WillisBack/dataset-financial-user-claim huggingface dataset:
My Union Plus credit Card ( now under XXXX XXXX umbrella ) representatives have told me twice that I can not pay down my high interest ( Cash Adv 14.99 % ) until I pay down my low interest first ( 11.9 % ). They stated this with no unclear terms stating that this was the allocation method of my credit card. I recorded the second call in full to prove that they are misleading me and therefore other consumers. I have been paying other credit cards with lower interest rates first because of their misleading feedback. In this recorded call, the supervisor claims that this must be an " educational error '' and will address the managers. However, for 2 representatives to claim definitively that Iower rates must be paid first leads me to believe they are prompted by the company to mislead consumers so they continue to make maximum profits. The supervisor assured me that they were wrong and that any payment WILL AUTOMATICALLY be applied to my highest interest balances. I am going to make a payment above the minimum to verify that it does. If not, I will make a second complaint and escalate the problem as best I can.
Cahnet USA is denying me their offering of pre-approved credit because I am XXXX. 
In addition Cashnet USA has sold my personal information on the black market. I know this because the exact information ( uniquely coded so I could track its use ) I gave Cashnet USA was used to steal my identity.
In response to an ad for a free initial evaluation and XXXX, I went to XXXX XXXX on or about XX/XX/17. I received the initial evaluation and XXXX were taken. At several times during my visit, I asked to confirm that what they were doing was free of charge and was told every time that the initial evaluation and XXXX were free. I was then given an estimate for dental work needed. Since I could not get financing for {$7500.00}, no further appointments were scheduled. 
When I received an invoice from XXXX XXXX, I responded with a dispute letter and explained what I noted above. I received another invoice from XXXX XXXX. I called their office and was told that was my deductible. They did not care that it was advertised as a FREE initial evaluation. I have called, left messages and written letters. I have received no response from XXXX XXXX. 
I then started receiving invoices from Computer Credit Inc. I responded to the first one with a dispute letter stating again that I was told the evaluation was supposed tone FREE. I have since received three more invoices from Computer Credit.
In XX/XX/2018, I received a summons from XXXX XXXX law firm regarding a XXXX XXXX credit card business account that had been closed with a remaining bance of {$2200.00}. I called the law firm on XX/XX/2018 and made a settlement agreement to pay {$700.00} in exchange for XXXX XXXX reporting the account with a {$0.00} balance. The call was legally recorded for sufficient evidence. I paid the {$700.00} in XX/XX/2018 and received paperwork from the firm stating the settlement was paid in full. XXXX XXXX changed the balance from {$2200.00} to {$1500.00}. The agreement was for a {$0.00} balance. I called XXXX XXXX and disputed the with all three credit bureaus without any success at almost 60 days beyond the satisfied agreement. I will upload documents and recorded call if possible.
During a recent dispute with the company, I sent out 4 letters via certified mail and did not receive a response. Final notice, intent to file suit sue was sent on the XX/XX/2018. Prior to that, I sent the 3rd dispute letter on the XX/XX/2018, a 2nd dispute letter of the XX/XX/2018, and initiated the dispute process on the XX/XX/2018. I received no response or remedy to said letters or issue.
Equifax refuses to remove unverifiable negative information on my credit report. They continue to show a charge off of an XXXX, unsolicited account, # XXXX, claiming I was a personal gaurantor on this account. I have repeatedly requested both Equifax, and XXXX, to show me ANY documentation with my signature as gaurantor, in any capacity on this account, and they have not been able to do so. Both XXXX and XXXX have investigated this issue, and have removed it completely from my credit history. I am respectfully requesting that you look into this matter with Equifax, and if as they claim, have signed documents that I was personal gaurantor on this unsolicited corporate account, to please mail me said documents so that I may see it for myself. Other than that, I feel you should require that Equifax remove this item completely from my credit history, just as XXXX and XXXX have. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX : XXXXXXXXXXXX : XXXX, Acct . # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX
on XXXX XXXX i file a consumer complaint with tranunion XXXX XXXX about my acoount i ask them to validate the account for the XXXX XXXX XXXX XXXX for {$7400.00} and also XXXX  XXXX XXXX  {$1000.00} and university XXXX XXXX for {$310.00}
On XX/XX/XXXX, I received a letter from CHASE Cardmember Services ( dated XX/XX/XXXX ) advising they are closing my account due to inactivity. The number provided to reach CHASE is outlined on the letter as XXXX. This is a non-working number. I have always had the understanding that closing a card can have negative impact on your credit score so even if I am not currently using the card/ have outstanding balance, I leave the card open. Can they just close the card and cause a negative impact on my credit score? Their note states, " We regularly review accounts to determine how customers are using our products. During a recent review, we found that you haven't used your card for an extended period of time. For this reason, we will close the account in 60 days as of the date of this letter. You may use the card until it closes but using your card won't keep it open ''. I have other cards that have been issued since the XXXX and they haven't closed them for inactivity. My main concern is the impact on my credit score. It is already deteriorating quite a bit since I lost my job in XX/XX/XXXX and have kept paying my house note since that time. My payments are becoming more and more late due to the fact I have now wiped out my savings and have just about used all the retirement funds. I know this has dropped my score several points as I just reviewed my score recently and see it has dropped almost 200 points. I have had other accounts 'close ' or the limits reduced, I am assuming they periodically run the score and note the deterioration. I have always paid my bills. In fact, I have paid some of these cards off more than once. I do not think this is fair. People file bankruptcy daily and continue to get credit. It's crazy. I feel like I am being punished for doing the right thing and paying the debt, even if it is paid late and on top of it, this card has nothing to do with that. Just a note saying closing for inactivity. My request is this? Please outline their rights relative to closing the account. If you agree this will negatively impact my credit score, please outline steps I can take to combat this action. 
Regards, XXXX XXXX
I was a victim of identity theft due to a massive data breach via XXXX and other agencies. My personal information was compromised and accounts and other items were opened in my name. I attempted to resolve the issues with all three credit reporting agencies. Even after submitting police reports, FTC affidavit and other items, the three credit reporting agencies refused to removed the erroneous accounts from my consumer report.
Ive had XXXX XXXX account for quite some time and always made on time payments. Com to find out last payment was made a few days ago and account closed right after and my credit score dropped about 50 something points. I don't understand because i clearly was building credit history for then this to happen. It clearly doesn't make any sense. Ive been making on time payments ever since.l and to just lose points after finishing paying the account is just not fair.
I requested a credit investigation two months ago. Well over 45 days have passed, and I have not yet received a response from XXXX or Trans Union.
i have tried to get these two collections off of my credit bureau report through all 3. They are very old. XXXX and XXXX.one of  the companies are no longer in business and XXXX XXXX XXXX is still trying to collect for {$120.00} and XXXX XXXX XXXX is not in business anymore. 

