WillisBack/dataset-financial-user-claim huggingface dataset:
I received notification from them and was given 30 days to dispute the charge, which I did, and that letter was apparently ignored as the next thing I received from them was a " Credit Bureau Notification. '' I disputed the amount of the original charge.
I had a builders construction account set-up for myself and XXXX. We deposited {$170000.00} into it, and XXXX deposited another {$170000.00} into it in as loaned funds in our behalf. Frost Bank set-up the account as a construction debts account in our behalf with the builder. The builder began to misappropriate funds and mismanage the account. The Bank fired the builder, and now we want to know if the account was insured by the bank for theft and fraud, and if so, buy whom or what federal agency.
I have paid this debt and they continue to report false information on my credit report. Defaming my character and causing me a hard time trying to get credit beCause of this false statement
Aadditional payments on my student loans are not being applied to my principle balance, but rather only being applied to interest, therefor my balance has not dropped. In 2016 I paid over {$5700.00} in interest, however my balance has dropped less then {$1000.00}. ( 2016 beginning balance approximately XXXX ending balance approximately XXXX. ) I can provide financial statements to show payments and balances.
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Capital One has a computer glitch which they are not disclosing to credit card users. Capital One made a zero percent balance transfer offer to consumers. Consumers who opted for the offer had the balance transfers show on their statements as a new purchase ( instead of balance transfer at 0 % ) and billed/charged 19.65 %. Capital One says it will take one to two months to fix the glitch. While Capital One works on their glitch, consumers are being told that they must make the minimum payment as due with the zero percent balance transfer being billed as a new purchase at 19.65 %. Capital One is not offering any options to consumers saying only they had a glitch which they have failed to notify credit card users about.
Good day and thank you for resolving my last issue with Wells Fargo Bank. Yesterday I went at the Wells Fargo Bank with a copy of my letter of verification for dated XXXX XXXX 2015 for an updated letter for the last six months which ended in XXXX, 2015 and was very unsuccessful. I call the toll free number and spoke to a representative and her supervisor XXXX XXXX and was unsuccessful. I need this verification letter for a XXXX waiver program to be submitted by XXXX/XXXX/2015. Please assist ASAP.
My husband passed away and I am trying to sell out marital home. To my horror I was just told that XXXX XXXX XXXX XXXX acquired by Bank of America, NA in XXXX failed to discharge an equity line of credit of that was paid off during a refinance in XXXX. I am beside myself as I need to sell this property as expeditiously as possible. My husband 's name was XXXX XXXX XXXX. To the best of my knowledge we were both listed on the mortgage. After my husband passed away I shredded a lot of documents and can not locate any original documents related to this mortgage. I am now under contract with the house and need clear title. Please help! <P/>Thank you for your prompt assistance in this matter.
I have had 4 accounts from Capital One secured cards trying to be opened on my account. I lost my social around 3 years and I think this might have something to do with it. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These remarks arent letting me get a credit card and Im expecting in less than 6months. Help please!!!
A XXXX XXXX called stating i owe a debt of XXXX dollars and asked for my employer name and credit card number. she knew my last XXXX of my ssn, my address and birthday. When i asked to send proof od debt in the mail she would n't. I placed fraud alert on my credit til i know if this is legitimate. She then had a man call me threatening legal action because i did n't give a credit card number and when i called back he claimed to have a lawyer next to him ready to take action if i did n't pay Please tell me if this is legitimate or not. The name is stp and the numbers they called from are XXXX and XXXX
Capital Accounts XXXX XXXX XXXX XXXX, TN Capital Accounts reported a debt balance of {$250.00} opened XX/XX/XXXX to XXXX, XXXX and XXXX. On one of the reports it was a balance of {$260.00} XXXX conflicted info ). 
Since then the following payments were made ... 
XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$20.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$9.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX {$20.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} Total paid to Capital Accounts {$240.00} so far. The balance owed would be {$18.00}. These payments were done online with a credit card.Capital Accounts is reporting back to the Credit Report companies a different balance over {$200.00}. It was previously removed by XXXX  and XXXX  since I disputed it..BUT Capital Accounts has now reporting it again with a wrong balance and is back on my credit report. Is this legal?? I have contacted Capital Accounts and they are not willing to cooperate. I have receipts if needed to send to you. Maybe we need to check their license see how legit this company is since it appears to be a scam issue.
I am a victim of identity theft. Someone stole and used my credit cards and made fraudulent and unauthorized transactions on all 3 of my credit card accounts. My entire credit limit was used and all the transactions are fraudulent and unauthorized. The following credit card accounts are lost/stolen : XXXX XXXX XXXX credit card account, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card account, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card account, XXXX, the accounts are lost/stolen and all of the charges/transactions are fraudulent and unauthorized.
