WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX Account Number XXXX Account Type Unknown Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$300.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments This account is not mine, it was removed from my report and then added again. As a result my credit keeps decreasing.
I have two accounts reporting to my credit. XXXX XXXX is reporting to my XXXX and XXXX/XXXX  is reporting to my TransUnion. I have attempted numerous times to find out who they are and why they are reporting to my credit. I do not recognize them nor their original creditor. Neither initially had any of my information. Neither was able to pull me up by my address or my social. All they have done is sent me generic letters which are basically invoices claiming I owe them. I have requested numerous times going on six plus months now for an investigation from them and the bureaus and are met with a generic response and invoice saying I owe. I have requested proof and have been sent none even though they claim they have proof and were able to prove it. I have requested proof of the investigation and have received none. I have filed a complaint with the FTC for identity theft as their behavior and refusal to provide me with proof and/or evidence that these are my accounts leads me to believe my information is not secure and may have been compromised.I have filed a identity theft police report also. I have also filed numerous complaints with this forum and all the companies have to do is respond with their basic responses and the complaint is closed. This is still a open issue. I currently have an open investigation with TransUnion that is scheduled to be completed XX/XX/2017 but fear they will do nothing more than respond with a generic response saying it is mine and not provide me with the proof or deletion
I have disputed an account XXXX and also provided documentation to establish the reporting companies failure to respond appropriately in accordance with Federal and State regulatory laws. This is my final attempt to have the reporting agencies correct the fraudulent information that does not belong to me, and that the company has failed to prove by the virtue of the laws governing.
This is in response to the Experian credit report I received saying that both XXXX XXXX and XXXX XXXX has been verified. I have contacted Experian endlessly regarding the removal of XXXX XXXX and XXXX XXXX from my credit reports. These are erroneous and fraudulent accounts. I have filed an Identity Theft report with the FTC and I am uploading my drivers license, bank statement as proof of address, as well as both reports from the FTC for these fraudulent accounts. I have also included a copy of my XXXX report showing that XXXX  has done their due dillegence by deleting XXXX XXXX and XXXX XXXX from my report with them. If Experian comes back again and states that both of these fraudulent accounts have been verified as accurate, I will then request the method of verification under FCRA Section 611 ( a ) ( 6 ) and ( 7 ). Please remove and BLOCK both of these fraudulent accounts ( XXXX   XXXX and XXXX XXXX ) from my credit report immediately.
Dear CFPB, I am writing you today because while reviewing my Equifax credit report ( Confirmation # XXXX ), I noticed several unauthorized inquiries being listed by Equifax XXXX. XXXX XXXX XXXX, GA XXXX, ( XXXX ) XXXX. 

