WillisBack/dataset-financial-user-claim huggingface dataset:
I HAVE TRIED TO HAVE AN ACCOUNT BLOCKED ON MY REPORT WITH EQUIFAX SEVERAL TIMES NOW AND HAVE SUPPLIED ALL THE DOCUMENTS THEY REQUESTED TO HAVE IT REMOVED. UNDER THE FRCA  605B    XXXX   AND  XXXX   XXXX  HAVE REMOVED THE FRAUD ACCOUNTS BUT EQUIFAX HAS NOT AND SAYING IT NEEDS TO DO A FULL INVESTIGATION EVEN THOUGH ITS FROM IDENTITY THEFT SO THEY KEEP VERIFYING IT. I HAVE SUPPLIED MY DL, ID AFFIDAVIT FORM AND A POLICE REPORT AND STILL WONT HELP
The agency continues to attempt to collect a debt that is not mines. I have not cosigned for any loan and had a fraud alert on my credit for the past two years.
On XX/XX/2017 I went into XXXX XXXX to buy a gift. 

When I was at the counter paying the XXXX XXXX asked if I wanted to open a XXXX XXXX card which I was under the assumption was a rewards card. Not a credit card. The representative made me enter all my information to submit it and mentioned nothing about running a credit score. I was denied from the rewards card and asked why that was the case and she said because I had no credit experience. 