When I signed up for a Leading XXXX membership I told the representative that I might not be able to continue coming if I got a job. She said, " That 's alright, you can cancel if that happens. '' So, I went to the health club for about a month before I got a full time job and could no longer go. I continued paying the fees for about five months, but after that I just could see any purpose in doing so since I could not utilize the club. So, I called to cancel and was informed that I would have to pay off the balance. This is not what I was told I repeatedly tried to work something out with them, but they refused. This occurred five years ago. I want to file a complaint against them at this point. It 's negative option billing. I trusted what I was told and then they change the terms.
I have filed XXXX complaints against this company, I received a credit report today the information is still wrong.
synchrony bank continues to report an erroneous account that does not belong to me on my XXXX and XXXX credit reports. they sent me copies of statements showing my name and address. I requested a copy of the credit card agreement showing my signature where I agreed to open an account with old Navy. I never opened nor used this account. it continues to damage my good credit.
the XXXX XXXX XXXX website says that I have only made 7 qualified payments towards my 120 service loan forgiveness program, when in fact I've made 33. I have been sending my paper into Navient for 3 years. Every year I call to ensure receipt and was told that everything was set. Now I'm finding out that only half of my loans are " eligible '' and that I'd have to consolidate the ones that are not first. I was also told my Navient that the ones I have to consolidate to be eligible are the ones that were transferred to the XXXX XXXX XXXX an that I'd have to start of from XXXX  payments.
I had applied for a personal loan with A vent and they were taking the money out on different dates and not reporting payments. Then after a letter from a inquirer we did with NH Banking Department. I found they were not licence and stooped paying and now they reported missed payments to the credit bureaus, yet still have n't sent me a contract or sent me any info on the terms we agreed to.
I had my report pull a XXXX 2015 and discovered some items that were either not mine own personal debt or unverified information. 
1. XXXX XXXX XXXX XXXX ) I have never lived in Texas nor do I have any such account PLEASE DELETE. 
2XXXX XXXX XXXX XXXX XXXX I have disputed this account it was never verified I HAVE CONTACTED XXXX there is no record of account please Delete. 
3.XXXX XXXX XXXX XXXX ) this account has No record and is unverifiable please delete. 
4.XXXX XXXX ( XXXX ) This account does not have Date of last activity listed Inaccurate please delete. 
5. XXXX ( XXXX ) This account never done business with this company please delete no verification. 
6XXXX ( XXXX ) This account was never verified 7XXXX ( XXXX ) This account was disputed and never verified pleae delete.
I had a mortgage being serviced by Ocwen and they have failed to reduce my principle or offer me any relief as ordered in the CFPB agreement dated XX/XX/XXXX. I have received legal foreclosure papers to appear on XX/XX/XXXX at XXXX district court XXXX XXXX XXXX XXXX. XXXX Michigan XXXX XXXX number XXXX. I feel Ocwen is not abiding by the order.
I was in college from XX/XX/XXXX until XX/XX/XXXX and during that time XXXX XXXX was charging me interest while I was currently in school. I sent transcripts on many different occasions yet my loan was still increasing. I began to pay on it until I realized that I should have to if I 'm actively in school. I asked for deferment while i was unemployed they agreed but turns out thet werent putting it on my account so my amount continued to increase. I then got re enrolled in school and have been in since XX/XX/XXXX and I get calls almost everyday about my loan and the amount goes up every month again while I am still actively in school. Have sent multiple transcripts to many emails and nothing is stopping the harrowing calls and emails.
I had XXXX for my television serivice and the payment was suppose to have been taken off my credit card. I also had XXXX for internet service. XXXX turned my tv off 5 different times over non payment. I told them it was suppose to be taken off my credit card. They told me to contact XXXX which I did. XXXX told me to contact XXXX. It was back and forth and for some reason they could not resolve the issue of turning my tv off. After the 5th time I told them to take the XXXX thing out and got XXXX and have never had any problems. I explained to the collection agency and also contacted direct tv and have not had a response from either.
I co-signed for my son and toyota did not pick up the payment from XXXX XXXX because according to toyota motors they had transitioned to XXXX but toyota still took the vehicle and allowed the reinstatement he paid about {$2400.00} for toyota motors to turn around and take the truck back from him and said the account had been closed since XXXX. I tried to refinance the loan and made Toyota motors aware but in the process they ended up asking me to pay {$350.00} for them to release the payout amount to the new refinancing company and auctioned out the vehicle. My credit was ruined and my son and his family ended up with no truck after toyota made that mistake.
On  XXXX / XXXX / 2017 , I sent a letter  to Diversified Consultants asking them to validate a collection that is being reported on my credit report. I neve r received a response.   XXXX  On  XXXX / XXXX / 2017 , I sent a second letter t o Diversified Consultants asking them to validate the same collection that is being reported on my credit report. I still hav e not received a response.
