WillisBack/dataset-financial-user-claim huggingface dataset:
Okay so after continuously disputing with XXXX XXXX to remove the false record that they placed on my Early Warning Services Report, ( someone had falsely applied for a student loan with XXXX XXXX, and also added a cosingner ( unauthorized ). I did not know until XXXX XXXX XXXX XXXX Placed A Hold on my account because of the EWS reporting, I then called in to dispute, XXXX XXXX XXXX had refused to offer me any information or help so I contacted you guys CFPB and they finally investigated and agreed to Permanently remove their records from EWS. ( TAKE A BREATH WITH ME BECAUSE THERES MORE! ) That entire process took about two months for you guys ( CFPB ) to solve it in about two weeks. Wow. NOW, I went ahead and contacted EWS just to make sure both companies were on the same page, and EWS tells me that XXXX XXXX cant request for the records to be removed, EWS says they provide access to banks and credit unions and and its up to XXXX XXXX to remove it which is frantic because they removed my record from another company. So now EWS will keep the record. I offered to send them the letter they provided me an email and told me I can use the letter to start a new disputing process which could take possibly another two months meanwhile my account with XXXX XXXX is still on hold!
There is an account reporting on my XXXX and XXXX  that is past the statue of limitations yet this Realtime Resolution continues to report it as a collection account when it was charged off with XXXX over 7 years ago. They continuously report an aged account and that is against the FCRA! This is absolutely insane and they report the account as being past due of {$45000.00} and balance of {$130000.00} if the account is a charged off account then how could the balance be any different than the past due?
On XX/XX/XXXX, I received a job offer via email from a representative claiming to be XXXX XXXX, vice president of marketing/sales for XXXX XXXX XXXX, a manufacturing company based in XXXX, Kentucky. After accepting, I received a check on XX/XX/XXXX in the amount of {$2900.00} to cover my first month 's wages, and I immediately deposited the check into my bank account. The following day when the check cleared, I was instructed to withdraw {$2500.00} and purchase several money orders from the local post office, and to deposit them into the account of a Chase Bank customer, XXXX XXXX XXXX, whose account number is XXXX. I was told that the funds were for one of the company 's clients and would be used for a new construction project. On XX/XX/XXXX, I was notified by my bank, XXXX, that my account had been overdrawn due to the check being returned unpaid. I immediately contacted XXXX to obtain a copy of the counterfeit check to take it up with the issuer. I asked why they didn't hold the check until the money was there, but they told me that their policies dictated that I was solely responsible for the loss on my account. I then proceeded to the post office with the money order receipts and serial numbers to ask if I could cancel the money orders, but they told me that I couldn't do that without the actual money orders, which by this time had already been deposited. Then I went to Chase Bank to see if the money orders had already been cashed or if I could cancel them, but I was told that my request was in violation of their customer privacy policy despite the fact I had reason to suspect that one of their customers was a cyber-criminal. My complaint lies primarily with XXXX, for not holding the check until the funds were available.I am aware that federal law dictates that banks must make funds available one business day after the deposit, but this leaves a massive loophole for criminals to take advantage of honest banking customers. My secondary complaint lies with Chase Bank for not allowing me to cancel the money orders.
I enrolled in XXXX XXXX XXXX in XXXX, shortly after I was dropped because I did n't meet their criteria. In XXXX I ran my credit, surprised to see I had a federal loan amount, upon being dropped I was told that I would be responsible for equipment, not course because it was prior to 30 days. I reached out to great lakes, in order to get the matter resolved they instructed me to speak with someone at the school and if the received something in writing that they would resolve the matter, or began paying I explained that I was n't working an had XXXX kids with no income they told me that they would put my account into some sort of plan until the matter could be resolved. So I went to the school an asked for a copy of the imformation that supported me being dropped the XXXX said that id have to contact their corporate office to get any imformation because it was no longer at there facility. She gave me a XXXX number I called they told me they would have someone look into it and give me a call back. I never received a call back, after XXXX days I called back several times the last time they told me that the person handling this was out of town an would get back to me upon his arrival back. Next they were closing for fraudulent behavior an they were not allowed into records, Now I have a high student loan on my credit.