I go to check my credit score a few months later and there a mark on score for a Hard Inquiry from XXXX XXXX that obviously I was unaware of.
The credit Bureaus is displaying false information regarding a debt that 's place on my accounts. The debt under XXXX XXXX is listed on all my credit reports for {$180.00}. The company sent a letter with the amount of {$110.00}. This is false reporting. I do not have an account in the amount of {$180.00} this account does not belong to me. I need proof of this account or it needs to be removed from my report with updated information.
Hello, I discovered that i have been a victim of Equifax 's neglegence and incompetence in handling credit data. Equifax practically gave away to hackers my data and the data of half of America by storing it improperly ; if the data was encrypted, a basic standard in the data security word, it wouldnt have been accessed by hackers. Second off, i never approved them to obtain and store my data in the first place. How is it legal for banks. Etc to hand over my data to Equifax and similar companies without my consent? If they are going to store data they have an obligation to store it properly and there should be an opt out. I dont see how this company can continue to be in business after releasing all this data. They are only offering one year of free credit reporting to people affected by the breach. Thats unqcceptable. Our XXXXs and other data dont expire in one year so pretection from their mistake shouldnt either. Please update the laws to protect people from companies like Equifax.
R S CLARK COLLECTION AGENCY put a negative item on my credit. I had insurance. This agency did not contact me before putting anything on my credit. R S Clark is not bonded to collect in the STATE OF TEXAS. I sent them a validation request. They never did validate the account, but they continue to report this inaccurate information on my credit
On XX/XX/XXXX Barclay Card US : Incorrectly placed someone else 's bankruptcy on my Barclay credit card account, then ; Closed my account, then ; Removed my reward points for my account, then ; Notified all XXXX credit agencies that my account was in collections, then ; Did not inform me of any of the above. 
This caused my perfect credit score and report to drop to its lowest level in my life. 
Barclay refuses to send me documentation that they have corrected these egregious errors with all XXXX credit agencies. Barclay refuses to reimburse me for the cost of credit reports and FICO scores so that I can track the resolution of their error. 
Since opening the Barclay credit card on XX/XX/XXXX, I had paid every bill in full and on time, and continue to do so.
Huntington Bank advertises publicly a {$300.00} sign up bonus for their Huntington 5 checking account. The public link can be found here : https : //www.huntington.comXXXX I followed all the requirements to get the bonus, and yet Huntington is declining to give out the advertised bonus even though I am not in any violation of the terms and conditions. They claim that since I do n't have a targeted promo code, I am not eligible  for the bonus even though no where in the terms and conditions does it say that a promotion code is required. I have attempted to work with Huntington 3 different times over the past couple weeks and they have declined to be helpful in any way.
I applied for a Home Affordable Modification with Wells Fargo on XXXX/XXXX/XXXX because I could not make the payments required and am three months behind. The response came back that I was approved for the modification and had to make three trial payments of {$3100.00} starting XXXX XXXX, XXXX - this is my current payment which I ca n't afford. The reasoning which I believe got me into this mess when we purchased in XXXX XXXX, is that our monthly household income is {$16000.00} - I WISH IT WAS! My husband and I do have a business which is a partnership and per our Home Preservation Specialists XXXX XXXX, our income is based on the Gross Income of the business and not what the XXXX show or the amount of {$5300.00} we submitted on the Income/expenses for household form we submitted with the loan modification paperwork. They are n't even taking in consideration the expenses of the business or the information provided to them on IRS Form XXXX or the income statements of the business we provided. In the year-to-date income statement we provided for the business our net income for the period ending in XXXX XXXX was {$14000.00} which has to pay for XXXX judgements against the company and past due bills dating back to XXXX that includes payments to the IRS. 
I do n't understand how they can come up with this conclusion when at the end of XXXX, I submitted paper work for a loan modification because we were 6 months behind and fighting foreclosure and they approved our loan modification. Our monthly payments were {$3100.00} prior to the modification and the approved mortgage modification lowered our payment to {$1900.00} which was more manageable for me.
Medical systems is a reporting agent for XXXX XXXX XXXX, in XXXX and XXXX i had emergery room visits which is due upon time of service. they reported the items dates XX/XX/XXXX but the Fair credit act states either last payment date or the date the debt was created. the reporting dates are incorrect and they doing this to keep it on my credit file longer then the debt which is unfair reporting and debt collection practice.Attached is a copy of the original debt from XXXX XXXX XXXX. 
I also think its not right putting XXXX different entitlys on my credit report being its XXXX company it should show up on my credit report as XXXX entity
When I purchased a car from a dealer they told me I had to purchase extended warranty and XXXX insurance or the deal was off. What can I do to get compensated.
Embrace Home LoansMy daughter and I applied for a mortgage for her new house right after XXXX. We have been going through the process since then and they keep asking us for the same documents over and over and keep moving the closing dates and we can not get a straight answer from the Sales Manager, the mortgage manager or the processing department. We get different answers from different people every time we speak to anyone. Very frustrating to say the least plus the fact that my daughter is going through a divorce and wants to move out of their house and move into her new house. please help us and put an end to the incompetency of this company and other ones.
The original creditor is " XXXX XXXX XXXX '' and I have contacted them via telephone and was told that they had billed a different source responsible for my services than the usual one and that they would correct the billing to the one they usually billed.I was told that they would notify " TransWorld Systems Inc '' to Cease and Desist immediately.TransWorld Systems has reported this account to the CRA 's as a COLLECTION ACCOUNT to my credit files in the amount of {$1700.00} which has had a damaging effect to my credit record with the ( 3 ) reporting agencies.
