WillisBack/dataset-financial-user-claim huggingface dataset:
Numerous phone calls, emails as well as certified mail sent to innovis, they refuse to remove fraudulent info off my report. Innovis also removed a XXXX XXXX XXXX account that was open and remained positive which I never disputed.ACCOUNT ENDING XXXXOPEN 2007!!!!! Why is innovis purposely trying to sabotage my credit report? 


all XXXX XXXX accounts are considered closed via innovis with charge off - all XXXX XXXX accounts open and positive and no positive reporting is reported XXXX XXXX  is open and positive, yet innovis reporting closed and negative with no positive months XXXX XXXX XXXX is being reported on legitimate credit report agencies as paid in good standing WITH ALL MONTHS REPORTED POSITIVE AND INNOVIS IS NOT I NEVER OPENED XXXX XXXX IT IS FRAUD XXXX IS NOT LATE FULLY PAID XXXX XXXX XXXX IS FRAUD NEVER MAINTAINED ACCOUNT I DO NOT USE XXXX XXXX IT IS FRAUD REMOVE XXXX XXXX XXXX is being reported I don't care if it says requests I can only see I HAVE A XXXX XXXX AND U R LETTING XXXX XXXX ALONG WITH XXXX XXXX   REMOVE IT XXXX XXXX Report # XXXX And XXXX Social sec XXXX - XXXX - XXXX
During the  XXXX   XXXX ,   XXXX   i had an inquiry placed on my  XXXX  credit report. Th e Unauthorized Inquiry  was placed by  XXXX  while i was in  XXXX   XXXX . I never authorized this as why i disputed it both by telephone and online with  XXXX  with no results.  XXXX  denied to assist and i was placed on hold and had a remark added to my account. Under the FCRA a hard inquiry must have " Permissable Purpose ''.
An account was fraudulently placed on my credit file by Experian. below is the account information i have requested a proper verification several times from experian to prove that the account is mine OR ELSE LET THEM DELETE IT, each time there response will be account validated without no proof for me. 