The following inquiries have not been authorized by me and should not be listed on my credit report : XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX I have attempted to resolve this issue with Equifax, all to no avail.
XXXX XXXX in California has been on my report in collections for my refusal to pay charges that are not mine on a account I had with them when my husband and I where XXXX at XXXX XXXX. I had trouble with incorrect billing with them several times and decided to stop my services. The company picked up the equiptment and I thought all was good. Then I get a bill of charges that where still not correct for XXXX. I called them and they basicaly tried to extort money from me stating if I pay XXXX dollars for water usage they would remove the other charges that stated I never gave them the equiptment. I said absolutly not and filed a XXXX complaint. It was resolved yet the company still has been trying to collect for charges that where not valid I was called daily for years on my cell phone and told them I will not pay for charges that I did not make and gave them my attorneys number. I also never recieved anything by mail to prove any charges where valid or where or what they where trying to charge me for because the account was done with and paid and all items picked up. I have had this deleted from expirian yet it remains on the other XXXX major credit. I need to make sure the other XXXX will delete this as well
On XX/XX/XXXX of 2018 we started the Home Mortgage loan with Wells Fargo. And on theXX/XX/XXXX Wells Fargo informed us with the pre-approval letter and they told us that it was very likely that the loan was going to be given out to us. They also informed to us that commitment letter was going to given out to us as well. And on the XXXX of XXXX commitment letter was received and we notified all the party that the transaction was going to happen soon. They told us to pay Wells Fargo {$660.00} for the house appraisal. And the {$660.00} was given out to Wells Fargo on the XXXX of XXXX. And on the XXXX of XXXX they denied my loan. Nothing changed and we did everything in our power to listen and gave Wells Fargo out trust.Through this whole process and we spent a lot of time and money outside from third party as well. We trusted Wells Fargo and even paid {$660.00} like they asked after telling us that the loan was going to be given out. We talked to Wells Fargo and they told us that they do not have time to deal with small issues and kick us to the curb. They also stated that if we wanted our money back for the unfair treatment, we were going to have to file a complaint to the Consumer Financial Protection Bureau.
I have account with Synchrony XXXX though a HVAC unit that I purchased, the company set this account up after the unit was installed on my house. I have tried to reason with this company but when one try 's to solve the problem with a representative of the company it never is solved. I just received XX/XX/XXXX statement and their was another late fee charge only because I sent them a payment of {$150.00} my monthly payment amount minis the late fee, well they added another late fee to the {$150.00} + XXXX =XXXX +XXXX =XXXX. If this keeps up I will owe more in late fees then the unit is worth. My payments were only a day late. That 's my complaint no grace period,
On XXXX XXXX, 2015, a friend of mine in XXXX wired me USD {$500.00} from his bank, XXXX, in XXXX. Only {$470.00} was posted to my account at XXXX XXXX XXXX XXXX XXXX. He paid the wire transfer fee separately. On XXXX XXXX, 2015, he wired another USD {$500.00}, once again paying the wire transfer fee separately. Once again, only {$470.00} was posted to my account. I called XXXX XXXX, and they said that {$470.00} was all that they got. 
I contacted XXXX in XXXX via email, and they said that they sent USD {$500.00}, and that the Federal Reserve took out a fee of {$25.00} for transmitting the wire to my bank. I contacted the Federal Reserve, and they said that the XXXX XXXX XXXX 2015 fee schedule is {$0.00} for transfers up to {$14000.00}. 
Whenever I have received wires before from overseas, I have never had any fee charged. {$25.00} is not a large amount, but something may be going on that affects more than me. Somebody is taking out {$25.00}. I am getting no place in determining who this might be, and would appreciate your help in this matter. 
Thank you for all the great work that you do. Every American is proud of you and grateful for what you do. Keep it up
I contacted XXXX to request two late payments to be removed and was told to file a complaint or dispute instead ; XXXX will review the facts of the complaint or dispute and make a determination after. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX XX/XX/2018 To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains two ( 2 ) late payments reported XXXX & XX/XX/2018 for my 75-month Installment Loan account. 

I want you to know that I understand my financial obligations, and if it werent for me losing my job due to being laid off, I would still have an excellent repayment record as noted with my payment history. I made a mistake when I fell behind, but since then, I have successfully gained new employment with XXXX XXXX grossing $ XXXX annually. Since then, Ive had a spotless record of on-time payments. 

As a single father of XXXX boys who I currently have full custody of, Im now planning to go from being a renter to a homeowner. With my plans of applying for a mortgage, its come to my attention that the missed payments on my record will hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for both XXXX and XX/XX/2018. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
In XXXX, I took an Uber ride. The exact details escape me but I was grossly overcharged by the driver/Uber. The charge total was {$64.00}. I reached out to the Company who admitted that the time and miles for which I was charged did not align with the services provided. However, they refused to reverse nor reduce the charge to a satisfactory amount. In XXXX, I disputed the charge with my credit card company who took my side and reversed the charge. 

