WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, i was looking through my credit report again couple of hours ago, and notice items that i been going back and forth with the 3 credit bureaus since XX/XX/2017 and they yet to get them resolved. I've called, mailed several letters and asked for update and they haven't updated those items. There are several accounts listed with multiple inaccuracies and it's a total violations to the state and federal laws. 

XXXX XXXX  Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX  Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report.
I will now post evidence that the history of payments by Select Portfolio Servicing , Inc . is in error ; and therefore proves the importance of the corrections necessary, to be made to my account : First, Select Portfolio Servicing , Inc. sent, to my address, a history of the payments they said I made to their company but have left out important payments. I will attach the Select Portfolio Servicing , Inc. history sent. I have recently acquired from XXXX XXXX, a legally documented payment history. This document was sent to me after requesting a history of all payments sent to Select Portfolio Servicing , Inc. through " XXXX XXXX '' payment processing. You can clearly see that not all of the payments made through XXXX XXXX to Select Portfolio Servicing, Inc.are documented on Select Portfolio Servicing , Inc. 's history : Note- I will also respond with the payments through XXXX XXXX  when that history becomes available as a precaution ; as I began all payments through XXXX XXXX .

Second, I am still confused as to why the latest letter from Select Portfolio Servicing , Inc. states that I owe for " XX/XX/2018 '' on a letter dated XX/XX/2018 but my billing statements read that I owe almost {$4000.00}. And as the XXXX XXXX payment history proves, I Never Missed A Payment to Select Portfolio Servicing , Inc .
Wells Fargo bank discriminantly assesses fees and fails to adequately notify consumers of changes in their fee structures. My savings and checking accounts are being charged fees if I do not set up AUTOMATIC transfers, even if I make sufficient deposits to these accounts for the sums allowed for monthly fee protection. Banks should be required to recognize savings deposits whether made automatically or directly during a statement cycle and should provide more notice to consumer of upcoming changes in account terms beyond a checklist always included in monthly statements.
I have no knowledge of this claim. I believe this is an inaccurate filing against me.
On XX/XX/XXXX I rescinded a loan " modification '' that was done by XXXX XXXX that was really a cashout refinance, because XXXX paid off my former first mortgage that was with XXXX XXXX without my knowledge or consent, and included these funds in the modification without disclosing it in any way. The loan has since been transferred to Select Portfolio Services, and I have filed numerous complaints against SPS, as well as a complaint against XXXX, which has not been answered yet. The modification was done in XX/XX/XXXX, which is well within the 3 year recision time allowed since there was no documentation of the additional funds ( no XXXX Statement or anything ) and no right of rescision given to me since it was a cashout refinance and not a straight modification, and I sent notice of rescision on XX/XX/XXXX. 
SPS refused to rescind the loan claiming there was no record of XXXX being paid off. 
I have ordered a copy of the wire transfer from XXXX to XXXX, which I will forward to the CFPB as soon as I receive it, as well as the payoff letter with XXXX 's fax number on it. The payoff request was done by phone on XXXX 's automated system, or I would also get a copy of the payoff request. 
SPS has done no research into the payoff to XXXX, which they should have full access to as the servicer of the loan, but has only kept claiming that there were no funds to XXXX.
In XXXX of XXXX I was in the hospital, and for some reason the Physician bill did not go through my insurance. The bill was sent to collections, and the collections agency called me in XXXX of XXXX. I contacted the physician office, updated my insurance info, and they successfully processed the payment, and I was told I owe {$0.00} and that they would take the charge back from the collections agency and clear the charges. I was under the impression that I was in the clear. 

Fifteen months later ( XXXX XXXX, XXXX ), the National Service Bureau contacted me to inform me that 1 ) The charges still stand, and 2 ) I have had an outstanding charge in collections accruing interest for over a year with no notice. I went to the trouble of requesting a final bill/receipt from the physician 's office as well as an Explanation of Benefits from my Insurance company, both of which show a zero balance. 

I faxed these documents to the NSB, and then told me to give ten business days for processing. I followed up by calling the NSB on XXXX XXXX, XXXX. They informed me that they talked to " the Client '' ( who they would not specify, but who I assume is the Physician 's office ) and that the charges remain, which is in direct contradiction to my clear proof of zero balance. 

At this point, the charges still remain, the debt collectors have made very lazy attempts to contact me, and my credit score is suffering significantly because of a debt that I do not even owe. I believe their delay in resolving the issue despite clear evidence is intentional, and I have no choice but to file a complaint.
