WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX ERC a letter on XXXX/XXXX/XXXX to send me proof that the account was mines back in XXXX. I waited the customary 31 days they marked it disputed on my credit and I sent them another letter XXXX/XXXX/XXXX asking ERC to send my the contract with my signature on it verifying that it was XXXX & they replied by sending me a letter back without verifying my signature along with wrong & misspelled last name. They still refuse to remove that debt off of my Credit Report after I informed them that this is not mines.
I, along with 143 million other American consumers, was affected by the Equifax cyber-security breach. I am beyond furious. This means that the people responsible have my Social Security number, address, and all of my personal information. Now, and for the rest of my life, I am at risk of identity theft. Worse still, I never even had a choice in whether or not my information was indexed by Equifax. As a human being, I am in their system whether I want to be, or not. As if the system of credit, i.e., a faceless entity deciding whether or not I have financial freedom, was not corrupt enough! The system is horrendous to begin with, and now it 's been compromised. Consumers are helpless. Consumers are angry. And consumers will no longer stand idly by while we are made to suffer.
Called to have the bankruptcy removed from all three reports it should have been removed after one year it's been 2 years and it's effecting me negatively.
I live in XXXX, GA. I Tried to establish new Power service, and XXXX XXXX  could not check my credit with Equifax, they thought I had a frozen or block account, I called Equifax customer service XXXX 3 different agents they said I don't exist with Equifax, they don't have a file or any records, they told me to call my lenders and ask them to start reporting to Equifax, I did that called 3 different lenders and asked them if they could start reporting to Equifax, they told me that they do report automatically every month to all 3 Bureau credit agencies. so I called them back still get not help at all. interesting thing is I get a monitored credit check with XXXX by XXXX and they provided me my 3 scores every month, from XXXX, XXXX and Equifax, but no body from Equifax seems to care or neither know what to do.
XXXX   XXXX     2017,  My mortgage company I am working with, sent over a rescore of my credit after paying off all my credit cards.      XXXX   XXXX ,    2017, m y report came back that my current, credit cards were updated with a  XXXX  balance but at this point when  XXXX   XXXX  updated my account to a  XXXX  balance ( I was not behind before this ) they put on my credit report that I was   XXXX    day delinquent. Which stopped my mortgage process and I lost my chances at the house I was about to put a contract one.     I contacted back my mortgage company and she stated that I had to contact the CC company directly to ask them to up date the process. I went through an   XXXX   XXXX   XXXX   so I was n't able to call right away.       XX/XX/XXXX   contacted  XXXX   XXXX  to open an investigation for incorrectly posting to my credit report that I was  XXXX  days behind. The cust service woman who spoke with me told me that it would tak e 10 b usiness days for the investigation to be completed.       XX/XX/XXXX   I called  XXXX   XXXX  back as I had not received a letter or call back. The woman who answered the phone stated it would take  60+ d ays for the investigation and that I would just need to wait. I was transferred to a Sup,  XXXX , and he stated that he would check on my dispute. However, nothing has been done with the dispute. He stated that he would be escalated it higher. However this will still not be completed in time as he stated it would s  till be 60-90 days before my credit report.
In the mean time my application for my first h  ome will have been declined due to  XXXX   XXXX  negligence. I am a single mother and need a safe clean place to live. I need this resolved immediately.
PayPal put an account limitation on my account XXXX  days ago and I submitted the required documents so they removed it for less than XXXX hours and put another one on my account which again I submitted the required documents for them to remove it and XXXX  days later my account is still limited and I am no able to use my money that I have in PayPal or anything. I am XXXX and I explained this to them and I feel they are discriminating against me due to my XXXX.
This is a follow up to my initial complaint about Convergent Outsourcing. I actually spoke with a representative today regarding the account that is in accurately reporting on my current report. Upon speaking with the representative she gave me information on two separate accounts they have in their office - One is from a XXXX XXXX XXXX  address and is from an alleged debt, dating from XXXX and the other is XXXX XXXX XXXX ( XXXX ) The representative stated that they sent a final bill to my home as validation, which in fact is not proof a debt. I explained to her that I was actually a victim of fraud in the past as well and neither of the debts belong to me. On top of it, the statute of limitations for debt collection has run out on the one debt that they are trying to collect ( XXXX ). 