On XX/XX/XXXX I opened an account with XXXX. At that time, they were offering a promotion. They guaranteed that we would be happy with our service or we could cancel within 30 days with no money due and no cancellation fee. We were very unhappy with the service and even had a service call which resulted in no improvement in our internet service. On XX/XX/XXXX, I returned all equipment to our local XXXX office and was presented a receipt for the returned equipment and had a XXXX   balance. 

Since then I have had 3 separate collection agencies report on my credit report that I owe {$160.00}. Three times now I have disputed these with the credit reporting agencies and had the entries removed. 

Imagine my shock when we applied for a loan in XX/XX/XXXX and found yet ANOTHER new agency reporting that we owe XXXX!!! The new collection agency is called XXXX, XXXX. 

Something needs to be done about companies such as XXXX continuing to report the fraudulent claims. I have consulted with hundreds of individuals in the past 3 months that have had the same or similar issues. 

I want all items from XXXX removed permanently from my record. Even the XXXX representatives themselves have stated that we have no balance due. I am getting nowhere quickly disputing these on my own through the 3 bureaus because they just come back as a different collection agency.
I 'm unaware of this debt. I 'm XXXX and homeless. Thank you.
I spoke with a repersentive at XXXX to report a numerous amount of hard inquires that Im unaware of. They refuse to remove the inquires and directed me to the creditors in which theyve also denied my request to remove them. It was bacially like a back and forth situation.
Today 's date : XX/XX/2017 I am a XXXX. I work overseas and return to the US, periodically. I am a customer of Chase bank ( XXXX CA XXXX ) branch. I had XXXX credit cards with Chase bank. for with XXXX Balances. Decided to purchase an airline ticket on one card, I did and left on my trip. While XXXX, I made {$50.00} monthly payments via Chase online. My Chase online account was seemingly ( not linked ) to my credit cards. The cards were never used so I had no knowledge they were not linked. Chase online would ask ( pay to whom on one line ) I typed Chase credit card and amount of {$50.00} on the amount line. Every month for approximately 8 to 9 months ( monies deducted from my ( Chase Checking account ). I work overseas and return to the XXXX, periodically. 
Chase was accepting the payments and crediting the credit card with XXXX balance, not the correct card. I have contacted every department trying to have Chase understand but NO. 
My credit rating was XXXX now its ruined. Chase Bank kept the payments, ruined my credit cards and credit. They actually sent me ( 3 ) checks totaling {$760.00} as a refund after the fact. I cased ( 1 ) check for {$200.00} then they put a stop check on the check and charged me {$25.00} for stop check. I never received the other ( 2 ) checks. Chase bank said they would investigate, but as expected, of course, the investigation has them not at fault or responsible. 
I need help to re-instate my credit cards, have the ( 3 ) checks credited to my checking account. I am presently overseas. I NEED HELP to deal with Chase bank. 
Sincerely. 
XXXX
I have a vehicle loan with Lendmark financial. They call and harass me even if I 'm only one day late on my payment. Literally only 1 day. I was even called at my work place over {$40.00}. I made all of my payment except {$40.00} ( in advance ). And forgot about the remaining {$40.00} since I had paid so much in advance. When they called my job, they was extremely rude to my coworker, who answered the phone. After that incident I wrote a letter requesting that I not be called at any numbers listed on my paperwork any more due to the harassing calls. I requested that any contact be directly through mail. Which is my right. Since writing that letter I have been called several times. I spoke with a manager and that has not resolved anything. When I informed the calling associate of my written requested, I was asked " Why do n't you want us to call you ''. At this point the harassment is out of hand. I am almost ready to just turn my vehicle back into Lendmark to avoid all of their harassment.
