WillisBack/dataset-financial-user-claim huggingface dataset:
Barclays bank delaware is reporting a credit card on my credit report that is not mine. I did not apply or sign any documents to authorize a credit card to be opened under my name. This credit card is showing on my credit and I have been denied credit by other companies because this credit card is over the limit.
Hello Again CFPB : Now its my hopes that the Consumer Financial Protection Bureau is discriminating against me as a XXXX XXXX Consumer. NoW with that said, let me implore my right to file a complaint under Federal Law with CFPB, THANKS. 

Experian Credit Reporting agency is attempting to suppress my XXXX credit report by 1. Showing a Balance owed with XXXX XXXX XXXX XXXX in the amount of {$42000.00}, a Equity loan that I made as an XXXX man and paid off, but these XXXX XXXX are showing balance still owed, but I 'm contacting CFPB first and I 'm owed {$1.00} XXXX dollars by the government, upon receiving this, Experian, XXXX, and XXXX has to answer me in Federal Court, I 'm good at what I DO! 

2. Now because XXXX XXXX XXXX would n't include my XXXX mortgage loan on my Experian credit report, XXXX I 'm still in charge, XXXX the new ( server ) is on the job, on the block, and do n't think for one minute CFPB I do n't see you role in not having them report my Mortgage, see you do dirt and ignorant XXXX legally happen, but I want CFPB to understand, I know why you did n't investigate, did n't fine, did n't prosecute Experian for not adding Mortgage to my account, but its Ok, I going to subpoena your General Counsel to prove suppression, compromise, injustice, and discriminatory allowable practice by CFPB in its role. 

Lastly, XXXX I know that you folks at the CFPB has notes by my account, to not assist, because of the Power I possess and knowledge concerning DODD/FRANK, FTC role to not assist XXXX Consumer against XXXX, but I going to pick this conversation up and run with it and tell my story and sue and be compensated for telling the TRUTH, WOW! There 's no body stopping me, but me. Now as for my credit report, I 'm well aware of accounts with balances, 28 accounts to be correct, well this rat XXXX at the XXXX XXXX XXXX XXXX, XXXX XXXX, a XXXX, did n't like the way I was able to talk boldly with this crook and he sabotaged my loan request to pay credit cards off, but guess, I still have over {$53000.00} worth equity in my house, I 'm still retired, and still receiving my retirement income, got it! I fight, legal fight all injustices against XXXX consumers, period, but I fight in the courtroom, I 'm 12 and 0 to-date, not an attorney, but I was trained well for 30 years plus in the business world and I consider myself pretty XXXX good following the Rule of Law against XXXX crook, and prejudice rat XXXX when they think you do n't see what they are imploring with XXXX games.
Somebody or someone taking my name on my name on my social security so report to the police on XX/XX/2720
Equifax is not reporting one of my credit cards, the oldest one with higher limit, which hurts my score. My credit card, XXXX, says they report to all agencies, and it does show on my XXXX, but not Equifax. I tried getting a new card and they pulled my equifax report, I didn't get it and now have a new hard pull. When I tried calling to solve they said they wouldn't be able to do it over the phone and I would have to send docs via fax, which is absurd. They keep all our information, they lose it, they affect our life, and when we try to call them they don't help. It's amazing how much power you still give to the reporting agencies.
Equifax is listing my credit score XXXX and they say it is due to overdue payments. The other XXXX credit score agencys have me in the top XXXX. I do not have any overdue payments on any of my accounts.
We have an auto loan with American Credit Acceptance. We have made a substantial principal payment in XXXX 2016. Along with this payment we made a regular one as well. Since this time we have continued to make our schedule payment on time. Upon review of a statement, we saw an error in applying our principal payment in XX/XX/XXXX. When we contacted the company, they tried to correct the error. Up on reviewing the account and trying to trade in our vehicle, we found our remaining principal balance was wrong. We contacted the company once again. The account is still not correct and we are not getting any help and the representatives speak rough English. 
Our last two payments have been kept ( according to the online account summary ) for interest only and this is not correct. It appears the company is trying to keep principle money for interest instead of applying as per the original contract of purchase. 
We need some help or will have to seek legal advice that can be costly.
I applied for the XXXX XXXX card. The promotion clearly states before applying for the card ( instant XXXX dollar gift card upon approval ). I only received a XXXX dollar gift card. XXXX is denying that XXXX dollars. I called XXXX XXXX the issuer of the card and they stated it indeed is a XXXX dollar gift card but XXXX has to issue it. Ive spent over 6 hours on the phone with out a resolution.
1 -On XXXX XXXX, I received an email from 5/3 Bank stating that a {$250.00} cash bonus would be earned if one would " Deposit {$25000.00} or more in new balances into a new or existing Relationship Money Market account by XXXX/XXXX/XXXX. '' The other condition listed was that the balance would need to be maintained until XXXX/XXXX/XXXX to earn the bonus. 
2 - On XXXX XXXX, a deposit for {$25.00} was made. 
3 - Statement covering from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX did not show bonus. 
4 - A call to the phone number listed in the original email resulted in my being told I should receive a call by XXXX/XXXX/XXXX to let me know of the status. That call was never received. 
5 - A visit to the " XXXX XXXX '' branch where this account was opened and the required deposit was made led to a bank employee calling on my behalf. The employee was told that I would not receive the bonus. 