XX/XX/XXXX a loan was taken from XXXX. To date, the loan has been switched to Discover Student Loans as this company bought XXXX. In XX/XX/XXXXthe loan was beginning to be repaid. The loan was for approximately {$14000.00} and I have paid back {$16000.00} in seven years faithfully. I work as a teacher at a non-profit school and hI have a salary of {$34000.00} this year. Previously my salary began at {$26000.00} when I began paying back the loan. I have paid back more than the original loan by {$2000.00}. Discover says that I still owe approximately {$14000.00} due to an interest rate of 12.875 % now. I was never told that I could refinance this rate until now.
I have had a continual problem with my current mortgage company year after year attempting to force outrageous homeowners insurance on me, while have had continuous good coverage with XXXX. Come tomorrow I will be contacting my State Insurance Commissioner and the CFPB to determine if it is XXXX or Suntrust Mortgage which is responsible and/or co-responsible for my last three years of TORMENT BY FRIVOLOUS & IMMEDIATE FINANCIAL THREAT. 
For the last three years I have made calls to XXXX XXXX to change my mortgage supplier to Suntrust Mortgage, Loan : XXXX All three years I made calls to Suntrust Mortgage to get automatic exchange of information. They said it was MY problem and refused to contact XXXX for any updates. 
I have years in a row spoken with XXXX staff to HAVE THIS CHANGED ON THE DECLARATIONS PAGE. YOU HAVE THUS FAR REFUSED TO DO SO YEAR AFTER YEAR. Each year I GET FINANCIAL THREATS BECAUSE OF THE FAILURE TO TRANSFER MY MORTGAGE HOLDER. 
I DID NOT REQUEST A CHANGE IN MORTGAGE HOLDING. IT WAS DONE WITHOUT ANY REQUEST BY ME!!! 
XXXX or XXXX of you incompetent financial companies is responsible for my distress. What if I was on vacation or in the hospital for a couple weeks. I WOULD HAVE BEEN ILLEGALLY SADDLED WITH AN EXPENSIVE AND SUPERFLUOUS HOMEOWNERS POLICY. 
Suntrust says I am responsible to provide the missing information, but they bought the mortgage from XXXX XXXX with nary but a XXXX paragraph letter after the purchase fact. 
XXXX year after year will call Suntrust ( after I have provided the phone number ), but never changes the Mortgage Holder on the Declarations page, causing this to be a repeating CATCH-22 financial threat. I need to know which party or both are responsible for what I believe to be an illegal financial threat and potential immediate illegal action against me. 
PS. GOD BLESS XXXX XXXX.
I am being XXXX XXXX and forced to pay for a debt that I did not create. See attachment. Account # XXXX # 1 ) Name the lender XXXX XXXX XXXX received the transfer of the account from prior to XX/XX/XXXX? 
# 2 ) What was the amount of the transfer? Was it a credit purchase or acquisition?
# 3 ) XXXX XXXX XXXX in XX/XX/XXXX transferred the account to whom? Was the account paid for by credit or acquired as in the purchase of the debt? 
# 4 ) XXXX XXXX XXXX informs that they hired XXXX XXXX XXXX XXXX to service the loan and claims to have transferred the loan to a lender, please name the lender the  account was transferred to?
Equifax and XXXX have failed to report my XXXX XXXX credit card account which reflects positive payment history and could help raise my credit score and lower my credit card utilization. The account number for the XXXX XXXX XXXX credit card is XXXX. The account was previously reporting at both bureaus but it was deleted in error and never corrected. I have called each credit bureau several times to reconcile the situation but they continue to blame XXXX XXXX for lack of reporting. However, XXXX XXXX XXXX sent me documentation in the mail on 2 separate occasions proving that they have been reporting accurate information to all 3 credit bureaus. The XXXX XXXX credit card referenced above is accurately being reporting on my XXXX credit report yet these two bureaus refuse to correct their mistake. I demand that the bureaus be required to report accurate information as stated by the Fair Credit Reporting Act or I will be forced to seek legal action immediately for the damages incurred and for being unfairly denied credit due to their negligence!
Paying Equifax XXXX/yr for their " Complete Premier Plan '' and the score provided using their " Equifax Credit Risk Model '' is providing me with incorrect Credit Score ''. I want a Class Action Lawsuit brought against all XXXX Credit Bureaus for using so many scoring models the Consumer really does not know their correct score. Also, they should be required to delete any collections, judgements that have been paid. What they are doing is continuing to punish consumers for 7 years AFTER a debt has been paid. There are many more issues that need to be handled by the CFBP probably requiring Congressional Regulation pertaining to unfair rules set by Banks, Lenders and all XXXX Credit Bureaus. 
