WillisBack/dataset-financial-user-claim huggingface dataset:
NCB Management ( XXXX ) was deleted from CR and then re-added without any notification. Added as a new collection which is not true. Also Incorrect Balance owed reporting
Equifax is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting this negative information. 

An investigation needs to be done regarding XXXX abusive and reckless method of verification process. 

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from Equifax, A copy of this dispute will be used as evidence if needed. 

The following information is being reported inaccurately, falsely and unfairly by Equifax. 

XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 

I don't ever recall paying any of these accounts late/after the due date. 

Attached to this complaint, you will find Equifax 's admission to me of how they investigated my disputes. This method they use is faulty and enables a fraudulent account to be placed on my credit file and also enables inaccurate credit reporting. 

Equifax is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from Equifax 's inaccurate reporting. 

METHOD OF VERIFICATION I would like Equifax to provide me the name of the original creditor, the address and phone number of the original creditor, the person at Equifax who verified the dispute with XXXX XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If Equifax can not send me these simple items, then I demand the accounts be updated to PAID/NEVER LATE. 
I do not consent to XXXX as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 

Equifax must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. XXXX can not hold in court as per the noted court cases. 

XXXX v Equifax XXXX v XXXX/Equifax XXXX v XXXX ( Equifax ) The Equifax data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This XXXX model of verification must stop because of the many fraudulent and inaccurate accounts it may create for consumer credit reports! 

At this time, Equifax does not need to falsely verify these accounts again. The only acceptable thing they need to do now is to update them to PAID/NEVER LATE immediately! 

I demand to see Equifax 's method of verification and the documents they relied upon to verify these accounts at the time of my dispute regarding these particular accounts as per the FCRA.
i have two credit cards with capital one ive been with them for years over 10. everything was fine for years then all of a sudden cap one change my due date then always changing my bill amount making me deliquent and always saying im one day late charging me late fee every month but i send my payment in on time and every month and im always a day late they say processsing time is the reason but i sent it 5 days early every time all my other credit card are on time no issues same process 5 days early please help me can you call me i think i can explain better whats going im being over charged by cap one call me please XXXX i can explain whats going on more clearly
I have asked for Equifax to block fraudulent information and accounts from my credit file by filing XXXX online disputes and XXXX dispute by phone. Before submitting both online disputes, I made sure to attach my Identity Theft Affidavit that I printed from the Federal Trade Commission 's site and the Police Report that I filed with local law enforcement, outlining the fraudulent information and accounts. I also faxed all of the information to Equifax, with successful transmission, 9 times!
Over 60 phone calls in a 3 day period and harassment of my children if they happen to answer. They constantly ignore when told to cease all communication..
There are multi accounts that do n't belong to me, I have contacted the them directly and they were very rude, I have disputed them with all XXXX credit reporting agencies and nothing is fixed. I do n't feel it is fair that I pay an attorney to get this corrected.
XXXX XXXX XXXX has constantly sent letters in the mail and harrass me about refinancing my VA Home Loan with them for cash in my bank account after I called their company on numerous occasions that I am not interested in their service. 

I do not want this company contacting me through the mail or phone calls anymore. They are to remove my address and number from their solicitation list and leave me the XXXX alone.
I transferred a {$10000.00} ( estimated ) balance to a zero interest card Barclaycard us & I get my first statement, I have {$300.00} in interest fees! I call the credit card company, she tells me they will do an " investigation '' and get back with me ... .been 4 months & I have heard nothing!!!! I go on the website to change my due date to a different date, when I have more money in the month ( due to the extremely high payment ). I go on the website 2 weeks late & the date is still not changed. You call the number to the company & " their systems are down, please call back at a different time ''. This company is a sad excuse for a business!!!!!!! Terrible customer service!!!!!!!!!!!
Once again, Equifax employees are still retaliating against me by putting incorrect information on my report. I received a letter from them. This time they changed my credit card limit to show as {$0.00} when it is in fact {$1000.00}. I believe this was done deliberately, ( as you know, per my past complaints against them ) although they are claiming they verified the information and have updated it. I do n't believe this is true, so what I have done is written a letter to them that I 've already sent off. They should be receiving it in a few days. In this letter I expressed that I would like 3 things.
1. I would like them relay how they verified this information, who gave them the information, and their contact information. 

2. I would like them to list my CORRECT credit limit. 

3. I would like them to send an updated report ( the corrected version that resulted from my last CFPB complaint ) to all companies that requested my report within 6 months. 

Now with these 3 things asked for in written form, I am hoping to find out ( although I severely doubt it ) if XXXX XXXX is giving them incorrect information, or if it is them again purposely adding false information, for proof. 

