014 and it is still is on my credit report. It started with an over payment from employment department, which was paid back by taking part of my tax return. My bankruptcy attorney told me this. I have called on this but keep getting the run around.
My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, XXXX, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading and shady. Something needs to be done about these predators.
Experian and XXXX  both have received multiple disputes from me since XX/XX/2018 regarding two derogatory accounts, one is XXXX   and the other XXXX XXXX.these accounts were disputed because of identity theft and the reason i want it removed obviously.XXXX XXXX collection agency was the first to remove their account from reporting.i attached a document that shows the resolution of that complaint i filed through customer financial protection bureau. Experian hasnt been through in my opinion regarding XXXX, being i have been clear on what it is im disputing but instead of fixing incorrect information, the outcome is either more incorrect than before or unchanged at all. I feel that something isn't quite right so i asked for the full reports of how the investigations were conducted but i have not received those reports from neither fingerhut or experian and XXXX. Unfortunately i have family members who has lost their homes from from the campfire disaster in northern California that barely missed my home and i can't even apply for credit with collection accounts on my report that shouldnt be on it.i want to be able to help my family get through this and make repairs to a second house i own so it can be used. I feel my disputes are not properly handled and little effort to fix them.i pray exerian XXXX  and XXXX recognizes the urgency in fixing these errors.
I have a 30 days late payment in XX/XX/XXXX and XX/XX/XXXX XXXX XXXX acoount # XXXX.I was never late.The information is incorrect.
On XX/XX/XXXX I noticed on my Experian credit report that I had a notification about a hard credit inquiry had been pulled on my credit by XXXX XXXX. I immediately called and tried to get a hold of XXXX to find out why. I do not have or have had an account with XXXX, and I have not applied for credit in any form recently. XXXX had no record of me as a customer, and they did not have an account in my name so they were not able to help me. I checked several times with XXXX credit applications to make sure that there wasn't an application in process, and they also had to record of anyone requesting credit with my ID or SS number. 

Learning this I initiated a credit freeze with the credit reporting agencies to prevent other accounts or inquiries being made without my requesting it. 

Details of the hard pull directly from my credit report : Inquirer Name : XXXX, Inquiry Date : XX/XX/2018 Business Type : XXXX Contact Information : XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY
I as of late received a duplicate of my credit report from this consumer credit reporting agency WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX COMPLIANT in the verification of your consumer credit reporting as DETAILED in the description of eXXXX ( your web based XXXX verification process ) YOUR EXACT XXXXR definition ( per XXXX XXXX XXXX XXXX is that " XXXX is a web-based, XXXX 2 compliant, automated system that enables XXXX XXXX XXXX XXXX XXXX and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit .... '' Within the report I saw that there were negative installments noted in the record history. Since I am somehow very defective in the matter as to the HOW, When and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness. There are two accounts reporting these : 1 XXXX XXXX XXXX  USA-2 late payments 2. XXXX XXXX acceptance - reporting 1 late payment.
In the recent cyberattack against Equifax, my personal information including my SSN, DOB, addresses and drivers license was stolen. I received this message from Equifax : " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I placed a 90 day initial fraud alert on my credit.
When we applied for a loan with Amerisave mortgage, we were required to supply a credit card for an appraisal before we ever got a good faith estimate ( GFE ). Amerisave essentially performed a bait and switch on us by asking for additional items not required by any state or federal law in an attempt to charge even more eroneous fees to pad their bottom line.
I received written communication from XXXX XXXX XXXX XXXX   about an outstanding New Jersey toll violation in earlyXX/XX/XXXX. I disputed the debt because I had an active and funded XXXX account at the time of the validation. I even have proof the account was active ( XXXX XXXX transaction history ) of the valid account less than 1 hour before the alleged violation. I have sent two letters of dispute requesting a validation of the debt via registered mail and received the return receipt but I keep getting collection notices. I assume there was a technical issue with the New Jersey XXXX XXXX system which prevented it from correctly reading my transponder during our trip last summer. The New Jersey toll authority did not request payment from my valid and funded XXXX XXXX account and did not notify me of the outstanding toll and sent the minimal amount to collections.
