WillisBack/dataset-financial-user-claim huggingface dataset:
I requested all3 copies of my credit reports. When I received then there was multiple errors on all3. I called and corrected most of the information. Such as addresses.. Mispellings of XXXX.. Ss numbers that wet not mine. Etc. I also found an account that was not mine and got that deleted. The problem I 'm having. Is I have inquiries on my repirt that are still not mine. I contacted XXXX. Transunion and XXXX. Along with the actual companies and no-one is helping me. I know my rights as a consumer and sent proof of identity theft. I put several alerts on my credit reports and still this inquiries are there. These are the ones from XX/XX/XXXX to XX/XX/XXXX. I gave no permission for these to be on my report. According to the FCRA rules these must be andresponded back to me. Since the letter I sent wad only4 days apart. I know an investigation was not done. I plan on purchasing a home later this year and with all these on my report it shows that my credit worthiness is not good and a sign of financial trouble. that is not fair to me because these are not my enquiries. I am submitting this report due to lack of Investigation on my hard inquiries that were not done by me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern. For the credit worthiness of the consumer
I was serviced with a notice of wage garnishment and after repeated calls to my work I was placed on notice by my employer. I was involuntarily laid off prior to me becoming homeless and like I stated I have been at my current employer for less than 3 months now. I do not have money to eat or live and have documents to show so. I created a packet with all documents required and submitted all XXXX pages to the number on the sheet and addressed it to the company and presiding judge. And I have proof of this. I called General Revenue Corporation this morning and was transferred numerous times informed I was in the wrong department. Finally after waiting on the line for 15 minutes a woman by the name of XXXX tells me that I have to call the number XXXX XXXX which she stated is a " post claim '' number. I called that number and apparently that number is for direct tv. I do n't know if XXXX funds and General Revenue Corporation think it is funny to play with peoples lives like this or if you are purposely doing this to individuals who request a hearing but either way I will be filing a complaint and if someone does not tell me if my documentation has been received I 'm going to contact the media. If you wo n't provide me with the information maybe you provide it to them. I only have to XXXX/XXXX/16 to verify that my hearing request has been received and they refuse to tell me.
This company XXXX, Has placed a student loan on my credit report as a co-signer. I haved never requested a a loan from them nor have I agreed to be a co-signer. In fact, I Just noticed this loan to appear on my credit report after my account was breached at Equifax. I received notice from equifax that my information had been compromised. I did not attend any school to ask for a loan. All my loans are with another company. I have not received a letter from them because it is not my loan. I believe This company is trying to forced me to be a co-signer on a loan that is not mine. 

thank you XXXX XXXX XXXX
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Escrow Disbursement Clearing, XXXX XXXX XXXX XXXX, XXXX, PA XXXX ; check # XXXX ; dated : XX/X/2012 for {$7600.00} drawn upon XXXX XXXX XXXX XXXX was denied. BAD CHECK : I have written the company regarding the check that was denied by my bank for a replacement. The company refuses to replace the check claiming that it was cashed. I requested a copy of the cashed check showing my signature and XXXX XXXX XXXX refuses to provide one.
Back in  XXXX  I attended a school called  XXXX    XXXX    XXXX  in  XXXX , nj. The school has since been closed down. I 've never received my certificate of completion because the school was so in a disarray that they could n't even keep a steady teacher for the classes. The curriculum was barely taught and needless to say I never got the chance to complete. I 've tried to explain this to edfinancial but I 've had no luck because the school officially closed in  XXXX .  XXXX  is when I had to take a different route in life and join the  XXXX   XXXX . I 'm still stuck with  XXXX  loans from this school.  XXXX  for {$5000.00} and another for {$8000.00}. The ideal wish is to get both of these removed from my debt.
