WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax is continuing to report fraudulent accounts on my credit. I have communicated with Equifax, XXXX and XXXX for over a year. I have disputed and communicated within my rights to have these accounts removed from my credit reports. XXXX  and XXXX  have complied with my request to block and remove items that do not belong to me, per section 605B of the Fair Credit Reporting Act, which details the credit bureaus responsibility to block fraudulent information on my credit report resulting from identity theft. All required documentation was submitted and Equifax has handled my certified mailed documents as if they were a normal dispute. 
On XX/XX/2018 I spoke with a fraud department manager, XXXX in regards to my concerns in how they have handled my file. Only one account was removed and he stated that this was due to the creditor stating to remove the account. I questioned the manner in which they were handling my case and he stated that they have to present my information to the creditors and wait for them to 'electronically verify ' my account. By law, a document bearing my signature has to be on file to validate the accounts and neither the creditors or Equifax have a copy of these alleged documents.I was told by XXXX that an electronic verification is all that they need. This is not legal and I want these fraudulent accounts removed from my credit file immediately. I am prepared to take the next level of suing Equifax for not complying with the law and misrepresentation of my credit profile.
I am a victim of ID Theft and I have been trying to get " Transunion '' to remove this fraudulent account from my report after sending in ; police report, FTC report and proper ID to get them to remove the fraudulent account. After months of trying to get TransUnion to block the account, the account still is reporting on my credit. 


Account still reporting : " XXXX '' ( I DID NOT OPEN THIS ACCOUNT, IT 'S FRAUD!!! PLEASE REMOVE!! )
Portfolio Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I am being charged overdrafts fees for transactions that I should n't be. I should only be charged for XXXX overdraft fee and that is when I withdrew {$80.00} from the atm because I have also been having issues trying to get a debit card sent to me. When I withdrew {$80.00} I had money in my account but it was n't enough so that is the only time I should get the fee. Well BB & T decides to process my transactions in the order they want so I occur more fees instead of the order I used my card. So as of XXXX overdraft fees were {$100.00} when I called the customer service line she was supposed to credit XXXX and have a supervisor call. Well today XXXX XXXX 2015 I see I have another overdraft fee for {$72.00} because they charged me {$2.00} for calling them. I called back and was told XXXX thing from customer service and when I called the Branch in XXXX VA off of XXXX XXXX, XXXX told me something different. She also told me a Manager could not help me. I want this taken care of before I get my job to direct deposit my check. I should n't be charged almost {$200.00} for nothing. The only time I used my debit card to overdraft was XXXX time only and that was the last time I used it. If I did n't do that last withdrawal none of this would be happening. Its sad banks manipulate the way they post transactions to occur more fees for their clients.
I disputed a collections account from XXXX XXXX with XXXX on XX/XX/ 2017 because I have never received any correspondence from this company, the account just appeared on my credit report. The dispute still shows open as of today. 3 weeks ago the account was deleted from my credit report only to be added again 1 week later. I have still not received anything in writing from this creditor.
the XXXX derogatory reports were bills from hospitals due to a serious car accident XXXX. My lawyer had all the bills and was supposed to pay them. When these XXXX derogatory reports showed up on my credit report I paid them right away to preserve my good credit, as I pay all my bills on time 100 %, as my credit report shows. 
Yet XXXX derogatory reports are still on my credit report from XXXX and Equifax. XXXX eliminated them after I talked with them. It is very hard to get in touch with these XXXX reporting companies to correct my credit report.
U.S bank denied to refinance my current loan because they were " Unable to verify residence '' despite providing a XXXX and an approved XXXX. I currently have an FHA loan that originated with my brother who is a Permanent Residence. I ca n't refinance with my brother now due to his poor credit.
I've filed a dispute with Transunion and XXXX requested an investigation on collection transactions filed against my credit report from XXXX XXXX XXXX XXXX, whom has violated the FCDPA law, reporting an old debt that is more than XXXX  years old. According to FCRA law, consumer reporting agencies may not report outdated negative information that is more than 7 years old, which in this case the debts were XXXX years old. 