On XX/XX/XXXX I checked my XXXX credit report and a new collection debt was added. The debt collector is Synerprise Consulting Svs INC, the original creditor is XXXX and the balance owed is {$370.00}. The date the debt was opened was XX/XX/XXXX. I have not received any correspondence from this company about this debt and I 'm confused as to why this is just now showing up on my credit report from almost 5 years ago.
In XX/XX/XXXX I experienced a temporary financial hardship when a family member ( my mother ) passed away. Because there was a dependent family member living in her home, I had to maintain the home ( using money from my own funds ) to keep her home going. In addition to the death of the family member, Hurricane Harvey hit in XX/XX/XXXX which temporarily prevented me from selling my mother 's home ; the home was sold in XX/XX/XXXX. My attorney allowed estate funds to be released in XX/XX/XXXX. Maintaining two households caused a financial hardship. I communicated this to Bank of America immediately. I contacted a CSR in the XXXX, FL office and she assured me that once the loan became current ( once I got caught up on my payments ) the negative delinquent payment history would be removed. I sent documentation ( obituary, list of estate expenses, my bank statements, real estate listing agreement, copy of proceeds check ) to Customer Service routinely to keep them abreast of the situation. In XX/XX/XXXX I made a lump sum payment of {$14000.00} to become current on my mortgage loan. I have contacted Bank of America over and over again, and they refuse to correct the delinquent payment history. It has gotten to the point where I had to hire an attorney because Bank of America is giving me the run-around. Every time I send a document they write to me asking me for the same information in another format. The negative credit history, which occurred at no fault of my own, is harming me ... preventing me from obtaining a higher-paying job. It is despicable that someone in a financial institution would tell me that something could be done and then later, after the organization gets their money, they tell me it can not be done. This seems like fraud. Prior to and immediately after the hardship my payments were made in a timely manner.
Transunion continues to report inaccurate, unvalidated information to my credit file. I have proof from the creditor that this information can not be validated. According to the FCRA, this item should be removed immediately.
" Credit Collections '' at XXXX continues to call my numbers multiple times per week after I have written, submitted online requests and verbally informed them that the person they are attempting to collect a debt from XXXX my ex, XXXX XXXX XXXX moved out in 2010. I have informed them he can not be reached at my numbers XXXX XXXX, XXXX XXXX multiple times but they continue to call repeatedly. I.e. last Tuesday they called 5 times between XXXX and XXXX, then called twice on Friday afternoon while I was trying to work. I have zero responsibility for my ex 's debts and am tired of this company harassing me even after I gave them his new number.
On Wednesday XX/XX/XXXX I called to Equifax consumer affairs to fix incorrect information on my credit report I was told to fax supporting documentation to them and I did that and they still did not properly fix my report. Today I call after getting alerts from my fico that several inquiries had been on my report that were not up there previously I ordered a new report with my fico to find that Equifax had changed my date of birth to an incorrect date of birth. I call them back and they tell me that they can not change the date of birth unless I send them something with my date of birth on it. preferably my ID. I had already sent them this back in XXXX when they asked me to, and now every time I ask have to call them I have to send in more information. This is really getting so frustrating its nerve wrecking, its literally causing me very bad emotional distress. They get to be over my credit file but don't get to make sure that they are keeping it accurate. They constantly mess up my file, and don't care. I have 3 collections on my report that were removed back in XXXX that reappeared. They claim they have no record of the accounts not being removed from my file, but told me same thing about another account then i found the confirmation number for that account of an item that was deleted then they found that one. I have filed the identity theft report with FTC and will include that with this complaint. They keep letting old accounts, addresses and and names reappear on my credit report even after removal. I have been trying to ask them why is my account in the office of consumer affairs they will not tell me an exact reason, they will only tell me that its because it is. Every time I ask to speak to a supervisor they all tell me that they are supervisors and that they are the only ones that I can speak to.
I 've had this credit card for 10 years. I 'm the poster child of the housing meltdown and the financial crisis and the recession. I spent over {$60000.00} trying to save my retirement condo in  XXXX - XXXX  and still was fraudulently foreclosed on. If Ba nk of America wou ld have left my on-line account access open, they would have had their money. They closed my account on-line even though I was paying every month. I want my account closed now. I did n't before. But, close my account with all of the obscene fees and charges expunged. Please look into this. My money runs out at the end of summer and so do I.
I received an email from Hyundai Motor Finance regarding a special promotion for loyal customers. The deal was for 0 % for 66 months plus a cash bonus. I went to the dealership XXXX Hyundai in XXXX. I showed the dealer the email I received and asked to see some vehicles. The dealer was not trying to honor the deal I was sent. The dealer also ran my credit 5-6 times through other banks without my permission. I called Hyundai Motor Finance Headquarters to complain and was told they will " attempt '' to reach out to the dealer but it is nothing they can do it would be up to the dealer.
They will not tell me what the debt is. They call several times a day even though I told them my husband is unable to talk. ( He has XXXX ). They never sent anything in the mail explaining what this was about.
I recently received a copy of my XXXX, XXXX, and XXXX credit report. The credit report showed a credit inquiry by the company that I do not recall authorizing. 

