WillisBack/dataset-financial-user-claim huggingface dataset:
I have attempted to make a dispute/access my credit report via straight from the Equifax website as well as over the phone on several occasions. When calling/accessing online I am asked to answer security questions, and when doing so ( on both telephone and online ) there is an incorrect error ( message or automative response ) that is without a doubt incorrect on THEIR behalf. I am unable to even SPEAK with someone from the Equifax department, or chat online, about disputing a FRAUDULANT item on my credit report because I am unable to get past this " fraud alert security screening '' process. This is ridiculous. I am trying to repair my credit score, which is exhausting enough, but when I do so, and I am unable to repair it because the credit bureau has the incorrect information makes the situation seem hopeless. Obviously, I have n't given up yet if I am submitting this complaint with you guys in hope that this problem is resolved.
I received a text message from what appears to be an HSBC address saying that suspicious activity has been detected on my account, and to verify my account details to prevent suspension of my account. This seemed fishy XXXX, so I called HSBC directly since their website does not allow me to log in unless I have an active account, which to my knowledge I do not. The phone system HSBC employs will also not allow callers to speak with a representative unless they either have an active account or lie about the nature of their call. In my case after a half-hour spent trying to navigate through their many menus and failing to get a live operator, I pressed the key sequence to tell them I was interested in opening up a new account, which produced ( surprise, surprise ) a live operator waiting to take my money. After explaining the situation to this operator, they told me this was a fraudulent text, but could otherwise not assist me to make sure that there was no other fraud happening in connection to my identity or former account information. 

While I completely understand HSBC has no controls over scammers using their name in their attempts to commit fraud, the fact that HSBC makes it not only difficult but nigh-on impossible to speak with a live human being goes beyond the pale, especially since they are active targets of fraud attempts. As a past customer of theirs whose vital details are in their system, I find it extremely alarming that they care not one whit for customer relations unless you are handing them money on an active basis. After all, I have no control over or knowledge of their IT infrastructure and they clearly have little to none either.
XXXX XXXX XXXX Credit card account balance shows XXXX. I have never applied for the card nor am I aware of this card and I never banked with XXXX XXXX XXXX. 

I had recent credit check done by homeland secuirty and that is when I noticed this issue. I have tried many times to get this problem solved but nothing happens. This is not my credit card nor my charges and I need this removed off my credit report. I have provided more then enough proof and documentation for this but XXXX XXXX XXXX is not responding at all.
I had a cash payday loan with cash express have been paying until I got in a finical bind, I tried to talk with them to see if they had some kind I payment plan or something I could do to make paying easier they said no and refused to work with me, now they have started harassing me by calling my home demanding money and also come to my home demanding their money and leaving letters on my door when I am not at home is there any way to stop them from coming to my home
On XX/XX/2018, a written request was sent to them to stop all ACH debits from my bank account. Since then, theyve continued to deduct six more times, {$36.00} each, totaling {$210.00}, as today. This doesnt include NSF fees I have incurred due to them deducting money from my account.
My account information was compromised by the Equifax hack that occurred in XXXX XXXX, and was announced in the beginning of XXXX XXXX.
SourceRM is representing XXXX for an alleged debt they say that I owe. SourceRM failed to provide the Oral Agreement, transcript, that I had with XXXX. XXXX  Breached its contract and that Breach resulted in the alleged debt of {$470.00}.

On dozens of occasions, orally and in writing, I tried to settle this debt to avoid the horrible tactic of this collection agency. They will not remove this inquiry from my credit file and evasively try to get me to pay the debt without removing the alleged debt from my credit file. To be clear, I do not acknowledge the debt and I am merely trying to pay this to debt because it is costing my a lot of money in excessive interest charges from potential lenders.

SourceRM is not operating in accordance with the Fair Credit Reporting Act. As a result of my contentment and possible upcoming legal action, SourceRM is in the process of selling off this debt to wash their hands of the debt vice closing the debt. This company practices and ethics are unethical and a violation of my rights.

Additionally, one Credit Reporting Agency has already removed this debt from my credit file but 2 others are pending.