The consumer reporting agencies did not investigate this matter, they simply sent me a letter stated " Information verified as accurate '', which did not resolve the issue. 

According to FCRA law, I demanded that the consumer agencies to remove the collection accounts from my credit report that were filed by XXXX XXXX XXXX XXXX.
Reflecting on credit reportXX/XX/XXXX {$630.00} Paid off in store! 
XX/XX/XXXX{$650.00} Paid off in store! 
Company not licensed according to Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
CNAC/XXXX is reporting negative collections on my credit report. This was a XXXX Byrider car that i got. The car broke down on us 2 weeks after i got it from XXXX Byrider. They said i was responsible for all repairs. I told them that is unacceptable because the car was making a weird noise to begin with.They were suppose to look at it before i drove off and never did. So the car sat in the street at my house for a long time. I asked them to come take it back that i did n't want it no more. They waited and refused to get car. I told them there was a 30 day return policy and they refused to honor it. I was dumb and young at the time and just let it be. Now i know better and regret my choice. I should 've pushed them to follow their policy. They should n't be reporting it anymore.
I obtained an auto loan with Santander Consumer USA. I consistently receive my bill late so that the only way I can pay it on time is to do so online, where I will be charged a convenience fee of {$10.00}. They state that if I send in a check, it will take 5-7 business days ( which can be 10-11 real days ) to process my payment. My due date is XX/XX/XXXX, and I 've not received by bills until XX/XX/XXXX or XX/XX/XXXX. I feel like this is a deliberate attempt to force me to use a payment option that requires additional fees or to add late payment charges to my account. The first month, I had no choice but to pay the {$10.00} and the second month, even though I mailed my payment on XX/XX/XXXX, I 've received emails warning me that my payment has not arrived and I will incur late fees.
received a notification from all XXXX credit agencies that this entry was made to my credit history. have contacted the collection agency in question 4 times to try to verify the debt and get more information. To date ( 4 months later ) I have not yet received a reply. Have tried calling them 3 times only to hear that the manager will call me back. No-one has called me back
Chase Visa  wrongly and systematically sides with the vendor in disputes over fraudulent charges and, in a disputed case, NEVER sides with the consumer. In the following case they have been caught out. My complaint is that they did not conduct a thorough investigation, that they wrongly reported information to me and that they wrongly allowed a fraudulent charge to remain on my account.     I was fraudulently charged {$16000.00} by a vendor, to whom I had previously given my card details for a legitimate charge. The vendor charged my card a second time without my knowledge, consent or authorization and for services I had not incurred. Unknown to me, the vendor had retained my card information from previous use.  Chase refused to treat this as fraud because I had previously given my card details to the vendor. Chase  claimed I must put the transaction into dispute.     After review of the dispute I received the attached letter dated  XXXX   XXXX ,   XXXX   from Chase, which sided completely with the merchant in the case and said ; " Merchant has provided contractual agreement on this transaction. '' No copy of the contract was sent to me and how could it have been - none existed.     On  XXXX   XXXX , the merchant credited {$14000.00} of the fraudulent charge back to my credit card ( see attached ). If the merchant returned the majority of the funds, how could  Chase, just one w eek earlier claim that they had viewed a contract which showed the funds taken from my account had been taken legitimately? I want to complain that Chase carried out an improper and inappropriate investigation which was biased and untruthful.
Experian credit bureau has refused to report my mortgage payment history for several years. I have tried on many occasions to rectify by many phone conversations. Since filing a chapter XXXX bankruptcy in XX/XX/XXXX and having it discharged about XX/XX/XXXX. Missing trade information is greatly reducing my credit score. When XXXX and XXXX reports complete credit profiles. Experian should be investigated and fined, if a violation has occurred. I would like for Experian to report my complete credit profile.
Purchased vehicle XXXX a XXXX XXXX XXXX at XXXX have paid on time ever missed a payment and still owe XXXX to this date. Called for payoff told it has all bee. Going to interest and not one cent to principle. I was told this was a 5 year loan and now have been told it will be extended to XXXX. After so many principle payments. Vehicle is upside down XXXX only worth XXXX can not trade with out XXXX and no bank will refinance. Please help me. I am a single mother.
