WillisBack/dataset-financial-user-claim huggingface dataset:
False credit pulls on my credit report. 

1. Capital One XXXX XXXX, XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX
Complaint about  American Express  :  1.  Have formerly been a  XXXX   XXXX   XXXX   XXXX  with {$20000.00} credit limit for 15 years.   2. Applied for a  XXXX   XXXX   XXXX  gold card with an offer of  XXXX  fee miles.   3. Airport agent applied for card using my first and middle name rather than my first and last name.   4. Card arrived with wrong name.   5. I immediately called " Customer Care '' at Amex. Took  35  minutes trying to do name change over related to the new card over the phone and was not successful. Amex sent me an email link to submit drivers license on line. After successful submission on-line, I never received confirmation.   6. After a week elapsed I recalled customer service number on the back of the card. No record of submission of name change was found by another on-line representative. I continue to receive mail from  Amex  for the unusable credit card. In another  35  minute call  AmerEx  now claims the on-line name change does process does not actually work and that they will send name change by mail. No electronic confirmation of this mailing was received as promised.   7. Amex would not allow me to speak to a supervisor. There is no on-line information about how to file a complaint. I feel completely adrift, but have stayed with the name change process only to see how abysmal  Amex  has become as a company. Time for new corporate management.
I have been a XXXX for the past 10 years in XXXX XXXX XXXX in our community. In order to obtain my XXXX degrees, I had to take out student loans myself. During my first few years of XXXX, I was informed about the XXXX loan forgiveness program that is offered through the Department of Education. XXXX XXXX in XXXX XXXX XXXX could earn up to a XXXX forgiveness after XXXX for 5 years. After XXXX XXXX for 4 years, I moved to XXXX XXXX XXXX XXXX. I have now been XXXX XXXX XXXX XXXX for the past 6 years, qualifying me for the full XXXX. My wife and I have been working hard to submit the forms required to receive this forgiveness. Our forms have been denied 5 times in the past year and we are starting to fill helpless. We have followed all the directions and the past three times have had a representative assist us during our form completion to assure accuracy. It seems like new errors are found each time and it takes them over two months to tell us about them. Then we have to resubmit everything all over again. It has been suggested each time that we take forberence because taking XXXX off of our total could substantially reduce our payment, which is over 450 dollars a month, because we do not qualify for any other repayment options. We have learned that during this time our account has increased substantially because of the interest. We are ready to free ourselves and buckle down and pay off our existing loans. Today we submitted another XXXX Loan Forgiveness form and hope that with your help, we can get the forgiveness that I qualify for and pay off the rest of my loans affordably and quickly.
I have disputed fraudulent personal information with Equifax XXXX different times. I have a fraud alert on all my credit files. There are XXXX addresses where the fraud was perpetrated. I have filed an affidavit with FTC. XXXX deleted the fraudulent addresses immediately after my dispute and never re-entered them. Equifax keeps sending me notices that the disputed addresses have been deleted, but the updated credit report they attach still includes the fraudulent addresses on them. Not just that, results of some of my other disputed information along with my credit report and all personal information were mailed to the fraudulent addresses according to the dispute results summary. I demand Equifax has an actual person review and delete the fraudulent personal information from my file. At this point, Equifax is criminally liable for disseminating my personal information to unknown sources and perpetrating additional fraud with my name and social security number.
To Whom it May Concern : Back in XXXX of XXXX we had a mortgage litigation case against our mortgage servicer dismissed by a federal district judge. Our forclosure date is XX/XX/XXXX or 10 days from now. We are trying to work things out with the mortgage serivicer, Mr. Cooper/Nation Star but they won't allow us to do anything because they say the account is in litigation even thought it has been almost eleven months since the case was dismissed. We are not allowed to communicate with the trustee sale law firm because they are saying the account is in litagation, which at this point it is not and hasn't been since XXXX of last year. This denies us any attempt at a work out such as a loan modification.This is not right and seems to be illegal. Because of this delay, we are losing out on a chance to save our home from foreclosure. We are just the little guy being subjected to the illegal actions of XXXX XXXX. 
Sincerely, XXXX & XXXX XXXX
From XXXX to XX/XX/2017 company reported late payments on student loans. I was told by company while on XXXX XXXX loans are deferred. I have sent a copy of my XXXX to company. I have had no taxable income since leaving the XXXX in the amount to pay the debt ( currently only get va XXXX ) creditor told me I am right but still refuses to remove late pays.
In XX/XX/2018 I began refinancing my home mortgage with XXXX  XXXX XXXX. I have a second mortgage that was sold to Select Portfolio Servicing out of Utah/Florida. To date, SPS has not completed their part of the processing so XXXX  XXXX XXXX can schedule a closing. In conversations with SPSboth customer service reps and a manager, Ive gotten the run aroundsaying it will be completed in 3, 5, 7 days since mid- XXXX. XXXX has talked with them and they tell them the same.
Bank of American violated Federal rules when they placed a 10 day hold on a ATM deposit of Cashiers check {$4600.00} that I had drawn from my XXXX locally down the street. After calling them multiple times and visiting the branch 3 times on my trip out of state. They decided they can just do what they please even after I pointed out to employees and supervisors that they were violating FDIC rules on clearing bank deposits. Their actions caused me to be late with my mortgage payment which I transfer every month through the branch. The hold did not qualify under the exception rules at all and they were told that and still kept the hold in place long after the cashiers check cleared. I want some sort of sanctions or formal reprimand placed against B of A for not following the rules and I should be given both an apology and some sort of monetary compensation for damaging my payment record with my lender and causing me to drive 3 hours 3 times out of state to the nearest B of A while I was on vacation to try to handle the problem. I had to pull out over {$4000.00} more from another bank causing me extra fees and charges just to make my mortgage payment which was late because of their hold.
There is a collection note for medical that is not mine.Also I have never received any notification from a creditor. Please remove from my credit history, it is not my bill.
Trident assessment management {$470.00} opened XX/XX/XXXX Last reported XX/XX/XXXX Trident assesment management XXXX perimeter center east XXXX XXXX XXXX georgia XXXX XXXX XXXX XXXX I have never been contacted by XXXX company. There is no possible way this is my debt.
I deposited money on XX/XX/XXXX The money was withdrawn from my bank account by Coinbase on XX/XX/XXXX. My money is still not available to me on Coinbase as oXX/XX/XXXX
I had contacted CapitalOne in regards to my credit card being closed without my knowledge, i have a credit limit of {$900.00} {$500.00} of which was used as security. 
I have called numerous times and they say only we will investigate, as of now my credit report shows they closed the account and my credit score has been affected. I do have another credit card that doesn't have a security deposit that has not been closed. 
They know this is some kind of glitch in there system but they have not reported on my credit report.
The fee structure and daily interest accrual make the loan payments for the XXXX XXXX Flex Loan restrictively high. My loan balance was {$3800.00} on XX/XX/XXXX and required monthly payments totaling {$1000.00} ( 2 x {$520.00} ), and yet the principle balance was expected to reduce by only {$100.00}. I was only able to afford {$75.00} with my most recent payment on XX/XX/XXXX ( first time late ). The new minimum payment is over {$900.00} and the loan payoff has ballooned to {$4800.00} in less than two weeks. 

