WillisBack/dataset-financial-user-claim huggingface dataset:
Someone tried to apply for a credit card using my information. When I checked XXXX XXXX, I noticed it and filed with Equifax. 
I explained to them over 12 times that I never signed up for a credit card using some credit card services website, after 10 investigations, they still wont correct the information. 

They said they would investigate. That was over 180 days ago. Its still on there, they claim I applied for that credit card. 

I called their XXXX and talked to some guy and told him what the problem was and that I would like the incorrect information removed. And he said start and investigation. 

In the mean time, Equifax had what they called a glitch in their system which affected several hundred thousand peoples credit files. 
Prior to this glitch, my credit score was an XXXX. Now, since the glitch and their false investigations, my credit score dropped down to a XXXX. 

Their glitch removed most of my credit file. They are using outdated information to tell me the information is correct, when it isnt. 
Both Experian and Transunion have the correct information and are correctly reporting it. 

Both XXXX Visa card and XXXX have been reporting to Equifax for over two years that I have two open and good standing accounts XXXX which they were correctly reporting prior to the glitch ). Both XXXX and XXXX continue to send updates and positive feedback to Equifax letting them know I have two good accounts and that they should be reported on my credit report. 

Equifax says that both XXXX and XXXX are not reporting. Which is a huge false inaccurate statement. Every two weeks, both XXXX and XXXX are sending information to Equifax and Equifax says that they are not getting any information. Both XXXX and XXXX have sent letters, updates, phone calls to Equifax explaining that they are in error and that the correct information is in fact being reported. 

I have done no less than 10 investigations on this problem, and at every turn, Equifax is using wrong information, denies being sent correct information, and says their investigation does not show anything from XXXX or XXXX. 

I have tried for over 3 months to get this matter resolved. I have talked to supervisors and their supervisors. I have explained it in detail. Detail after detail. Each time I get them telling me that they will look into it and correct the wrong information and add the correct information. 
Each time, they do not do what they said they are going to do. They keep using outdated and false information, will not remove outdated and incorrect information, including where someone used my credit to apply for a credit card off some website. 

I have tried to I cant try any longer to get anywhere with Equifax. Each time they will not correct anything on my credit file. They dropped my credit score by over 100 points for false inaccurate information. Again, both XXXX  and XXXX have the correct information and reporting the correct information, and my credit score with them is over XXXX. I need help getting this matter resolved before they start doing more damage to my credit file and my prevent me from getting credit and loans.
Fifth Third Bank closed my Essential checking account on XX/XX/XXXX with available balance. Upon closure, funds in the amounts of {$370.00} & {$20.00} were never refunded back to me ( funds were refunded to a " closed '' checking account at XXXX. On XX/XX/XXXX, XXXX banking representative confirmed no funds were ever received and the account is still in " closed '' status at XXXX ). 

When inquired about not refunded funds in a local branch ( XXXX XXXX XXXX, XXXX, Ohio ), Personal Banker ( XXXX XXXX. ) advised they are not able to help me in branch and referred to call Fifth Third via phone at XXXX. 

After several phone calls, Customer Service Representatives where not able to assist me and currently, no funds have been refunded. 

