WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing this message regarding all three credit bureaus they have not reported my accounts correct and they will not remove the fraudulent activity which happened a year ago also the credit garnisher has not reported my XXXX account that I have made good with payments on so far and they will not drop the fraudulent accounts that I have tried multiple attempts to get off such as XXXX   XXXX, XXXX XXXX and hopefully you can be able to help a crime such as fraud on your credit report can really screw life up for you hopefully we can get this resolved
I have a banking account with Citibank that was opened XXXX XXXX, 2015. There is a bonus of XXXX XXXX miles for opening the account after meeting spending requirements on the debit card as well as paying bills which I have met. Despite meeting the requirements in XX/XX/XXXX, my points have not yet posted. I keep on getting excuses from Citibank about when the points will post. Most recently they told me that my account is missing a XXXX form which I promptly supplied and they confirmed receiving it. I am not getting any replies to secure messages that I am sending them from my online account and the phone agents say they can not do anything about it. I have attached PDF 's from their replies which should explain the situation in more detail.
During the past year leading up the new year of 2015, I have sent several correspondence to Equifax, disputing derogatory information that has appeared on my credit reports. I have been accomodated by the other bureaus ( Transunion, Experian ) to be able to dispute items online, receive reports, etc. Equifax has not provided such accomodation. I tried to file an online dispute to remove a negative item only to be told I could not based on the information I provided.
Unfortunately my husband who paid all the bills and took care of all finances passed away unecpectedly XX/XX/XXXX. Prior to that in XX/XX/XXXX he went to a debt consolidation company which we thought was legit. We signed the agreementa and made the payments. Unfortunately after his death, I had to seek a probate lawyer because he died without a will. She explained their practices and at that time I found none of the payments had been applied to the credit cards which meant all were already in default. She suggested I make a settlement with the credit cards. I did so with the two I thought I had and had contact with. This credit card company has not made any claims to this debt until now over 2 years later. I look on XX/XX/XXXX and it shows XXXX balance so I assumed it was the Citibank I already paid. The only reason I found out is I have been trying to bring my credit score up and I constantly look at XXXX. There was an open collection listed on my report for XXXX. I have since learned it is a debt collector for Citi Bank. I did make a XXXX payment to Citi Bank on XX/XX/XXXX which I thought settled everything. To my horror this is another account. I have ripped the house apart for any type of paper trail on this account and I can not find one piece of paper. We were in desperate financial trouble at the time of his death so I am not doubting that he opened this card. Once he passed I had no acces to any account info because it was on his work laptop which was siezed in XX/XX/XXXX and I had no way of getting in it because of security measures. I did speak to XXXX today and requested account info but looking on XXXX it shows the acct closed collection/charge. 
I honestly thought I was climbing out of this nightmare until I got onto XXXX. I have been getting XXXX # calls but the lawyer said they can continue to call so I assumed it was what I thought was paid off. How can a company do this? It just destroyed my credit history that I have worked so hard scraping and scrimping to repair? I am desperate for help.
During XXXX and XXXX, I had XXXX send auto debits for monthly payments direct to Capital One, to assure timelines of pmt. In XX/XX/XXXX, Capital One sold my " debt '' to a collections agency ( XXXX ), who said that no payments had ever been ade, despite my proof on checking account statements showing monthly deductions sent to Cap One. I hired an attorney, who spoke with Capital one and XXXX, and to make this issue go away and not effect my credit adversely any longer, agreed to pay the {$350.00} balance in full, again. My atony wrote a letter to XXXX and Cap One, with all parties agreeing to my paying the balance in full, Cap One not reporting this account as a charge off, and that NO late payments would ever be reported on my credit report stating such, as Cap One had been paid on time monthly. This was to insure that everything was fully satisfied for all parties involved, and XXXX said they 'd send a release/receipt back to attny within 24 hours. On XX/XX/XXXX, Cap One added a note to my credit report stating that I was late the entire year of XXXX, filling each grid on my credit report with either a 30, 60, or 90 day late notation. ( this math is actually impossible if you look at it ). They also notated a charge off, a collections transfer, and that the account was closed by credit grantor, making it look as if I had n't paid per the legal agreement set up to report the account as closed, never late and paid in full. This goes directly against the fair debt reporting act, and is why consumers can NEVER see to get ahead of anything. This account was opened in XXXX, and paid in full and closed in XXXX. It 's ironic that the late payment notations and charge off/collection notes have just appeared on my XXXX report, as it 's almost to the 7 year statute of limitations for reporting debt in VA. 5 years after fully satisfying the credit card debt, multiple times actually- as Capital One would never admit to receiving the auto payments from my checking account, although XXXX shows they left my checking account monthly, went to Capital one properly notated with my act info, and never came back, I paid them consistently, on time, AND paid a full balance AGAIN to a collector that Capital One sold my debt to, despite the fact they were being paid on time.