XXXX XXXX continue to charge enormous charges on an old account that I had with them in 2010. I am also apart of a class-action law suit against them for overcharging consumers. the company has XXXX different account on my credit report that is affecting my credit and damaging my credibility. Every time I check my credit report there are increasing charges add to my account.
I have leased a vehicle in XXXX, MO from a dealer when we first moved to that state. The dealer did not give us information or any kind of explanation on tax. Later on we have informed that we need to pay around {$500.00} personal property tax for a vehicle that we dont own. We always pay the registration, licence, title etc. fees in other states. This is the first time I heard about that kind of tax. When I searched, in few states in XXXX they charge personal property tax for the vehicles that you own. But the XXXX that I leased is not my own property. The title is on XXXX XXXX XXXX. The Missouri law says if you lease a vehicle it is between you and the company. I also looked at my lease agreement, it does not state any kind of personal property tax info. The XXXX XXXX claims that they are paying the taxes for us and try to collect this money from me. I spoke with the financial supervisors at the XXXX XXXX XXXX to see how they expect me to pay a personal property tax for something that I dont own. They gave me no answer and asked me to pay it. At the end of the 3 year lease term they calculated about {$1500.00} tax money and give it to the collections and report it to the credit agencies. Please let me know what we can do about it. Thanks.
I submitted a request for a loan modification on XX/XX/2018. I was notified items were missing and I supplied those items on XX/XX/2018. Today is XX/XX/2018 and I still do not have response to my request for assistance.
Navient 's subsidiary company, Student Assistance Corporation, made unethical and unecessary calls to XXXX of my neighbors, daughter, and siste all on the same day thereby created fear and humiliation for my wife and family
Commonwealth Finance keeps trying to destroy my credit for items that were proven to have no longer been my responsibility. As proof, please see the attached documents from XXXX Collections Management Center that show I 've had these items removed from my credit report XXXX before Commonwealth Financial went in and changed the dates so as to fool the system and collect their fees above all else. The items were disputed, removed, then re-inserted without notification. They need to acknowledge these past deletions and leave a XXXX vet alone!
Carrington Mortgage Services Research dpt. 
XXXX XXXX XXXX XXXX, CA XXXX:XXXX XXXX : XXXX name is XXXX XXXX I was the customer for this loan. I refinanced my home on XXXX. The new loan funded on XXXX/XXXX/15. I have included copies of my XXXX/XXXX/15 statement from Carrington Mortgage and the HUD from the closing showing exactly what was paid to Carrington Morgage. I received a check for the amount of XXXX on XXXX/XXXX/15 dated XXXX/XXXX/15 for my escrow. However the escrow from the statement ( enclosed ) shows {$1100.00}. In addition there was XXXX added to that in the XXXX payment for a total of XXXX. I would like to know what happened to the ballance of my escrow? What account is there for the XXXX left in escrow? 

I have called and spoken to personel at your facility. Nobody gave me a name. I feel obligated to forward this to the Attorney general and the Department of Housing/urban Development. I expect to hear from a representative of Carrington Mortgage by XXXX XXXX/XXXX/15
Following an emergency visit to the XXXXXXXX XXXX XXXXXXXX XXXX in XXXX North Carolina it appears their bill collectors sent a medical bill in XX/XX/2016 to XXXX XXXX in XXXX  XXXX, Mo. Upon servicing this account it appeared the had the wrong City on the mailing address and as time expired wit their practice they decided to post a collection on my credit. Upon contacting them and settling the debt in XX/XX/2016, XXXX continued to report the debt as unpaid which adversely affected my credit for another six months after the satisfaction date. After calling numerous times and requesting the debt to be removed, I had to escalate to a manger named Mr. XXXX. This person basically told me they would keep the bad collection on my account and never remove it. He also said that all he would do is update the account so it reports as closed and satisfied. Upon receive it appears that Mr. XXXX not only closed the account he also posted fraudulent reporting on my credit by showing the account was included in Bankruptcy and that it was handled through a court trustee. Both of these are incorrect. I have never been in Chapter XXXX nor court appointed trustees. In review it has affected my livelihood by tarnishing my mortgage license and every XXXX I have to have a review due to their in accurate reporting. I have spoke to XXXX XXXX again and he basically acts like its no big deal and does not see an urgency in curing the problem. Can you please help?