Additionally, a promotional bonus of {$250.00} was attached to the Essential Checking. No bonus in any amount was received.
I have a FFELP Consolidation loan that was originally serviced by XXXX ( I think- it could have had another servicer before that but neither Navient nor ACS will give me a complete accounting or chain of ownership of the loan ) and is now serviced by ACS Education . I have been current for many years, paying as much as I possibly can, and the principle balance has not even budged! At one point I went into forbearance when I lost my job in 2009 and then when I got a new job making much less money, I offered to pay them half of the monthly payment and they said NO, it 's all or nothing. Flash forward a year or so and I began again making the monthly payments. My loan balance BALLOONED from the time XXXX sold it to ACS. I believe there may have been a prepayment penalty that I am now funding because ACS wanted to buy the portfolio. They also arbitrarily apply my payments to principal and interest- the last time they applied any amount to principal was 4 months ago and there is no rhyme or reason why. I never received a repayment schedule from them which is in derogation of Part 682 of the CFR. They REFUSE to give me an accurate and complete accounting of the entire loan from start to finish or a copy of the Promissory Note and assignment documents despite my repeated attempts to collect the same from them. I stopped calling them a while ago because the answer is always no. I am now XXXX years old and ca n't qualify for a home mortgage because of this debt. They also wo n't remove the delinquencies from my credit report despite the fact that they are false. I pay lexington law to send them letters and they never respond. At this rate I will be paying this debt forever until I die and the principal balance will still be what it is today. This is unfair. Just like a mortgage lender they should have the obligation under the law to produce all of the records to show me why I owe DOUBLE the amount of my original loan!!!!!!
I sent Ability Recovery services a debt validation letters regarding 3 accounts they are reporting on my credit, They could not verify the debts. They only sent a copy of a bill, So I sent a second letter, Which states a copy of a bil is not sufficient to validate & report a debt, I did this for all 3 accounts the copy of the bills has no Signature or anything to prove & validate this debt, but they continue to report the 3 items on my credit reports, 1st letter i sent out was on XXXX-17
Bank of America, closed my checking accounts stating that they all had negative balances. 
When I called to let them know that what they thought was not true, and there was enough money to cover all the overdrawn fees, they realized they messed up, BIG TIME. 
Even though, I had been their customer for the last 14 years, they went ahead and closed the accounts. Never really provided any assistance. It is true, I have been an in bad financial situation for a whole year. However, I am back on my feet now ; doing great. I have realized, they never cared about it. They just do this type of practice. When I called regarding this issue, the guy on the other side had some kind of an all powerful tone/attitude. Once I proved to them the stupidity they had done, this person seemed to be talking to me from under his desk. He could not find an excuse for what this institution had done. I apologized to him because I was getting off on him ; it was not his fault that this happened ( Still, I did not like his " I am always right attitude '' ). I demanded to have what was left of my money available now, so that I could go get it at the local branch. They said it was not possible until all transactions clear, that I had to wait until next week. I asked for a manager. The manager was very polite and sounded very humble. I have agreed to wait until next week to get the balance of my money. 
Therefore, the type of customer service was poor. They had no answer, when they realized that there was enough money in the account to cover for all negative balances. 
They went ahead and canceled regardless of what was in the account. When they realized what they did, they had no answer. Even after paying off these negative balance accounts, I will have to wait to see the rest of my money until next week. Holding me back on other payments I have to make.
I have enrolled in a debt relief program and the collection agency will not stop calling after given the number for the relief agency. My phone receives calls from XXXX-XXXX different numbers, over 5 times per day. I have supplied the collectors with the proper phone number to contact the relief agents but I am still receiving calls.
Check sent then company send check back stating account was overpaid but account remained in collections for no known cause.
According to XXXX XXXX, XXXX accounts have been put into collections. 
These accounts were opened as a result of an emergency hospital visit by my son. 
We happen to have the same name except he is " the XXXX '' and I am XXXX Our birth years are XXXX years apart, His address is the same as mine because he lives in our house. 
He is an adult and responsible for his own debts. 
The credit reporting company did not thoroughly investigate the debtor 's information
This is the XXXX submission of this complaint. Wells Fargo 's agent called the wrong number to reach me. I CALLED THEM BACK WITH THE CORRECT NUMBER BUT THEY MADE NO ATTEMPT TO CONTACT ME, THEN CLOSED THE CASE CLAIMING THEY COULD NOT REACH ME. 

Wells Fargo refuses to modify the XXXX mortgage on my home that was originated as part of the XXXX mortgage package. I was fraudulently forced to take the XXXX mortgages by Wells Fargo 's subsidiary Prosperity Mortgage and was instructed to only put down a 5 % down payment by them. I only did this on the promise that the XXXX loans would be consolidated into XXXX after one year. They refused all efforts to refinance until last year and now will not do anything to make up for this and are ruining my credit through stalling and refusing to refinance the XXXX mortgage. 
Wells Fargo ignored my request for lower payments for two months, then " researched '' the case for four months, while turning down another modification due to the way it calculated my income. The latest communication from them claims that I was forced into the XXXX mortgages because I had an insufficient down payment and this XXXX mortgage provided the 20 % down payment needed. In fact, on the guidance of a Wells Fargo 's agent Prosperity Mortgage, I put 5 % down even though I had close to 10 % in the bank. At the time a 3 % down payment was considered sufficient and they now finance regular mortgages with 5 % down, so their claim that I had insufficient down payment was false. 
At present, a XXXX modification request has been submitted and referred for processing. I can only afford to pay every other month and am missing more and more payments as they stall and play games like this. 
The house is eligible for HARP and the XXXX mortgage was refinanced under Harp. This XXXX mortgage is not eligible because Wells Fargo owns it. I am XXXX of XXXX of homeowners who are victims of this mortgage scam. The federal government needs to require that all XXXX mortgages originated with the XXXX mortgage are automatically eligible for Harp II refinance regardless of who owns it. Victims of this scam also need to be compensated for the XXXX in interest we have paid due to refusal to refinance these loans. Something needs to be done to help us.
Bank of America has been fraudulently charging us for a late payments on our HELOC In XXXX XXXX (? not sure of date ) our HELOC converted to a fixed payment amount to pay the principal & interest from an interest only loan - XXXX never listed that we had " missed a Payment until XX/XX/XXXX '' When they listed this late payment that dated back to the original conversion date, they began charging us a late fee with no notification to us that the payment had ever been missed or that we would now have to pay a late fee. I wrote to your department to complain about this. I was working with a woman named XXXX - XXXX never returns phone calls or follows through - She never leaves clear messages so it 's VERY DIFFICULT to hear what number to call her back on when she does call ( after I make 20 calls in a single day trying to get her to call me back ). 

