WillisBack/dataset-financial-user-claim huggingface dataset:
This is my XXXX XXXX dispute over this issue, Equifax responded and resolved some of the fraudulent inquiries, however some still remain and those Equifax claims there not reporting on Consumer Report anymore but they still areFraudulent Inquiries still remaining -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -This inquires still remain in my credit report, I need them removed like the others.
Letters were sent out to the credit bureaus.The following accounts are reporting on my credit file incorrectly XXXX XXXX XXXX   {$22000.00} XXXX XXXX XXXX {$440.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00}
I would like to be removed from XXXX. Based on my research XXXX is to prevent fraud I am not a fraudster and no company has the right to represent me as a Fraudster because that is slander. My previous financial institution ( WellsFargo ) reported my account due to their banking error. WellsFargo is extremely unorganized and unprofessional with a horrible reputation and very questionable standards of integrity. 


I spoke to several representatives on the phone and they stated that the bank reported my account to the XXXX company because it was over drawn. My account became over drawn because of their bank app & website and text command providing inaccurate available account balance results. This is a common practice for WellsFargo I have spoke with several people who have actually closed their accounts with WellsFargo because of this negligent, inaccurate available account balance result that you get when you use the banks tools that are provided by the bank to get account information. 


The representatives that I have spoke with told me that its not a banking error for displaying inaccurate information it 's something that just happens they do n't know why but it is n't their fault they told me that it was at the fault of the merchants and my fault and in their personal opinion its not a banking error. When I asked them how could I have know this they told it was a opinion of " bankers ''. I told them that reporting my account to XXXX effects me and ca n't be based on someone 's opinion they told me that they ca n't provide anything in writing its just something that everyone should know. Well everyone is n't trained to be a banker for WellsFargo. This is something that I just do n't understand. 


I want WellsFargo to remove the report from XXXX completely I want to removed from XXXX. Because its negligent of WellsFargo to report something like this and I have paid them the amount that was over drawn and I am not a theft or a fraudster it was a misunderstanding and it has a negative impact on my business dealings. They stated that XXXX is n't a credit reporting agency however it impacts me still because financial institutions and employers check XXXX and all financial institutions and employers are n't willing to do the research and inquiry about what happened.
I have been disputing XXXX sales and lease AKA XXXX rents on all three of my credit reports for reporting false and inaccurate information since XX/XX/XXXX 
I had to finally reach out to the Governers office of consumer protection in GA against XXXX 's because I requested they, XXXX validate the debts for me, sending them a certified return reciept letter dated XX/XX/XXXX -- -To Date -- - they never responded to my request. 
I reached to to the Governers office in XXXX and they tried to reach XXXX XXXX see attached letter XXXX AND even they were ignored ( see attached ) In the intern ALL negative accounts with XXXX 's were delete from both XXXX XXXX XXXX see attached ) and XXXX with the exception of Equifax. 
I then sent Equifax a letter, certified return receipt requested and date stamped XX/XX/XXXX XXXX See attached XXXX asking them to please remove XXXX rents as they are not complying or responding and that XXXX XXXX and XXXX have deleted them from my reports. 
I have allowed sufficient enough time to hear back from Equifax -- - to which I have not, so today XX/XX/XXXX, I called them and once AGAIN explained the situation and asked that they remove XXXX rents negative inaccurate report from my credit report. 
NOW -- Equifax is stating " they can not remove it, only XXXX can '' I have been made aware that the credit reporting agencies are supposed to report ACCURATLY, and I have gone above and beyond to prove that XXXX is not reporting ACCURATLY and Equifax is denying my request and essentially telling me, even with the information they have, all the disputed I have made since XX/XX/XXXX till current, that they are refusing to comply. 
I wish to file a complaint against this company.
I graduated from college in 2013 and have been paying back my loans since then. I started out at around {$42000.00} for this loan and it has only gone down a couple thousand. I tried consolidating the loan, but it was broken up into XXXX different bills and I would get a separate bill in the mail for each. We had bills not arrive on time and when our payments were sent in it would n't read as paid and my dad and myself got docked hard on our credit. It 's now 3 years later and although the payments are easier to manage, it is still not going down due to the interest rates. Each of the XXXX loans have their own interest rate instead of having XXXX loan and XXXX rate. My federal student loan is down and I have only XXXX more till it 's paid off. I am still at around {$40000.00} for Navient, and I pay over {$600.00} a month. My husband is military and travels a lot and I have a physical illness and ca n't work long enough hours to keep up these payments. It would be one thing if I saw my balance due getting lower, but it seems as if it does n't move. I do n't know what more to do.