I have had Rush card for over a year now .. I just bought a new car in XXXX i had my card info in the car due to them needing my bank info, I was sick and did not remove it from my car it had my pin number on the envelope. I had left that my card and meds in the car. someone got into my car and took all my things and drained my bank account. I filed a dispute form on XXXX which they stated in less then 10 days there was no error in my account and closed the claim. Stating i had to file a rebuttal letter which i did on XXXX XXXX. I have called them at least 50 plus times i keep getting the run around.I still to this day have n't received a letter from them which i have requested 8 times. I called again yesterday XXXX to see the status which they said they closed my case again i had them transfer to me to a superior who then claimed i never sent a rebuttal letter and to resend it again and is claiming i have to wait another 90 days for a response. It was over a thousands dollars taken out of my account. I could not make my rent or car payment. Someone stole my card and used it and they are refusing to give me my money or a report on why they will not.
XXXX CO - I purchased a truck from XXXX XXXX XXXX when they would finance the warranty. I have not received payment for the lawsuit filed on them to repay individual who were subject to this financing. When I called XXXX they stated they did not know what I was talking about. How do I proceed to get my refund from them?
On XX/XX/2018 I received a obscure email notification with subject line Notice of decreased credit limit. This was unexpected and very surprising. When I requested further information from secure message online, the reply was : your request was forwarded to the appropriate department. Several days later still no information provided. 
I also sent a message to a social media rep who subsequently connected me with credit management department. They in turn stated that my report is showing some very compromising information that would prevent them from reinstating my credit limit. They refused to provide any specifics over the phone or a written letter in this regard. I have checked with all credit reporting company reports and haven't found any concerns, except small discrepancies, that would justify this type of action. 
As of now my credit reporting from XXXX is further compromising my credit file as a result of this action. 
I have been a customer for many years and never been subjected to such actions. I find it very deceptive and questionable and hope you can investigate this further and help other customers from this type of business conduct from XXXX.
I visited the MB branch in XXXX on XXXX and XXXX XXXX on Monday, XX/XX/2017. I am a XXXX representing a XXXX and I needed to go there to deposit money for the XXXX XXXX XXXX XXXX. The XXXX has a partnership with MB Financial Bank to assist with our counting and depositing of coins, dollars and checks from my XXXX. However, my experience was not pleasant. In particular, I had interactions with XXXX XXXX & XXXX XXXX, two of the tellers at the aforementioned location. Here is what I experienced with these two individuals : 1. Neither employee claimed to have any knowledge of said partnership with my charity. Furthermore, they did not make any attempt to familiarize themselves with my situation. 2. I asked them for a cart to transport the 30+ boxes of coins from the trunk of my car. They reported that they did not have any such cart/dolly. 3. I asked them to help me transport the boxes then ; they said 'no. ' They told me I had to carry the boxes " one by one '' from my vehicle. 4. I was denied access to their coin counting machine. 5. There are no phone numbers for individual bank branches ; let alone specific employees. 6. My overall experience was that these particular employees were rude, unprofessional, and made no attempt to accommodate me. Very disappointing & disturbing to be treated this way ; my only purpose to frequent their establishment was for the purpose of charity & I was not helped at all.
Was checking my credit report from the 3 major credit reporting agencies and notice that information on my credit is incorrect XXXX/XXXX  partial # XXXX, and XXXX XXXX XXXX/XXXX XXXX showing up as negative on my credit and would like these DELETED from my report these have been included in my Bankruptcy Chapter XXXX, bankruptcy XXXX
I just completed a chapter  XXXX  bankruptcy that included the  XXXX   XXXX  home loan. the house was surrendered and the loan included in the chapter  XXXX  with the successful completion of the chapter  XXXX  the loan must now show  XXXX  balance. The updated report now shows a greater balance. this a violation of federal law and the terms of the chapter  XXXX  the   XXXX    XXXX  home loans should now read closed.  XXXX  balance.