I offered on 4 different times on back & forth phone calls to make the missing payment & have the bank backdate the payment to the original date when we supposedly " missed '' a payment - but XXXX would say she 'd ask and get back to me and then disappeared and never called me back after multiple calls to her office. ( BofA never sent a single notice showing this " missing payment '' until XX/XX/XXXX when it mysteriously showed up on a random bill one day. ) BofA is charging us monthly late fees. I have offered to make the payment & have them backdate it but because they had already sent out XXXX interest statements for XX/XX/XXXX no-one at Bank of America wanted to bother to help us. They keep charging fraudulent fees. because they say that we are paying 1 mo. behind even though we pay our HELOC early each month & make additional principal payments - apparently they 've been using these funds to cover hidden fess and not notifying us this entire time??!! - We have an account manager and this issue was : 1 ) not stated or shown on our monthly statements 2 ) never mentioned by our account manager This is absolutely unacceptable. We want to make an additional payment for this mysterious " past due '' amount and have it backdated to XXXX XXXX when it originally due & have all associated fees & interest reversed. 

This is the second time I 'm writing about this issue because BofA simply will not respond to our request & XXXX wo n't call me back.
Despite an account being closed for over a decade, XXXX XXXX XXXX XXXX is reporting a current delinquency for the month of XX/XX/XXXX on my credit report at the XXXX, Experian and XXXX  consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over XXXX years old and must be removed from my credit report.
XXXX  has failed to provide me with requested documentation verifying the accounts i disputed does indeed belong to me. It's gone way past the 30 day mark and still no changes to my account. They first recieved my letter on XX/XX/2018 and and respnded on XX/XX/2018. My second letter was received on XX/XX/2018. Both sent via certified mail. I just checked my report again on XX/XX/2018 and there's been no updates. I am aware of my rights under the FCRA stating for prompt deletion if and whenever information can not be PROPERLY verified and I now need assistance in resolving this manner sooner than later. Thank you.
My loan was listed in the Federal law suit filed by the, Department Of Justice against the banks. The banks agreed to settle the law suit that was initiated. 
As per the XXXX XXXX 2016 settlement {$8.00} to {$16.00} XXXX dollars went to investors and home owners for mortgage fraud. I am filing a claim for payment of {$9.00} XXXX Dollars ( XXXX ) that is rightfully my fairs hare of the {$16.00} XXXX Dollar Settlement awarded on XXXX XXXX, 2016. My loan was included in the Mortgage Bond Settlement with Bank Of America and XXXX for property XXXX, NY XXXX. 
The loan was not a viable loan, the loan violated XXXX, RESPA, REGULATION Z, TILA, FAIR HOUSING based on AGE DISCRIMINATION. I was taken advantage of. The loan was a predatory loan. Also, the bank never provided me with the Good Faith Estimate prior to issuing the loan. Both Title company and the Bank refused to give me copies of any of the documents they presented to me for me to sign. I did not receive any documents prior to closing, during closing or after the closing. 
Please advise and forward all the proper documents needed to file a formal complaint and request for my fair share of the {$1600.00} XXXX Dollar Settlement.
The aforementioned credit collection agency representing XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If MIDWEST RECOVERY SYSTEMS does not have any documentation, they need to retract this from my credit file immediately.
i check my credit report and it has a liens but the liens are not mine its from someone else i already fix the problem with the other bureau ( experian, equifax ) and they investigation shows that it not belong to me. they take it off of my report. 
so i dont know why transunion keep this liens in his report. 

this is a case of identity theft and i already shows all the documents to prove it to the others bureus sending the police reports, trade comissions report affodavid and a lot of documents they ask. 
so i need to take this off of my report becuse its not mine, and is damage my credit score and job opportunities. 
i already fix the problem with the irs and i have the documents to prove it.
I have been contacted by this company, they never say the name of it, just that I need to call a " XXXX XXXX '' back ( the number they provided is XXXX ) in regards to " a complaint that has been filed '' against me. They have been calling my family members, who have all asked them to stop calling yet they continue to call. In one instance they called my sister and, after being asked not to contact her again, they responded with profanity along the lines of 'no wonder this person is in this situation with a family like you '. They have also in the past used scare tactics, saying they will start garnishing my wages if I didn't offer to pay in full by the end of the week ( this caused me to have a minor XXXX XXXX that I went to XXXX XXXX   for ) ; I have since stopped answering any number I don't recognize for fear of being threatened again. They have never once stated the origin of the debt they are attempting to collect. 