I would appreciate it if these debts are removed from my credit report as a copy of a final bill is not validation and not proof that the debt is mine and that they can collect the debt, along with the fact that the debt is over 9 years old.
I graduated in XXXX of 2015 with a {$32000.00} loan. I 've been paying {$400.00} a month for the last 2 years and my balance is still {$30000.00}. How is it that I payed more than {$9600.00} thus far and my balance only went down a couple of thousand??
On XXXX XXXX, XXXX, I signed a Home Equity with Bank of America. In XXXX, I filed a bankruptcy and I had to give my copies of my documents to the Federal Court in XXXX XXXX. Bank of America sent me a letter that my plan would change according to the documents, but I do not have my copy because I handed it to the Federal Court. Bank of America first sent a fax and it was unreadable. I called Bank of America XXXX XXXX, XXXX asking for a document that I could be able to read and they sent me would, but without my signature. Without my signature I do n't have proof that it was the original document. I also called on XXXX and XXXX to request a readable paper with my signature. so far Bank of America has mailed me documents that are impossible to read. their phone number that I made contact with is XXXX. I would like to know what are my rights. Borrower : XXXX XXXX XXXX, XXXX : XXXX, XXXX : XXXX
On XX/XX/2018 XXXX of our our mortgage loans transferred to a new company ( specialized loan servicing ) that had purchased our mortgage without us being aware. We paid XX/XX/XXXX and XX/XX/XXXX payments to the old company. On about XX/XX/XXXX the new company locked us out of our house and changed the utilities. They placed a sticker on the inside window of the house stating they had changed the locks and shut off the utility. When I called the phone number on the sticker they refused to give me the mortgage companies name/phone number. My wife called the mortgage co and they refused to give us access to the house till we paid XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX payments on both houses, even though we had already paid. They never filed any legal processes or gave any notices. To this day, almost a month later they still have not given us a key to the house and have placed 60 day late notices on my credit report even though we are current, and even got refund checks from the prior mortgage company. 

They illegally locked us out, they illegally entered our house, they illegally shut off our utilities and opend up water lines causing water leaks in the house, they illegally put marks on my credit report for 2 mortgages and when I call them they refuse to fix it.
My loan servicer is Navient but I get multiple calls a day from XXXX XXXX XXXX leaving voice mails about my student loans. I used to answer and the person I spoke to said they have no affiliation with XXXX XXXX XXXX, they even checked with a supervisor. My guess is that Navient is disguising their phone number and using a XXXX XXXX XXXX number? I'm sure I am not the only person they are trying to deceive. Or is this a scammer phone number trying to get money out of me? I told them I do not have any business with XXXX XXXX XXXX and I will not discuss any of my details with them, yet they call multiple times a day and have filled up my voice mail box on my cell phone. I am at work and my cell phone is constantly ringing from XXXX XXXX XXXX XXXX.
I am investigating a fraudulent account on my Equifax credit report the account is listed under XXXX XXXX Acct # XXXX Equifax has claimed they investigated this on my behalf and have come back that the account is verified and accurate. Today XX/XX/19 I spoke with the company using the number provided and was told that they do not have record of this account in their system at all. I want to know how did Equifax verify this debt if the company itself can not verify it cause it does not exist.
I would like to have my old account that I no longer used and have already paid {$370.00} to XXXX XXXX years ago in order To unlock from XXXX XXXX so I can used XXXX XXXX. XXXX XXXX will not activate any phone that is not paid off or unlock. As of today I am still using the same XXXX XXXX phones with XXXX XXXX. Please have this {$370.00} item remove from my credit report.
I initially had my loan with  XXXX   XXXX  and applied for and was accepted into an income-based plan.  XXXX   XXXX  spun-off federal loans to  XXXX , which then became my provider. I applied for public student loan forgiveness certification, whereupon my loans were transferred to FedLoan Servicing. I neither asked for nor consented to any forbearance, because I wanted as many months as possible to count towards my PSLF.   XXXX  However, they placed me into forbearance, and immediately notified me that my interest would be capitalized  ( it had not been capitalized because of the income based repayment plan ), upon the  end of the forbearance.   XXXX  Thus , FedLoan is impr operly profiting from capitalization of interest and fraudulently does so based upon unilaterally placing loans into forbearance.
JP Morgan Chase closed my checking account and is holding {$15000.00} in a suspense account. I have reached out to their loss prevention team and they told me that those funds can be held up to 3 years. Not sure what will happen after that. Please help in resolving this and getting funds returned back to the account holder.
I paid debt in full to XXXX in XXXX 2014. I asked to make sure, was there any paperwork or anything I needed to sign, etc. To finalize everything. She said no. I went on my way and was never contacted about a " debt '' until about two months ago when I filed a dispute after realizing it was, for some reason, on my acct as a debt. I have contacted the current apartment manager, XXXX XXXX, who says they have misplaced my records and they never got filed but that she knows I paid it. I have filed dispute with the company and it has been denied
keep getting letters from this company for services at  XXXX   XXXX   XXXX
I have disputed many times inquires on XXXX, XXXX and Experian that were not mine. They keep sending back that the inquires are accurate and they are not! I do not know what else to do.
To Whom It May Concern : I opened a Citigold account with Citibank in XXXX XXXX after receiving offer code XXXX in the mail for XXXX Thank You Points to be awarded after making two bill payments in two consecutive months. I was notified on XXXX/XXXX/XXXX that I was qualified and enrolled in the offer ( correspondence attached ). I contacted Citibank on XXXX/XXXX/XXXX, several months after meeting the requirements, because I had not yet received my Thank You Points. The customer service representative quoted another promotion, XXXX, for XXXX Thank You Points ( correspondence attached ). An inquiry was opened to determine whether I qualified for either promotion. I followed up again on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX and was told the investigation was ongoing ( correspondence attached ). Finally, on XXXX/XXXX/XXXX I contacted Citi for a final time and was told that a letter was sent electronically on XXXX/XXXX/XXXX that I did not qualify for the offer. I did not receive a copy of this, despite checking online per the customer service representative ( correspondence attached ). A notification was never received by me. 