SourceRm XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX
this company dropped my credit score about XXXX point with no apparent reason and are refusing to delete an item even though i sent them the deletion letter from company on XXXX XXXX my credit score was XXXX now it XXXX with no apparent reason and they have multiple duplicated inq on my account
hello, I have been working with Navient on a lower payment plan. This is now my second time dealing with this same issue which was actually handled by CFPB last year. I spoke with a woman named XXXX at XXXX ( ext : XXXX ) on XX/XX/18 and we discussed numerous financial struggles I am currently facing. They had me set up on a rate reduction plan originally for $ XXXX/month which with debt/income ratio, it was putting me negative every month. At the time, the IRS depleted my bank account, my finance left me, and my co-signer passed away. On top of all of that, my parents went homeless. She was able to set up a lower plan. I have three loans : loan # XXXX, XXXX, XXXX. For # XXXX, we set up a forbearance ( {$50.00} ) until the end of XX/XX/XXXX ( confirmation # XXXX ) and for loan # XXXX & # XXXX, she set up a monthly payment for {$220.00} ( XX/XX/XXXX-XX/XX/XXXX) with a payment of {$78.00} what would be deducted for the month of XXXX XXXX. ( confirmation # XXXX ). This was a plan that I could work with. As of today, I received a phone call stating that said my program was not set up right, there was an error, it was not done right .... and I had no option but to pay another {$100.00} a month. A supervisor ( XXXX ) I believe her name was XXXX or close to that ( we spoke at XXXX ) said that XXXX set up the program wrong and that there was nothing else they could do. She quoted, " oh, XXXX did not set this up right ''. If a company makes a mistake, isn't it on them to try to make the customer comfortable not try and blame the problem on the customer?? Ironically, when asked to speak with XXXX, I was told " she no longer works for this dept ''. I am getting frustrated because every time I set up a rate reduction plan with this company something happens on their end and some how it's on me to come up with the difference. I need help because I can't afford to go negative again or destroy my credit because of ONE more mistake that they made on their end. I just don't understand why I have to pay more for a mistake that way made on their end. I don't feel valued with this company and I feel like they don't respect or care about their customers. Please help me.
Accounts XXXX XXXX  XXXX, XXXX  XXXX weren't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested Equifax to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
ABR Recovery Services LLC has reported a 2nd account for collection to XXXX   recently which has incorrect information and has not be submitted to me in writing. This account is being reported as being opened XX/XX/XXXX which is not correct. It also is showing a date of XX/XX/XXXX as the date of 1st delinquency, which is also not correct. With a balance amount of {$1200.00}. This debt is being falsely reported to XXXX  in an attempt to collect a debt that I am not liable for. It is being reported the original creditor as XXXX, with incorrect information.
Hi there, I had purchased 6 plane tickets between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX which I thought I was using my XXXX XXXX credit account and then I realized I was using my XXXX debit card which was linked to my Bank of the west account and I had no money on the XXXX credit so all the charges started going to the bank which I had almost XXXX in the account but not enough to cover the total cost of the tickets. While this is going on I am also disputing 4 charges XXXX, XXXX, XXXX and XXXX. The dates were wrong on the tickets which were XXXX and XXXX and the XXXX XXXX charges are for credit that I thought was being deducted and I was going to be given credit but they charged me XXXX each ticket which is also in dispute. My ending statement for XXXX XXXX was positive XXXX. Now my statement from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX I had a balance of XXXX and I was charged XXXX in overdraft fees. I called the bank and explained to them what had happened but they did not offer me any help and their fees on my statements just say fees for different amounts without any detail.Now XXXXXXXX has been trying to collect their money from for charges that I made using my XXXX XXXX card which remember I thought I was using my XXXX when actually the XXXX XXXX went to my bank account to get the funds that were not there.They send in each transaction you make twice to the bank so I get a charge of XXXX each transaction that goes into the bank. XXXX XXXX said they would help with some of the charges but I do n't understand my new bank account did not give me any options when I called them about this. So this statement I am now at - XXXX because I had a bank wire that came through the bank which was supposed to pay my rent not overdraft charges that I am so far in over my head with and do n't know what to do.I do not remember opting in to the overdraft protection or signing for it. I really could use some help The bank has really drained my account with fees and not offered any help. I now also have a XXXX balance on my XXXX XXXX debit card which was XXXX balance before all this mess. I do not know what else I can do. I really need help around this. I think the bank has taken way advantage of me and should not be able to charge me all that money which I am now facing eviction for lack of money they took from me. Please help XXXX, XXXX XXXX XXXX
XXXX/XXXX/XXXX I am XXXX XXXX XXXX with residence in XXXX XXXX XXXX XXXX XXXX TX XXXX. On multiple occasions I have asked the cooperation of different institutions of customer protection against the actions of Chase JP Morgan which is the creditor of my mortgage : loan number XXXX. 