When they return the information on how the " {$0.00} '' credit limit was verified and who at XXXX XXXX gave them the information, I will be contacting XXXX XXXX and verifying with them also if they gave the information that Equifax is claiming they have. I am alerting the CFPB ahead of time because I have high reason to suspect this is continued harassment by Equifax employees in attempting to sabotage my credit report with errors on multiple occasions. I 've attached two separate reports. The earlier report is confirmation # XXXX which resulted from my last complaint. That should have been the last thing I had to report. It had been corrected. But they have now changed my credit limit to show as {$0.00}. I 've attached that report. I have already called my bank, nothing has changed. It is still {$1000.00}. Either Equifax is giving false information, or XXXX XXXX. I am willing to bet it 's Equifax, but it is apparent that someone is lying, and there will be proof soon. Because I 'm contacting both either way. When they reply, I 'm letting XXXX XXXX know about my CFPB complaints as well so they 'll know what 's been occurring and will be able to confirm that they are not the ones doing it.
I signed up for a promotional offer on their website on XX/XX/XXXX.

It promised a {$150.00} bonus for receiving a {$500.00} direct deposit within 60 days.

My deposit arrived on XX/XX/XXXX ; per the terms of the promotion, the bonus was due XX/XX/XXXX.

When I contacted the bank, they said they needed more info, such as a promo code and how I received the offer. But as I had said, it was an offer on their web site, with no promo code. I will attach screen shots of the offer and promotional terms.
My loan was escalated improperly in XX/XX/2016. In XX/XX/2016 I called XXXX to secure a deferment as I was unemployed and receiving UE benefits, Food Stamps, and XXXX. I was only offered a Debt Consolidation for those loans. I was unable to accept that option based on research I had done. I advised I would call back after I started work. I called back in XX/XX/XXXX. Although, I had just started working, I attempted to make a {$50.00} payment. The representative said I needed to make {$150.00} payment and could not accept my payment. I was never offered an option to Rehab my loan. I remained in default and continued to live check to check. The other student loans I have with another servicer were with XXXX and were in forbearance/deferment. I have opened every singe communication I had with XXXX. I am not disputing what I owe however I only made XXXX last year and mounting medical bills due to an ongoing condition. I was never notified my loan would be accelerated to the Treasury Department. When I called XXXX last week, I was told they send out a letter in XX/XX/XXXX. They had the correct address on file, as they always have. I asked for a copy of the notification for garnishing my tax return. Not only did they say the couldnt provide, but they also said they had no record of me calling back in XX/XX/XXXX when they declined to take my payment. I talked to XXXX, the manager and he was very condescending. I advise there would have be no reason for me not to have been in some kind of deferment since I was and are still on government assistance. I am now working full time, but I am just barely catching up from being off work. I am also facing eviction because my taxes were taken. I know the government does not require notice if they are taking something, however the servicing contract XXXX has with the government should include proper acceleration of a loan to allow the borrower in financial difficulties to cure. Again I add, I have been on deferment with the other loans I currently have with a different servicer and there would have been no reason whatsoever for me not to have been on deferment or forbearance with XXXX. This should have never escalated to this point. XXXX falsely notified DOE/Treasurer that I was not trying to cure to the point my income taxes were taken.
in XXXX of 2017 Citi mortgage sent a check to pay my taxes ( they do not escrow them ) while in the tax office to pay them we saw the check and told the tax collector to return the check to Citi, which they did, after a couple days we called Citi and they confirmed that they received the check but since then have continued to escrow taxes to the point where a XXXX is now over XXXX $ after repeated calls to Citi, and every time they confirmed payment, they continue to increase the balance on this loan and will not correct the mistake to the point where they are reporting to the credit agencies and my credit has gone from XXXX to XXXX in 1 month, as of now they are threatening forclourse we have never been late or missed a payment, we are getting no satisfaction and it seems like they just want to take the house, do n't know where or what to do next
On  XXXX / XXXX / 2016  I received a title loan in the amount of {$2500.00} from  XXXX   XXXX   XXXX   XXXX . The contract I signed states the total of payments made will be {$830.00} but the annual percentage rate states 111.710 %. The numbers are not making sense and the lender is tying to force me to resign a new contract. The federal Truth in Lending Act Disclosures are part of the contract agreement but the numbers in the contract do not make sense. Please help me resolve this issue. The contract was never signed by either parties.
On XX/XX/XXXX, I received a quickpay with XXXX for XXXX that was deemed part of my " available balance. '' Later that day, I issued a quickpay with XXXX to another Chase Account in the amount of XXXX. 
The next day - XX/XX/XXXX, Chase informed me that the outgoing quickpay was returned, with a XXXX returned item fee. They explained the cut-off time scam in detail relative to my incoming and outgoing quickpays. I asked if I needed to resend the quickpay. One customer service agent, plus a manager, informed me that I needed to resend it. So I did. 
XX/XX/XXXX, I received an overdraft charge of XXXX based on the second quickpay, because the first quickpay was not returned afterall. 
On XX/XX/XXXX, I received a XXXX credit for the erroneous resending of the XXXX quickpay. 
On XX/XX/XXXX, I noticed that the original XXXX plus the additional XXXX were deducted and previous daily transactions were reordered chronologically to show they posted after the second XXXX was deducted, and 3 more XXXX overdraft fees were imposed. I called Chase and they said my " courtesy refund of fees '' were exhausted for the 12 month period and there would be no means of recourse, despite their instructing me that the initial XXXX was returned and needed to be resent. This is ridiculous. I don't care about the fees. I care about the intent behind their disinformation and subsequent maximized profiting based on their knowingly false information and instructions. I fully understand the cut-off time between different banks, and happy to eat XXXX for it ... But they have admitted the error, refunded a fee based on that, and found a way to earn an additional XXXX based on the same transaction.
On XX/XX/2018 I logged into my XXXX account, I saw that my Mileage balance was XXXX. I had over XXXX miles on my account. I called XXXX ( XXXX XXXX XXXX Customer Service with Barclay Credit Cards ) immediately, and was told that my miles expired because I didn't use the card in 6 months. I was so frustrated because I pay the card monthly, so there is activity on the card each month! I was told that " payments '' don't count as activity. I am really upset, because I signed up for this card a couple years ago when I was flying XXXX, and the airline attendants that were " selling '' the card never disclosed to us that we need to use the card ( or what the definition of " use '' was according to XXXX ). The flight attendants stood there promoting and advertising this credit card, and so I applied because it looked like an attractive promotion, but they were extremely deceptive and unfair in the fact that all the terms were not disclosed to us. I called XXXX today and spoke to a representative and she told me in order to get my miles re-activated I had two options, I can purchased XXXX miles for {$25.00} or I can fly with XXXX within 2 months. That is ridiculous! I ended up paying {$26.00} with tax to get the XXXX miles so my total of XXXX miles would get re-activated. This is such an abusive and deceptive act. I want my miles credited back to me and my {$26.00} back. I don't feel that I should pay for this when the terms weren't explained to me.
Around XX/XX/XXXX I filled out a deferment request to XXXX XXXX XXXX XXXX. I never heard back in over 1 month. In XX/XX/XXXX ; I received a letter stating the form I sent was not the correct form and my request was denied. Around XX/XX/XXXX my credit report was reported that my account was 30, 60, 90 days past due and my score dropped 100 points. I filled out another form exactly the same as the previous form and in XX/XX/XXXX I was granted the deferment. I made payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Hi. I have applied for Care Credit which is a credit card meant to help consumers pay for medical bills. I got approved for Care Credit on XX/XX/2018. Care Credit is by SYNCHRONY. I am using XXXX XXXX  to monitor my credit score and when I applied for Care Credit, I received a notification that my credit score went down due to a hard inquiry. I did not check details as I knew it was due to me being approved for a {$5000.00} credit limit by CARE CREDIT. 