Best Serv Co ( collection agency ) has reported a debt on all 3 credit bureaus after my dispute that the debt was paid many years ago. They are collecting for XXXX XXXX. XXXX XXXX and I had a dispute over product that I paid for and returned. They charged off the debt in XX/XX/XXXX despite my dispute and documentation. Best Serv Co has re-aged this account on my credit report in violation of FCRA Section 605 ( c ). They are showing that the account opened in XXXX. I informed them I did not agree with the account, the balances etc and they just ignored me and now illegally report the debt using strong arm techniques. The account is over 4 years old regardless and past the statue of limitations. It is also being duplicated by XXXX XXXX and Best Serv Co was informed of this. They also just list themselves as N/A on XXXX so that I can not dispute properly
Dear Sir/Madam, I am writing with reference to a recent incidence that occur during my telephone conversation with a Citi customer service agent regarding my Citi Access More credit card ( ending XXXX ), on XXXX XXXX, 2016. I was requesting the customer service agent to apply a decrease in cash advance limit to my account. However, the agent had misinterpreted my request and thought I asked for a credit line increase, and went ahead to initiate a hard pull on my credit report, erroneously, and without my permission. This inquiry is currently showing up on my XXXX credit report. 
This action was unacceptable as ( 1 ) I did not request for a credit line increase, and ( 2 ) I did not authorized to have hard pull inquiry performed. I have since complained about it in a subsequent phone call and was told that the matter was escalated to a supervisor, and was promised a call back within 24 hours. So far, I have heard nothing. 
I am submitting this complaint to CFPB and requesting for an immediate resolution to this matter. I want Citi to ( 1 ) retract the hard pull inquiry so that it is removed from my XXXX credit report, ( 2 ) tender an apology and ( 3 ) apply courtesy points adjustment to my Citi Access More account, for the distress caused. 
Thank you in advance, and I look forward to receiving a resolution to this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX, 2016
I am a victim of identity theft and noticed a collection from FRANKLIN COLLECTION SERVICE. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against FRANKLIN COLLECTION SERVICE in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Hi, My name is XXXX XXXX, I have an account with XXXX XXXX XXXX XXXX. I have been disputing with them because on NUMEROUS Fees which I was never made aware of nor are they written any where. About 2 months ago I went through some financial hardship and my account Overdrew. I became very busy looking for a new job and did n't when until I began getting statements and constants calls from Chexsystems about owing them more than {$1000.00}. Whem I looked at my statements I was being charged redicoulus fees. I was allowed to continue using my card and for example, I spent {$1.00} in parking and they charged me {$180.00} as an over Draft fee and like that many more. I never agreed to such Bullying. Now I cant open an account in any other bank ( I have the letter ), my credit is being affected. I have to do everything in cash, which is almost impossible in this era, They are ruining me and bulling me by reporting me to such an agency and paralyzing my life financially. I am trying to buy a car to take my kids to school and me to work and I cant. I have been on public transportation due to this mess. I need this removed from my consumer report and resolve this issue immediately. Please Help Me. XXXX XXXX
I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off. We 've had to pay them off and renew multiple times and now I have found out they are n't even licensed in Oklahoma. They withdraw the funds from Oklahoma XXXX XXXX XXXX and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.
In XX/XX/XXXX of this year, TSI sent some paper work to the company that i work for and told them that i owe XXXX money from XX/XX/XXXX. The company that i work for contacted me and gave me there number. i talk to someone at TSi and was able to stop the garnishment. This is the second time that they have done this within two years to me. Nothing have shown up on credit report in ten years since I've been out the XXXX. I don't know how to prove it been payed for since the debt is so old. This company have been calling me leaving messages on my phone.
XXXX XXXX XXXX, of XXXX continues to harass our company over a disputed invoice that was settled years ago with a shipping company called XXXX. 