XXXX XXXX service is an old account for {$120.00} and has been paid. They will not take it off. Its old from XXXX. Actually XXXX.
I asked for full investigation including verifying all information which they did not do. Date Opened is not correct, where is the proof. The last activity date of XXXX 2013 is incorrect, the last payment was XXXX 2013. FCRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
The Western Union Netspend card is only XXXX of XXXX prepaid cards I use to pay bills and receive deposits. This year I decided to apply my tax return ( both STATE & FEDERAL ) not knowing the amount of hidden fees that was attached to this card. I learned there is a {$720.00} daily ATM limit, however ; there is a cut off of $ XXXX {$300.00} per ATM withdrawal. Each ATM withdrawal has a {$2.00} fee attached. There is not option to increase your limit to illuminate the fees. I signed up for a monthly plan fee thinking it would save money but the card makes the money back once I make a withdrawal. I have attached a spreadsheet of the fees since XXXX ( {$290.00} ). 
If statements are needed I will be more than happy to fax them to you. These cards are only a setup to KEEP struggling consumers in a hole that is ALREADY TOO BIG!!!
I sent a Letter to ECMC disputing the accuracy of negative reporting of Charge off on my credit report for student loans that were through XXXX XXXX, I had, had them deferred back in XXXX for 6 months and then in XXXX XXXX, they were paid off in full. Those letters were sent out XXXX Certified letter on XXXX XXXX, XXXX, signed for on XXXX XXXX, XXXX. After 30 days I never heard a response back from ECMC. I 've disputed inaccuracies with ECMC back in XXXX as well, sent a letter out on XXXX XXXX, XXXX they refuse to respond to my letters requesting " that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them this debt and therefore has broken the law by not reporting in a timely manner.
In XX/XX/XXXX/XX/XX/XXXX I went into pre-foreclosure with Wells Fargo Home Mortgage. At that time the balance on my home was approximately {$140000.00}. I requested a loan modification from Wells Fargo which was approved however, they started the term over on my loan and the new balance was more than the original amount owed on my home. I had requested a breakdown of all fees associated with the modification and never received anything. I want this investigated because it seems that the modification was more in favor of the bank and Wells Fargo has been know to have some questionable practices. I am currently still in my home but owe more than it is worth at this point due to the modification.
i had gotten a call from XXXX XXXX from florida telling me I wasapproved for a XXXX loan so right then times were tough so I presued the offer after we got the application started they started hittng me with all kinds of fees to which I had to send them over XXXX and still have not received the loan from them. I sent all the money through moneygram. each time I talk to these people they r wanting more money from me. now they are wanting me to send them another XXXX then they said I will get the loan. all I want is my money back
I filed a dispute with Experian in XX/XX/XXXX and called to dispute inquiries that I do not recognize on my report. They would not delete the unknown inquiries. I had my social security card stolen in XX/XX/XXXX so these are fradualiant. 

XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance Companies - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Credit Unions Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Credit Unions Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance Companies - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Reseller Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
This debt was being sent to a wrong address on file. It was updated at the time of visit but never entered into the system. I pulled my credit report and saw this on it. I immediately called and verified they had the wrong address and paid it right away and asked for it to be removed since this was not my fault. They said they would and it is still on my credit report
On XX/XX/XXXX, I submitted a complaint # XXXX. I submitted this complaint to request that CFPB help resolve, help bring awareness and help bring relief to a very serious, and now illegal, issue .XXXX XXXX XXXX was and is garnishing my wages for over a year now. they have never offered any XXXX/Student Loan forgiveness or forbearance to me at anytime. At the time of the first complaint I had no correspondence from the loan agency, XXXX XXXX XXXX claim they are collecting for, for over 5 years. ( I am XXXX years old, I graduated in XXXX. ). Prior to this I was told by the loan agency that I should wait for a reply to my multiple request tor XXXX and/or Student Loan Forgiveness, Forbearance, etc. 
A year ago I received a letter stating that my wages would be garnished. I was not given a hearing to attend on this matter of over {$25000.00} and no legal rights to state my opinion or provide proof of evidence in the matter.to the judge at this hearing. 
I then saw that money was taken from my pay on the statements without documented calculation, pay schedule, etc. AND IT IS STILL BEING TAKEN ( I do not even know the amount until after it is taken ... ... .each week ). 
I was told that there is a CLASS ACTION LAWSUIT against companies that are garnishing monies from prior students without the option of forgiveness or forbearance, etc ... XXXX 
I will be sending CFPB presented documents as I continue conversations to be included in the lawsuit where ever I am directly connected. 
Sincerely, XXXX XXXX.
Wells Fargo has and continues to encumber my property at XXXX XXXX XXXX XXXX RI XXXX with a fraudulent, forged mortgage. The mortgage for {$320000.00}, recorded on the property, on or about XX/XX/2008 is invalid and should be removed from the XXXX RI land evidence records. I would like a full investigation into the matter and to press criminal charges against Wells Fargo.
This is a continuation of XXXX # XXXX As of yesterday I received a letter from Wells Fargo stating that we said the consumer never provided services. This is NOT what was to them and this NOT what was sent in WRITING to them as well. It stated for me to call XXXX XXXX XXXX XXXX in this letter they sent me and to speak to a XXXX person XXXX for further questions and assistance. Called yesterday twice was told I would have a returned call by the end of the business day this did not happen. I called again this morning not at her desk. Nobody is willing to help us she does not return phone calls. 


