WillisBack/dataset-financial-user-claim huggingface dataset:
I am a authorize user on several of my husbands accounts and his accounts appear on my credit report as an authorize user. Beginning in XX/XX/XXXXI noticed everytime a payment was reported on his accounts that Equifax removed me as a authorized user. As a result of this action, my credit Utilization has decreased over {$62000.00} and decreased my credit score with Equifax several points. The other two bureaus ( XXXX and XXXX ) are reporting all authorized user accounts correctly, only Equifax is mishandling these accounts. I called Equifax and after an hour on the phone, they refused to do anything to correct this major issue. My husband called each creditor effected by this error and all 4 companies indicated that they had submitted the information correctly and that nothing had changed on their end and the problem is Equifax. The accounts impacted are : XXXX XXXX XXXX. Credit Limit XXXX XXXX XXXX Credit Limit XXXX XXXX XXXX XXXX Credit Limit XXXX XXXX XXXX Credit Limit XXXX This continued error is impacting my credit score and I 'm very concerned lenders will begin lowering my over all credit due to the drastic reduction of my credit.
I had my XXXX mortgage with XXXX for the past 10 years and have not had to pay a fee to make online payments. My loan was recently sold to Statebridge Company, LLC. XXXX charges a {$5.00} fee to make online payments. I called to inquire about having this fee waived and I was told that they are unable to waive it unless my Mortgage Note states that there is no fee to make payments. Being in the mortgage industry myself, I know that Mortgage Notes do not state such information. I would like the {$5.00} fee to make online mortgage payments waived indefinitely on my loan # XXXX.
I received a call at XXXX on XXXX/XXXX/16 from XXXX XXXX XXXX . The woman stated that she was calling to collect a debt and when I proceeded to ask questions about where the debt was coming from. She asked if I filed for bankruptcy and if my co-signer had filed which was odd because I have not filed and my mom had filed in the pass which has nothing to do with my current situation. I asked again what company was this from. She said XXXX which is the originator but it actually is from Discover Student Loans. She told me that she wanted to get this resolved or else wages will be garnished or they will have to sue. I was so upset because I have never heard this before and this was my first time communicating with anyone from XXXX XXXX XXXX. I told her that I will let my lawyer know and he will be in contact. She persisted to try and get my lawyers contact info and I repeatedly told her that I will let him know to contact them. She was n't satisfied with the answer but I finally was able to end the conversation.
I went to chase bank XX/XX/XXXX to withdraw {$440.00} dollar and i saw the money came out by the time i take the money out of the atm the machine took the money back. And i went to the next atm saw my remaining balance. Which means XXXX was withdraw on my checking account.balance I called chase customer service and was told i will get my refund within 12 hour. The next day which was XXXX i called again was told i would get my refund with 24 hour. Ok on XXXX i called was told it will take 3- 6 business day to review my claim. I called yester day was told that it will take more than 6 days to review the claim and unsure i would get my refund. Usually it takes a few hours to get a refund from chase. Iam wondering why is it taking so long to get me my refund?
A debt regarding an emergency room visit for my minor daughter. The debt collector is a third party collector and is not certified in medical billing and insurance. I have no knowledge of the original hospital attempting to collect this debt. All information in this complaint about the debt and company attempting to collect it was provided by XXXX and XXXX via phone. 

Sequence of XXXX called me on XXXX/XXXX/2015 at XXXX XXXX CST using the number XXXX. I informed her that I was disputing this debt. I requested the mailing address for certified mail disputes. She refused to give me the mailing address for dispute resolution until I asked her XXXX times. She stated [ my daughter 's ] insurance company was XXXX XXXX. I informed her that [ my daughter 's ] insurance company is XXXX and that XXXX XXXX is her doctor 's clinic. She then requested [ my daughter 's ] insurance information. I refused to give it to her. She then hung up on me. I was unable to obtain the account number or other information regarding the debt. 