After calling XXXX XXXX to inquire about extended payment plans, lower interest rates, or a lower fee structure, I was informed that none of these options exist. My account would continue to accrue 279 % APR interest calculated ( and accumulated ) daily.
My current lender is XXXX Mortgage. I sent a payment of {$1500.00} on XXXX XXXX 2015 which was deposited by mistake into Freedom mortgage 's account. I contacted freedom mortgage and their loan servicing dept contacted me on XXXX/XXXX/2015 and advised me that they had found my check and would refund my money first to Freedom Mortgage and then to my lender XXXX. 
To date XXXX the money has not been sent to XXXX. I have tried to contact Freedom Mortgage and XXXX servicing several times to find out the status of my refund with no success. I need to get this money sent to XXXX so they can credit my account.
This company calls everyday about 5 times a day at our office which we just set up a few months ago. This is a place of business and it is a field office. We do not owe any debts, they should not be calling and they should certainly not be calling 5 times a day everyday! It 's XXXX. I believe it 's XXXX XXXX XXXX. I am familiar with their office in XXXX because I use to drive by it everyday and my nephew use to work there. This one is calling from XXXX per my caller ID.
Hello I am contact you due to a recent increase in fraudulent information on my credit report and I would like this information removed because it is fraudulent and doesn't belong to me. I will first start with the fraudulently credit inquiries that are not mine and do not belong on my credit report and I would like these inquiries removed at once XXXX XXXX XX/XX/2018 XXXX credit card Also these accounts I'm going to list are fraud and I want them completely removed of my credit report at once because they do not belong to me and are fraud XXXX XXXX Reported : XX/XX/2018 + {$0.00} XXXX XXXX XXXX Reported :XX/XX/2018 + {$420.00} Closed XXXX XXXX : XX/XX/2018 + {$420.00} Closed Remove these accounts at once they are fraud and do not belong to me and I want them removed at once. 