We opened a business account at Wells Fargo, We used our debt card with XXXX logo for a purchase that turned out to be fraudulent. We received notice from them stating it was fraudulent. Then we were told our business account was opened incorrectly, and we had to open a new account. About 1 month after we were told that it was deemed fraud they came back and said it was n't. I talked to XXXX customer services, and their visa department got absolutely no where.
I do not believe that my Chase Credit Card ending in XXXX has ever been late. I question the accuracy of the " late payment '' that has been reported to all three bureaus. Per XXXX XXXX, the late payment posted on XX/XX/XXXX, dropping my score 38 points from XXXX to XXXX, only to disappear the very next day on XX/XX/XXXX, in which my score per XXXX XXXX rose from XXXX back up to XXXX. On XX/XX/XXXX, the late payment reappeared, dropping my score from XXXX to XXXX. Since then, I have attempted to apply for credit and have been negatively affected by this supposed " late payment '' that has appeared, disappeared, and then reappeared. Something is definitely wrong with this account as it has been reported, it has had a negative effect on my ability to get credit from reputable financial institutions, and I request that the account history from all three bureaus be updated to reflect " paid as agreed '' on this account. Please see all my other accounts as a reference to my positive credit behavior, and please help me resolve this potentially invalid information so that my payment history can be accurately and positively reflected.
XXXX XXXX XXXX XXXX account was paid and closed in XX/XX/2006 and is still showing as an negative account, it was sold or transferred to a different company, tried to call the # on the credit report, that number is no longer in service and belongs to a different company that pertaining to the original Creditor or agency that my account was turned over to.
On XX/XX/2018, I received a mortgage statement, total payment requested was {$9600.00}. In an attempt to bring my mortgage current, on XX/XX/2018, I sent by XXXX to Wells Fargo N.A. a check in the amount of {$11000.00}. The check was received by Wells Fargo on XX/XX/2018 at XXXX XXXX and was signed by XXXX XXXX. There was no communication from Wells Fargo N.A. after the cashiers check was sent. Today, XX/XX/2018, Wells Fargo returned the check for {$11000.00} to me by XXXX   with a letter stating that they would not accept the payment. The letter simply stated that Wells Fargo N.A. apologized for the inconvenience. 
On today, XX/XX/2018, I made an attempt to contact Wells Fargo by phone. When I explained the situation, the person stated she would have to transfer me to someone else. I stayed on the line but no one ever picked up the phone to speak to me. This has been a recurring situation with Wells Fargo N.A. They have consistently been difficult to transact business with. I did not apply for the loan with Wells Fargo, N.A. My original mortgage company was XXXX XXXX XXXX. Wells Fargo, N.A. brought the loan from XXXX. It has been a nightmare every since. I am a veteran and concerned about becoming homeless due to the practices of Wells Fargo, N.A.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed .Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA -they are required to ... promptly delete all information which can not be verified. " that I have disputed.Please resolve this manner as soon as possible.Thank you
My Equifax credit report, shows up XXXX different address for myself, though only XXXX of them is correct and the other XXXX, to be cleared of error. Here is the Right adddress of mine ... 

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , NC - XXXX. 

I would like to get this fixed at the earliest. 

Thanks, XXXX.
There are three items on my credit report that have not been active in over 7.5 years. 
1. XXXX XXXX / XXXX, partial acct # XXXX, address id # XXXX. Experian has thus far refused to remove it despite being inactive over 7.5 years. 
2. XXXX, partial acct # XXXX, address id # XXXX. Experian has thus far refused to remove it despite being inactive over 7.5 years. 
3. XXXX XXXX XXXX, partial acct # NC, address id # XXXX. According to XXXX themselves in records sent to me XXXX XXXX, 2016 this account is well beyond the the statute of limitations and beyond the time XXXX may report to a credit bureau. They also confirmed via telephone that this is the same XXXX account listed earlier, and that both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX are owned, partially owned, or affiliated with XXXX, XXXX. Experian has thus far refused to remove it despite being XXXX inactive for over 7.5 years and a duplicate reporting of the XXXX XXXX / XXXX listed earlier as # XXXX. 

An acceptable solution is for Experian to delete all XXXX of these accounts from my credit report immediately. I have provided all the above information previously and Experian continues to reply that it is insufficient for their investigation despite their own report listing the exact information provided above. Both XXXX and XXXX XXXX are either not reporting or in the case of XXXX have removed the duplicate and aged out account.
This is a medical bill at the time of the service I was unaware that my medical lapsed. I contacted medical the following week and the back dated the coverage for any care received with in the last 30 days. This care was included and I offered the medical information several times to the agency and they neglected to bill the insurance appropriately. I need this item permanently removed off my report. As it is false and is not my debt