That is basically the situation. If any further information, documentation, etc. is needed, please contact me. Thanks in advance for your help in this matter.
I moved from my last apartment on  XXXX   XXXX ,   XXXX  . I paid the bill we received in  XXXX  but nothing after that. However, I see that {$110.00} has been sent to collections and is a negative mark on my credit report. I called in  XXXX    XXXX   to close my account so I do n't know why I was ever charged for months that I did n't live in the apartment. I have a lease to prove that I was not in the apartment for the charges ( {$110.00} in  XXXX    XXXX   ).     I contacted  XXXX   XXXX  but they refused to do anything about it unless I could provide written proof that I contacted them to shut off my account in  XXXX    XXXX  . I did this over the phone so I have no  paper trail.
I entered my information into the database to opt out of prescreened consumer credit offers, but American Express persisted in sending me unsolicited offers.
Jefferson Capital System s aid i owe  XXXX   XXXX  After reviewing my recent credit report i contacted the company letting them know this not my debt and do not have or ever had a account with them asking them to remove this account through letters the company did not respond more then a month and a half  XXXX   XXXX  Bank said i owe them  XXXX   XXXX  i contacted them through letters stating this debt is not mine asking them to remove it but 2 month have gone by with no reply   XXXX    XXXX  has inquiries on my credit file  XXXX ,  XXXX  and  XXXX  that should not be there. i have a credit card account with them in good standing These are soft inquires so why do they show up on my credit fil e  XXXX  rep ort a inquiry  XXXX  i never applied for credit  with  XXXX  i sent letters requesting them to remove the inquiry with no reply
I purchased a new home ( address XXXX XXXX XXXX, XXXX, Az. XXXX on XX/XX/XXXX. Funds were wired from my mortgage company to Lakeview Loan Servicing ok XX/XX/XXXX. 

The seller was in foreclosure prior to the completion of this sale. Funds remitted to Lakeview paid his loan in full and should have resulted in the stoppage of foreclosure. It did not, and a foreclosure sale occurred on XX/XX/XXXX. 

I have tried, unsuccessfully to get into contact with Lakeview to have them resolve he matter. Foreclosure should be rescinded immediately. 

Separately, the debt collector/attorney of the company which purchased the foreclosure stated verbally to me that they knew the lender had messed up but that they needed to threaten me with action to get me to put pressure on the mortgage company .... Not ethical business practices on behalf of attorney XXXX XXXX in XXXX az.
UBS disbursed a check to me from my deposit account, this check was stolen before it was delivered to me. I am seeking to get the money that UBS was supposed to disburse to me. 

* XX/XX/XXXXA check from UBS was disbursed to me on XX/XX/2017 by mail for XXXX from the money in my deposit account. 

* XX/XX/XXXX The check was not received during this time. I started my inquiry with UBS on XX/XX/XXXX, several phone calls happened. It was reported to me that the check had been cashed at XXXX XXXX XXXX ( I do not bank at that institution ) and a copy of the cashed check was mailed to me. 