I feel that they were steered into forbearance for the first two years of loan. Then I apply for an income-driven repayment plan and I have been paying now for 5 years and loan has n't gone down at all.
I have a judgment on my credit report from XXXX/XXXX. It is saying unpaid but I finished paying in full of XX/XX/2015. I was told multiple times by XXXX that it would be updated but it has not.
I submitted a complaint to Transunion regarding an item listed on my report by XXXX. The account has been on my report since XXXX and has already been removed from the other XXXX bureaus. The dispute was initiated on XXXX, it is now XXXX, this dispute has surpassed the alloted time period of 30 days and I demand that this item is removed from my report immediately. 

Here is a copy of the original message : I have an account on my Trans-Union credit report from ( XXXX XXXX ) that has been found invalid and removed from XXXX and XXXX. The account had been previously deleted but returned and has now been on my report since XXXX, I would like for this erroneous account to be deleted.
On XX/XX/19, I ordered approx. {$2500.00} of furniture from a XXXX XXXX Store in XXXX XXXX. The salesman told me I could save an additional 10 % if I opened a XXXX  XXXX credit card, so I did. The card is administered through XXXX XXXX Since then, five weeks have passed and I have received {$120.00} in " rewards. '' I believe {$50.00} of that is a signing bonus. The problem I'm having is with following-up on the remaining {$120.00} in rewards I was promised. Upon logging in to my account on the XXXX XXXX website, there is a reference to " awards '' but the amounts don't match what I received. On tab identifies " bonus rewards '' and a separate tab is for " design rewards. '' In addition, the store has a program called " XXXX XXXX. '' Upon requesting clarification by phone, the XXXX XXXX rep was unable to explain, saying, " we don't have details about all the promotions offered in stores. '' She referred me to XXXX XXXX 's customer service department, which also was not able to provide a full summary of rewards issued and pending. The rep said I could send an email to someone in XXXX XXXX ( no phone #. ) After I explained that an email wasn't going to be sufficient, the XXXX XXXX rep went to the extra effort of getting a XXXX XXXX representative on the line, and it got sorted out. 

My complaint is that there is not a consistent channel for information about rewards based on purchases made using a XXXX XXXX credit card. Some rewards are available only for credit card holders, while others are generated through promotions available to any shopper. Recipients get cards in the mail saying " your bonus reward dollars have arrived '' and it is not clear what the amount is based upon. None of the awards appear as cash-back on the credit card, which is what I expected. The 10 % is not a rebate, it's a coupon for future purchases. No one at XXXX XXXXk, XXXX XXXX or XXXX XXXX can provide a complete picture. The impression left behind is that XXXX XXXX cardholders are getting the runaround with confusing promises and messages about rewards.
I 've had a Direct Express Debit ( MC ) Card for 2 1/2 years ( only VA & SS benefits can be deposited on this card ). On XXXX XXXX, XXXX, my card was hacked and {$1000.00} was removed. I informed the card Fraud Div. of this on XXXX XXXX, XXXX, immediately after learning of this incident. And, I immediately returned the fraud papers ( the same day ), they sent to me to fill out. I was told ( via phone call ), they would deposit the lost money to my card upon receiving my returned fraud papers, which happened many weeks ago. To date ( XX/XX/XXXX ), the money has not been returned to my account.
I borrowed XXXX and have paid XXXX so I feel as though I have more than fulfilled my loan. The apr is 784 %! Please help
Have been doing this with Experian since last year - I have attached the previous disputes like requested. I have specifically asked that I be sent valid proof that these accounts belong to me. Not a piece of paper that states that it has been updated. I was verifiable proof that each account that I have been disputing is 100 % mine and accurate - If that can not be given in the time frame of the 30 days that are permitted, then each and every account that can not be verified needs to be deleted from my credit file immediately.
I have recently checked my consumer credit report, I have contact the credit bureaus, I was instructed to contact you regarding these hard inquires made on consumer report WITHOUT my expressed written or verbal consent.