Dispute and request for debt validation was requested to Experian on XX/XX/XXXX for the following : XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX On XX/XX/XXXX- I called Experian to get the results and spoke to XXXX XXXX XXXX XXXX. XXXX informed me that Experian does not request validation of an account. He also stated that the accounts mentioned above would remain on my credit report. This practice is illegal, as the bureau is obligated to confirm/validate accounts upon my formal request. Also, they did NOT do a formal investigation. 

I filed a complaint with BBB ( attached ) as validation was never received, for neither account, nor are either of the creditors licensed to collect in the state of Illinois ( attached ). 
XXXX XXXX agreed to remove the collection ( attached ).
On XXXX XXXX 2015 my significant other passed away, he was a secondary card holder on my account as is my niece, I am the primary card holder. On XXXX XXXX 2015, Netspend who has my prepaid card sent me an email stating not to use my card until I call them and when I spoke to a CSR he said risk management closed my account due to a secondary card holder 's death. When I tried to explain that I was the primary, I was told that risk management closed it and it was n't reversible. I made a complaint with the XXXX and Netspend responded with " anytime there is a death with a primary or secondary card holder the account is closed '' per their terms yet I could not find anything about death of card holders except that the XXXX card holder is responsible for the XXXX card holder card use. The CSR told me they could order a new card and account number but they ca n't reopen my account. I asked to speak to risk management and was put on hold, the CSR came back on the line again to tell me that they could open me a new account etc. I tried to explain to him that my payroll checks and my significant others checks still go to that account ( I 'm entitled to payments from his various holdings as his beneficiary ) again I was told they could open a new account for me and because of this my checks from his accounts have been put on hold for verification. After I contacted XXXX and the company contacted them I received a phone call from a XXXX XXXX and he left a message stating he was in the office until XXXX CST I retuned his call at XXXX CST time and he was not in his office, then I emailed him and told him and the XXXX that I would be contacting you, he has not called or emailed since I first emailed and called him.I do n't feel that they should have closed my account and at best they should have contacted me so that I may explain why his name was n't remove from my account, but know they closed it then contacted me
XXXX account # XXXX .... is not mine and experian has refused to delete account like XXXX did to avoid fcra fines.
I was the victim of ID Theft on XXXX XXXX, XXXX. The FTC ID Theft Affidavit ( # XXXX ), XXXX County Sheriffs Incident report ( # XXXX ) and all ID Documents were sent to the loan company, and they agreed to remove the Hard Inquiry from my report. This has NOT been done. I have made countless calls to the Speedy Cash/XXXX XXXX, and XXXX with no results. The other loan companies and credit reporting agencies have cooperated fully, and quickly. The hard inquiries were removed by late XXXX XXXX. This is the lone problem on any of my reports.
XXXX XXXX XXXX, doing business for XXXX XXXX XXXX, XXXX after a terrible not-at-fault car accident, the rest of all hospital bills were covered by the at-fault drivers insurance company, XXXX. They refused to take payment and remove this collection upon settlement. They would much rather have this listed as a collection on my credit report than have their money!!! This defies logic and I want this removed immediately.
After turning in my lease early in XXXX of XXXX, Hyundai Motor Finance sent me an invoice stating that I owed {$1700.00}. I was under the impression that the dealership was charging me fees for terminating my lease early ( when in fact they solicited me to turn my lease in and swap for a newer model ). I went to the dealership, as well as called HMF, and after much frustration saw no resolution. Eventually they sent the bill to collections and it appears on my report as " charged off as bad debt ''. I filed a complaint with cfpb and they responded stating that I owed the money for terminating my lease early and have yet to pay the amount owed. As previously stated, I was solicited by the dealership and called on multiple occasions for the opportunity to turn my lease in early. Therefore, I knew that these charges were not valid. I decided to take the issue to small claims court. I was to sue XXXX  XXXX AND Hyundai Motor Finance due to the fact that I was not aware of which party was at fault. Neither party showed up to court on the day of the trial and that was when I set a new date and contacted a lawyer. A lawyer from XXXX XXXX called me, and I had my lawyer call him back. After investigating, it was discovered that XXXX XXXX sent Hyundai Motor Finance a check that was to cover my remaining payment. This check was dated XX/XX/XXXX. This amount was NEVER applied to my account. The actual total that I owed was {$570.00}. For a whole year I was back and forth with the dealership AND HMF and not one person could catch this error or explain what the issue was. I even asked for a new invoice in XX/XX/XXXX, and this amount had still not been applied. So, I have a negative remark on my credit report for an amount of money that I was not responsible for. I need Hyundai Motor Finance to have this negative remark removed from my credit report immediately. I was not responsible for this bill that was sent to me and I looked for help and an explanation, wasted time, energy, and money going to court, and received no help from either the dealership or Hyundai Motor Finance. It was only when I had a lawyer contact them that I saw any progress. This item must be removed as soon as possible, for I am hoping to purchase a residence in the near future. Thank you in advance for your help regarding this matter.