hi i just found that i have a judement on my home i have been working with a mortgage company on selling my home so i can move closer to work the problem is i have contacted FIA Card Services several times also my mortgage company has to we have sent all info they asked for to release the judement and know body has contacted me or the mortgage company everything shows satisfied on my credit report we was told that me or my mortgage company would be contacted in 24 to 48 hours this has been going on for a month what is sad you can not talk with the people that handles this you talk with someone that tells you what to fax to them i filed bankruptcy in 2010 and they act like they dont have to do anything
I strongly disagree with Chase 's policy that prevents people from depositing cash into another person 's account. I asked a friend to deposit money into my account and he was rejected by Chase 's branch in XXXX, Texas. He was forced to go buy a money order and come back to make the deposit, which they then allowed. This policy is a hassle and nonsensical. I was told it was an effort to combat money laundering. I would like to know how preventing a small cash deposit of {$100.00} stops money laundering when they turn around 20 minutes later and accept an anonymous money order from the same person? He did not write his name or address on the money order, so there is no record of who made this deposit. This is a terrible policy that is not friendly to Chase customers or their family members and apparently does nothing to combat the problem it is designed to alleviate.
My mortgage was sold to Green Tree from XXXX. Around the same time, I fell into some hard times with a significant loss of income and increase of medical bills. I attempted to look for options with Green Tree and was told I only qualified for a stream line modification but was n't provide with any details. Only that I would need to make XXXX trial payments and after I paid the last XXXX, then I would find out the details of the modification. Once I received the modification, I realized it was n't in my favor to accept it. I spoke with the supervisor on my account that explained to me if I decline the modification, that it will take a few days to reallocate my trial payments to my mortgage since I was shown as being late and close to default. XXXX is the supervisor on my account. She informed me that I would be able to make payment arrangements to make up the difference and the amount would be spread over the next 3-4 months so everything will be caught up. She also mentioned which I was n't aware at the beginning that I had other options that I could have explored. The trial payments were for XXXX, XXXX, and XXXX. I have been dealing with XXXX my account XXXX XXXX XXXX and her supervisor XXXX since the first week of XXXX with no resolution. They consistently told me I owe over XXXX and need to pay the balance. I have no statements to show where the XXXX trial payments were reallocated to my balance nor where they came up with the balance. I have been treated like I 'm a dead beat loser that needs to pay the whole balance or go to foreclosure. XXXX has been rude towards me and have avoid my calls and even hangs up when I try calling her. I left numerous voice mails to both XXXX and XXXX with no return calls. The couple times I was able to actually speak to XXXX she would continue to say I 'm not discussing anything unless your ready to make a payment for the whole amount. I have been seeking support from my family and church and wanted to continue which was first discussed with XXXX as far as making payment arrangements to clear my past balance. I also would like to see in writing how everything was reallocated. My statement shows a balance over XXXX does n't reflect the amount of XXXX they told me to pay. I tried talking to someone else in customer service and their own department but everyone routes the calls back to them which leads me no where. No one will look into this matter for me. I am stuck dealing with XXXX individuals that are not willing to discuss or assist me in this matter. I have nothing written to show where the balance is coming from. I was not late for 3 months during my trial period but still show being late close to 180 days. I need someone to review my account and provide me in writing what my past balance is so I can make the proper arrangements to pay everything.
I am in the process of disputing several inaccurate items on my credit report which has taken several months to resolve. While attempting to access my report via Experian, I have been denied access to my records. This is highly frustrating and the website informs me that I now need to buy a report from them. I am not interested in spending money to correct errors and omissions on my report just to benefit Experian 's profits. I have tried several times over the course of a couple weeks to no avail.
The mortgage lender noted that they could not pull my credit from Equifax because the name wasn't updated. I contacted Equifax 6 times within the last 2 months with issues on updating my name. My phone records will prove it. Each time I was transferred at least 2 to 3 times to speak with someone or call a different number for help. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the issue is still not fixed. I had a name change through marriage ; my full name was changed to a different one. I submitted required documentation to show proof. I submitted my driver 's license, marriage license and social security number. I needed them to fix it expeditiously because I found a home to purchase and was looking to close on it on XX/XX/XXXX. I spoke with a customer care representative from Equifax last Saturday ( XX/XX/XXXX ) and he mentioned that my name was updated and I will receive a letter in the mail in 7 business days. I did received my credit report on Tuesday ( XX/XX/XXXX ) but they misspelled my first name so my mortgage lenders ( XXXX XXXX , XXXX ) said they can't use it to pull my credit report. I called Equifax on this same day ( XX/XX/XXXX ) letting them know that they misspelled my first name ; even when I submitted documents with the correct way my name ( first, middle and last ) was to be on my credit report. She told me that their process is 7 business days but she could email me the results. The problem with that is they can't tell me which name the report is under. When you type in the name incorrectly XXXX time, it kicks you out of the systems and you are unable to get the report. I feel that they incorrectly typed my name so why do I have to wait 7 more business days for another one? I told them that I need it for closing on a home by this Friday ( XX/XX/XXXX ). I was told that there is nothing they could do for me even though it was there fault for spelling my name  incorrectly and sending it by mail. Can you please help me? I need it by Monday ( XX/XX/XXXX ) so that I can close on time.