On XX/XX/XXXX, I opened the Uber application while in XXXX XXXX simply to look at the estimated time of arrival for nearby Uber vehicles. After seeing that they were all too far, I closed the application and used another ride hailing application. On XX/XX/XXXX, I logged into my XXXX XXXX XXXX bank account to find that they had debited {$64.00} from my bank account. Not only did I not use their service, I did not authorize Uber to charge my bank account. The debt they are trying to collect is not valid and has been in dispute since XXXX. Uber has my contact information but has never tried to get in touch with me to resolve the complaint.

The unauthorized use of my personal financial information and the unauthorized transaction charged to my debit card is gross misuse of their role as a merchant. I have asked Uber to delete my financial information from their system but that has not happened. Instead, Uber continues to process unauthorized charges to my accounts in hopes that I will not see them. This charge is not valid and the amount owed is not valid. If Uber wants to collect this amount, they can take me to small claims court. Otherwise, they have not authority to charge my accounts.
I started the process of debt verification XX/XX/17 and have been fighting this issue every since. I submitted a letter to company for validation of a debt they say I owe, but I have never been provided signature validation of the debt. The debt is not mine and I have been expressing this through certified letters. This states that I owe them $XXXX and the debt is not mine. I have requested validation with no resolution. Why would I pay a debt that is not mine? Customer service regarding this issue is disgraceful.
I defaulted on my payday loan with XXXX. I got into a difficult financial situation and am trying to get caught up. Have spoken with reps at their collection agency APG about working out a payment plan but I do n't know yet how much I can pay until my payday the XXXX. So instead of waiting 5 days they call my work and cell multiple times a day to see if I have magically gotten money yet to pay them off. They sent a verification of employment letter to my employer today. I thought they could only do that if they have n't been in contact with me?
Chase bank mishandled a dispute with a merchant. 

XXXX at the executive office at XXXX ( extension XXXX ) ( actual transcript ) : Me : XXXX minus XXXX is not XXXX GA XXXX : OK again MR XXXX WE CAN DISPUTE ( That ). 

No we cant dispute math, its facts. I was scammed and Chase helped them. 

Shes in Chases executive office and shes letting foreign scam companies charge checking accounts without providing any services!
Sold me a vehicle, insisted an insurance payment was included in the payments for the vehicle, continues to collect money for it wo n't provide a policy number, also " guaranteed '' me that it was in tip top shape, and that all needed repairs were seen to before the car made it to the lot, I have put 800 dollars in repairs in 5 months for things I was told were already repairs. I had taken the vehicle to the service department on multiple occasions, was told nothing was wrong, only to be inspected by a licensed third party and fail insurrection for multiple safety issues, still shakes profusely at medium to high speeds, I returned the vehicle and they have contacted me XXXX times in less than a week, and have begun to text me on my personal line as well, they are attempting to force me into admitting it 's a repossession, rather than voluntarily returned due to being suckered into a contract under false representations of repairs warranty and insurance coverage being included and it was not. I was also told that every successful payment will be reported to creditors and not XXXX of them was ever reported XXXX, I was promised that it was a credit building operation.
I own a company, XXXX XXXX XXXX. I had an employee steal my personal and business information. They opened accounts in my name and ruined my credit. I have brought civil action against XXXX XXXX & XXXX XXXX. I won my lawsuit. They were also charged criminally and convicted. I have attached my legal work and I ask immediately that these accounts listed below be removed from my credit report due to fraud. 