I have had XXXX overdraft charges. This is excessive. The accounting system at Compass Bank is terrible. News and media reports have this well documented. Compass Bank settles excessive overdraft class action for {$11.00} XXXX XXXX Complaints with excessive overdraft fees!! 
XXXX
i had a account with usaa bank for years someone had gotten in to my acct and the acct had gotten closed the problem was my daughter was also on my acct when this situtation happen they closed her accts also the problem is that my daughters and son in laws paychecks our going in to there accts which they closed because my daughter was on them when she called ans asked if she could get her money the bank usaa said it takes thirty days to get her money when i called other banks they said it only takes five days in other banks we need thid money to pay rent and buy stuff for the kids. i am telling people not to bank with usaa because they do people wrong what they say on tv is wrong
Company : Mr. Cooper Issue : Cancellation of Private Mortgage Insurance ( PMI ) Complaint : I have been unable to cancel PMI due to the mortgage provider, Mr. Cooper, not ever ordering an appraisal of my property that I requested on XXXX XXXX, XXXX. Multiple representatives of Mr. Cooper 's PMI department have said that the process would take 7-10 days from when they processed the PMI cancellation request. Mr. Cooper confirmed that they had processed the request on XXXX XXXX, XXXX. Since that date I have called four times ( XXXX, XXXX, XXXX XXXX, XXXX ) to request a status about the appraisal 's completion. Each time a representative expressed surprise when informing me that the appraisal had not been ordered. One representative on XXXX XXXX, XXXX blamed the delay on the vendor. Another representative on XXXX XXXX, told me there is only one person that handles ordering appraisals for PMI removal in the PMI department. I will now have to pay two additional months of PMI ( and maybe more ) since it 's still not resolved. There is irony in a company who charges consumers late fees if they are late on their mortgage payment ( I 've never been by the way ), but yet my only recourse is to submit a complaint to that same company when I 've done everything right. I requested to be copied on the email submitted to the employee who is in charge of requesting appraisals with the vendor and was told that copying me on an email was not allowed under company policy, but I guess treating customers with disrespect and patronizing them is company policy. My recommendation to the trainers and managers in the PMI department would to empower folks to be problem solvers instead of administrative bots that just explain the PMI process over and over again. I 'm calling for a resolution, not a lesson on how PMI works. Thank you.
Equifax has an item listed on my account from XXXX. They are saying I owe XXXX XXXX money. This is not true. I have not lived at XXXX XXXX for almost a year. When I lived there, I always paid my rent on time. I stayed through the term of my lease, and gave notice I was moving out. I do not owe them any money, and they never refunded my security deposit. I want this item removed from my credit report, and I want my security deposit refunded.
RE : XXXX credit Card Missing payment history Dear CFPB : Upon review of my credit report, I discovered that my payment history reporting on credit card account from XXXX XXXX XXXX was missing 12 months of payment data from Experian. The account payment history credit report on XX/XX/XXXX reflects the original opening date of XX/XX/XXXX and reporting data on that month XXXX XXXX XXXX. 