Although he was notified that the account was paid off, he ignores and constantly emails and calls to demand payment and proofs when the the burden of proof is on him or XXXX   or whomever hired him ( if he was even hired ). It is not clear if XXXX is double dipping on purpose as we no longer wish to do business with them but its on the collector to sort it out and stop the maddening practice. 

XXXX XXXX XXXX is aggressive, dismissive and abusive and should be reprimanded for his outrageous tactics and business practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Phone : XXXX Fax : XXXX
I recently had a rather unfortunate occurrence with my ex property manager   XXXX   XXXX  .
After little to no communication from her for months, I went to talk with her about a debt she filed mid month, and expected paid within two days for threat of penalty. The conversation went poorly and ended with her threatening to kick me out and telling me she wanted me out by the end of the month.
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My roommate at the time had already left, and signed a paper breaking the lease.
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I proceeded to move out and believed the situation to be done.
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Fast forward two months and I receive a letter from a debt collection for close to {$5000.00} dollars. She is claiming that I never presented proper two months notice and a few other charges. When I went to review the documents she presented to the collector I noticed she had conveniently left out the paper terminating our contract.
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I have attached below the two only two documents she filed.
( Notice she only filed against me ) So yeah, thats my super annoying problem.
I just want to be rid of this.
I want to go to college and learn in peace.
I am XXXX resident. My credit card is fraudulently used for booking airticket booking in XXXX XXXX  on XX/XX/XXXX for XXXX USD. Immediately I got a email message I complained to my bank in XXXX within 10 minutes. They reversed the transaction and issued new card. After chargeback and dispute resolution they reversed the amount and now claiming the amount. Merchant no. XXXX merchant sic. XXXX. XXXX called as XXXX XXXX is travelled with booking XXXX in flight XXXXXX/XX/XXXX XXXX-XXXX. As I have disclosed any card details to anybody and I was in my county I.e XXXX. XXXX and their bank not cross verified XXXX card details during travel. Please ask the company to refund this money and catch this fradulant person. As a citizen I informed my bank in 10 minutes and later informed XXXX XXXX.
Unsolicited XXXX credit card sent by IMCA Capital. They appear to be trolling for new accounts. This card I do not need and did not request.
This debt was with XXXX XXXX I had XX/XX/XXXX. I became XXXX and lost my job so I could no longer pay this account. My bill was {$280.00}. I pulled my credit report bacause I want to try and fix what I can. I saw this account was sold to Diversified Consultants and now they reported that I opened this account XX/XX/XXXX which is false and that I owe them {$460.00}. It also resets the clock on this old debt and will stay on my credit report for another 7 years. This is wrong and affects me terribly.
XXXX XXXX, XXXX To the Consumer Financial Protection Bureau. 

I have a complaint and believe that I a.m. not being treated fairly by VW credit. 

In summary, a XXXX XXXX that I recently leased was not placed on auto pay at the time of purchase on XX/XX/XXXXat XXXX XXXX XXXX XXXX XXXX as I had been promised. 

XXXX XXXX XXXX VIN : XXXX Account Number : I was led to believe that placing the vehicle on auto pay would decrease my monthly lease payments XXXX XXXX XXXX XXXX XXXX. 

I was initially made aware that this was not the case 37 days following my purchase on XXXX XXXX, XXXX. I made an online payment at that time of {$830.00}. 

I called XXXX XXXX XXXX, XXXX to remedy this. 