I have tried -- unsuccessfully -- to have inaccurate information removed from my Equifax CR. In XX/XX/XXXX, I filed for Chapter XXXX Bankruptcy. In XX/XX/XXXX, all debts were discharged. I did not reaffirm my mortgage with XXXX. I started checking my credit reports after ten ( 10 ) years to make sure there was no mention of a bankruptcy or accounts related to the bankruptcy. XXXX and XXXX no longer show a real estate account. However, Equifax shows an open and active account with a balance. I started disputing the errant information with Equifax and XXXX two ( 2 ) years ago, but to no avail. I have communicated via telephone, fax, and online. Equifax will remove the inaccurate information only to reinsert it a month later. The last time I disputed the inaccurate information ( XX/XX/XXXX ), it was removed. I just checked my credit report today and the account has been reinserted by Equifax as open and active. Also, XXXX recently sold/transferred the mortgage to XXXX. I have been unable to secure a new mortgage because it appears as though I am still under obligation to pay the prior one with  XXXX. It is obvious that Equifax, XXXX, and XXXX are violating the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. ( the FCRA ).
I hold a CD account at KeyBank NA - Key Direct. The account is held in a Revocable Family Trust and I and my wife are the Trustees. Upon its expiry in XXXX XXXX and during the 10 grace period, I contacted the Bank to terminate the CD and return my funds. They asked for another of the Trust, ( which was originally provided when I first opened the account and was subsequently provided at their request a number of years ago. ) I sent them the XXXX copy of the Trust and a Letter of Direction on or around XXXX XXXX, XXXX. I heard nothing from the Bank. After a number of weeks I contacted the bank and inquired about the matter. They told me that the Letter of Direction needed to be notarized - which was not part of their original instructions. A notarized Letter of Direction was prepared, signed and notarized in my attorney 's offices. The letter was sent to the Bank on XXXX XXXX, XXXX and subsequently on XXXX XXXX, XXXX. At no time did I ever hear back from the Bank. Today, XXXX XXXX, XXXX I called the Bank to again to inquire. I was told the date on top of the letter ( when I wrote it ) of XXXX XXXX, XXXX did not match the date of the notary signature which was the next morning XXXX, XXXX when we signed the letter. Additionally, they seems to have a problem with the Notary 's stamp which clearly states she a Notary of the State of Illinois and her commission expires in XXXX XXXX. For 6 months the bank has refused to close the account and send me back our money. They make up a differing rule or requirement every time I seek to satisfy their requirements and never have the contact me with an update or request it has always been up to me to reach out to them and figure this stuff out. Frankly, I now consider that this issue has gone beyond poor customer service and is a matter of actively obstructing me from my money and quickly approaching a criminal act of theft.
My mother XXXX to call the police on XXXX XXXX at XXXX in XXXX, TN. There was a man outside her window with a flashlight walking up and down the house shinning a flashlight in every window. He was knocking on the door. When the police arrived they found a yellow card addressed to me with a number to call. I do not live with my mother and have never lived at this address. The man showed up again and asked my mother if I lived there and she has told him I do not live there. I have have contacted the name on the card asking to meet to get documents and the man hung up on me. I have attached a copy of card and believe he is a processor for Buffaloe Associates in XXXX. I have no idea why this person is trying to contact me and my mother is getting repeated calls after telling them I do not live there.
I made a payment using my Citicard rewards on XX/XX/XXXX. The bill was due on XX/XX/XXXX. They applied the rewards to the account. After getting late calls I contacted Citicard. They told me the rewards transfer does n't count as a payment. I do n't recall seeing any notice that the rewards transfer does n't count as a payment. 
I have been unemployed without benefits for 6 months. What little I had in retirement savings is gone. I 'm living on XXXX meal a day. Please help.
Through Equitable Acceptance Cooperation I understood that the payments that I was making to them would be included in public loan forgiveness program, before I began making my payments to the student loan services but they were not. I did n't realize my APR would be 17.99 percent and it would take me 3. Years to pay off {$1200.00}. At XXXX a month on top of my student loans. I trusted the contact person rather than reading pages of online fine print, as I had just graduated from college with a large loan and no job yet. I feel they took advantage of me at a vulnerable time.
I can not link my bank account to the XXXX website to transfer money out of the account.
Last year my Wells Fargo XXXX trust deed interest only loan term ended. The loan would need to be repaid with full principal and interest payments for the remaining 20 years. 
I called several times and inquired about options and to inquire as to my new payment. I spoke with different people every time and was given several different answers, I stopped calling. 
The loan payment changed and I have continued to successfully make the payment for most of last year. 
I was called recently by Wells as asked if I received a letter from Wells and about another change in loan term. I have not received any letter and I continue to receive my loan payment monthly. I was told my monthly payment was going to increase again. 
