WillisBack/dataset-financial-user-claim huggingface dataset:
I called XXXX twice to add a user to my card. I was told that i can add a user WITHOUT my credit being run - PLEASE XXXX GO LISTEN TO THE PHONE CONVERSATIONS. 

XXXX ran my credit on two occasions to add a secondary user to my card but on the phone conversation i was told and i verified " You credit will not be pulled '' i did not give consent. I have called and written XXXX for years and many times about the UNAUTHORIZED hard out of my credit .This is illegal and unethical. I did not give permission and i specifically asked to make sure that my credit would not be pulled and was issued that it would not be. It still was an NO ONE WAS ADDED on those two days
To Whom It May Concern, My name is XXXX XXXX, and my account number is XXXX and XXXX. I have been a satisfied customer of Capital One since XX/XX/XXXX. 

Your outstanding customer service is the reason Ive remained a loyal customer, and Ive always considered it a priority to make all my payments on time. Unfortunately, I fell short of my own standards in the year of XX/XX/XXXX when I lost my employment, and I was over a month late with a payment. 

Your records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with payments since getting caught up. 

As a long-time customer in good standing, I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. 

Thank you very much for your consideration, XXXX XXXX
I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.
Wells Fargo Financial interfered with a dispute I had with an insurance company over the damage on my car. I was in the process of getting legal assistance when wells fargo illegally interfered and signed off my car to the insurance company. They are responsible for my negative balance. Since then I have been harassed by Wells Fargo Financial, and my credit has been ruined due to their actions. I have been abused by this company.
I have an online account at MoneyGram and attempted to log on to complete an international funds transfer. I could not log in at all and kept getting an error message saying to try again later. I called the company and after several minutes, the rep told me my account had been " permanently closed '' and that I should try another money transfer company. I asked why this occurred and was not given an answer. I asked to speak to a supervisor. The rep said none was available, but there was a person there with more " authority '' than the rep. I spoke to that person who gave me the same blanket response. He eventually said sometimes accounts are closed for the " protection of the consumer. '' I explained that I personally knew the person I was sending the funds to and asked for the close to be lifted. He said he could not do it and directed me to the website 's customer support section. I filed a complaint there, got a " support tracking number '' but have had no response. I also went in person to a MoneyGram location the next day XX/XX/18 to attempt to transfer the funds, but the transaction was cancelled and would not go through. I send funds frequently internationally, as I am a XXXX and send these funds to the people we support there. I need this service to be restored and I need to be able to access my online account.
I received a notice through mail that a debt I supposedly owe from XX/XX/2015, almost three years ago, has now been turned into collection. Prior to this I have not been called or sent anything trying to collect a debt. The law firm is Mitchell D. Bluhm and Associates out of XXXX, Texas. I was not able to get a hold of anyone when I called. The letter sent to me asks for an online payment on a website with my name in it, or to send a payment to them at a different address than is listed as their office.
I have several accounts listed with you that are fraudulent some of these companies such as pmab llc acct # XXXX have said they are removing these items as fraud as my idenity has been stolen but your credit reporting company has refused to remove it as such i have filed a fraud affidavit of identity theft and police report notarized the report also includes the email in which it was sent electronically with the named accounts that need to be removed immediately
Equifax reported a security breach making me vulnerable to identity theft. The only method to completely protect myself was to place a freeze on my personal information on all four  credit reporting agencies. This has cost me {$31.00} and ten hours of my time so far and will likely increase after temporary freeze expires. I feel I should be reimbursed for this. This breach was totally out of my control.
This is not the first time a security breach has resulted in my personal information being exposed. It is past time for regulatory agencies or Congress to fix this permanently - credit reporting needs to be secure - I should be able to lock down my personal information with something other than my social security number and birth date.
I have a single family home, that is carrying ( XXXX ) mortgages. I would like to know how to go about combining them into XXXX, I brought the home in 2006, for {$200000.00} and is still paying interested instead of paying on the principal. I did loan modification XXXX, but that did not help me, if anything it hurt me instead. Because the principal went up. However, my question to you, is there anything a person like me can do to get my mortgages in XXXX. Also the house only value {$180.00} the last time I checked.please can someone look into this please.
I filed a dispute with XXXX referencing discrepancy in CBNA and Sears reporting. In result XXXX 24-month payment history remained pulling down XXXX Score which is 100 points less than all other consumer reports. I am unable to dispute account on-line for the attached account. 