Also my credit card balances are incorrect and I want these cards listed to be updated at once because your company is reporting false balances which is causing harm to my XXXX XXXX. Please update balances for XXXX XXXX, XXXXXXXX XXXX XXXX XXXXk, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Please update balances
In the XXXX week or XXXX of XX/XX/XXXX, collection agency, XXXX MAILED me court papers which said on the XXXX page to contact them and resolve prior to court date. And, make payment arrangements. I did. I am a XXXX Veteran. I was in recovery from hospitalization and I did not have a wheelchair to be in court. This is why I made PRIOR ARRANGEMENTS according to court papers mailed to me. I called the phone number and was in contact with someone at collection agency who set up the agreement for my file # and sent the contract for me to sign. I sent signed contract back along with payment and paid according to contract. XXXX of the medical bills was from 9 YEARS AGO IN XX/XX/XXXX while the other few were medical bills from 1 YEAR AGO OR 1 MONTH AGO and were medical bills not even sent to me because BANNER HEALTH took over XXXX XXXX XXXX and their computers were letting everyone 's medical bills in the community slip to local collection agencies. I did not know for 3 years my AGREEMENT/CONTRACT/PAYMENT/AND PAID IN FULL VERIFICATION FROM WAKEFIELD was XXXX and the XXXX XXXX XXXX XXXX were e-filing a judgment that showed an amount less than a satisfied Agreement/Contract/Payment with overpayment of {$75.00} never reimbursed by this collection agency. Injustice and lies to a court were done by this collection agency.
This is the 2nd official complaint against XXXX XXXX XXXX   regarding their inaccurate reporting to the credit reporting agencies. I have been dealing with this since XX/XX/XXXX Because I filed a complaint through CFPB and the State of Texas Attorney General 's office XXXX XXXX XXXX  is not only incorrectly reporting to the credit reporting agencies incorrect information but they are purposely reporting different information and running my credit report ( s ) multiple [ al times causing financial harm.