I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please have this inquiry removed from my credit file. 
I have sent a letter certified mail because I need a prompt response to this issue and I requested that the company forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

The company redirected me back to CFPB.
XXXX   DI TECH Financial LLC   XXXX .  XXXX   XXXX   XXXX   XXXX  SD, XXXX  Contacted them o n 3  different occasions and offered to provide them with any documentation needed to get this off of my credit. This account does not belong to me.
I finally had the chance to thoroughly check my credit report, I am trying to improve my credit score so that I can buy a house in the future. However, I know I have horrible credit and I have not applied for anything because I know it would be pointless and will get denied right away. 

Looking at my credit report I have decided to contact everyone on my credit report such as collectors, so that I can be in good standing but I noticed that some hard inquiries have been made in my name by an unknown source. How they obtained my information baffles me. 

I don't know how I can get such items removed from my credit report as soon as possible. I am attaching a document that states the inquiries that I did not make.
I sent in a mortgage assistance package to my servicer, Nationstar. Nationstar did not issue a written decision on this package. Nationstar requested documents after they received my package and I transmitted the requested documents numerous times. Many times Nationstar would deny receipt even after I sent it multiple times. I have sent another completed mortgage assistance package and Nationstar 's response is to set a foreclosure sale for XXXX/XXXX/2015
This letter is to inform you that I recently received a copy of my credit report that your company publishesand after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed  below.Under  the Fair Credit Reporting Act,  15 U.S.C. 1681g I have the right to demand that you disclose to me all of the docume nts that you have recorded and retained in your file at the _me of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) ( A ) (  i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd parties you  are damaging my reputation and credit worthiness.Under the FCRA  15 U.S.C. 1681i, all unv erified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
XXXX XXXX XXXX - I spoke to someone on XX/XX/XXXX2019 in order to create a payment arrangement for the bill that is due on XX/XX/XXXX. Per the person I spoke with, I believe her name was XXXX said that they have accepted the payment arrangement - please pull out phone records if possible because it was for {$100.00} on XX/XX/XXXX and the excess of {$91.00} on XX/XX/XXXX. She agreed and we hung up the phone. I called back and wondered as to why XXXX filed a derogatory mark under my credit report with Transunion. I called XXXX about this matter on XX/XX/XXXX - and the representative, I believe it was XXXX again - was not very helpful. She said all they can do is file an investigation. 

Fast forward to XX/XX/XXXX, another representative calls me while I am at work, I inquired about the investigation and per the representative, they have no record of one taking place. 

The representatives with this company just shows how ignorant they are. They failed to give me proper information on how this was going to affect my credit score.
I had engaged a mortgage lender and was incorrectly advised by this lender on a gift transaction. As a result they are telling me I am required to disclose additional information I was told I would n't have to due to this transaction.
XXXX XXXX XXXX reported to the credit bureaus that my XX/XX/XXXX payment was 30 days late and this and untrue and fraudulent. My XX/XX/XXXX payment was paid on XX/XX/XXXX due to health issues with my husband. 27 days does not equal 30 days late. Since then I have paid my mortgage ahead of time to prevent missed payment when life circumstances arise. Select Portfolio states that XX/XX/XXXX was reported late to the credit bureaus because I was late in XX/XX/XXXX this is vengeful and fraudulent. I sent Select Portfolio several payments since XX/XX/XXXX that were well over my monthly, mortgage obligation. I do not understand how I can have a 30 day late when I usually pay more than what is owed. I will like the 30 day late removed from my credit report for XX/XX/XXXX.
I 've been receiving repeated calls from XXXX XXXX XXXX XXXX XXXX for a couple weeks now. The number is from Escallate, a debt collector. I have received no other calls or written notices for debt of any kind, from Escallate or any other creditor, and have no knowledge of owing any debt. Escallate failed to send a written notice within XXXX days of first contacting me, and has contacted me multiple times in XXXX day.
US Bank has not released the lien and sent proper notification by mail to indicate that the loan is paid in full and that the lien has been removed.
New Bargain and Sale Deed was awarded on my home of eleven and a half years to my young son and myself. 

Oregon Divorce Court. XXXX County, XXXX XXXX. OREGON # XXXX - XXXX XX/XX/XXXX XXXX XXXX I would like to write one cheque and pay out loan. XXXX USD. 

Shellpoint Mortgage Service playing games. Requesting Court Docs. Emailed them 4x. 

XXXX XXXX did this for three years also. ( prior servicer on ex husbands loan ) Ex husband is a XXXX  XXXX  with XXXX XXXX XXXX. He also filed bankrupty on this loan in XXXX. 

My young son and I would like to move forward.
This issue that i am have is that XXXX XXXX has a Bankruptcy on my credit file dated for XXXX of 2014.  to my knowledge i have never filed a BK. I have sent letter and file dispute with this company and each and every time the item has come back a verity. Since this item as come back and been verify i have even went as far as sending a letter to the US Bankruptcy Court Of XXXX ask them do please state how they verify item to the credit bureaus, the answer that received back was that they do not verify anything to the bureaus. I sent this documentation along with my request to this agency and this item as come back verify and which this item can not be verify because of the fact that us bankrupt court does not verify
Chase United Mileage Explorer Plus Card states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. XXXX XXXX states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. XXXX XXXX says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.