1 ) XXXX XXXX XXXX  CC Opened XX/XX/XXXX balance {$16000.00} ( Remove ) 2 ) XXXX XXXX Opened XX/XX/XXXX balance {$6000.00} ( Remove ) 3 ) XXXX Opened XX/XX/XXXX {$0.00} Balance ( Remove ) 4 ) XXXX Opened XX/XX/XXXX Balance {$32000.00} ( Remove ) 5 ) XXXX   Opened XX/XX/XXXX Balance {$4500.00} ( Remove ) 6 ) XXXX Opened XX/XX/XXXX Balance {$27000.00} ( Remove ) 7 ) XXXX XXXX XXXX ( Home Equity Line of Credit ) Opened XX/XX/XXXX {$320000.00} ( Remove ) 8 ) XXXX XXXX Bank XXXX XX/XX/XXXX {$0.00} Balance ( Remove Account was compromised by fraud because my bank account used to make payments was stolen ) 9 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2100.00} XXXX Remove Account ) 10 ) XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$99000.00} ( Remove Account ) 11 ) XXXX XXXX   Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 12 ) XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove Account ) 13 ) XXXX Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 14 ) Portfolio RC Opened XX/XX/XXXX {$3500.00} ( Remove Account ) 15 ) Sunrise Credit Service Collection Opened XX/XX/XXXX ( Remove this Account it is part of my civil suit ) 16 ) XXXX   XXXX Opened XX/XX/XXXX Balance {$6100.00} ( Remove this account ) 17 ) XXXX XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove this account ) 18 XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX ( Remove this account
My information has been sold to a third company which turns out to be a fraud law office " XXXX XXXX XXXX  XXXX " the date on my credit report shows XX/XX/XXXX this company has two of my medical bills one at {$63.00} and the other {$1300.00}, I have not received a notice in the mail about this from the collections agency that was assigned my debt.
I recently requested copies of my statements and cancelled checks for the last year from my checking account. I was emailed 6 months worth of statements.  Wells Fargo sa id they could n't email the rest because " only some of them could be opened ''. They said they could only print them, but the files could not be opened. I then looked through the statements I did receive. I received  XXXX  different and conflicting statements for the month of   XXXX   XXXX   They are both clearly from the same account, and yet they have different information on the statements  ( one  said we were overdrawn for the month and the other said we had over {$4000.00} in our account ). When I spoke to  Wells Fargo  about these obvious problems in their records, and asked them to look into these problems. They said that they would not do that, it was against policy to investigate problems like these. Well, these are my records and since there is a very obvious problem, this needs to be addressed.
I accepted Suntrust bank overdraft protection after reading their disclosure statement and what I needed to know about overdrafts and overdraft protection. In their statement it says : " An overdraft occurs when you do not have enough money in your account to cover a transaction, but the bank pays it as a courtesy. Suntrust can cover your overdrafts in two different ways '' : 1. We have standard overdraft practices that come with your account 2. They offer overdraft protection plans. 
It continues : " You will incur a fee of up to {$36.00} each time an overdraft is paid. '' On XXXX/XXXX/2015 my available balance was XXXX and my balance was XXXX. Since XXXX was the last business day until XXXX/XXXX/2015 all transactions made by me with my debit card would show as pending. My total charges from XXXX/XXXX/2015 thru XXXX/XXXX/2015 totaled XXXX against a balance in my account of XXXX. On the morning of XXXX/XXXX/2015 I received an e-mail from Suntrust informing me I had an available balance of XXXX. So all charges showing pending throughout the Holiday week-end would be paid with funds showing in balance of XXXX. Therefore none of those charges should have been charged an overdraft fee. 
Then at XXXX on XXXX/XXXX/2015 I was left without options and if not paid the utilities were due to be cutoff first thing Tuesday morning XXXX/XXXX/2015, so I used my debit card online and paid the utility bill. Well rather than doing what I have been told by several Suntrust employees a pending transaction amount is deducted from available funds so to pay transaction when presented by merchant. That 's not was done. They treated all transactions that were pending as if they came after the XXXX utility charge thus overdrawing the acoount and charging XXXX overdraft charges. There was never an overdrawn acccount. All charges authorized by me before XXXX were done with the available funds. Furthermore based on Suntrust documentation there was never an item presented without sufficient funds. I had the original XXXX available and when the XXXX was presented for payment on XXXX my direct deposit had posited. 
I feel Suntrust is very deceptive in its business practices. They do not adhere to their own disclosures. As a consumer how can you do business when they control your money and once seized by them it is impossible to have returned
I had a product through Equifax that they discontinued, they did not tell me that this was happening, I called when I tried to log in and was informed by website that I had no monitoring product. The first person I spoke with said that my payment had been denied, then gave me credit cards ran for payment that were not mine, the second person was less helpful, I spoke to a manager and she told me that the product that I had had been discontinued and offered me a product that was similar for the same price, this person also had the correct credit cards for billing.