XXXX XXXX XXXX XXXX. Denied A Fraud Claim Of {$14000.00} From Wells Fargo Bank Who Allowed Money To Be Laundered In The XXXX, XXXX Branch Wants Money Returned. 
On XXXX XXXX, 2016, I, XXXX. XXXX XXXX became a victim to an IRS Scam ( XXXX ), was instructed to pay {$14000.00} ( {$6200.00} Taxes Owed + {$8000.00} IRS Processing Fees ), and to deposit it in IRS Accounts ( Acct : XXXX and XXXX ) at Wells Fargo Bank, in XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX ). A XXXX XXXX ( XXXX XXXXXXXXXXXX ) stayed on the phone with me ( inside the bank as well ) until the deposits were completed. 
On XXXX XXXX, 2016, I filed a XXXX Police Department Report ( Incident # XXXX / XXXX ) as instructed by XXXX XXXX ( Asst. Branch Manager of Wells Fargo Bank in XXXX, XXXX XXXX ) to start the IRS Scam investigation. The Branch Manager ( XXXX XXXX XXXX / Wells Fargo Bank in XXXX, XXXX ) told me to come into the bank on XX/XX/2016 to start the Fraud Claim investigation. On XX/XX/2016, XXXX XXXX ( of Wells Fargo Fraud Prevention XXXX XXXX, XXXX ) informed me that she was the fraud XXXX for my case. I called XXXX XXXX weekly to find out the status of the case, and she ignored my calls for more than 30 days. Then I contacted the Branch XXXX again on XXXX for a case status update, XXXX XXXX laughed and said he had about XXXX other fraud cases, but would email / call XXXX XXXX and let me know within two days his findings. XXXX XXXX never called back. XXXX XXXX called me on XX/XX/2016 and said that she had closed the case on XX/XX/2016 ( More than 30 days ago ), refused to give a case number, and said to contact the XXXX XXXX XXXX XXXX for answers. 
On XXXX XXXX, 2016, Wells Fargo Bank 's executive office ( in XXXX XXXX XXXX ) contacted me, gave a new Case Number ( XXXX ), and said XXXX XXXX XXXX would be investigating the case. XXXX XXXX called me, concluded his investigation ( on XX/XX/2016 ) stating that my {$14000.00} would not be returned ( because I walked into the branch and deposited the money into the accounts ), and no letter would be sent to me regarding the findings of the case. 
XXXX XXXX XXXX XXXX. XXXX XXXX wants the case to be settled as follows : Full payment with a Cashier 's Check of his {$14000.00}. 
Letter of with both Case Numbers and investigation findings.
I have fraudulent accounts on my credit report that I never have had in my life. My XXXX XXXX app says that these things are bringing my credit score down tremendously. 

I need someone to help me fix this because it isn't fair. How can I owe a company I never ever signed up for?? 

Accounts : Transunion : - 6 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX ) XXXX : - 4 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX )
I NEED HELP. My complaint is with my mortgage company PHH Mortgage. <P/>In XX/XX/XXXX I began to have a financial hardship. I have a sick parent and XXXX XXXX XXXX grandfather and I had to leave my residence temporarily and stay in there home in Florida to help them. Due to this I was unable to pay my Mortgage in XX/XX/XXXX and XX/XX/XXXX and I feel like I was set up to fail by my mortgage company, now I am in jeopardy of losing my home. When i called to find out my options I was given a phone financial interview which I was told I pre-qualify for assistance, and advised to do a financial assistance package in order to apply for assistance. This seemed normal because over the course of my loan since XX/XX/XXXX I have had three other hardships and this seems to be standard operating procedures. At no time was I ever given any information about the requirements or rules by the lender of a modification. So I emailed the documents and waited for a response. I called to follow up every few days because I am away from my home and could not receive my mail. I received a phone call by my mortgagee company saying congratulations I have been approved for a loan modification and that my payments would be reduced for 6 months during the trial and after that is complete my payments would return close to the original payments and the past due would be put on the back end of the loan, again going through this three times before everything seemed appropriate. I began making payments as agreed ( payments were called in and paid over the phone ). I made 5 payments as scheduled and in XX/XX/XXXX I called to find out what my new payment would be after the modification. I was then informed I was not on a trial modification I was on a unemployment forbearance and I would be required to do a balloon payment and pay everything past due including the 6 months while I was on the forbearance. As you can imagine when I finally got a understanding of what my situation was i was very upset. i was told by PHH Mortgage ( my Mortgage company ) that my only options are to re-apply for assistance which I did in XX/XX/XXXX. I filled out the financial package again and on XX/XX/XXXX was called by my case manager XXXX XXXX ( who I have n't spoken to the entire time I was on this so called forbearance ) and informed I was denied for the modification because the months past due are greater than allowed I could n't due this other option that was available because I have three prior modifications and my only options are short sale, pay the past balloon payment or give the home to the mortgage company in lieu of foreclosure. I was never told by any agents of the company anything about only being able to do three modifications, if that 's the case then I should have been informed that during the process of my third modification.I feel like I was purposely given incorrect information to sabotage my loan so I give it to them. My financial situation has changed and i am working and in a better situation. I need help! Please assist me in getting a long term solution to this short term problem.