* XX/XX/XXXX OnXX/XX/XXXX XXXX XXXX Control Officer UBS Equity Plan Advisory Services mailed me a list of instructions to start the investigation. I complied and returned the requested notarized affidavit along with the official police report. Via certified mail I confirmed the delivery of the required documents happened XX/XX/2017. I was instructed to wait 100 days.
* XX/XX/XXXX I was informed by a UBS representative that the investigation being conducted by XXXX XXXX XXXX XXXX was not complete, and that XXXX XXXX XXXX XXXX was requesting an additional period for investigation. I have been informed that nothing can happen until the investigation in completed, and I have not received confirmation that the investigation by XXXX XXXX XXXX XXXX has began.
XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to purchase a home but XXXX is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau XXXX, XXXX, TransUnion.
I have disputed the late payments on this XXXX  XXXX XXXX account for months. XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
The mortgage company, Green Tree Servicing, added " Hazard '' ( insurance ) to my escrow payments. I already have homeowner 's insurance through a reputable company XXXX XXXX XXXX XXXX and was contacted by them when Green Tree decided to start " making my insurance payments ''. I DID NOT authorize any changes to my account and will continue paying my premiums directly to XXXX XXXX. I do not want Green Tree 's " insurance ''. I also told my XXXX XXXX agent that I did not authorize any changes to my insurance policy or method of payment.
XX/XX/2017 I was purchasing an airline ticket from XXXX XXXX and saw a promotional offer for the Mileage Plus Explorer card from Chase. The terms for this card included a {$50.00} statement credit, XXXX bonus miles, and a XXXX dollar intro annual fee for the first year. A couple months later I was looking up a charge for something else and noticed that I had been charged the annual fee for the first year that was supposed to be waived. I have contacted chase about this many times and gone through all the processes and they still refuse to credit me back for the {$95.00} dollar charge. I have never signed up for a card with an annual fee and would have never done anything like that. I also took a picture of the offer, as I have been taught to do, to document the offer I received.
I filed chapter XXXX bankruptcy XX/XX/XXXX.completed plan XX/XX/XXXX. 
northwest financial servicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
their phone XXXX XXXX. 
This matter concerns XXXX medical bills that were included in my chapter XXXX.they were discharged in the bankruptcy.i have tried to make them aware of that fact so they can stop collections and stop reporting to the credit bureaus.they refuse to stop all activity.Northwest manager name is XXXX. 
medical bills on credit report shows XXXX and XXXX.equifax is showing balance of XXXXbalance as of filing of bankruptcy was XXXX and XXXX. 
date of doctor visit was XXXX.reference numbers are XXXX XXXX XXXX changes account numbers on collections.Thank you for your assistance in getting this collection issue resolved.my bankruptcy attorney is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
my name is XXXX XXXX XXXX.they also have collection activity on my spouses credit report.XXXX. 
would want it removed from collection on her also.
In XX/XX/XXXX I had a capital one credit card. I fell behind in payments because I lost my job. When tax time came I called capital one and asked for a pay for delete because they had been reporting on my credit report ... I was agreed and I made the payment. I paid the complete payment and to this day the acct is reporting as closed and paid but its still reporting as a collection on my credit report as of XXXX
Hello, I am a 2011 graduate of XXXX XXXX University with a student loan outstanding debt of a small house in the country. The only problem with that is the outstanding amount the loan company asked me to pay every month, which I was n't able to do. It 's the equivalent to a monthly lease on an apartment. This caused me to be referred to a lawyer firm to " collect debt ''. I 'm constantly being harassed that I should settle or increase my payments. Both of which I ca n't do because I do n't make that amount of money to be able to do just yet. I 've asked to be on a lower payment plan ... denied. I 've asked what other options I have that could be worked out with me having to pay rent, eat, actually go to work to make money, etc. Nothing is really being done apart from the phrase " if you do n't increase your payments soon, there is n't much I can do. I 'm doing what I can, but clearly it is n't enough. The flip side to that is that I did n't land a job in the field that I graduated from. I 'm using what I did go to school for just a little bit. In all reality, I could 've just purchased software and used trial and error to figure this thing out. Now I 'm stuck paying this super huge amount of money back and the only thing I feel like was actually worth asking for a loan was the living expense that helped me get started in a new city as a young adult. At this point, I 'm sure I 've paid off that amount of living. 