On XX/XX/018 CBNA response to previous complaint. Acct XXXX is being correctly on consumer reports. Request to delete account was rejected and/or unanswered by XXXX, XXXX, and CBNA.
I am extremely dissatisfied with the companies response in a previous complaint. Mr XXXX not only made no attempt to correct their errors on my credit files, they actually did hard inquiry credit checks on my file on XX/XX/2018 WITHOUT my knowledge or consent. I mailed a certified letter to their interim CEO Mr. XXXX XXXX XX/XX/2018 as well. I am requesting that your division still support my rights in this situation until it is taken care of. 

It has been over 30 days since I mailed the last certified letter, I received no response and the illegal credit inquiry that they made still remains on my credit file.
I think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like wells Fargo to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage
after 1 month was told I needed to refi my loan at no cost to me. Then was told they would add the cost to my loan. then received inter office mail that the papers were not filled out properly to sell the loan. Then found out they sold the loan without us fixing the paperwork. Got different mortgage co. After almost 2 months still have not gotten my escrow moneys. I called and was told they sent it to the home I was renting before the home they issued a mortgage to. Nothing but lies
Since XX/XX/XXXX Transunion has been reporting XXXXXXXX XXXX XXXX XXXX as a closed-derogatory auto loan under " Paid in Bankruptcy ''. It was brought to my attention this year XX/XX/XXXX as I 'm currently trying to buy a house. I submitted my 1st disputed online with Transunion requesting this account to be verified and that I have NEVER filed bankruptcy. Result came back unchanged and verified, but I did n't receive any proof of such investigation. I submitted a 2nd disputed for a thorough investigation due to this account reporting inaccurate information since again I have NEVER filed for bankruptcy. 30+ days later Transunion never re-investigated my request and yet continued to report the derogatory information. I sent my 3rd dispute in writing to both Transunion and XXXX XXXX XXXX XXXX requesting them to either verify the accuracy of this account under said " Bankruptcy '' or remove from my credit report. The result came back from Transunion advising that XXXX XXXX XXXX XXXX updated my report to now " Reaffirmation of debt, Paid Repossession ''. In order to have a reaffirmation agreement that 's followed behind a bankruptcy it must be a legally binding contract signed by myself, the creditor, and a judge! Since I 've NEVER filed bankruptcy how could I have a reaffirmation agreement in place with this furnisher. At this point Transunions and XXXX XXXX XXXX XXXX are breaking the law and violating my rights by continuing to deliberately report false information in my credit report.
I have paid XXXX XXXX Card in full for 2 accounts held after going thru a financial crisis. it has been more since XX/XX/2017 that this accounts has been paid. they have failed to update my payment status to paid or delete the file as requested upon payment. i have XXXX XXXX multiple times i have called the collection agency XXXX XXXX XXXX begging to update this information i have send disputes to Transunion XXXX and XXXX and the fail to update or remove my credit files. i've paid in good faith to redeem my good reputation after my hardship. this is greatly hurting my process to buying a home
In XXXX XXXX, I took out only XXXX loan from Key Bank to study for the bar exam. My credit reports show XXXX separate loans all from XXXX XXXX. Due to the losing my job in XXXX, I fell behind on my bills including Key Bank. I have paid down the Key Bank loan from {$10000.00} to {$6000.00}. However, XXXX other accounts XXXX and XXXX XXXX Bank XXXX XXXX show that a claim was filed with the government for the same loan. A few problems. First, I have only XXXX Key Bank loan and it should not be reported the other two times on my credit report. I have sent requests to all XXXX for copies of the loan documents. Second, if the government paid on a filed claim, I am also paying and, hence, Key Bank received double payment. Third, if the government paid the claim, Key Bank is whole and should not be receiving payment from me and the loan should show paid. Or, Key Bank should refund the amount I paid and am paying to the government. 

All XXXX accounts should provide a copy of each separate loan agreement and papers. 
Since there is only XXXX loan, the other XXXX should be removed from my credit reports. 
If the government paid the balances off or any portion thereof, Key Bank should reimburse the government for the amounts I paid.
My info " may '' have been impacted by the Equifax breach. I 've done all I can on my part, freezing my credit with all 4 agencies, cancelling credit cards I do n't use, requesting new accounts for ones I do, changed my bank debit card, requested credit reports from the top 3 agencies, called my XXXX funds. Today, I went to sign up for the free one year identity monitoring through Equifax. Upon reading their terms, Equifax still wants to put my info out to third parties and I see no where to opt out except for preapproved deals.. This from a company that was having data stolen from mid-XXXX until XXXX XXXX when America was informed, but not before three top execs sold their stock. 

I am completely frustrated with this company, I called them today to complain but that 's all I could do. 