I have had a great deal of problems with the lender Navient in the recent year. Last year if you look at my history they charged the wrong bank account and it was a big debacle getting things squared away, it took close to 6 months. Anyways, they are at it again and are taking payments but XXXX is being applied to my balance. My balance is going up monthly and I am making payments. This should n't be happening. I am keeping a detailed record on XXXX spreadsheet of each loan and the payment allocated whether principal or interest and this past month my total balance went up. I also had a payment applied that did n't do anything to a loan. I also believe they are n't applying correct interest rates and are double dipping into my account.
On XXXX XXXX, 2017, I sent a certified letter to GM Financial, for account # XXXX under XXXX and XXXX XXXX, in regards to verifying an additional fee added to our bill in relation to a debt collector by the name of XXXX XXXX XXXX XXXX. The certified letter requested validation under the Fair Debt Collection Practice Act to provide evidence bearing my signature from debt collection, which GM Financial decided to pay without validation and is now charging me for it. GM Financial stating that fee is valid due to an itemized statement from debt collector which is not a legal documentation without a signature.
I am a female minority, which is currently being suppressed from achieving the American dream by Transunion. Recently, my rental history along with other changes was added to give a complete accurate account of my credit assessment abilities. Transunion failed to re-score or do a comprehensive risk assessment of my credit history and now their action is obstructing my application for a home and the opportunity to gain the best rates.
A payment was missed to TD BANK in XX/XX/XXXX. This was realized upon receiving my XX/XX/XXXX monthly statement on XX/XX/XXXX. Phone calls with no messages left started on XX/XX/XXXX, prior to receiving my monthly statement. On XX/XX/XXXX a message was left. I called back on XX/XX/XXXX, and advised that XX/XX/XXXX and XX/XX/XXXX payments plus XX/XX/XXXX late fee would be paid electronically paid on XX/XX/XXXX. This was 8 days prior to the due date. I received a phone call 30 minutes later. This person acknowledged that they could see they had just called. Since that conversation I have received no less than 2 phone calls per day from this company. They do not leave a message. On XX/XX/XXXX I spoke with an employee and they advised that as long as the bill is behind the automated system dials. Once they talk to the individual they can then see that arrangements have been made. This is a list of calls and times : to # ending XXXX : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX. To # ending XXXX : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX & XXXX, XX/XX/XXXX XXXX XXXX. Seventeen phone calls with only 2 messages left over the course of 12 days. Twelve of these phone calls coming after an agreement was made. THIS IS HARASSMENT.
Yesterday I was advised by XXXX that I am a victim of identity theft. I filed a report with the police who advised me to contact the credit bureaus. I spoke to reps at XXXX and XXXX who were helpful and will be sending me a credit report. 

By contrast with Equifax, it was IMPOSSIBLE to speak with a human being ( punch this, punch that ). After about 15 minutes the computer said I am not entitled to a report and disconnected me. That level of customer service is simply UNSATISFACTORY. It is apparent that senior management has NO interest in helping customers deal with identity theft. Perhaps the Fed Govt can get them to provide me with my credit report so I can determine if any accounts have been opened in my name.
There was a credit card from XXXX XXXX XXXX opened on XX/XX/2018 under my name from an address I moved out over ten years ago. This card was opened under my name from a very old address and I never open an account with XXXX XXXX XXXX   before. On top of that, whoever is using the account is left the account in bad standing and it's hurting my credit score. Trying to remove the account multiple times, but never heard back from the bank nor the credit bureau.