Obviously this was not remedied given that I was again notified on XXXX XXXX, XXXX that a payment was overdue. At that time I made an immediate payment of {$1200.00}. Unfortunately this payment was approximately 34 days past the due date and reported to my credit union. I again asked as to why Autopay had never been initiated and was told, for the 1st time, that they had no longer initiated such for the last year. I was never told this. 

This was not the case for the other 5 XXXX that I have previously and concurrently leased, which were all on Autopay. 

I would ask that this negative report be removed given that it was not completed at the dealership as promised. I have never had this problem with 3 prior purchases at this dealership and 2 additional purchases at other VW dealerships. I have made well over 200 lease payments to VW over the past years with no late payments. 
Previous leased VWs on auto pay XXXX XXXX XXXX XXXX ) XXXX XXXX ... XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Type : Lease Account Type : Lease Account Type : Lease Auto pay Auto pay Auto pay Current leased VWs on auto pay XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX VIN:XXXX VINXXXX Account Type : Lease Account Type : Lease Total Amount Due : {$250.00} Total Amount Due : {$250.00} Due Date : XXXX XXXX, XXXX Due Date : XXXX XXXX, XXXX Autopay Autopay I made an initial inquiry to VW credit on XXXX XXXX, XXXX with minimal to no help. 

I made a 2nd inquiry to VW credit on XXXX XXXX, XXXX which was ignored. 


I appreciate your help with this.
XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/XXXX Dear TransUnion/ XXXX/ XXXX : Please have the fraudulent account ( XXXX XXXX XXXX XXXX ) removed ; XXXX has removed it and it has been reported to the FTC. Also, the inquiries on my credit report, which I did not authorize need to be removed as well. <P/>Also, I contacted TransUnion/ XXXX  XX/XX/XXXX. <P/><P/><P/>Sincerely, XXXX XXXX ( XXXX ) XXXX
There is an account that Experian has listed which is unknown and not able to be validated as I have tried several times. I want this remove it is violating my rights XXXX XXXX XXXX # XXXX
I received a promotional offer to receive XXXX AAdvantage bonus miles after opening a new consumer checking account in the Citigold Account Package and completing the qualifying activities. The requirements were to make {$1000.00} in qualifying debit card purchases and 1 or more qualifying bill payments for 2 consecutive calendar months within 60 days of opening the Citigold checking account. 
I completed every requirement stipulated to receive the promotional XXXX AAdvantage bonus miles : opened the qualifying Citigold checking account before XXXX/XXXX/XXXX, made {$1000.00} of qualifying debit card purchases, posted, within 60 days of opening account, and made 1 qualifying bill payment, posted, each month for two consecutive calendar months. 
The XXXX AAdvantage bonus miles were to be posted within 90 days from the statement period in which I completed all the promotional offer requirements. 
I contacted Citi via their online chatting system on XXXX XXXX, XXXX to confirm my enrollment in the promotional offer, which was confirmed, and I have copy/printout of the online chat as supporting evidence. I contacted Citi again, via their online chat system, on XXXX XXXX, XXXX to confirm I had met all the promotional requirements, and again they confirmed that I did. I also have a copy/printout of this conversation as affirmation. 
I made several inquiries both via online chat and phone calls after the 90 day period had passed for Citi to post the XXXX miles to my account. After numerous ( 5-10 ) inquiries and ~2.5 months later, Citi finally responded with a letter informing me I will not be receiving the XXXX AAdvantage bonus miles. 
How can I, as a consumer and a client, put faith or trust into Citibank, a major financial banking institution when they create and market promotional offers and then do not honor on the bonus reward after. I am past frustrated and beyond disappointed. When Citibank failed to honor the promotional reward miles, they morally, ethically, and professionally breached an agreement. Bad business practices and breached agreements have lead me to you, Bureau of Consumer Financial Protection. If my personal issue can not be addressed, please prevent the bad business practices of Citi to affecting others.