WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX Has been reporting a late payment on my XXXX and Experian credit reports dated XX/XX/XXXX. They are not reporting late on Equifax. I never paid this account late, I tried contacting them on over XX/XX/XXXX occasions by mail, both regular mail and certified, and by phone. They never responded to me by mail with anything at all. By phone they told me that they can not help me and that I must contact them by mail which I did many times with no responses. When I disputed with credit bureaus they do nothing but verify the late payment with no justification. I know for a fact that I never paid this account late because I was paying with autopay and checking it monthly. They are negatively affecting my credit which is preventing me from acquiring business loans and certain balance transfer cards that I need to save money on interest for my other cards.
Upon trying to secure a loan for a large ticket item, I learned that Equifax XXXX XXXX XXXX, was reporting incorrect information about my credit profile. I called Equifax numerous times to correct the errors and was told by many representatives that my file had been " XXXX ''. Apparently this happens so often that they have their own department to handle " XXXX '' files. On XXXX XXXX, XXXX, I filed a dispute with Equifax for all of the errors in my report to which they claim to have " verified '' all the erroneous accounts as being mine. In addition to this they did not complete their investigation until XXXX XXXX, XXXX, 31 days after I filed my dispute. On XXXX XXXX, XXXX, I contacted Equifax and requested their " Method of Verification '' that is statutorily required. They not only did not know what I was talking about, after several transfers to mangers and supervisors, they flat out refused to provide the documentation, as required under federal statue, to me.
Have been trying to close a credit card account with Citi ... they said the account was closed but refused to provide confirmation that the account has been closed. I am still receiving e-mail and postal mail correspondences on the closed account.
Received letter dated XXXX/XXXX/XXXX stating that my 15 yr HELOC loan I will have to be paid off on or before and will not be renewed in XXXX. I was lead to believe at time of signing that they could renew loan after initial 15 yrs. This was also reiterated by XXXX XXXX XXXX XXXX, Senior VP XXXX XXXX XXXX New York Community Bank, a couple of yrs ago. I emailed and called her when I received inclosed letter and she said I should start looking for another solution now. Never offered any other loan or help from NYCB. They bought out and closed down my bank branch in XXXX but serviced the loans. Please see section XXXX of agreement I signed in XXXX. I believe servicing the loan also means according to agreement.
XXXX/ACCT XXXX used an expired Bank of America debit card to charge a fee. Bank of America allowed the debit which overdrew my account. They refuse to refund the {$35.00} 00 fee. I am trying to close my account which is why the debit card is expired.
IQ DATA AKA XXXX HAS BEEN SENT LEGAL DOCUMENTATION IN REGARDS TO SUCH SAID DEBT AND REFUSES TO COMPLY WITH FEDERAL GUIDELINES AS WELL IS MIS REPUTATION THIS DEBT GOES BACK TO XX/XX/XXXX AS THEY UPDATED WRONGFULLY REPORTED XX/XX/XXXX THIS IS COMMUNICATION ERROR AND MIS REPUTATION AND VIOLATION OF THE FAIR CREDT ACT
My principal on my house went up by XXXX since my last payment of XXXX. I have had no late payments for over two years. How could the principal go up when I am paying over the minimum due?
Hi, I have a XXXX account # XXXX, which I have disputed with Experian for since XXXX XXXX, 2015. Please find attached the police report for your reference. Please note that this account resulted from identity theft and due to an error on the police report where this account was listed as a XXXX account instead of an Experian. This account never existed on my XXXX report.
Inquiries have been showing up on my credit file that I have not authorized. I have contacted every single company listed and not one has removed them from my credit reports. I have been a victim of identity theft and want them removed so I contacted the credit bureaus directly and they have yet to remove them. Please help me. My credit is ruined do to this and I am in need of help with this situation.