In all reality, I do n't believe that XXXX XXXX University is worth taking out this much debt unless you already have something established prior to attending. After doing research and hearing the amount of complaints with this school and the graduation rate ... the proof is there. I have contacted other student loan help ( which worked ) concerning federal loans ( subsidized, unsubsidized ), now I would like to have my private loans reviewed to hopefully get a similar result.
In XX/XX/XXXX, I took out an unsecured loan to help finance aircraft rental. The lender was XXXX XXXX. The rental company was XXXX ( XXXX XXXX XXXX ) located in XXXX, FL. I fell on hard times and was unable to repay the loan. XX/XX/XXXX the account was closed. 
XXXX is reporting to the credit agencies that this was an education loan. In no way shape or form was this an education loan. XXXX  is not an accredited college or university. No degree was ever offered or obtained. 
As such, as of XX/XX/XXXX seven years has passed. This is the limit of ability to report and or a line item to remain on a persons credit report.
On my Equifax credit report # XXXX appeared a fraudulent XXXX   XXXX XXXX account # XXXX opened on XXXX XXXX and a new address, also fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, PR.
The XXXX credit bureaus ( XXXX, XXXX, and experian ) are improperly reporting my home line of credit under derogatory items. XXXX XXXX XXXX put it down as " collateral depreciation '' and the credit bureaus now put it under derogatory items and it lowers my fico score so I ca n't refinance my other properties. Hence, discriminating against the millions of consumers who had their home values drop, negatively affecting their overall ability to borrower at the best rates.
XXXX Purchased a XXXX 2010 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Notified Chrystal Capital that I was on a Medical FMLADiscussed with Customer Service and it was agreed to do a defer to end of loan some payments.And i was to receive a Contract to sign and send back immediately but never received. 
Made several calls to Customer Service, since i received no call or mail from them on a update, To be told " Oh it 's denied ", and you ask for a reason and your told they never tell us. 
Then Customer Service, says pay more money and we will do it again. Same thing just on going " Denied '' No reason. 
Now, I have all these fees added and late charges and my Loan shows that I owe more money now then i even borrowed. 
My interest rate was to be per XXXX, XXXX i questioned before i signed @ XXXX, and was told XXXX. 
I called Chrystal Capital, one month ago cause things did not seem right a questioned my interest rate and they said XXXX. 
i never agreed to 21 percent on this SUV. 
they have the hole just getting deeper and deeper and i am seeing NO way out with Company. 
I need your help Please, I XXXX Chrystal Capital and read XXXX Complaints On Consumer Affairs alone. just, like mine and alot on other sites too.
XXXX account is being reported as 1st date of delinquency as XXXX 2015. The account was paid in full well before that date so how can the 1st date of delinquency be XXXX 2015. please have them delete the whole XXXX account /file from the report.
A woman called and asked if XXXX XXXX was available. I told her yes and she said she was calling regarding a " XXXX XXXX that I defaulted on in 2007. '' I asked her to send it to me in writing and she stated she would not, this was a last attempt before the matter was sent to litigation. I then asked for the company information which she deflected twice and finally provided. I asked her if I was being sued and she said yes, you will be sued if you do not resolve this matter immediately. I told her any outstanding debts from my past have been paid in full. She then told me I needed to fax proof that I had resolved the debt. I asked why I would be required to send physical proof when she was unwilling to do the same. She responded that she was n't being sued. I told her I was n't going to send anything until they sent me proof first and when I tried to explain that I have a XXXX credit score she kept interrupting me. I ultimately hung up the phone.
XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I orginally had signed a lease for 6 months at this complex but later on that day I found out that I was being laid off ( During the Financial Breakdown of 2008 ). I called the then property manager XXXX and let her know what had transpire and she agreed to cancel the agreement. Three years later I have a collection hit on my credit report of a broken lease with XXXX XXXX from Fair Collections and Outsourcing. I have never lived in this complex and I have been fighting with them to take this off my credit report.
XXXX University is a ripoff I would like to discuss a situation dated XXXX XXXX to XXXX XXXX in regards to a term I wanted to do a setback on not withdrawl just a holding period in which not to withdrawl funds of any kind from fasfa, it turned against me unfairly by my student advisor, I repeatedly asked this person to not withdrawl me from the term I just needed an emergency family leave for a couple of months to be placed on a hold. Next I received a bill in the amount of approx {$130.00} of a balance owed for XXXX session within that that term to which I have not taken. Plus they pulled with non authorization from my student loan account. I tried contacting over and over spoke with this person one time. Nothing has been resolved they are a private instituion in which want to bank all profits no matter what the cause. They state clearly they would do whatever it takes for students to succeed and give back where needed to continue your career goals. Well I amongst others find this to be very misleading upon other allogations. So after emails and a written letter sent to the main office in XXXX, IL to the student dean I have heard nothing, all I got was repeated bills sent now owing {$800.00} with no explanation as to why? I refuse to pay a high price for misguidance and misleading information and fraud on obtaining funds from Fasfa. I am almost upon graduating and from what I have recieved from the FTC already was a refund check of a small amount in a settlement some others students had file all being seniors and close to graduation the same things happened that are going on with my status. I even tried to resolve coming back to finish guess what nobody wants to assist my status.
After paying off my account balance with Discover recently, they chose to lower my credit line to XXXX from XXXX. They cited recent credit items as the reason for the decrease, most of my accounts are paid off recently. If anything, my credit line should have gone up due to my score going higher.
A law office repeatedly calls me on a weekly ( or even more often ) basis. They apparently serve as a debt collection agency. I discovered this by XXXX their phone number. They leave the following message : " This is the law office of Linebarger, Googan, Blair, & Sampson calling for ( so-and-so ). This message is in reference to account number (  such-and-such ). ( Unintelligible ) call XXXX. '' I called the number several months ago and left a message telling them they have the wrong number. I said : " Nobody by the name of ( so-and-so ) lives at this number. Please stop calling me. '' They have not had the decency to cease and desist, so I am filing this complaint. If they keep calling me, then I may hire an attorney.
A couple years after XXXX I noticed a XXXX XXXX ( now ) XXXX loan on my credit report that i never signed for. In the last 5 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. You can find my documents uploaded as instructed with your site.