I have disputed XXXX through multiple sources. After much work the XXXX account was removed from my XXXX credit file. The XXXX account also needs to be removed from equifax and XXXX credit files as well. The collections account for XXXX, XXXX XXXX, needs to be removed as well. If the XXXX account is not valid neither is the collections account.
I deposit my payroll check via KeyBank mobile app on Thursday, XX/XX/XXXX. On Friday, XX/XX/2018, I learned that my payroll deposit was placed on a 7 day hold. Now, KeyBank is charging me over draft fee ( s ) when in fact they have my mobile deposit.

I have tried to resolve this issue with KeyBank Customer service, Bank branch teller & manager, Mobile department, and their Executive office. No one seems to be able to tell me why the hold was placed on my deposit or remove the hold. I was told that I will be contacted in 1 to 2 business days and I have not been. This is very concerning to me as there is a staffing issue to resolve my issue.
XXXX XXXX is reporting that I am late on child support every month. That is not true. My child support is drafted out of my check every month. I have disputed this error with XXXX XXXX, but they are still reporting it on my credit. I contacted the Attorney Generals office and they confirmed that I am not late on any child support
XXXX  should not be reporting this! This is an entry for collection for a debt that says I owe a debt of {$550.00} to this company called XXXX XXXX XXXX. This a place whom I have never done business with. I have never opened an account with them. I never signed any contract with them for anything either. So they have the wrong person and this is inaccurately being reported and reflecting bad on my credit report. I bet they can not show you anything that I bought with them bearing my signature or a contract that I signed that shows that I owe them anything.
Inability to upload files ( XXXX or XXXX ) to Experian for online dispute reporting. It is not an issue of file size, even considering the stated upload size available, which you should review. And, if uploaded docs may be easily hacked enroute (? ), why " offer '' this option? I will call to see if FAXING doc is an option on next business day ; my doc contained names and a bank contact no, but referenced only last XXXX digits of account in dispute, which actually needs to be removed from my present credit information. Credit company STILL too difficult to access for help. This is the age of digital information, not reliance on snail mail. Internet search also reflects this issue with uploading docs. Why is this problem being allowed to continue? Thank you.
Due to loss of employment I was unable to pay my mortgage. I put the home up for sale in XX/XX/2017. We knew it needed to be a short sale because of the amount owed on the first mortgage and a huge second mortgage. A contract was received in XX/XX/2017. OCWEN has continued to play games for over 7 months stating they didn't receive the offer, then they lost our offer. We had a preliminary acceptance via email after 5 months but they needed an appraisal or BPO for final acceptance. The person that claimed to do the BPO NEVER entered the home as we have electronic records of entry and she valued the home the same as totally updated homes in the subdivision. We filed a complaint and have NEVER heard back. Repeated phone calls, emails, voice mails go unanswered! 

The buyer of 7 months walked away from the transaction! This is their way of trying to force me to foreclose and pay back the money. I'm XXXX years old and only have social security to live on and that barely puts food on my table. 

They still will not respond!!!!
The issuing company, USAA, phoned me and told me the XXXX credit cards I had with them had been compromised & that they would have to issue new ones. OK, an inconvenience but not a problem. I have been a customer of USAA for 54 years. I asked if they could expedite shipment of at least XXXX of the cards since I do use them ( or have been able to use them 'til now ). They said OK, & in a couple of days ( after I had destroyed the old cards as directed ) XXXX new card arrived at my house. I followed instructions to activate it and the voice mail then told me it was ready to use. I later tried to make some small online purchases ( USAA has a record of them! ) with the new card and USAA bank refused to honor it ; the purchase was declined. I called USAA several times, talked to several of their stooges there, all of whom assured that the card was NOW correctly activated, bur when I try to use it the order was declined. I was finally able to place a small order using a credit card from another bank with no problem. In addition the second card that USAA was supposed to send me was returned to them by XXXX. USAA refused to tell me why. I am so far ahead on payments to both USAA credit cards that the minimum payment most of the time is XXXX, so I 'm not behind. I have USAA tracking numbers to prove it. Either their software is screwed up or, since I 'm an old guy, they 'd like to get rid of me after I 've given them 54 years of business, or their war hero CEO who does n't have the guts to put a street address instead of a PO box anywhere that I can find on the USAA website, so that I can mail him a personal, certified, return receipt requested, deliver to addressee only letter, has now hired XXXX, XXXX and XXXX for agents. I call them, they tell me the issue 's fixed, I try to use the card, and the purchase is turned down, and they will not tell me why the XXXX card has been returned to USAA, and at the very last call ( a day ago ) the latest agent ( a woman ) said I 'd have to call ahead of time and get permission from Mommy at USAA before I could use the card that I do have.