1.   XXXX   XXXX   XX/XX/XXXX  2.   XXXX   XXXX    XX/XX/XXXX  3.   XXXX   XXXX     XX/XX/XXXX 4.   XXXX   XXXX   XX/XX/XXXX 5.   XXXX   XXXX   XXXX    XX/XX/XXXX  6.   XXXX   XXXX   XXXX    XX/XX/XXXX  7.  XXXX   XX/XX/XXXX ,  XX/XX/XXXX  8.   XXXX   XXXX     XX/XX/XXXX ,  XX/XX/XXXX 9.   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX 10.   XXXX   XXXX    XX/XX/XXXX 11.  XXXX   XX/XX/XXXX  12.  XXXX   XX/XX/XXXX 13.   XXXX   XXXX   XX/XX/XXXX  14.   XXXX   XX/XX/XXXX  15.  XXXX   XX/XX/XXXX 16.  XXXX  XX/XX/XXXX ,  XX/XX/XXXX  17.   XXXX   XXXX   XX/XX/XXXX 18.   XXXX   XX/XX/XXXX 19.   XXXX     XXXX   XXXX     XX/XX/XXXX ,  XX/XX/XXXX  20.   XXXX   XXXX    XX/XX/XXXX  21.   XXXX   XXXX   XXXX     XX/XX/XXXX 22.   XXXX   XXXX    XX/XX/XXXX ,  XX/XX/XXXX 23.  XXXX  XX/XX/XXXX ,  XX/XX/XXXX  XX/XX/XXXX ,  XX/XX/XXXX   XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX .
I have sent Certified letters to all three credit bureaus to have this bankruptcy removed from my credit report and I have received the same response " This item has been verified through a third party reporting agency " I have a letter from the US District Court stating they do not verify to anyone.
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Bank of america has been a nightmare for me this month with their messed up claims depth, to all their crazy fees, and fees that do n't make sense at that. They have poor customer service, in which they do n't do enough to help or get anything resolved for you! This is my fifth complaint, and I will keeping complaining everyday till bank of America helps me get my {$200.00} stolen from my account, all the mystery fees on my account, and a {$35.00} I got today for XXXX cents taken out by XXXX, in which I did n't know because I never authorized XXXX to do that! These companies take advantage of little people like us, because I work hard for my money and ca n't afford all these smacks bank of America has given me with taking my money! I am switching banks, once I get my money back because I just ca n't trust this bank anymore. I never do any claims because it 's embarrassing and their claims process is corrupt and unjust to the customer!!! I am not so XXXX off the street! I am XXXX yrs old and never dealt with such bad service!!
I would like to place a complaint regarding TransUnion and the practice of reflecting duplicate collections for XXXX alleged item that is below {$600.00}. There were duplicated collections reflected on my TransUnion Credit Report in XX/XX/XXXX. The debt collector was posting duplicate items for XXXX account. I had to file XXXX disputes with the XXXX agencies ( XXXX, XXXX and TransUnion ) since the debt collector reported duplicate collections. XXXX and XXXX deleted XXXX of the XXXX the collections. However, TransUnion only deleted XXXX out of the XXXX. As of XXXX XXXX, there is another duplicated collection. This practice of filing multiple or duplicate collections drives my credit report extremely low. I was also never provided evidence of the collectible item for any of the items on XXXX.
I have had issues with my Keybank account for 6 months. I have been with Key Bank since XX/XX/XXXX. Only in the last 6 months have I had issues with my account having fee 's. I can write a check and make a cash deposit to cover that check. Only to find that a week later a auto pay that should have been declined was paid and my checks were not. Seeing that I had paid these long before the auto pay came out it should have been paid. No, I was charged XXXX return fees. ( then more fees 2 weeks later as the checks where re-ran without notice ) I have gone into the bank to clear up a few issues as my savings account had hidden fees and was not told about it. I went to a branch and asked to clear it up and was told my account was closed with no notice and there was nothing that they banker could do. I called the phone banking system and told this to a phone banker and was told that they process the highest payment first and do not process transaction in the order that they have received Them. Because of this policy I have been charged over {$800.00} in fees XX/XX/XXXX. It is XX/XX/XXXX I have not touched my account for a month and it has grown to - {$420.00} dollars. I have been reported to XXXX with no notice and this has seriously affected my income and my finance 's period. I have gone into branches and called in several times and get told there is nothing they can do for me. I want my fee 's paid back and my name cleared out of XXXX I should be reported for a bank account with hidden fees that the bank will not make right.
My identity was stolen on or around XXXX XXXX. During the time period of XXXX XXXX - various accounts were opened in my name. One of the companies Key Bank, i notified on XXXX that fraudulent accounts were open in my name. i spoke to someone on the phone at location below. 