ACCEPTANCE NOW ACC # XXXX DATE OPENED XX/XX/2013
XXXX has been non-compliant with removing the unverified account NAVY FCU Opened Date XX/XX/2015 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that NAVY FCU was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
XXXX XXXX and associates continues to get summary judgements on cases without getting hearings by judges even iif request hearing in writing to judges, wonder if judges are more in agreement with XXXX XXXX than the defendant in all cases?
I currently am experiencing issues with my car loan.I went to buy my car back in XX/XX/XXXX. I needed a car for a job I had just got hired for so I went to a local dealership ( XXXX XXXX XXXX ) in XXXX, Ohio to see what my options were. This was a two day process. The first day XX/XX/XXXX I went to process paperwork to see what bank would offer me financing.The dealership told me my options which were just two vehicles a blue XXXX XXXX   or white XXXX XXXX both used and they asked to put a {$500.00} down payment for the vehicle I was approved for. The bank that approved me was Santander Consumer USA. Out of the two vehicles I chose the XXXX XXXX XXXX. I didnt get to test drive this vehicle or inspect it before purchasing it at XXXX XXXX. Since XX/XX/XXXX I have paid close to almost {$15000.00} in interest towards my car loan with only {$640.00} towards my principal. I believe Santander Consumer USA is charging me too high of an interest rate. The interest rate I was told I am paying is at 23.17 % with an extra daily interest rate of {$7.00} when my states limit of Ohio is 8 %. I will never be able to pay off my car loan at the rate set.I have been working with the company to try to figure out why my payments never seem to go down but actually increase every month. This has caused me a large disadvantage and I need help to resolve this issue.
When I make a payment, they put pretty much all of my payment towards interests and barely any to principle which doesnt allow me to pay off my loans.
In  XXXX  of   XXXX   I received my credit report and found there were  XXXX  collections being report by convergent outsourcing for the amount of  XXXX  and  XXXX . Upon placing a call with them i was told that these account were in collection for  XXXX   XXXX . The young lady on the phone gave me the addresses of both accounts. This is when I discovered that someone had stolen my identity. I filled out a forgery affidavit, had it notarized and made a police report. All of this information was sent into the credit report, and to   XXXX   XXXX   as well. all of this took place on  XXXX / XXXX /  XXXX  . It has been over a month and no one will tell me anything as to why these accounts are still reporting on my credit bureau.
XXXX XXXX XXXX XXXX is listed as a derogatory items on my credit report.XXXX is reporting wrong information on my credit report for a debt that was paid in XXXX 2015 in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX is reporting a rating of XXXX on a scale of XXXX on my credit for a debt that was paid off in XXXX 2015. It is a wrong credit rating because the debt was paid off. XXXX XXXX is intentionally reporting wrong credit information on my credit report and it has negatively affected me.
In XX/XX/XXXX, I received a mortgage loan for my house XXXX, XXXX. My payment was promised to be an affordable payment. I was paying my mortgage on time but my mortgage payment had a substantial increase where I was no longer able to make payments on the mortgage. In XX/XX/XXXX, GreenTree Servicing, LLC. sued me for a mortgage that I received from XXXX, XXXX. While being sued on the motgage, then another lender name, " Ditech, LLC '' starts collecting on the same mortgage. I feel like my house is going to be part of a fraudulent foreclosure procedure.
The property associated with this Ditech loan was sold on XXXX XXXX, XXXX. The attorneys who closed on this loan asked for a payoff figure which was provided by Ditech onXX/XX/XXXX. The payoff amount was {$150000.00} and was good through XX/XX/XXXX. 
At closing on XXXX that amount was deducted from my proceeds and was wired to Ditech the same day. 
Even though Ditech knew the loan was closing they funded a flood insurance policy on this property which is a condo and is covered by the HOA flood policy. The charge for this policy, on the contents ONLY of a two bedroom - two bath condo that was closing for {$170000.00}, was {$4500.00}. That policy was never provided but a policy that they later charged me for was charged at {$110.00}. Their claim is that because the {$4500.00} was taken from my escrow account on XX/XX/XXXX it made the payoff amount received too little to close the account. 
They decided to keep charging me for escrow payments on this condo that I do not own and have even paid the County taxes for two years and have charged those to me even though the County has returned at least one of these payments which they have not credited back to the escrow account they are still using for the condo I no longer own! 
The attorney that represented me at closing has tried to correct this, I have tried to correct this but they continue to charge expenses for this condo that I do not own and make harassing phone calls and will not close this account.
No credit line increase allowed, Synchrony Bank/Care Credit. 
CFPB has continually denied my request to increase my credit line, without explanation in an expeditious and thorough explanation for the denial of an increase of my credit line on my Care Credit account. This has caused me duress and expenses incurred that should have been charged to Care Credit, but denied because of your credit bureau. 
If this is not resoled within 3 days of this post I shall pursue legal action against you and file complaints with any and all agencies under which you are governed. I have exemplary credit and a XXXX condition. XXXX is a common trigger to XXXX. I can easily afford legal fees, but I think free legal service is also available given my health status, the duration of continued requests for increases, risk of delayed XXXX procedures, duress and the consequences thereof. 
XXXX XXXX XXXX XXXX . 
XXXX. XXXX XXXX, CA XXXX, phn. # XXXXSynchrony Bank acct. # ending in : XXXX
I 've been having continuing problems with calling the Sears mastercard for making a payment. The goal appears to be to cause me to fail to make a payment so that they can charge me a late fee. Well it happened. On XX/XX/XXXX, I called to make a payment ( {$340.00} ). It would n't ask me for my account number and when it asked me if I wanted to make the payment with this routing number and that account number it used my routing number for my account number. I called them and complained and they said there was something wrong with their system and wanted me to give them my routing number and account number, I refused fearing credit card fraud - I normally only give those numbers when using an automated system. I told them I 'm tired of Sears making it so difficult for me to make payments and that I would write the CFPB and complian. The call ends. I call the automated system to see if I would be able to make a payment. This time it asks for my account number. Nearly every day, I check my checking account to see if the money was taken. On XX/XX/XXXX or XX/XX/XXXX I called Sears Mastercard to see what the automated system would say my balance is and it said thanks for my payment of {$340.00} and that there was no payment due. On Friday ( XXXX XXXX ) the money ( {$340.00} ) still was n't taken from my checking account. 

I call the company ( Sears Mastercard ) and I 'm routed to Citibank for collections. They say I 'm 4 days past due and that there 's a {$29.00} late fee. I complain that Sears is intentionally not taking my money in order to collect {$29.00} without providing any product or service. They deny it and say I eneterd the " check '' numbers incorrectly when I call to make a payment. They have it set up in order to create as much work as possible for their credit card holders - they wo n't accept payment by debit card. Paying by debit card you can see nearly instantly if the money was taken. Paying by routing/account numbers it can take as long as 5 days for the money to be taken, easily taking people past their due date - easily creating {$29.00} late fee for sears for providing no service and no product. 

They hang up. I call again, make the same accusation. I told them to remove the late fee or I would close the account. They ( employee XXXX ) said they would remove the {$29.00} late fee and I have to give the person ( XXXX ) my routing / account numbers. So I assume i was n't charged {$29.00}, what will happen next month may be different. But at this time I 'm more concerned about this happening again. 