On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received ( promotion XXXX ). The promotion promised an award of XXXX XXXX XXXX miles upon completion of {$1000.00} dollars in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. 

I completed all the necessary requirements on XXXX XXXX, 2016. According to the terms and conditions of this offer, the checking account would have to remain open for additional ( 90 ) days after all requirements have been met. Therefore, by XXXX 2016, I should have received XXXX AAdvantage miles in my account. However, no miles to date have been received. I have contacted Citi Bank about this issue and they are now claiming that this promotion was not offered in conjunction with my account.
Navient has been raising the interest on the account to unethical amounts. I have been paying more than minimum payments since 2010, and have only reduced from the principal amount on my private loans by about {$400.00}. Their tactics are designed to keep you stuck and paying them your whole life. Preying on individuals who can't afford to pay off in lump sums or have good enough credit to refinance is a core problem with major finance companies. Another bubble is being created and companies like Navient are the catalyst.
I asked  XXXX  to verify the account and they still have not even aft er 4 ce rtified mail request to do so, I currently have a lawsuit against them, as well they marked my account late 30 days several times and I never got notifications but by the credit reports after the fact, I have not seen the car f or 2 week s after purchase as I was a supposedly a co-signer, they also failed to place on my credit report that the account has been disputed by me.     I also have lawsuits agains  XXXX , Equifax and   XXXX   for not doing anything about this unverified account even though they have been told about it via certified mail numerous times and they have not responded to any of my letters for verification as well
I sent a SEPA transfer to Coinbase on XX/XX/XXXX. My bank says it 's in their account. I responded to Coinbase questions on XX/XX/XXXX about my processes, and determined my processes were sound, which leads me to believe something criminal is occurring. 

1. The ID Verification is completed, as I sent a SEPA transfer once before, onXX/XX/XXXX, 2.  SEPA is therefore added as my Payment Method 3. The names match across accounts 4.  The currency I sent money in was XXXX 5. In sending the money, the XXXX, XXXX, and references number were included. The Ref No : is XXXX My bank said the money was out of my account Thursday XX/XX/XXXX. 

My case number # XXXX Please find attached details of the bank, which I used two days prior to wire money.
I had XXXX ( XXXX ) checking accounts at Wells Fargo. I banked with them for probably 20 years. On XXXX/XXXX/16, I received an email from Wells Fargo notifying me that one of my accounts had been enrolled in the QuickBooks or Quicken Direct Connect service. This email indicated that there was fee for this service. As I had never enrolled in such a service and was not interested in it, I called the number listed in the email -- the Wells Fargo 's customer service for personal accounts telephone number ( XXXX ). The person I spoke to informed me that her records indicated that I was not enrolled in any such service. She told me the email I received was a phishing scam ; she directed me to forward the email to XXXXXXXXXXXX and delete the email. I did. Later, I received a printed letter ( attached, dated XXXX/XXXX/16 ) from Wells Fargo thanking me for enrolling in the QuickBooks or Quicken Direct Connect service at Wells Fargo. After that, I closed both of my accounts. Then, I received two emails ( attached ) notifying me that both of my accounts could not be charged for this QuickBooks/Quicken Direct Connect service.
I went to get an annual mammogram covered 100 % by my insurance. I have been billed for a service covered by insurance.
I submitted a request to have a medical debt removed from my credit report. I had previously asked for validation, even though the collection agency states I did not, and had not received anything until 4 days ago. Upon opening the envelope, I was shocked to see a statement of procedures I received from XXXX XXXX. I have no problem paying what they state I owe, which I also dispute but will just eat it and pay, but I feel a Hipaa violation has occurred with a list of my medical procedures being sold to an agency for collection. Furthermore, XXXX XXXX XXXX XXXX is not licensed to collect in XXXX, Florida.
A few months ago I checked my credit to learn that I have a collection account. I attempted to dispute the item with the credit bureaus, they returned and stated the accounts were verified. I then made contact with with the collection company in writing requesting verification. After several communications back and forth over two months they have still not removed the items nor have they sent anything to verify  the debt. Furthermore, I requested information on their registered agent within my state and have filed to provide that information. Please assist me!