My XX/XX/XXXX credit report reflects a change in the " XXXX reported date '' stating XX/XX/XXXX and XXXX months of payment history deleted from this account. 
This account has a perfect payment history and is not reported correctly by the credit agencies. I suspect that someone had done this to cause the age of the account to shorten thereby causing credit score changes/anamolies. I have contacted XXXX and informed them of the dispute, I am following up with the CFPB in regard to this situation because I suspect the employees, credit managers, or data furnishers of the agencies are manipulating credit data to cause reductions in individual consumer credit scores. 
I ask the CFPB to investigate these issues of missing payment data on existing consumer accounts that are in good standing. 

Sincerely, XXXX
Hello my name is XXXX XXXX I have been filling out loan applications due to a hurricane that has hit XXXX Texas I am new to filling out loans online an I had someone call me due to an application i put on line. They asked for my online banking information I did not know I was not suppose to give that to them they said they were going to send me insurance money then deposit the loan i was very skeptical so I hung up An changed my online banking an I am going in the bank to change all my accounts as well but they have a copy of my drivers license and I am very worried they will commit fraud in my name please is there any help you can give me I do not want any crimes being committed with fraud in my name. The company is Eloan finance their numbers are XXXX area codes.
I have had at least XXXX occasions where i was working with wellsfargo and they waste time going back and forth and after i get all documents to them as they requested they would then turn around and say that we didnt get the documents, Can you send them again to then turn around and say we are sorry but we can not help you. 
First instance was trying to get a mortgage modification in XXXX it took 6 months after going back and forth and resending documents that they request and being told that we can help you, to send in a trial payment for 3 consecutive months and then we can decide later. Which never happen, at all times they would have an escuse as to why they cant help me or work with me to save my home. I have went as far as hiring XXXX different legal firms to help me modify my mortgage, however, they were just as bad. XXXX of them i never got my money back after they promised me that they can get my mortgage rate and payment reduced. After so many attempts to get some help from them and them constantly changing the account specialist. I strongly believe Wellsfargo is not interested in helping its customers save their home because if they are, it definately doesnt seem that way as they make the process too complex, no XXXX representative is accountable and they wait until the time runs out when you need to have an answer always with the same response we didnt receive all the documents as requested and after further review we are not able to help, so un fair, i have had it. My most recent experience after several attempts to get my mortgage modify is trying to get a short sale approval. My agent worked diligently with the correspondent and after i send in the information and she did as well to them and with such a surprise close to the sheriff sale date. I surprising receive a letter not a phone call or email prior to but a generalize letter that says we have not received all documentation up to this date and we regret to inform you that we will not be able to proceed on your request for a short sale. I dont understand as we sent everything in to them and when my agent call their contact person 's response was you were to fax or mail all the documents, not email. Which blows my mind as they have been communicating via email for all request and didnt request that it all be fax. They received it via email weeks in advance and why didnt they call or email back and say pls fax as well?. They are so discouraging to deal with as i was already having a hardship and sincerely needed the help to reduce my payments and they didnt help. Now im trying to save my credit to do a short sale and they also dont show any sincere assistant to help make the process go thru. Just sending out letters is not the best way to communicate or the most effective when its a time sensitive or urgent need.
My problem is with TD Retail Card Services. My husband purchased me a ring on a special finance ( 0 %, interest deferred ). He than traded it up 6 months later, they had a special of 8.9 on that. I am making payments on line, At the time of the payments I send an email requesting them to allocate the extra XXXX all to the account that I have indicated in the email ( deferred interest account ). They have yet to do this since XX/XX/XXXX payment. I have sent numerous emails and called. Since my husband obviously did the purchase with out my knowledge ( they were gifts ). They would n't speak to me by phone, I was hung up on twice while I was trying to get my husband on the phone to authorize me to speak with them. I got the same Representative 2 times before my husband could actually tell them to please speak to me to fix this. She then put me on hold until it disconnected me. when i called back and spoke to a supervisor, the supervisor refused to speak to me with out speaking to me husband. Even though the person that hung up on me twice was there and could verify that she has just got his authorization. This is 4 months of trying to get this repaired. I pay on time and always extra. I have about XXXX emails to there customer service along with sending in by fax all of the back up with proof we have been trying to take care of this mess. I cant even get someone with authority to contact us back. They could easily call my husband. We have had no luck even getting through when we are in the same place at the same time. AS FOR LOSS OF MONEY ... We will have to pay an extra XXXX in XX/XX/XXXX and all the interest it keeps accumulating, because instead of putting XXXX towards the account they are only paying XXXX. At that rate it will be well over XXXX to XXXX.