I explained to company and all XXXX Credit Agencies that this does n't belong to me. They refuse to move it or send me proof that I should pay it.
Gila Corp have been calling my home number on a daily basis for the past 2 years. They leave automated messages concerning a debt. They do not advise what it is only a number asking me to call them back. I did return their call but I got nowhere. They continue to call which is giving me emotional distress. If I owe someone money they should send me an invoice or statement and if it 's correct I will pay it.
I am XXXX and own a home in SC. My XXXX company offers a interest free financing through Wells Fargo for a major repair I need. Wells Fargo does not recognize the XXXX as a " valid address '', thus precluding my application solely based upon my military service. This seems unfair to deny me equal access to credit because of my assignment on XXXX.
Recently on XX/XX/2018, I spoke with a representative from XXXX XXXX XXXX, I'm coming close to 2 years with them and their financial department is very unhelpful. My payments were roughly $ 31 monthly, I have been late 2 or 3 times due to financial hardships and I do understand that payments go up for late payments, now up to date my payments with XXXX are now roughly {$80.00}. I spoke with the representative and asked if they can assist me to help me keep my payments at least in the $ XXXX- {$50.00}, but the rep was very unprofessional and explained the process if payments are late and the APR goes up, she basically told me " I don't know what you want me to do '' even when I asked if I can keep my payments at a payment that I can afford. Long story short I told her I can't afford these payments and if you are willing not to help me to keep my payments at an affordable rate to send my balance to a collections agency, all she said was " okay that's fine, best of luck to you ''. Not only am I receiving a high payment, but very horrible and unprofessional customer service from XXXX. Please be aware for anyone who is considering getting XXXX XXXX XXXX.
I have being paying a 3rd party company that is associated with XXXX. They have a total of 5 payments from me. I have talked to the main company XXXX ( XXXX ) and they do n't recognize or see 2 of the payments that I have sent ( XXXX XXXX, XXXX in the amount of {$120.00} and XXXX XXXX, XXXX in the amount of {$180.00} ). On my credit score it still shows that I have missed/late payments from XXXX. I have talked with the 3rd party company repeatedly and they continue to hang up on me. I do n't understand how these payments are not positively reflected on my credit score. XXXX is the ONLY company that is damaging my credit score by inaccurate information. I have sent in 2 letters containing both dispute letters and my credit report that they have asked of me and still my credit score is not fixed by the problems they have caused. On my credit score it shows that XXXX through XXXX I have late or missed payments. This is inaccurate. They received 2 payments in XXXX, one XXXX XXXX, one XXXX XXXX, one XXXX XXXX. They have a total of 46 late/missed accounts on my credit report. I only have 5 accounts with them. I have tried to talk to XXXX and the 3rd party company associated with XXXX and I am having a hard time to rectify this problem.
I have several inquires on my credit report that I did not authorize. I have asked that this incorrect information be removed. 
XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX
XX/XX/XXXX To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). This account is a error as well as a duplicate showing twice for the same alleged status. 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. 
Also, XXXX XXXX XXXX. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. 
Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX    XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under FDCPA.XXXX v. Heard XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX. ) XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX   XXXX XXXX XXXX XXXX XXXX  ) I expect this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
I sold my home X/XX/2017 and from the sale paid off my mortgage with Nationstar. My credit report is still showing the account is open with a balance of {$140000.00}. I received confirmation from Nationstar that my loan is paid in full. All of my other loans paid from the proceeds of the home sale reflect paid on my credit report ( i.e. car loan with XXXX XXXX XXXX, etc. ), with the exception of Nationstar. Please update my credit report immediately as this is false reporting.
Experian is reporting a judgement ( # XXXX ) for {$1500.00}. This judgement was paid and satisfied. I have written them twice but they have not changed it to show paid and satisfied.
I went to XXXX XXXX about ten years ago little did I know that coming out of school that I would be making extremely high monthly payments. I could not make the payments with the current job I had so I completely stop making all payments. Years later it has affected my credit tremendously most of the loans are charged off or defaulted on which looks bad. At this point I can not get any type loan car home etc. I do not know where to look or how to get these loans off my credit report which has put me in a tight spot. I would like to finally get this resolved once and for all so I can have a secure financial future.
the account number from XXXX XXXX does not have any delinquencies, letter attached from the creditor. please help me to remove the inaccuracy from experian and XXXX and XXXX thank you