Since there was a transition from the first mortgage provider to Chase, we present inconvenience with this institution until it ended with the intention of foreclosure and almost sale of property by Chase Bank Morgan without my knowledge. 
So I had to file a bankruptcy chapter XXXX to prevent the sale of my property which had been paying according to the agreed terms with sacrifice. I have always expressed concern, and I have requested a review of my payment history since they do not coincide with my bills and documents in my hands. 
Some of these documents are annexed to be reviewed so they give me a chance to face with officers of the institution and XXXX time for all take me out of my doubts and at the same time give me peace in my daily life. I also wish to explain me the following points : 1 ) Why the Escrow was short by more than {$6000.00} ( XXXX XXXX dollars ) if my annual payment for home insurance was less than {$700.00} per year and the payment of taxes was less than {$1000.00} annual? I annex copies of tax collections. 
( 2 ) Where is the payment of more than $ {$1400.00} that the Court made to that institution on XXXX XXXX? ( See attachment ) ( 3 ) Until and after approved the modification I made my payments according to the instructions of XXXX XXXX XXXX, responsible for the modification in Chase Bank XXXX. Now I am victim of harassing and increasing of fees for failure to pay when I have more than 2 ( two ) years of not failing in any payment. See appendices for copies of receipts and payments where they say that I have more than two months overdue and are charging me penalties for alleged payment delay. I also included receipts for my automated payments of the past XXXX months ( 4 ) In addition, in these documents ( annexes ) point out that the money that FHA ( {$20000.00} ) gave to lower my monthly payments and be more comfortable was added to my balance, although there are other adjustments, by the way, nobody has explained to me, and I ended up with a higher balance than the original loan. 

For the points before described I want to have a face to face meeting with a Chase officer to look for a solution of this situation. Also, I want a guaranteed to stop harassing me and invent more problems where they do n't exist, that they correct my records as a good payer during these more than XXXX months of paying on time and complete. In addition, that Chase report to all credit bureaus in the country of my good financial condition, responsible for my debts. 
As well as sending letters to all the companies where I have applied for credit on my behavior in my payment responsibilities, and that everything will be, as I asked before, face to face with an officer to correct and improve the relationship between customer and institution. 

Sincerely, XXXX XXXX XXXX XXXX : CFPB XXXX FTC Consumer Proteccion of Texas XXXX XXXX, XXXX, XXXX
I have verbally stated over the phone on our and their recorded lines not to call me at work and only call the cell number. They still call at work and my boss is n't happy. They call my cell multiple times a day. I work a full time and support my husband who is on XXXX XXXX times a week.
In accordance with the XXXX XXXX Settlement, I believe Chase had to settle the second mortgage on the property so wrote it off in order to foreclosure on the Washington Mutual Bank FA mortgage. If you look at the documents I will provide, it went into collections in XXXX and then in XXXX after it was written off, JPMChase removed almost $ XXXX from my checking account. It has taken me years to the get the accounting for this account and as you can see, there is no credit for the $ XXXX. Where did my money go?
I have been trying to work with the Navient company in correcting a mistake that has happened but they keep giving me the run around. The mistake is my Student Loans where defaulted on when they were suppose to be in Deferment and or Forbearance because of my XXXX XXXX status during a time of XXXX. The first two years of my XXXX XXXX time they were in Forbearance and then were taken out for some reason. But it is not my fault that they did not scrub the XXXX database to ensure i was XXXX XXXX. An i worked with them in XXXX XXXX, XXXX and XXXX, so they were aware of my XXXX XXXX status.
I have been contacted several times by an automated call asked for someone who does not live with me and whom I do not know. Most calls went to my answering machine, but when I was at home I answered, waited on hold for a representative and explained that I did n't know who this person was that they were looking for and to please stop calling my house. I was assured several times that I would n't receive anymore calls, but they keep coming. Yesterday a message was on the machine from XXXX, who in a very threatening voice said that his company had spent enough time and ( money or energy? ) and that it was time to take care of it. I again called back this morning to tell XXXX he has the wrong number, instead I get another lady that said that she would remove my phone number. When I asked for a manager, she said she was a manager. When I asked for the business license number she refused to give it to me - she said that she had already given me the name of the company " Direct Recovery '' and that she did n't need to give me any more information. They are the ones who wo n't stop calling me and now it has escalated from automated calls to a person making threatening calls. Do I need to be worried that they can find my address too???
Ive tried muptiple times disputing inaccurate and unverifiable accounts that Equifax continue to allow on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify through the physical verification of the original signed certified consumer contract of any and all accounts you request to be posted and or reported on my credit report.Any They have not verified the data that a company reports on a comsumer credit file which Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file is a violation of the FCRA
I am disputing the following account with each Credit bureau after finding accounts that were reporting on my credit that I never gave any consent to me opened and address that I never lived at need to be removed I was informed to file a FTC with them and provide this documentation to all credit reporting companies. 


XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX La XXXX the following addresses are not my address please remove them I have provided a copy of my Identification card showing my correct address along with the FTC 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 This following accounts are being disputed as Fraud accounts I never consent to any of the following companies to open accounts in my name
I have been calling CitizensOne for the past month to obtain a letter to register my car in a different state. I was told this will take 6-8 weeks, I paid the fee on XXXX and to obtain the supporting documents and was told that CitizensOne could not find my title, therefore, this request could not be processed. I called CitizensOne about the issue and they said their " back-office '' is where all the titles are stored and they never received one. I received my title memorandum on XXXX, this was sent to me the same day the dealership sent the title to citizensone. I spoke with the dealership and the title was mailed on XXXX/XXXX/XXXX directly from the Ohio XXXX. I have call 3x a week since the middle of the XXXX and have since tried to refinance my car over the issue. While trying to refinance my car, I was told it will take 120 days to get the title information. The bank keeps passing my claim to it 's supervisors who promise answers within days but nothing ever gets resolved. It 's been over a month and a half and I have not been able to drive my car I recently purchased because I am unable to register it in NY without an authorization letter. Since I have found a bank who will give me a letter within a day and decided to use them to refinance my car, CitizensOne is not working to get them the information they need to finalize the loan.
To begin with, this complaint is two-fold. Back in XXXX, I was late on a payment according to XXXX XXXX XXXX. In XXXX, I sent a payment from my XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX and in XXXX. I constantly checked the account to see if it was debited. The amount was never debited from the account ending in XXXX. I did not find out from XXXX XXXX that the payment did not go through until a month after. XXXX XXXX informed me that the account was reported as closed. I contacted my bank. I was informed that the account was still open. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX has provided me with a letter, letting me know that the account with the routing number XXXX and account number ending in XXXX was closed in XX/XX/XXXX due to a compromise. I have attached the XXXX Letter and XXXX XXXX File. The file has the transactions for the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX to show that the account was still open I have also made arrangements to resolve the issue by using another account, XXXXXXXX XXXX. The account was XXXX, by XXXXXXXX XXXX. I have sent in those payments for XXXX and XXXX. Again, there was no notice from XXXX XXXX/XXXX that the payments were being rejected. I contacted them again to see what was the problem. I was told that the account was closed. I have contacted XXXX. XXXX has provided me with a letter, letting me know that the account with the routing number XXXX and account number XXXX is in good standing. 
XXXX XXXX had provided incorrect information to the credit report. They have reported me late to the credit bureaus for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX , XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX - XXXX  ) XXXX
Nationstar took over my XXXX XXXX XXXX mortgage XXXX XXXX, since then they have not accepted XXXX payment, took me to court and then my case was dismissed. I have copies of my payments and now 1 year later they are trying to forecolse on me again. I bought this property in XXXX and need to keep it. 
This company is not a comapny that wants to work with anyone they just want to over charge you and then try to steal your property. 
I currently have a renter in the properity and they served her as well on XXXX XXXX, XXXX and now she does'nt think she has to pay the rent. I want this resolved right away so I can move on with my life.