# 1 : Since my info is now out there forever the credit monitoring should be free for life. 
# 2 : I should be able to OPT out of their third party schemes. They already compromised my info and think it 's ok to sell my info again. 
Ridiculous. 
I did not sign up for their identity monitoring based on those 2 facts.
We are in the process of losing our home we built. Because of the bank stating after 8 yrs our loan matured. Even though we have signed legal doc. stating we have a 30yr fixed loan with at date of XXXX. The bank wants the payment in full but no one can explain how or why this is happening. They are forcing us into Foreclosure and the latest they ask if we would deed the house back to the bank. We have the house on the market trying to short sale it, our realtor XXXX had it on the market for XXXX. We had an offer but the bank refused the amount and counter XXXX. The buyer did not take that offer. We have had an mortgage specialist tell us we can afford that price but M & T bank will not work with us. After several attempts at a loan modification they approved us, but the payments were over XXXX a month. First all of that is unrealistic and totally unacceptable. They stated refusing our payment and would send the checks back to us. I had to file bankruptcy to stop them selling the house. Then they realized they did n't serve the paper and follow proper rules. I DID NOT go through with the bankruptcy but its showing up on my credit report and It will be a long time before I can provide a home for my family. I have a daughter that just graduated from XXXX XXXX and my other child is XXXX
My payment is due on the XXXX and I made my payment over the weekend as scheduled. Then I got an alert on my credit report that my payment was late. I was not 30 days late because I made my payment before the XXXX, I just think because of the weekend, that it did n't post on time.
XXXX XXXX XXXX contacted me by mail about an alleged debt i owe to XXXX XXXX XXXX in XX/XX/2018. I responded by certified mail asking for validation of said debt and that all correspondence be sent in mail, they have called me without validation of said debt.
I am a victim of identity theft and have fraudulent accounts listed on my Equifax credit report that do not belong to me. I have sent numerous letters and police reports to Equifax disputing the inaccurate information listed on my report and I received numerous letters from Equifax informing the disputed information is accurate. I want the following fraudulent accounts listed on my Equifax credit report removed immediately from my credit report : XXXX XXXX XXXX, Account Number : # XXXX XXXX, Account Number : # XXXX XXXX XXXX, Account Number : # XXXX XXXX XXXX XXXX, Account Number : # XXXX XXXX Account Number : # XXXX XXXX, Account Number : # XXXX Collection XXXX, Account Number : # XXXX Of XXXX, Account Number : # XXXX XXXX XXXX Account Number : # XXXX XXXX Bank USA XXXX XXXX Account Number : # XXXX BankXXXX XXXX XXXX Account Number : # XXXX XXXX XXXX, Account Number : # XXXX Loan XXXX XXXX XXXX Account Number : # XXXX Bank/GLELSI, Account Number : # XXXX Bank, Account Number : # XXXX XXXX, Account XXXX : # XXXX XXXX. XXXX, Account Number : # XXXX
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX  XXXX
XXXX XXXX credit card I dont have the exact amount anymore but I already paid them in full regarding our settlement two years ago.

Discover credit card I already paid them in full 3 years ago XXXX XXXX Already paid them in full around XXXX of this year. 