Upon XXXX the number they provided, " XXXX, XXXX XXXX  XXXX '' comes up. I have been unable to confirm if this is the company or not.
On XX/XX/XXXX, I was involved in a car accident ( No fault of mine ), and was taken by ambulance to XXXX Hospital. XXXX years later, I 'm receiving phone calls, letters for collection. I went to court, won the case, and all hospital bills, were paid, by my attorney, and my government health plan. The records have been archived, and I told the collection agency about the records, being archived, and they are asking for payment, when they 've been paid. The debt, was removed from my credit report, and was put back on XX/XX/XXXX. My credit scores, were in good standing, now they have dropped toa score I want removed and restore the previous scores. This company has violated the Fair Credit Collection Act, and I am thinking about suing this company for the aggravation and score reduction. Please have this removed, and I will pursue, taking action. Respectfully!!
Received multiple missed phone calls from Debt Collector, they did not leave voicemails. 

I called the phone number back today to find out who has been calling me. I was told that they were a debt collector looking to collect a debt. They gave me the information that asked for, their phone number and address : XXXX XXXX, PA XXXX. 

I told them that I had not received a letter in the mail informing me that they are collecting a debt, which I have not received, and that they should not call me until I receive that letter. I also confirmed my phone number with them and told them that they can only contact me at that phone number, no others. 

I expect the letter within five days of this, our initial communication, as I have not been fully informed about the debt. I did request some information and was provided with the following : amount owed, date account open and date account went delinquent, last payment amount, original creditor and type of account. I understand that there is more information due to me regarding my actions and rights that were not obtained in this phone call. 

I also asked for the name of the debt collector and was told it was XXXX XXXX, but when I searched the number ( XXXX ) XXXX online, I found the following information : FBCS Consumer Contact Solutions Headquarters XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX https : //www.fbcs-inc.com/contact/ This may have been an understandable communication error or they may be calling on behalf of the debt collector XXXX XXXX, but I am not entirely clear. 

Here is the information regarding the missed calls and no voicemails from the debt collector : Call from XXXX on XXXX XXXX, 2016 at XXXX. 

Call from XXXX on XXXX XXXX, 2016 at XXXX and XXXX. 

Call from XXXX on XXXX XXXX, 2016 at XXXX and XXXX. 

As of now, my complaint is regarding the phone calls. 

Thank you.
XXXX and TransUnion both report an " XXXX  XXXX XXXX Score '' ( Code 08 ) that is IMPOSSIBLE TO KNOW IN ADVANCE, and there is NO WAY to " improve it '', when there are ZERO ADVERSE ITEMS in both the " XXXX  '' AND the " TransUnion '' report! 

This score appears to be COMPLETELY DIFFERENT from TransUnion 's " overall '' credit score that gets given to this consumer via his bank on a WEEKLY BASIS!
The credit reporting bureaus are reporting a state tax lien that should have been deleted. They are still reporting a state tax lien on my credit report after several request for them to delete this information.
On XX/XX/XXXX, I ordered a bracelet from XXXX for a total of {$79.00}. On or around XX/XX/XXXX, I returned the jewelry to Reeds because my wife did not like the bracelet. I was issued a credit on XX/XX/XXXX for the total amount of {$79.00}. When I looked at my statement I realized I had XXXX charges for {$79.00} on XX/XX/XXXX. I contacted XXXX first and they stated they had it only once in their system. I contacted XXXX and they had me submit a dispute for the double bill. I am going on 2 months and my XXXX dispute because whoever is handling the dispute sees the credit from the jewelry being returned and assumes it 's a credit for the correction of the double billing. I contacted them today again and the supervisor XXXX was very rude and wanted me to call back with the jewelry store on the other line to talk to them in a XXXX way call. I believe this is not my job to do.
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. Being that they have gone past the 30 day make and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Chase bank is assessing interest to credit cards based on a different formula than what is written on their disclosure. Even though I paid off my full balance on my credit card, Chase still assessed {$50.00} in interest to my account. 

Chase bank credit card disclosure from their statement says the following- " To figure your periodic interest charges for each billing cycle when a monthly periodic rate ( s ) applies, we use the average daily balance method ( including new transactions ) ''. The statement then says- " Subject to any interest-free period for new purchases, we will begin charging interest from the date a transaction ( including any balance transfer, cash advance or overdraft advance ), fee or interest charge is added to your daily balance until YOUR ACCOUNT IS PAID IN FULL. " My objection is the following : Chase says they use average daily balance in order to determine balance subject to interest. They then say interest is added until you account is paid in full. By using an average, once an account is paid in full, that means interest is no longer assessed. The average of any number with XXXX is XXXX.