I then called the number XXXX back at XXXX XXXX CST and spoke with XXXX. She gave me the account number and confirmed the address stating that it was a payment center address. I asked if it was for disputes, and she confirmed that I should send the dispute there. I informed her that I was disputing my debt. She then stated she would mark my account " as refusing to pay ''. I informed her that I was not refusing to pay that I was disputing my debt via certified mail, at which point she hung up on me. I was unable to obtain further information on the debt. 

A certified letter of dispute and cease and desist has been mailed to the address provided by XXXX.
This is the fourth trial that ProCollect INC. made to collect the debt that I did not owe. 

Procollect Inc. contacted me first time in XX/XX/2015 to collect a debt that I did not owe. It was resolved throughout credit bureau by verifying the person who Procollect tried to contact was not me. 
The same company tried to collect the same debt that I did not owe a few more time for the past. 
Today I got a letter about the same debt from ProCollect. The amount is {$360.00} and the creditor is XXXX XXXX XXXX/XXXX. 
I want ProCollect recognize that I am not the person who owes the debt described in the letter and will not contact me any more.
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows THIS ACCOUNT IS A FRAUDULANT ACCOUNT : B XXXX FIN SVCS LL XXXX IQUIRE NOT DONE BY ME ADT LLC ADT SECURITY Miscellaneous XX/XX/XXXX Equifax DEFENDER SECURITY Miscellaneous XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX SER Miscellaneous XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX SER Miscellaneous XXXX XXXX, XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion CREDIT PLUS Miscellaneous XX/XX/XXXX TransUnion & Equifax XXXX Bank XX/XX/XXXX TransUnion CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax XXXX Finance XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX Bank XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX Bank XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX Bank Apr 2, 2015 Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX, XXXX A Oil Companies XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax XXXX Miscellaneous XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XXXX EquifaX
On XXXX XXXX, 2017, I received an email stating the following : We recently sent you a letter to let you know your forbearance, deferment, or six-month grace period would end soon, and that your accrued interest would be capitalized ( added to your principal balance ). Now that the payment delay period has ended, we want you to know the total amount added to your principal balance was {$3000.00}. I never requested a forbearance or deferment. I have made my regular payments of {$340.00}. The email also stated that my new regular payment would be {$1000.00}, due XXXX XXXX, 2017. However, the automated phone system stated that my new monthly payment is {$710.00}, also due XXXX XXXX, 2017. I called and spoke to a representative and stated that my income-based repayment application was 3 days late causing the changes. I have had an issue with Nelnet every year when it come to renewing my income-based repayment. I work for a XXXX XXXX XXXX in XXXX. I need help with this issue as soon as possible. I had to take a deferment for the month of XXXX because of this issue, of course that means more interests and more debt, while the company figures out my new income-driven repayment.
Amazon.com store card blocks access to 3rd party finance management apps ( XXXX, XXXX, etc. ).
I contacted Equifax because my credit report was showing foreclosure that has been on there for 5 years and I did in " Lieu of Deed '' to avoid bankruptcy of a 2nd home bought for my sons. I contacted Equifax because this should have been on my credit report as in Lieu of Deed. After disputing this, they then drop my score by 20 points because of this investigation. I tried to talking to people with Equifax and can only talk to Foreigners that I could barely understand and they could not understand me and didn't care. I have called several times and still could not talk to one American person that I could actually explain my problem to. They don't care!!!!! 