KeyBank Fraud & Disputes Hotline XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, A Fraud & Disputes Hotline Analyst at Key Bank that i spoke with indicated to me on the phone that there were actually more than 2 suspicious accounts in their system in my name open. He said i should mail documents in to them, which i did on that same day. I submitted all required documents - including a police report, my identity theft claim and all documents they required to the address listed above. 

to date, no one has contacted me in writing or by phone to indicate these accounts are closed. i want a letter in writing-not a phone call - that all accounts fraudulently opened in my name ( XXXX XXXX or my maiden name XXXX XXXX ) are closed. I have to date, NO accounts with KEY BANK at this time that i opened on my own. 

i am filing this complaint wanting help in getting this matter resolved.
I initiated a dispute with the credit bureaus in regards to some identity theft. Someone used my information to obtain medical and an apartment. I sent this collection agency my ID Theft affidavit, and ID 's and they wo n't respond. 

I 'm attaching all of the documents sent and the tracking to prove they received it. Please help. This is affecting my family and my health. 

Thank you, XXXX XXXX
I have had a long standing, perfect pay history, line of credit with XXXX. It is important to maintain a good credit score and I monitor mine. XXXX pulled out of Texas and sold all branches to BB & T. As a result, my 8 year, perfect standing, on-time payments, very low balance, line of credit with XXXX was closed and moved to BB & T. The problem is that BB & T now shows a new line of credit. The CFPB should dictate that when banks move accounts between each other, the acquiring bank must use the original open date of the credit / loan. The time the loan is open, on-time payments, and low percentage outstanding all contribute to a higher credit score. With NO action on the consumer 's part, my credit score went down by over XXXX points month-over-month because the several positives with XXXX, became slight negatives with BB & T ( new credit, new credit inquiry, no payment history ). No other changes occurred on my credit reports ( except slightly lower balances on month-end cycles on XXXX credit cards as compared to previous month - which should have resulted in an increased credit score ). In my case, my excellent credit rating went down to good but many other consumers would have been more detrimentally impacted. This is an opportunity for the CFPB to make the banks change their account conversion / account acquisition practices, and methods to not negatively impact the consumer. Of course the consumer credit score effects the rating and interest rate on new credit, extension of credit, etc. This complaint should be directed against both XXXX and BB & T.
I have disputed multiple times with Equifax to remove a medical collections from XXXX XXXX XXXX ( it placed at the credit bureau from Collector - XXXX XXXX XXXX ). 

I have spoken with XXXX XXXX XXXX Billing dept and they have informed me they have requested that the collection agency they use ( XXXX XXXX XXXX ) PULLED/REMOVE the collection from my credit report as it was pulled back " in-house '' into their office and was satisfied and should NOT be reported to the credit bureau. 

Each time I disputed the item ( based on my conversation with XXXX XXXX AS WELL AS MY conversation with XXXX XXXX ), Equifax does NOT Remove the item from my credit report. 