It is unfair and just plain wrong the lender can continue to change the terms of my loan as they please. Without regard, I fear the lender will be contacting me in the future again with another increase in payment.
On XXXX XXXX, XXXX, a 33 month business lease in the amount of {$10000.00} was opened by a Texas corporation that has the same name as my company which is a Florida corporation. The lease agreement contains my electronic signature as a co-signor which I never authorized. When I found this lease on my business credit report I contacted the company in XXXX, XXXX and submitted a notarized Affidavit with the company dated XXXX XXXX, XXXX, which verified that this lease was never opened or authorized by my company. On XXXX XXXX, XXXX, the company sent me a letter stating that their investigation deemed my claim to be valid and they would send Universal Data Forms to XXXX and Equifax to request the tradeline be deleted in its entirety from my credit report. Equifax never removed the item. on XXXX XXXX, XXXX, I once again contacted the company and they once again sent the request to Equifax to remove the tradeline. I submitted a Commercial Research Request Form to Equifax on XXXX XXXX, XXXX, stating this was never my account and to please remove it from my report. The lease company was contacted numerous more times and I spoke to their Legal Resolutions Coordinator who stated they would once again send the Universal Data Forms to Equifax. No results from Equifax. I contacted the Legal Resolutions Coordinator Supervisor on XXXX XXXX, XXXX, who telephoned Equifax and spoke to someone in addition to filing a dispute with Equifax stating this was not my account. I received an email on XXXX XXXX, XXXX, from Equifax stating the dispute was being investigated and I would receive the results via email by XXXX XXXX, XXXX. Since I did not receive an email from Equifax as to the results of the dispute I checked the status of the dispute today, XXXX XXXX, XXXX. Equifax states the result of their investigation confirms that this account belongs to me and to contact the lease company for any questions. I once again called the Supervisor of the Legal Resolution department who stated unequivocally that they submitted the information to Equifax that this account does not belong to me and should be removed from my credit report. The lease company does not know what else they can do to get Equifax to remove this item. I am also at a complete loss as to how to get Equifax to remove this item and how they can continue to claim this account belongs to me when they have received numerous information from the lease company that it does not belong to me. Please help.
BMO Harris Bank pulled my credit report without my authorization and caused me to have a credit inquiry on my XXXX XXXX credit report. The credit inquiry is fraudulent and unauthorized. I never applied for an auto loan with BMO Harris Bank.
I have an alleged debt with the company Machol and Johannes. They are a law firm that holds my alleged debt that i previously allegedly had with a credit card company. I fell on hard times and was medically unfit to work so I couldn't pay the debt, in the event that it is mine since they have failed to provide any kind of verification for it. Now, I have a job, and I want to pay any verified debts i may owe. However, after phone calls from them, and my information displayed on their website saying I owe them $ , I sent them a debt validation letter through certified mail with a return receipt. I sent this letter on the XX/XX/XXXX, and they received the letter on the XX/XX/XXXX. I have not received a response as of yet. I was under the impression that they were required by the law ( fair debt collection practices act ) To respond within 30 days. It has been well over that. I can provide any other info you guys need. I don't have all the phone calls, but there were a decent amount. I just want them to validate their debt, but I do not find it fair that my debt is continuing to increase when they will not respond to requests to validate the debt so I know I actually owe it to them. I am in a state of being unable to pay them due to their inability or failure to verify it, meanwhile I am making them interest money. More precise details are below in the attachments i provided. Here is the name and address of their business. 

Machol & Johannes LLC XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX
My name is XXXX XXXX and I am the cosigner on XXXX loans for my wife, XXXX XXXX XXXX maiden name XXXX XXXX. On our first loan in the past we attached XXXX notes to XXXX consecutive bills that were sent into Sallie Mae for the purpose of instructions on how to apply payment to our loan. We had paid over the minimum amount and the excess had not been applied to principle. The purpose of the notes was to instruct Sallie Mae to apply the extra to principle so that the loan could be paid down quicker. This was attempted because I had called into Sallie Mae to find out how to apply excess to principle and was instructed to attach a note. XXXX notes seemed to be ignored and after calling in and being told just to attach another note we gave up. Now that my wife is going back to school we applied for another loan in late XXXX. My wife made her normal payment over the minimum for XXXX and we did not receive a bill for XXXX. Because she had paid over the minimum Sallie Mae had taken the excess and applied it for the next payment. This is not how we wanted the payment to be applied. I called into Sallie Mae to find out the current status of the loan on XXXX XXXX, 2015 at XXXX. After talking with someone on the phone I was told that excess funds are kept in an account so that if a payment is missed or under the minimum this account will make up the difference. I also asked why payments are n't applied to principle and the above was explained to me and I asked if they did this so that loans are more likely to be held to the full duration, the response I received was " yes ''. From my understanding it is illegal for Sallie Mae to apply a payment contradictory to the way indicated in the note attached to the payment. I would like to know why our instruction have been ignored and why payments are not applied to the principle. Unfortunately I do not know the dates for which the noted were sent in or calls were first made for this problem.