I 've been getting called multiple times a day after I paid XXXX $ XX/XX/2016 saying that was the past due amount to clear my account. apparently I still owe XXXX $ an have basically being harassed about this after I was told the XXXX would bring me up to the date of my next payment which is XXXX XXXX 2016. I 've also told these people of my situation multiple times. I 'm on XXXX leave an have been having problems with the State since my paper work keeps having problems or getting lost. I also have a good payment history and this has never happened with me before and they have n't helped me in anyway to come to a solution.
I am having an issue with a XXXX membership cancellation. I signed up for a XXXX on XXXX and informed them that I will be moving and canceling my membership on XXXX, agreeing to pay for the XXXX sessions on the XXXX date. In the contract it requires a cancelation 30 days prior which was made on XXXX. I was then charged for an additional XXXX ( {$410.00} ) even though I informed XXXX members of my move and cancelation. I have since been charged for XXXX on XXXX and was told they will charge me again for the XXXX session. Totaling {$830.00}. I now have been charged an additional {$63.00}, {$67.00}, and {$78.00} on XXXX. XXXX knew about my cancellation yet somehow decided it will be alright to charge 2 extra month XXXX ( technically 3 ) and I was told that it was my fault and that I should lawyer up. I have a screenshot of my conversation with my trainer agreeing that he spoke with his manager about canceling my membership yet I have been charged anyways. I will dispute this with the bank as well but this needs to be resolved and should not happen to other members.
Debt collection is reporting same debt info to collection agents again and again. I paid complete amount and removed from the report last year but again they reported on XXXX 2015.
In XXXX, I received a flyer to open new Citi checking and savings account. I brought the flyer to a Citi banker whose name is XXXX. XXXX opened the account and told me that if I deposit {$15000.00} and maintain the balance for 60 days then I will be qualified for the bonus. 

I pointed out to him that I need to open both Checking and Savings account. He explained to me that the requirement is " Either OR '' NOT " BOTH '' ( see the email ). 

After 6 months, I still haven't received the bonus and Citi told me that I did not meet the requirement because I did not open BOTH checking and savings account.
Hello, I am concerned about XXXX accounts which I have been disputing for several months now. They are appearing on my Equifax report and have not had any activity since XXXX of 2008 and Equifax has continued to keep reporting it after I have asked them to delete them from my file as they are not allowed to report past 7 years of the date of the last activity. The accounts are listed as 1 ) XXXX XXXX XXXX # XXXX ; 2 ) XXXX XXXX ; 3 ) XXXX XXXX XXXX # XXXX 4 ) XXXX XXXX XXXX XXXX XXXX # XXXX these XXXX accounts received their last payments in the XXXX of 2008. That is when I defaulted after I lost my job and had no money to make any payments. I have never made a payment or had any activity since about XXXX of 2008. These accounts are very old and I hope that they will just delete them already. I have fought them over and over again on the accuracy of these dates and the furnishers can not help me, they say, because they can not pull any records. So how did Equifax verify these dates? They need to know that it is not right to report items past the statue of limitation, which I was told by XXXX that that is XXXX years. Please, can the CFPB ask Equifax to investigate these again or delete them? I need to start my life over again already and this is holding me back and making me very very depressed.