I want to be able to pay by debit card so I can see right away that they took the money, otherwise I want to close the account. And I need help finding a credit card where I can pay by debit card. I looked online but such information is not organized. 

Thanks, XXXX XXXX XXXX
To whom it may concern, I have a mortgage loan with HSBC. The initial loan # was XXXX, the property address is XXXX XXXX XXXX, XXXX XXXX NY XXXX. The mailing address is the same XXXX XXXX XXXX, XXXX XXXX NY XXXX as the property address. 
HSBC changed the loan # to XXXX after XXXX XXXX and changed the mailing address to XXXX XXXX XXXX without my consent. 
The mailing address XXXX XXXX XXXX is not available now. I had lost lots of mails from HSBC including the XXXX forms, payment adjustment etc documents. So I called HSBC to change the mailing address to the property address XXXX where I am living in XXXX XXXX. However, HSBC refused to change the mailing address and continue to send all mails to the unavailable address XXXX XXXX. Therefore I filed complain to XXXX of NY XXXX in XXXX XXXX. In HSBC 's response letter to XXXX of NYS, it stated that the initial mailing address was XXXX so they can not change the mailing address no matter whether or not I received the mails. That is more ridiculous that I asked them to email me if they could not mail the XXXX forms or other letters to the property address. The response was NO! They said that they had to mail all letters statement to the existing mail address., no matter whether you could receive them. 
I am very angry and surprise for HSBC service and practice. Especially, recently, they gave me a number of harassment calls. They made the lies that this is a collect debt call because I owed the mortgage payment and I owed the mortgage payment to {$5500.00} etc. The fact is that I pay the mortgage {$2700.00} /month and never be later. I checked the bank payment recording that I paid the mortgage {$2700.00} for every month XXXX including XXXX, XXXX, XXXX, XXXX XXXX. How can I owe the payment to {$5500.00}. HSBC, obviously, cheated the client to make benefit. I require XXXX and CFPB ( Consumer Financial Protection Bureau ) to investigate HSBC. 
The issue raised here is that HSBC refuses to change the mailing address and keeps mailing all statements and corresponding letters to the address I could not receive them. Then they made the rumor and benefits for them. 
I require CFPB revoke the license of HSBC in XXXX XXXX because they are not capable to do business. It never happened to a bank that did not allow to change mailing address. Meanwhile I claim the lose of missed letters for {$100000.00} against HSBC because my personal information were exposed in miss letters. 
TrulyXXXX XXXX, the Owner of the Property
I received a mail stating that my account is closed due to unusual payment activity. However, I have never made a payment to this account. Please give me an explanation on why the account is closed.
I went to the ATM at XXXX XXXX XXXX. XX/XX/XXXX to cash a check my friend gave me to pay my rent. The ATM captured my card and never gave it back. I called Bank Of America to inform them of this XX/XX/2018 and a Representative sent me a new card but the same information from my old card. I didnt think much of it but today I went to a different ATM to deposit XXXX dollars and the ATM at XXXX XXXX XXXX captured my new card again. I immediately called Bank of America to try to get a explaination. I got transferred twice before i got a Representative. First i spoke with XXXX from the claims department who issued me out a new card and launched an report then he transferred me to his supervisor who name is also XXXX. XXXX, the supervisor informed me that there was flag on my account from fraud because a merchant was compromised so they flagged my card. He had to transfer me to the fraud department.XXXX  from the fraud department informed me that was not the reason my card was cancelled. She told me she dont know. So in three weeks my card was caputured twice at two different locations and no one seems to know the answer. I could not put money in the bank to cover my fees so my account remained in overdraft. The actual bank time conflicted with my work schedule so i couldnt go in to have this issue resolved. This has been very frustrating.
I get repeated calls on my new XXXX XXXX number. Most are recorded so when I answer I ca n't speak with the caller.
Per notification letter from XXXX XXXX XXXX states they will collect interest, late charges, and any other charges that may vary from day to day. Under the fair debt collection laws Section 808 ( 1 ) it states they can not misrepresent the amount of your debt or collect any amount greater than your debt. XXXX XXXX XXXX are being misleading with the amount of debt that is supposedly owed.This company has violate the fair debt act and my rights as a consumer in there notification letter.
In XXXX I applied for a student loan of {$20000.00} with my bank XXXX and received the full amount. When I graduate in XXXX after 6 months I started to make the minimum payments for this loan. In XXXX the loan was taken over by another company called American Education Services. I continued to make my regular payments with this new loan company. In XXXX I decided to return to school for XXXX and sent in an application for forbearance. As a full time student overseas I would not have the income needed to make regular payments on the loan. I sent proof of enrollment and all the necessary documents to AES twice and was denied both times the reason given was " cumulative maximum of deferment has been reached ''. The only time the lean was in deferment was when I was still still in school for my XXXX degree. On the basis of this I have been receiving calls about my loan being past due, but all the necessary paperwork was given in a timely manner and my I was told that my request was in review. I continue to contact the loan officer who handles all the loans for XXXX and they tell me to do the same steps and I receive the same result. I have no idea how to handle this situation. I want to warn other not to use this loan company for your student loans as they are unorganized and are not customer orientated.
Account is with Wells Fargo and since XX/XX/XXXX of 2016 I have been charged over XXXX in overdraft fees, however accordin ti their written policies a majority of the fees should have never been charged in the first place, upon doing a detailed review of the account it also revealed that the overdraft fees are a huge reason as to why my management of my account was so poor. 