This is unfair. I pay my bills as required and that is stated on my credit report and now my credit score drops 20 points because of a dispute. I need to know who can help me and that can actually understand me and that I can understand as well. I need help now.
I had originally requested an investigation of XXXX XXXX in regards to their illegal vehicle repossession. Now moving forward and struggling to recover from their deceptive tactics, I had requested for Larry H Miller XXXX XXXX to send the original signing of the credit pull they had done before signing any agreement with them. In doing this I noticed that they had doubled my income on the statement. This I was unaware of at time of signing. I was making roughly XXXX biweekly at the time, I noticed they had filled in XXXX biweekly. This allowed them to grant me the unfair loan they had issued.
XXXX XXXX XXXX XXXX XXXX acct no XXXX and XXXX are duplicates of each other and are on my XXXX and XXXX credit bureaus and are removed from XXXX.the hospital bill from XXXX XXXX, the original creditor is not proper as I was in XXXX XXXX at time of service.I was brought by police for a XXXX XXXX XXXX so any consent on my part was against my will/under duress as I had refused the XXXX XXXX.I would like this collection removed from my credit reports.
Hello, I received private loans in total of about XXXX from XXXX. I pay my monthly bill, which ranges from XXXX dollars over the decade. Majority of my pay goes to interest, so if i pay XXXX, XXXX goes to interest and only XXXX goes to principal. 10 years later, i now owe XXXX. There is no end in sight. This does not seem right and they will not reduce my payments or interests to help me pay off my debt. Can you help me?
I am working with a lawyer to attempt a loan modification and the most recent documents from the mortgage company states " account was reviewed and denied for loan modification on XXXX/XXXX/2015 due to debt to income ratio out of acceptable guidelines. Account currently no longer being solicited due to Cease and Desist placed on the account ''. 
Neither my lawyer or I am aware of where this statement originated from because I have been working with them for months to resolve this modification issue. Any assistance you can provide would be very helpful in working with my lawyer to acquire a loan modification on the property.
I received a call and letter from Nations Recovery Center on XX/XX/XXXX to collect a debt from a judgement that was vacated in XXXX XXXX 2 years ago. Previous to this call I dealt with Nations Recovery two years ago where I provided them proof that this debt was no longer owed and judgement was vacated. I also send them a cease and desist letter in regards to this debt and to no longer contact me in XX/XX/XXXX. They recently called me on XX/XX/XXXX claiming that I still owed this debt so they ignored my cease and desist notice as well as trying to get me to pay them again for a judgement that was vacated two years ago from a debt acquired in XX/XX/XXXX. I since sent them another cease and desist and proof of vacate of judgement for this debt. I continued to receive harrassing phone calls and mail correspondence for a debt that does not exist. I have suffered emotional distress and physical discomfort from these interactions with Nations Recovery Center and would like to report their harassing behavior. I have attached the notice to vacate on the refered judgment. The first letter to cease and desist and a picture of the email that acknowledged their acceptance of the notice and my second notice to cease and desist.
My wife and I are trying to obtain a mortgage and several medical collections showed up on our credit reports damaging our credit scores. All the debts were paid on the companies payment website using my mother-in- laws credit card and confirmation # 's and e-mails were recieved on her email.The Collection Company is : XXXX , XXXX , XXXX and XXXX XXXX located in XXXX XXXX NY . After waiting several weeks for these to be removed from credit bureaus we called on my wife 's account and requested that they send updates to bureaus. A week later they all showed removed and her credit score improved. Mine however were not, so several weeks later I called and they found no proof of payment and said it was still owed.I was on my way to work ( night shift ) so gave them permission to speak with my mother in law as she had the confirmation # and acct #. She spend over 1 1/2 hours trying to get issue resolved with no positive outcome. The rep thought maybe the payment was applied to a different account so she took my mother-in-laws information and was to have a supervisor call her the next morning ( today ). She did a lot more digging into the situation and thinks she had found something that might help track the money. She called back and they refused to even look up anything because she was not the client. The supervisor did get her return call info but refused to call her back because of this. We called call again this morning and they would not speak to me because my mother in law was in the background and the rep could hear her giving advice. They hung up on me. I called back and ended up repaying again using my mother-in-laws credit card. She will have to dispute the original charge to get credit. They need to improve their accounting practices and customer service skills.