Today is XX/XX/2018 and just a few minutes ago, I am SHOCKED that XXXX XXXX reported that my credit score went down again. I checked what may have caused this and now it shows I have 2 HARD INQUIRIES from XX/XX/XXXX ( by something called SYNCB ) and XX/XX/XXXX ( by SYNCHRONY ). I have checked XXXX XXXX FAQs and found out that SYNCB does not even exist and it is an issue consumers encounter when applying for/getting approved for CARE CREDIT.

I am seeking help to REMOVE SYNCB 's hard inquiry. It shows as " SYNCB ''  and it says it's " NATIONAL CREDIT CARDS/XXXX ''. This is an error and I did not approve nor did I start this hard inquiry. I only applied for CARE CREDIT by SYNCHRONY. 

Please advise. 

Thank you.
Experian continues to report inaccurate information on my credit report even after several attempts to correct them. They refuse to fix it. I 've been disputing the accounts of the XXXX for over two years. This is the state government for Child Support, claiming I was late back in 2003. 14 years ago! This account has never been late, ever. 

I even hired a company named XXXX XXXX to help me dispute this, however, it still has not been removed in 2 years. Please help, I have never been late on my child support that this is very embarrassing, showing that I am late on Child Support.
On Monday XX/XX/XXXX at XXXX, Owner, XXXX XXXX XXXX , age XXXX, after presenting two ID cards, revocation of old POA , ( Power of Attorney ), and assignment of new POA signed with Notary public, ( see attachments ), complained about Elder Financial Abuse perpetrated by XXXX XXXX XXXX , ( her son, the old POA ) and was blocked from knowing any information on her investments. That was done with no explanation, despite the pleading by the account owner, my mother, to know the value of her account or any information about her account.