XXXX  credit card Never been late in payment and paid them in full XXXX Paid them in full already
I have a loan with WELLS FARGO DEALER SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   XXXX and WELLS FARGO DEALER SVC with no successful resolution. XXXX, XXXX and XXXXn were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX, XXXX, XXXX XXXX.
On XX/XX/17 i Transfer {$1800.00} from my wells fargo checking account using XXXX. 
I add the recepient email address to send him the funds. 
The recepient receive the email confirmation that the funds where on its way but they never arrived and the curios things is that the email he received say that the funds where going to a different bank and to a different name. 
As soon as this happened that same day we contact wells fargo over the phone and also in person, they open a claim at the branch and one claim over the phone. 
After a couple of weeks i got a letter that there is nothing they can do because the funds went into someones account and the bank that receive it ( XXXX ) cant cooperate on providing information on the person who receive the funds. 
After this first claim i tried 3 more times opening new claims, and the answer was always the same.
This credit card opened an account for someone other then me in my name and now they trying to make me pay for it even after I disputed it.
I received a notification from XXXX, Equifax, and XXXX notifying me that an update had occurred on my credit report. After logging in and checking the update I was alerted that my credit score had drastically dropped and 8 of my XXXX XXXX XXXX Accounts had been updated to show late payments as of XX/XX/XXXX. I contacted each bureau and was told by each one basically the same thing that the creditor reported the update. I then proceeded to contact the creditor, XXXX XXXX XXXX, I spoke with a CS agent by the name of XXXX on XX/XX/XXXX at XXXX. After verification of all my personal information I informed XXXX that according to all 3 credit bureaus my account had been reported as of XX/XX/XXXX as a late payment and it was negatively affecting my credit which i was working to restore. XXXX then informed me that according to my account they had NOT updated this information with the credit bureaus and because my accounts were included in my bankruptcy they could NOT update ANY information on my accounts with the credit bureaus. I asked her could i have this in writing since the bureaus were giving me the run around about it and she informed me that just as they could not give ANY information to the credit bureaus they could also NOT provide me with anything in writing. She said they could only send a letter to the attorney that handled my bankruptcy case. I informed all 3 credit bureaus of this and they still REFUSE to accurately update my account so this negative impact will be removed from credit reports.
On XX/XX/2016 I submitted a complete Short Sale packet to Financial Freedom for review. They requested a new Property Appraisal by a 3rd party Appraiser of their choosing. On XX/XX/2016 the value came back at {$740000.00}. Based on the terms of the contract provided by financial freedom the appraised value will determine the acceptable purchase offer price which is XXXX % of that appraised value. An addendum with the new price of XXXX % of the new Value was submitted for approval in the amount of {$700000.00}. The note holder CIT group inc. was to give the approval within 2 to 3 weeks of submitted offer. Instead i received an email on XX/XX/2016 with no return or contact information that the appraisal had some Flaws? no explanation as to why the appraisal was not to their liking as i believe they are misinformed of the actual value of the property. The reason for this was a prior appraisal from a former offer from over 8 months ago by an out of area appraiser who gave a value of $ XXXX.with no consideration to the cost of repairs and its current dilapidated condition. That value was given as a hard number that was used and now that an actual and True value was given they cant accept the reality. I think this is acting in Bad Faith and should be reviewed by a second pair of eyes. This is the first time i have ever heard of the banks own appraisers value come into question. I feel this is not fair and they are acting in bad faith. I have informed the buyers to forward this complaint to their attorney as this is not a common occurrence and something definitely is amiss and should be investigated.
I was informed by an official of the bank ( Citizens Bank XXXX in Delaware in XXXX 2013 that since I have my XXXX-weekly check direct-deposited into XXXX of my accounts, I will not incur any charges whatsoever regarding balances etc. but surprisingly, the bank has stealthily resorted to charging over $ 4 monthly for almost a year claiming the balance on XXXX of my accounts is less than {$200.00}. This is quite deceptive and fraudulent.
I used my husband 's debit account to pay my student loan bill. Navient would n't take the payment because my husband is not on my loan. They returned the payment and did n't notify me that my bill was due causing late fees and hurting my credit. I am on the IBR plan, and I do n't know how that will affect my payoff. 

I also work in non profit, so I was planning on applying for loan forgiveness after 10 years of payments.
XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  ;  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .   XXXX    XXXX   XXXX , TX  XXXX  ; EQUIFAX  XXXX   XXXX   XXXX   XXXX , GA  XXXX  have been reporting erroneous information on my credit report since   XXXX  . I have asked them to remove the information and they have found ways to collude with  XXXX   XXXX   XXXX    XXXX   to keep the mortgage information on my credit report.   They just recently acknowledged receipt of letters  (  responses attached ) from property requesting information be corrected. We have even provided copies of the notorized QUIT CLAIM DEED to  XXXX ,  XXXX  and EQUIFAX in   XXXX  , yet they turned a  blind e ye and willfully violated the Fair Credit Reporting Act ( FCRA ), Service members ' Relief Act ( SCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).  XXXX   XXXX   XXXX  was also informed of this matter and chose also to violate the FCRA, SCRA and FDCPA. Both I and my wife have written countless letters to remedy this with the credit bureaus to no avail. They have caused us economic and emotional duress as a result of their violation of the cited above. We hereby ask that the mortgage pertaining to property at  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  be deleted from our credit files IMMEDIATELY.
I have ( XXXX ) credit card entries from XXXX XXXX that I have no knowledge of. After applying for an auto loan a few months ago I discovered the inaccurate listings. I disputed them with the credit bureaus and they came back verified. I sent a certified letter to XXXX XXXX requesting an investigation. It has been over 45 days and I have not received anything back from XXXX XXXX. No signed contract, itemization of charges or any relevant or sufficient proof that gives them the right to collect on this debt or damage my credit rating. Under the FCRA and FDCPA this negligence is a clear violation. They being the original creditor have to right to verify anything but to only investigate my claim. Without proper records to indicate these accounts were indeed open by me by law they can not report the info to the credit bureaus. the following accounts are fraudulent. Account # XXXX with a balance of {$690.00} opened XXXX and Account # XXXX with a balance of {$570.00} opened XXXX/XXXX/11.