I have a letter from XXXX XXXX XXXX ( that they requested Equifax to PULL/REMOVE the collection from the Equifax b/c they had sent the concern bACK to XXXX XXXX and I also have a letter from XXXX XXXX Billing department that the collection should be REMOVED from the credit report. I do not know WHY Equifax is refusing to remove it!!!!!
America 's Servicing Company ( ASC ) is trying to pull another fast one on me. About the end of XXXX 2016, I received a letter from XXXX XXXX, Senior Vice President of ASC. Basically, the letter stated that my mortgage would be going to a new company called XXXX on XXXX XXXX, 2016. Which is the reason I contacted CFPB in the first place. Anyway, since the communication began between myself and XXXX XXXX, XXXX at ASC, his main concern has been for me to call the XXXX people and start sending my payments to them. XXXX XXXX is very disturbed that I will not do it. What happened to the mortgage servicing transfer process? I have not received a servicing transfer notice yet. I have no idea what the effective date of transfer is. As I said, I have not heard from XXXX. I mean, has the transfer of ownership even been recorded on public record? This not being honest with consumers, is a major problem within America 's Servicing Company. They make their own rules. Thanks so very much CFPB staff for being here for America. 
ASC is also cheating me out of my XXXX Modification Loan. The first page of the Amortization Schedule shows what I should be paying right now. Look at the mortgage statement XXXX 2016. XXXX XXXX, is trying to send me to XXXX paying {$740.00}, when it should be paying less.
I have never heard from this company of any kind. I have not been contacted at all via phone, mail or email. This company has failed to contact to me. I have never heard of this company at all and never authorized an account to be put in my name at all
My XXXX debit card was mistakenly given to somebody else at a restaurant. My card was used by that somebody else to purchase {$75.00} worth of shipping at the post office. My bank did not inform me that there would be a {$50.00} surcharge added to my account for their " services ''. The investigation took two months and in the end only {$25.00} was rebated back to my account. Does n't the bank have the obligation to inform me of this {$50.00} surcharge that they claim is federally mandated? I would n't have wasted my time filing different claims and having the headache that I did, had I known they would be charging me {$50.00} to get back my own money ...
I have XXXX credit lines with Capital one all were on ACH. For some reason - XXXX of my cards is n't on ACH all of a sudden and then I received an email this morning relating that I missed a payment ( Discovered later on my own - Capital one CS could n't explain this to me ). No calls or emails were sent indicating i missed my late fee until just now, which was stating i was n't eligible for a credit line increase for 6 months. They also charged me a XXXX fee. When I called the customer service line and indicated that I made my payment through the application she just continued over and over to ask if I wanted to make the payment. I indicated to her that I had ACH and wanted to understand why they did n't draft and that all my accounts were on ACH and that I pay much more than the minimum monthly ( Just paid XXXX on another capital one card last week ). She continued to just ask me if I wanted to make a payment and that they could n't retrieve my funds ... I continued over and over to ask " WHY '' you could n't retrieve my funds. There was more than enough for the minimum payment to draft from my financial institution. Again she said that she did n't know and if I wanted to make a payment. Clearly I was becoming frustrated so I asked for a supervisor. She transferred me to a phone line that indicated they were closed ( Calling Monday XXXX XXXX 2015 @ XXXX XXXX EST ). The rep just xfered me over and the line states to call back after XXXX Est when they are open.
In XX/XX/XXXX, I called XXXX XXXX XXXX to close my account and I paid my balance off in full. When I closed my account, there were no remaining charges. 

In XX/XX/XXXX, after receiving a bill in the mail saying that I was late on a payment, I called again to confirm that my account was closed. I was then told that my account had not been closed, which was very frustrating. The person I spoke to removed the charges that had accrued. He also told me to follow up in two weeks to ensure that the derogatory late payment remarks were reported as an error to the credit bureaus. I was told then it was taken care of. 

Currently, the late payments for XX/XX/XXXX and XX/XX/XXXX are still on my credit reports, even though XXXX XXXX XXXX recognized the mistake that had been made on their part by continuing to keep my account open. One representative I spoke to listened to past recordings from my conversations where XXXX -- XXXX XXXX admitted to the error and said they would remove the derogatory late payment remarks. I have written to them and filed disputes with the credit bureaus and XXXX has not yet reported the correct information to the credit bureaus. 

I also received a letter from XXXX -- XXXX XXXX dated XX/XX/XXXX that says my account balance has been {$0.00} since my last payment of {$350.00} on XX/XX/XXXX. The late payment derogatory marks being reported to the credit bureaus are from XX/XX/XXXX and XX/XX/XXXX. If I have had a {$0.00} balance since XX/XX/XXXX, how could I have late payments in XX/XX/XXXX and XX/XX/XXXX of that same year?