The Bank of America branch managers name is XXXX XXXX. The location of B of A branch is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. We went with mom to the B of A branch, because a week before over the phone, we could not get any info regarding the account. We were told that we must come to the office with two ID cards. In the office, on XX/XX/XXXX, we first met XXXX XXXX, who treated us very nice, and was concerned about the elder abuser, XXXX XXXX XXXX ( son ) of account pwner. Then we met with XXXX XXXX   who made copies of our CA D.L. and B of A credit cards. XXXX XXXX, encouraged us to come back a day later & he will block the abuser from accessing the account and give us, the new POA user name and password to access the account on line & in person. On TuesdayXX/XX/XXXX, we were in court issuing Restraining Order against the Elder Abuser, XXXX XXXX XXXX. On Wednesday XX/XX/XXXX at approximately XXXX, we went back to Bank of America branch and again met with XXXX XXXX . We told XXXX XXXX that we have Restraining order against XXXX XXXX XXXX. XXXX XXXX, made a copy of CA D.L. and B of A credit cards as well as copy of the Restraining Order. He told us he can not provide us with user name and account number, however, tomorrow he will provide us with the user name and password over the phone. Also, he assured us that the Elder Abuser can not access the account and the account is blocked. On Friday XX/XX/XXXX, my husband called XXXX XXXX, and left a message. The following week on TuesdayXX/XX/XXXX I called XXXX XXXX, and he told me that, I needed a new POA from an attorney, the one I had given him which was good for other banks was not good enough for him.

XXXX XXXX XXXX gave us a short note provided by my brother from a XXXX XXXX XXXX, an Internist my brother took her to in XXXX XXXX to have her declared incompetent. XXXX XXXX, was not my moms Dr. nor is board certified. Moreover, mom told me that XXXX told the Dr. what to write. Also, this one letter not only does NOT confirm this but to declare one incompetent in California one must present two complete medical reports to a probate court. XXXX XXXX realized this and dismissed the note, however if Bank of America used this note to block my mom from information regarding her account, they are in a serious ethics and elder abuse violation. Please help my mom.
Debt was incurred on a credit card that was not ordered by me and occurred in a place where I was not. I was going to college in XXXX. Midland credit management also notified me past the statute of limitations.
wells fargo is under scrutiny now. back in summer i was promised on uly 1 interest on my card XXXX to be credited it was not now i closed it and i will not pay the interest. i am tired of the greed lies and poor resolution of this bank. all the dumb calls emails leading nowhere its long overdue for accountabillity not paying XXXX dollars also on my business accouint ending XXXX it was closed without my permission AFTER waivers were promised that never came so i did not use the account. 
wells fargo spends a lot of money paying people to do nothing or send dumb emails and scripts but no hep. resolve both please. i am tired of this horrible treatment, wasting my time etc. and lies i had an account opened without my permission too i will be reporting. SHAME on you. i never gave permission to close business account nor was it appropriate to do so
I lived in Apartment XXXX for 2 years ... when my contract ended, I decided to move in apartment XXXX ... I paid all my dues to move in. After two weeks, I was a victim of XXXX. I could never get in touch with the manager so, I spoke to his secretary to find out what I needed to do to exit my lease because it was an unsafe place for me and my children. The secretary at the time was XXXX.. she called me back and said because I have n't live there long, I only had to pay XXXX . I paid the moneies. 3 months later after I left, the manager FINALY called me and told me I had to pay 2 more months of rent ... I explained to him that I was n't told that ... I asked if I could arrange a payment plan and he told me I could n't do it with him. He also told me I had to wait til the collection company contacted me! I asked why when I 'm trying to work out a plan with him! After he hung up, I tried calling him for TWO months to work out a payment arrangement. I found out later that they rented the property out to someone else. How can they rent it out and I 'm STILL liable for the payment! I ended up settling with the collection agency for XXXX $ but now I want my money back AND for the negative info to be deleted off my credit report! They would n't even give me a chance to pay it! I had to leave the city because of the XXXX situation so, phone was my only way of contact with them.
Mortgage company Seterus is managing my account. I have incurred late fees which they have been unable to explain. I have requested this information on the phone and in writing. I have confirmed that they have my correct mailing address. Each time, I am told that a written response is forthcoming. I need to know about these charges as I have been making my payments timely, electronically. If the problem is with the electronic payment system, I need to seek recourse through them. I have been getting the run around for almost one year,