This company is reporting a debt that I do not owe them. I need your assistance in getting this matter resolved once and for all. I do not owe this company any money and I do not have any obligation to this company. I have asked this company to provide me with a detail breakdown of this debt, proof that I am obligated to pay them anything and a copy of my signature. I have not received anything from this company as of date. This company needs to be fine for violation of the FCRA. The account is showing up as Acct # XXXX
Creditor : XXXX XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
The company, Integrated Recovery Services , Inc. has been calling me 3 to 4 times per day, they are calling my brothers and leaving messages at least twice a day now. I called them and asked that they send the debt in paper form, through the mail. I still have not received this. They sent me an email with a document and request to submit payment. When I asked that they stop contacting my brothers, they agreed, and then proceeded to call them again the next day. I have contacted an attorney, and have them drafting a Cease & Desist letter now. One of their agents threatened me, blatantly saying, " I will call your whole family, I will make your life a XXXX! '' This man 's name is XXXX, he would not give his last name. He has threatened to call my employer ( I am unemployed anyway. ) He has threatened to " charge me with XXXX counts of fraud, '' twice now, and has referenced XXXX different counties. They have called me at XXXX XXXX and have been calling multiple times per day. They have an " F '' rating with the XXXX, and horrendous reviews by other people they have harassed. I want them to cease contacting me, and end their illegal methods.
I have been with Netspend for over 2 years in which I mainly used for direct deposit from my company and to pay my rent. I had 2 inaccurate charges on my account so I disputed boh as suggested by the agents that assisted me over the phone. XX/XX/XXXX my account was closed without proper communication to me. I called them and asked why my account was closed the lady stated suspicious activity and stated a check will be in the mail and it takes 10 business days. XX/XX/XXXX my rent is due and then after the XXXX it 's considered late and an eviction can be filed plus late fees. I asked if the check can be overnighted to me but he company would not resolve the issue at all. I have XXXX small children and if I lose my place due to the wrong doings of this company then that would be very unfortunate on my behalf. Please assist
ACI stated that i will be served with a subpoena to court for XXXX charges of desceptive use of a check, and fraud if i did not pay my debt off in XXXX payment. My balance was not the same as my original loan amount and after a year of on time payments and i restarted another 6 months to pay it off. ACI stated those payments do n't count toward the balance, and i owe XXXX more than my original amount borrowed. How does this work.
I have disputed this item several times with the credit reporting agency. I have advised them that this is not my account. I did not conduct any business with this company. The creditor is XXXX XXXX XXXX with an open date of XXXX/XXXX/16. The balance amount is {$240.00}.
During the month of XX/XX/XXXX, we were set to refinance our 1st and second mortgage, aka HELOC ( quicken/XXXX ) loan. We called quicken to request a pay off and was told this would arrived via XXXX, which it did not. The closing was set for XX/XX/XXXX and included the pay off of our HELOC, however this did not happen. As a result, confusion of the payoff and payment became an issue. Although the pay off was sent secure email, this was not sufficient according to our loan processor. This is an erroneous error that caused grave consequences in our family 's attempt to move forward after experiencing a financial set back after hurricane Harvey XX/XX/XXXX. 
Our property remains in a disaster affected area but quicken loan has reported a 30 day late payment twice during this time. We ask quicken to rectify this as soon as possible. 
In addition, this is the second time we ask quicken to address the issue of payments during families effort recover from Hurricanes as we do what we humanly can to get back on track.
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

You must remove the inquiry for XXXX XXXX from my credit report!!!!! 

You must remove the inquiry for XXXX XXXX XXXX from my credit report!!!! 

I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the XXXX. System You must update my credit score!!!!
Last month, Citigroup added restrictions on firearm sales for new retail-sector clients, requiring them to restrict sales for buyers under XXXX, and not sell so-called bump stocks or high-capacity magazines. This is the job of Congress not a bank. Lets hope they are watching reasonable and appropriate banking practices more that second amendment details. Back in the XX/XX/XXXX - XX/XX/XXXX financial crisis they needed taxpayer bail out because of poor banking practices. Maybe they should stick with banking instead of politicizing banking services.