Today ( XX/XX/2018 ) I called chase bank in regards to mine and my husbands joint account. Our debit cards were declining and my husband was not able to access his bank information through his phone. They informed me that our account had been restricted and that they decided to end their relationship with my husband. No reason given, in fact we were told they did not need/have to disclose that information. Were supposed to call them back tomorrow when the banks are open so they can approve or not approve the branch to release our funds to us. My husband is in the military and this is not our idea of customer/military care!
Signed up for XXXX credit card from US Bank a few Months ago. Benefits included " Bonus Award Nights -- When you redeem Gold Points for XXXX or more consecutive Award Nights, your last night is free. '' Shortly after I received this card/account, this benefit was revoked. This constitutes a bait and switch tactic.
Three charges appeared on my XX/XX/XXXX credit card statement from Bank of America ( attached ) for {$11.00}, {$8.00}, and {$14.00} that totaled {$35.00}. Bank of America sent 3 letters all dated XX/XX/XXXX ( attached ) acknowledging the dispute of the 3 charges as being fraudulent. Bank of America sent a letter dated XX/XX/XXXX ( attached ) indicating that credit for the {$35.00} would be made to my account and issued me a new credit card ending in XXXX with instructions to destroy my old credit card ending in XXXX. My credit card statement of XX/XX/XXXX ( attached ) shows that Bank of America did in fact credit my account for the 3 fraudulent charges of {$11.00}, {$8.00}, and {$14.00}. However, theXX/XX/XXXX letter from Bank of America ( attached ) FALSELY stated that XXXX had also issued credits for the 3 fraudulent charges in 4 ( four not 3 ) credits to my account and Bank of America was therefore adding the amount of the 4 credits from XXXX back into my account.. This action by Bank of America to add the 4 amounts is shown in the attached XXXX print of my online account. However, of the four credits which Bank of America indicated were made only the credit for {$14.00} was made by XXXX AND this was a credit for goods purchased by me from XXXX and then returned for credit as shown by my attached statement of XX/XX/XXXX and the attached receipt for the return. It was not a credit for the disputed charge of {$14.00}. The other 3 credits of {$8.00}, {$0.00} and {$11.00} that Bank of America alleged were made by XXXX never appear on any of my statements and were NEVER made by XXXX. Hence, the action of Bank of America of adding the {$35.00} of the credit it originally made for the fraudulent transactions is itself fraudulent and is only an attempt to cheat me out of {$35.00}.
XXXX is reporting a loan that charged off back in XXXX as 120 days late as of XXXX. That is wrong. If it charged off in XXXX how can they continue to report me and my husbands late in XXXX? XXXX XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold XXXX accountable to the FCRA and make them remove the lates after the account charged off XXXX. We have disputed the account via the credit bureau dispute process, 4 times and they still refuse to fix it.