Original CFPB complaint # XXXX - XX/XX/XXXX
XXXX XXXX XXXX  in XXXX MT on XX/XX/18 contacted my boss directly in XXXX OR and revealed that they were a collection agency. The person who contacted my boss was rude during the conversation
I filed a dispute that was mailed certified and received XX/XX/18 and signed for. I requested to have account XXXX with XXXX XXXXXXXX XXXX validated. Which means a copy of a contract in my name with them. I was never provided this info from Experian, and within 9 days they emailed me to tell me this account was updated. What was updated? The same exact information is there, and how and when was it validated with me? No validation was done, and this is what continues to be done. This is my credit, my life!
I have been for many months receiving multiple calls daily ( without any message being left ) from a company that identifies itself as Portfolio Recovery on my answering machine. I have not spoken to them, but after checking the Internet for information about this company, I learned they are supposed to be a debt collection company. I am quite sure I have no outstanding debts, but nevertheless prefer not to engage a robocalling agent over this matter. If this were a legitimate claim against me, I believe the company, or its attorneys, would have contacted me in writing. Instead, they choose to harass me at all hours of the day.
The company Experian refuses to dispute my inquiry into accurate reporting stating the following. 


You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute.
Lender refuses to provide a loan history. I requested it orally multiple times, and in writing several times. They refuse to provide. As one of their excuses, they claimed they provided a statement one and a half years ago and do n't need to now. Another excuse they use is they did n't recieve the fax, though it was faxed multiple times, with confirmation, to the various numbers they provided. Each time, they say they wo n't respond to an oral request, and refer me back to the fax request process that I 've done multiple times.
This collection agency reported on my credit report while other collection agencies are trying to collect the same medical debt. My employment offered XXXX health insurance and I went to be seen at the ER and used the insurance. I was not aware that I was billed for the services and waited to see if my employment was taking care of it. The contract ended and then I received several notices from ( XXXX ) different collection agencies about this. I received a letter stating that I had ( XXXX ) days to dispute the account. I sent ( XXXX ) letters off, certified mail, to a XXXX Solutions and a law office by the name of XXXX XXXX XXXX. I do have the tracking numbers for both letters and they were picked up before the ( XXXX ) day mark. XXXX XXXX XXXX returned my letter, stating that I had to sign the letter and would n't validate the information as I typed the letter. There is no law that states that the time halts when a collection agency refuses to send the info. I check my credit report and XXXX is reporting this account now. It is a fresh report as this was not on my credit a few days ago.
Good day, I paid my XXXX Master Card, under Continental Financial, credit card bill in full on XXXX XXXX, 2017, before it was due and on XXXX XXXX, 2017, I was charged a {$10.00} " monthly maintenance fee '' so I contacted XXXX Credit Card customer service, on XXXX XXXX, at XXXX, and inquired about a monthly fee when the balance is XXXX and the customer representative informed me that every month I will be charged {$10.00}. I think that is not only unfair but unscrupulous practices. I paid off my credit card in full to increase my credit score and increase my available credit, but now I will close my account immediately after I pay this insane {$10.00} fee to maintain my account ; when there is absolutely nothing to maintain. I will continue to complain and shed light on these practices. Thank you and have a wonderful day.
I rented a car from XXXX XXXX and paid for the complete insurance including XXXX dollar deductible. The car reserved was not available upon arrival and XXXX said they would give a free day because the vehicle reserved was not available. The car side view mirrors were damaged and XXXX XXXX charged me for the repairs. I disputed with XXXX XXXX and sent all the paperwork showing the complete coverage including XXXX deductible. Chase responded and said they saw nothing wrong with the charges from XXXX XXXX. Specific dates of the charges are listed in the attachment.
Addresses. : XX/XX/XXXX XXXX sent a letter generating a notice for a change of address. 
1. The physical address change is XX/XX/XXXX. If it takes XXXX 1 year to register service it be reported as a data breach to its notice or service of it informing consumer of a data breach XX/XX/XXXX, XXXX refer to down load. 

Addresses. ; Registered with a XXXX, Experian, XXXX ; please, provide me with, credit file listed addresses that generates your data entry a prompt, after inputting consumers identity or file no, if any to indicate the identity has been confirmed you will get a file no. : Means ' : I, am only one person and therefore, should only have { 1 } credit file number. : Addresses. 
The credit reporting agencies are inappropriate to publish it has a right that consumer holds, or retains the capacity to hold the index of addresses reported by XXXX as current. Prior addresses can not be current and a indicator identity 's the address to the consumer by indicating date, year and month from to a detailed date. : A indicator looks like this. 
address from XXXX through XXXX etc
Morning .... 
My Experian credit report shows an employer that is unknown to me. I file
d two disputes with Experian and they are unwilling to correct. 
This employer is only identified by 'XXXX ' without any other details. 
A XXXX search comes up blank and Experian has/will not provided me with any further details of who this might be. 