TD Credit/  XXXX   XXXX    cancelled my credit without a call or anything. Then I paid what I owed them to attempt reinstatement and they declined to tell me why it was declined. These people need to be shut down these people destroyed my credit
I have had numerous unauthorized withdrawals from my checking and savings accounts with Suntrust Bank, XXXX was an illegitimate Pay Pal account that was withdrawing directly from my savings and checking accounts. When I approached the bank to have these rescinded the person assisting me assisting me asked if I had a pay pal account, to which I answered yes one that is tied to my debit card not my bank accounts. He intimated that I was at fault and that he would not help me, that I should contact pay pal and have them do something. I contacted pay pal, sure enough the person stealing my money did not have a legitimate pay pal account. I was instructed to contact the police to have this matter looked into and that I would have my money refunded. No refund, no help from the bank. A few days later the same thing happened to XXXX of the XXXX new accounts that I had opened, to prevent any further withdrawals from taking place, no help from the bank. This is XXXX issue I have with this bank, the other was a recurring charge that took place monthly but the bank would not help me locate who the money was sent to so that I could have it stopped. I contacted the XXXX number and was told that all moneys were going to be refunded upon their receipt of a signed affidavit sent to me by e-mail, I never received the e-mail, called again was promised the same thing, no e-mail, called again and was told I would receive XXXX in the mail, you guessed it no affidavit. I have since closed that account to prevent this from happening any further but in so doing my claim for the refund has been rescinded. An additional problem is concerning a separate account that was being charged a monthly fee when it should have been no charge as there was a direct deposit being made to that account as per the bank 's requirements. I do n't trust this bank nor do I think they are very interested in customer service.
I did not open a XXXX XXXX. I have disputed with all XXXX bureaus at least 12 times. 
I have requested validation of all aspects of the account, to include original application and signature, dispute letters, authorized users, statements, payment history, charge off statement, they can not validate. I sent certified letter and they have 30 days to complete and have not been able to validate. Account states on credit report I can not be located. Account states was sold to XXXX -- XXXX sent me a letter stating they were closing the account and removing from credit report due to no information.. Should delete and block the account permanently.
Rushcard issued me A duplicate card of the Card that recently expired XXXX XXXX I am unable to check my balance and enroll in text alerts I have been having this issue since late XXXX yes I received the letter with deposits I was able to receive before the complications of my account they sent no record of the issues that I have been having with Rushcard via metabank I have I have I have XXXX or more reference accounts where I contacted Rushcard via emailAcknowledge : no subject ( Ticket # XXXX ) Acknowledge : no subject ( Ticket # XXXX ) XXXXAcknowledge : no subject ( Ticket # XXXX ) These are the tracking numbers I received for the same issue not multiple but the same issue please respond immediately feeling really inconvenienced I 've been a customer with Rushcard since 2008
I obtained a loan from Santander in XX/XX/XXXX. In XXXX of XXXX I became unable to work due to Medical issues. Santander has known about this for nearly a year, and My spouse who is also on the loan is the only one currently employed ; and has been at her employer for 3 yrs. We began to struggle with our monthly payments of {$540.00} on the loan. I have contacted Santander numerous times trying to find a way to get this current and even asked about a refinance ; Santander said they do not refinance their own loans. It is destroying my credit and causing more and more fees to be added to my loan amount. I contacted Santander again on XX/XX/XXXX and asked about a deferment or any type of help to try and bring the account current. I was informed they would NOT assist in any way, and that I must bring my account current and keep it current. This loan is a predatory loan and Santander needs to stop preying on those who are less than fortunate. I explained to Santander that I am currently looking for new employment ; but regardless, there is still an employed person who is listed on the loan ; in fact, my Spouse is listed as the Primary on the loan. We are being forced to continue to go deeper and deeper in debt with this company, and they are unwilling to offer any help ; in hopes to repossess the vehicle and keep us hanging for the balance. This loan is for a XXXX XXXX XXXX XXXX. Santander even sent a letter saying to call them and they may be able to help get the account current ; However, they are only concerned about us bringing the account current by FULL PAYMENT of the  past due amount, not by any assistance they are willing to offer.