USAA ( loan officer XXXX XXXX ) pre-approved me for a {$410000.00} mortgage loan in XXXX 2016. I searched for a home and found XXXX. In XXXX 2016, USAA approved me for a mortgage of {$160000.00}, but the home purchase fell through due to damage exposed in the home inspection. In XXXX, since the previous pre-qualification had expired, USAA again ( though this time, through a supervisor, XXXX XXXX XXXX pre-approved me for a mortgage of {$410000.00}. I was unable to find a house, and approximately 90 days later on XXXX XXXX, 2016 USAA ( through XXXX XXXX ) approved me for a mortgage of {$410000.00}. For each mortgage pre-approval ( and for the approved mortgage ), I disclosed that 100 % of my income for the past 6 years was earned abroad and that I have not yet filed XXXX tax returns on this income. I completed a full credit report and XXXX hour interview, which USAA recorded. After I made a contract on a home on XXXX XXXX, USAA suddenly declared that it would be unable to issue a mortgage for {$160000.00} since all of my income was earned abroad. This should not have been - and indeed was not - news to them. The previous pre-qualifications were based on my foreign-earned income. I was referred from XXXX customer service office to the next, from XXXX supervisor to the next. USAA offered to put my parents on the loan to help resolve the problem ( without clarifying that this would also put them on the title, until later ). USAA rarely returned my calls until finally, on XXXX XXXX I was referred to their " executive resolutions team. '' The agent told me to provide proof of filing XXXX tax returns, and I told him to " not cancel my application '' and that I would provide him proof in 2 days, as I had a CPA meeting on the XXXX. On XXXX XXXX, USAA overnighted a mortgage application for me to sign and return by XXXX XXXX, 2016. They sent the same package to my parents and both packages contained confidential information related to me that USAA was not permitted to disclose. What 's more, the application was riddled with errors and could not be signed in the state that it was sent. I emailed USAA on XXXX XXXX asking what to do with the application. USAA then informed me that I " no longer had any applications with USAA '', since the application had been cancelled on XXXX XXXX. In response to my inquiry, USAA explained that the application had been overnighted on the evening of the following day in error. I was referred to the CEO 's resolution team, and then to the business resolution team, and no one has managed to resolve this. Now, my closing date has been cancelled and I am looking for another lender. 
This experience has been a hardship for me and my family.
On XX/XX/2018 I contacted Citibank to dispute a transaction on my mastercard. Citibank refused to dispute the transaction and insisted I call back at a later time. I complained and Citibank responded by cancelling my card. They have since agreed to reopen it, but want me to wait seven days to fix their mistake which is unacceptable to me. I have several bills paid each month with this card and need it active immediately. I also need the {$51.00} charged by XXXX XXXX immediately corrected to {$48.00} that I should have been charged. 

Also I was forced to change the user name to access my account online several years ago and want it immediately changed back to the previous user name.
I am filing this complaint because Equifax has ignored my repeated requests to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 days and can not verify this account, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act, Equifax is required to " DELETE all information that can not be verified. '' Please make them do their job.
Hi. My issue is that Comenity Bank has n't reissued the card for my husband that I asked for nor increased my limit. The communication is shotty. I just filed a complaint. Instead of calling like I asked for they say that they can not do anything because there is n't a phone number listed on my credit report. Yes there is. I updated it last week directly through  XXXX . They need to update their systems. Attached to my complaint is my   XXXX   Report that I pulled directly through them with my phone number on it. I requested another card for my husband almost a month ago and I have n't gotten it. I see that they pulled my credit yesterday with my request for a credit limit increase, but no one has picked up that phone and called me. I have already filed a complaint with the BBB. My next step is to file a complaint through whomever regulates them. Is it the  XXXX ? Attorney General 's office. I have a few inquiry 's on my report due to this very issue. I would appreciate someone reaching out to me immediately. I am sure other companies would like our business because we pay our bills on time and we have never been late nor have had a return payment. I look forward to hearing from someone soon.     Please see the attachment in the personal statement section that shows my fraud alert with phone number. The information was updated last week.
The basis purpose of ones name is to identify XXXX person from another, except with credit reporting agencies, which have regardless of the rules seemingly believe that the rules do n't apply to them. All credit reporting agencies have programs and system they sell to verify name social security number matches but fail to utilize them because they ca n't get consumers to pay for them. Experian for XXXX years have stated they verified items on my credit report, but factually lied because they could n't have because the items did n't bare my name. If any item does n't bare the basis of the correct name then it could n't be verified.