Thank you for your help in this  matter.
Capitol One keeps reinserting a delinquent account that I was an authorized borrower on. They are reporting it as a joint account and it was never a joint account. I have a current capitol One account that has never been late.
AgencyXXXX reported incorrect public information on a background check related to my drivers license. Disputed the claim with the AgencyXXXX. AgencyXXXX merely verified that the information they obtained, thru reporting agencyXXXX was identical. AgencyXXXX did not require AgencyXXXX to verify the information supplied. AgencyXXXX referred me to AgencyXXXX to dispute the issue. AgencyXXXX required additional paperwork, and 30 days to investigate. I have referred AgencyXXXX to the public source of the information which has a public portal / direct access to the info. Information ignored. By having this layering of supplying agencies, disputes are never truly investigated back to the source.
Fifth Third Bank is terrible credit card company. Stay away!!! 
The calls are answered by people who can not understand English. I have requested that my account be closed already 4 times, yet it is still not done. Only false promises and lies. Every month there is a problem because Fifth Third will not mail me my bill. Also, they are not able to send a notification email that the statement is ready. Impossible to work with. 
I spoke with " XXXX '' and " XXXX '' employee # XXXX in XXXX.
On XX/XX/XXXX, I executed a promissory note in the original principal amount of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX dollars ( {$180000.00} ) to purchase my homestead. The current holder of the said promissory note is OCWEN Loan Servicing, LLC to whom I am making monthly payments. I applied for Loan Modification as pursuant of the Government Home Affordable Program and eventually OCWEN Loan Servicing called on XX/XX/XXXX, that my monthly payments went higher than when was originated. I, along with my husband, who is now XXXX, have been attempted to modify our loan through OCWEN Loan Servicing and I will attach soon communication evidences in between us and OCWEN Loan Servicing. On XX/XX/XXXX, OCWEN Loan Servicing sent Opportunity for Appeal and I responded on XX/XX/XXXX as the Opportunity for Appeal for Loan Modification. On XX/XX/XXXX, OCWEN Loan Servicing responded that application is currently COMPLETE, as of XX/XX/XXXX, they were not requiring any additional documents from us. While OCWEN seemingly trying to modify my loan, at the same time, OCWEN Loan Servicing are trying to foreclose on my property. I wish to return to my home but OCWEN Loan Servicing were continuously threatened us to foreclose my home and my family left for fear with OCWEN Loan Servicing 's Agents were trespassing into my house by intimidation, while simultaneously working with my mortgage modification ( called " dual tracking '' ) to allow myself to avail the Federal Affordable Loan Modification, but OCWEN Loan Servicing continuously sending notice to foreclose us. We were terrified and worried as they forced us to leave. It is my assertion that OCWEN Loan Servicing have not dealt with us ; as borrowers in good faith.
According to the Equifax website for determining if I am part of the major personal information breech reported on XXXX XXXX, XXXX XXXX https : /XXXX ), I am believed to be at risk and my personal information has been compromised. 

A data breech on this scale is utterly irresponsible and totally unacceptable.
Attempted to deposit {$240.00} at Suntrust authorized ATM ; {$60.00} was returned. Submitted a claim the following day and received a temporary credit of {$180.00}. About two days I ago received a letter that claim was denied. I called the fraud department and asked if cameras were used when investigation was conducted, manager said that he was not the one that conducted the investigation and could not say for certain whether the camera was reviewed. He did advise that I can submit a rebuttal form ; which I did. That process takes 60 days to process. I also requested the documents as to how determination was made.
National Collegiate and trust has been on my Credit report for years now, and I have disputed them several times. They sent me and my mom letters in the mail stating we must pay right away. We sent letters for each one asking to prove this debt, and show us promissary notes. They have not shown/ mailed/ emailed/ called about this. They are still reporting on my credit. Now it 's saying the company is XXXX XXXX XXXX. It says the open date is on XXXX 2010 I do not remember ever taking this loan out.