Wells fargo stated verbally on several occassions that they have no set time that you can make a deposit to cover an overdraft before you are charged the fee however in their own documents it states differently.
I was approached online by the University I was assured by School Admit., If I were deemed by the state to be XXXX I would not be held liable for school. I kept up on all correspondence immediately upon receiving it forward it, over, and over, to Nelnet, then XXXX and spoke to many representatives, faxed information, and still I see the funds accruing. I was faced head on by my husband XXXX XXXX XXXX with my niece, in my own home, who was also attending school and I left my job to care for her baby girl, at the time she was XXXX with my husband became XXXX. I was forced out of the home, subsequently homeless, staying place to place, in my car ... I would have never attended the school if I wasn't assured & promised by the School, knowingly already applied for Social Security XXXX when they enrolled me at the school, I was told that I would not be held liable to pay for it if I was approved to receive Social Security, my earnings would be cut by 2/3. I am sick, frustrated, cant get a job, cant afford to get into my own home, cant afford an attorney to finish divorce. I am beyond words. HELP ME PLEASE!
XXXX client, XXXX XXXX is a victim of identity theft. A previous dispute of this was mailed To Capital One Fraud department however Capital One mishandled this as a durable POA and it is NOT. This is a dispute of identity theft. He was notified by Capital One of a fraudulent application submitted with his information without his consent. An account was established related to this fraudulent activity and is being reported to each of the credit bureaus ( account ending XXXX ). Capital One has failed to correctly address this issue and as such are in violation of the FCRA.
The information on my Transunion credit report shows that I closed my oldest active account, resulting in a 48 point decline in my score. I never closed any accounts- paid off a loan and my car. What do I do?
I had a checking account with navy federal credit union that offered overdrafrt protection that i unfortunately took advantage of & got so far behind that i had a hard time paying back. Not fully understanding the terms or programs offered by the credit union i was under the impression that i needed to pay the overdrawn amount in full. My checking account was closed and sent for collection at the same time my savings account remained active. I had a significant amount of money deposited in my savings account when i tried to withdraw the money from my savings i was informed by the representatives from navy federal that i would have to set up arrangements to pay the amount overdrawn from my checking account before i would be able to access my savings account once i then spoke with the representative from that department she informed me ( very rudely ) that the credit union would be taking all the money from my savings account and that since she could not confirm my employment or source of income that i would n't be able to set up any arrangements & any future money deposited into my savings would be applied to my remaining overdrawn balance all this after explaining to her that i am a XXXX veteran living on a fixed income. I would think that navy federal credit union is supposed to offer benefits for XXXX and XXXX veterans instead of a rude & hostile customer experience i also again agreed to set up arrangements & while speaking with the agent she took all the money from my savings account. Any help with this will be greatly appreciated. I intend to pay off the remaining balance and close all my accounts and i will no longer do any business with navy federal credit union & anyone i speak with or know i would suggest the same.
I have always paid my bill online every month with a bank and they always show that they receive my payment. however, 2 times in the past this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pays to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
I am a victim of identity theft and there is a public record that got reported on my consumer credit report with experian, transunion that shows filed XX/XX/2013 with US Bankruptcy Court as chapter XXXX. I have contacted these bureaus and was told I need to file a Federal Trade Commission report and police report so they can block this off. I have also notified them of the fraudulent addresses used. It has been over 6 months now one supervisor told me it only takes up to 4 days and it will be removed and it still reports. I have been calling over and over sending letters and all i get is you need to file it again. This is my last step I am taking then I am going to file a lawsuit against these companies in how they treat victims of identity theft. This has caused my good standing credit card accounts to shut down and has ruined my credit rating. I spoke today again with specialized handling senior supervisor named XXXX that again told me that there is nothing he can do at the moment without any explanation and hang up on me.