Thank you.
I have asked many times for proof for this item on my credit because I have never heard of the original provider. I have never been to the location. They have NOT been able to provide me with any proof showing this is my debt. There is no paperwork, no signatures. It is a fraudulent charge.
I was NEVER notified of debt!! According to credit report debt is {$220.00}. Stallingsfinancial never notified me ... never received any correspondence of debt. Stallingsfinancial has now posted debt on my credit report files.
Today marks the seventh call I 've made to my mortgage com pany - Loan Care -  in regards to my  XXXX  taxes not being distributed. Per our contract, all of my taxes are included in the lump sum mortgage payment I pay each month. I received a " delinquent notice '' from  XXXX ,  XXXX ,  XXXX   XXXX  explaining my  XXXX  taxes remained unpaid. I called  XXXX ,  XXXX ,  XXXX   XXXX  back in  XXXX , with confusion, since I understand the agreement between Loan Care and me and my husband as the owners of the property.  XXXX ,  XXXX ,  XXXX   XXXX  assured me they did not receive any payment from Loan Care ; however, they did confirm that they sent them a bill  to Loan Care [ for  our  XXXX  taxes ] back in  XXXX  of  XXXX . When I called  Loan Care c ustomer service, they did not deny they dropped the ball ( and confirmed they would get the taxes pai d (  {$3000.00}  ),  which includes the penalty and service cost. I emaile d Loan Care  again on  XXXX   XXXX ,  XXXX  and I received no resolution. I called again on  XXXX   XXXX ,  XXXX  and spoke to a  manager  named, "  XXXX  '' who assured me our taxes would be paid that day, and she would send me a confirmation email with the breakdown. That never happened, so I called the direct number  XXXX  originally provided me on  three d ifferent occasions, and I got a machine message for "  XXXX  '' (  XXXX  either lied about her name, or she pawed the responsibility on to  XXXX   ).  Nevertheless,  XXXX  nor  XXXX  have yet returned my calls. Today, yet again, I hung on the phone for ov er 15 min utes, and when I asked to speak to  XXXX ,  XXXX , another customer service rep, hung up on me. I called back AGAIN, and spoke to another customer service  manager  named,  XXXX , who advised he could n't help me. It is now  XXXX   XXXX ,  XXXX  and there is a lien threatened to be placed on our home, as the taxes still have not been paid. This is outrageous!!!!! My husband and I are the innocent party and are being treated like criminals all because of this unorganized, lying, lazy mortgage company!     Aside from the frustration for the people working there who make continuous false promises,  Loan Care has breached our contract wherein they are legally responsible for correctly distributing our tax money.       XXXX   XXXX
I have an FFEL Master Promissory Notes ( student loan ) with College Foundation of North Carolina. I am trying to determine if they can validate that I approved of, or provided authorization of loan dispersements in XXXX, XXXX, and XXXX. Thus far they have communicated that disclosures were sent to me at the address I had on file at that time. 

I am only trying to determine if CFI can validate that I signed any of the following : 1. Electronic Funds Authorization, 2. Master Check Authorization, 3. Loan Check, in connection with my Master Promissory note. 

I need to know if I signed any of the documents listed, or if they can validate that I have done so by providing a copy of said documents with my signature.
This account was previously listed by another company about a year ago and as the result of a dispute, the account was removed from my credit bureau reports. The account has since been sold, again to AFNI who has attempted to re-age the account and has not made any attempts to verify or validate this debt in the amount of {$550.00}.