So she signed me up but I was unable to log in, she opened a trouble ticket with their support team. Seven days later i called back and spoke with a very snippy person who told me that it had not been 10 days and to call back. I was completely frustrated. I asked for a manager and was told NO. Two days later my payment had been credited back to my acct and MY EQUIFAX SCORE HAD DROPPED 60 POINTS. My score for the other agencies dropped by 5 points for a couple of new credit inquiries. 
I WILL NEVER DO BUSINESS WITH EQUIFAX AGAIN.
I have a Kroger 1-2-3 Rewards Visa card, issued on XXXX/XXXX/16 by U.S. Bank. Points are assigned, based on a XXXXcategory, XXXXpoint system : XXXX point per dollar of net purchase outside Kroger XXXX ; XXXX points per dollar of net purchase inside Kroger XXXX ; XXXX points per dollar of net purchase of Kroger brand products. 

On my Visa account, XXXX purchases made inside Kroger Store # XXXX XXXX {$59.00}, posted XXXX/XXXX/16 and {$12.00}, posted XXXX/XXXX/16 ) were designated incorrectly, as though the purchases were made outside a Kroger store, in spite of the fact that the statement shows the purchases were made inside the Kroger store. These place-of-purchase errors resulted in an understatement of reward points. Specifically, the first error, on XXXX/XXXX/16, resulted in an understatement of XXXX points ( Correct : {$59.00} x XXXX points = XXXX points ) ( Wrong : {$59.00} x XXXX point = XXXX points ) [ Net Understatement : XXXX points ]. The second error, on XXXX/XXXX/16, resulted in an understatement of XXXX points ( Correct : {$12.00} x XXXX points = XXXX points ) ( Wrong : {$12.00} x XXXX point = XXXX points ) [ NET Understatement : XXXX points ]. In total, U.S. Bank/Kroger owes me XXXX more points. 

Since my account opened on XXXX/XXXX/16, I visited the website ( XXXX ) every day and therefore know when U.S. Bank/Kroger posted a purchase transaction ( on the Account Activity screen ) and whether the purchase was designated as inside Kroger or outside Kroger, by seeing a change in the accumulated points in each of the XXXX categories ( on the Rewards Center screen ). When I saw the first place-of-purchase error, I ( a ) printed the Account Activity screen and the Reward Center screen, ( b ) began documenting the actions I took to try to have the errors corrected, and ( c ) printed the XXXX screens thereafter when the next transaction posted. Therefore, I have proof of these errors, and XXXX continue to visit the website daily in hopes that the errors I reported have been corrected. To date, I have spoken to XXXX people at U.S. Bank ( on XXXX/XXXX/16 ; XXXX/XXXX/16 ; XXXX/XXXX/16 ; XXXX/XXXX/16 ) and XXXX person at Kroger ( on XXXX/XXXX/16 ). All have passed my issues to someone else, thereby thwarting my efforts to speak directly to someone who has the authority to correct the errors and who can tell me when the errors will be corrected. The errors have not been corrected. Furthermore, I was given conflicting information about who assigns points. I asked XXXX different people at U.S. Bank : " Which company -- U.S. Bank of Kroger -- assigns points to a category? '' I was told, " U.S. Bank '' by XXXX person, but told " Kroger '' by the other person. When I spoke to a representative at Kroger, the answer was " U.S. Bank ''. It seems as though I am getting the run around. To date, the errors have not been corrected and I have not received a phone call, an email, a text, or a letter regarding the errors and when they will be corrected.
XXXX bought my loan from Car Finance. Car Finance still reports my account open with a balance, after numerous disputes both with the credit bureau and with the company. Both companies report my account as open, overstating my debt about and duplicating my derogatory payment history.