Please Help!
I had a temporary account with Chase Bank ( set up in order to receive a payment from another Chase customer ). In XXXX of 2016 I received a letter saying that a credit card application in my name was submitted on XXXX XXXX and denied because it was a duplicate application. I never applied for this credit card. When I called Chase Bank to sort it out, I found out that there was an application submitted on XXXX XXXX as well, and that was accepted. Again, I never applied for this. I spoke with a cust. rep and cancelled the card. And told him this was fraud. They said there would be a private investigator who would contact me, and to this day, they have n't. The cancelled card ( which was apparently already in the mail ) came to my address. I am beginning to think that CHASE bank used my information that was in their system to fraudulently open a credit card. I have n't had any other instances of a stolen identity or odd things reported on my credit score or in any of my other accounts since that incident.
This is my second complaint. I opened a loan with XXXX college XX/XX/XXXX. The notation on their trade line on my files is : " First payment never received ''. This means my first delinquency date was XX/XX/XXXX. I never rewrote this loan, made a payment on this loan or did anything on this loan. 
XXXX reported it as a collection after receiving no payment XX/XX/XXXX. ( That notation is on the paperwork attached ). Of course the delinquency date was still XX/XX/XXXX since NO PAYMENT WAS EVER MADE. To illegally manipulate the bureau 's obsolescence programs and VIOLATE FEDERAL LAW they changed it back to 180 days late in XX/XX/XXXX. Apparently so that this stays on my credit file for the rest of my life. 
I filed a complaint and all Experian did was tell CFPB that they sent the dispute to XXXX and XXXX verified it was correct. ARE YOU KIDDING ME? THIS IS SIMPLE MATH PEOPLE. NO PAYMENT SINCE XX/XX/XXXX ... changed to collection and then back to 180 days late. DO I HAVE TO SUE Experian TO GET THEM TO OBEY THE LAW? 
Please pay attention to the historical payment detail attached and force Experian to obey the law. 
You folks really should publish this one. I understand this manipulation of account status is the number one way companies keep things on people 's credit reports for the rest of their lives.
Please be advised on XX/XX/2016 I sent Chase information Pursuant to 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I sent the correspondence in the attachment to Chase! Chase has not provided any documentation as outlined in 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information
Good morning, My name is XXXX XXXX I financed a vehicle ( purchase ) thru Bank of America back In XX/XX/2005 all payments on time never missed a payment payed off in full on time. On my credit reports it reflects late payments, the worse part is its still reoccur on my credit!! My Vehicle has been pay off on time as promised there should be no reason why this is still reflecting. I've contacted them ( over the phone, via email ), on numerous occasions, I compiled with there request, I sent all documentation as requested, with at times no response whatsoever. Contact the XXXX continue to try and communicate with Bank of America with no results it seems to me that BOA has no proper division that handles these types issues and quit frankly they don't seem to care. We the consumer are stuck with no place to vent to correct theses matters, All three credit bureaus have instructed me to reach out speak to Bank of America, Simple right!? Why didnt I think of that!? ... Unfortunately there's no one that handles these situations over the phone nor email I continue to get the run around with no success. A bofa representative that try his very best to assist me basically said no one can help you here please stop with calls and emails there's nothing we can do for you. He apologize and recommend me to lawyer up. I'm not no where near able to afford an attorney, any assistance would be greatly appreciated sincerely. Below I will attach all my contact information if need. Thanks again for you time. 
XXXX XXXX XXXX XXXX XXXX
we received a bill from  Harvard  collection services inc, I was not aware that i owed these doctors. original amt.  XXXX  settlement amt.  XXXX  then offer was made  XXXX  if paid on the phone. i had bad experience on dealings on the phone so i offered to pay by check, cashiers ck, or money order. at that time i was told that if i had concerns about paying on the i could pay on the phone and then close out my acct. then they said i could pay by ck. but amt would be  XXXX  to me this made no sense at all. this is what brought me to this point in time. the closing the acct. was so far off the wall i really became concerned.
I am receiving emails with other individuals personal loan information from my student loan servicer Navient. When I tried to research their Privacy statement it is mostly directed to sharing information to third parties. I believe it has to be some kind of breach of privacy if I am receiving other people 's emails and makes me wonder who is receiving my personal loan information.
Paid this XXXX for assistance to help with business credit and she never provided the service that was included in her invoice. She received my money and then stop responding to all calls, emails and text messages from me. I found out later that she is a fraud and uses fake ID and names so people will not find her. She also makes fake XXXX and a list of other fraudulent things. The number she uses is XXXX ; email addresses : XXXX & XXXX ; business address:XXXX , NV XXXX ; company name : XXXX or XXXX ; home address : XXXX , NV XXXX and Other names : XXXX .