I want to thank the CFPB for representing customers in this unfortunate situation. Citibank has been incredibly disappointing, and I do not intend to continue doing business with them unless this can be resolved.
On XX/XX/XXXX, I placed a call to American Express Card company about an inflated balance that I noticed on my card. 
I spent a long time on the phone discussing this matter, but I noticed that the customer service agents were trying to mislead me so that they can hide the true information which was that their system incorrectly inflated my balance to reflect a higher amount than should be. 

I asked them to add the sum of all the charges during the billing period, they could not amount to this, XXXX, XXXX USD balance that was shown. 
All of a sudden, the agent began to tell me that she could not hear me that the line was fading in and out. 
So I told her to give me a call back because the issue might be coming from their end. 
She said that is fine that she would call but she never did. 

Next, I called again after waiting for several minutes and the next agent began this process again, wasting my time for over an hour and still she would not help resolve this issue. She kept claiming that there is a rollover balance. I do not know how a balance rolls over without any record of charges backing it up. 

All other charges are shown and evident but a certain amount had been exfiltrated and this has doubled my balance. 

Kindly help. This card company has been so unfair to me. 
They do not extend any help to me or allow temporary increases in limit to meet an emergency. They use all forms of tactics to deny me such privileges that other people receive. 

I told one of them today that I believe that they are discriminating against me and it seems that they are retaliating because I have reported them before. Of-course, they deny it but I sense it in the way they interact with me on the Gold Rewards card team. 

At this time, I wish to report that this company needs to provide evidence to me how the money left my account. 

Secondly, there is a change to the Gold Card which I have, the card is being redesigned, that is fine, but the problem is that it appears that I would have to start paying 3 times the current annual fees from next XXXX! 
I can not do that and I do not want them to be able to do that. 
When I got my card, I was told I have to pay a lower amount in annual fee.
Phone calls every hour from the same number attempting to collect a {$60.00} fee - which is a late fee on a contested late fee.
The company refuses to send a legally binding contract/agreement. This is a fraudulent account and they are not providing me with any proof.
I am now getting another wage garnishment order from a different company than before and I am at my wits end. I work very hard and understand I need to repay my debts but I can not live like this. I am looking in debt consolidation but I feel so overwhelmed and I do n't know what 's a scam and what 's not anymore. It should n't be this difficult to fix your finances or save money. I do n't believe it 's fair that no matter how hard I try or work all my money is being taken out of my pay checks. My school was shut down by the government ( XXXX ) and I was n't able to finish yet i am still on the hook for thousands of dollars i ca n't pay back fast enough. When my school is not even around any longer & I was unable to graduate. This is not fair. Please help me.
I made an into APR purchase on the XXXX XXXX credit card they offered me on XX/XX/XXXX of {$2100.00}. I was offered 12 months interest free on this amount. Due to a sizing issue I had to return the original purchase and make the same purchase just for a smaller size. The representative I worked with assured me that nothing would change on my billing, this was done on XX/XX/XXXX. As of XX/XX/XXXX I was charged my first interest fee on my card. I was unable to at the time check my online account because XXXX XXXX was in the process of switching lendor institutions therefore for about 5 months XX/XX/XXXX-XX/XX/XXXX I was unable to view my account online because XXXX had not sent me my new card information in the mail and would not tell me my information over the phone even though I provided my correct credentials. I called on three different occasions to try to get information about when I might receive my card in the mail, they said it should already be there, I had to request they send it out three different times. Every time I called I also tried to get my account information over the phone and they said they could not provide anything or let me make a payment. Unable to log in online I was also unable to pay my balance due to this for about 3 months XX/XX/XXXX-XX/XX/XXXX they ended up calling to collect my payments missed and owed on XX/XX/17 I then paid {$300.00} for the missed months due to being unable to access anything about my account. I now have the new card and have set up my online account again and am now seeing multiple interest charges each month I make payments and am very upset that I am being charged these due to no fault of mine in missing the payments. As well as apparently my intro APR purchase has seemed to have been cancelled and they are just charging me a regular amount with APR and everything this also due to no fault of mine and assurance that nothing would change on my bill. To date I have been charged over {$260.00} in interest and see no end as they are charging me twice each month I pay my principal charge.
Please have lates removed from XXXX 2010 XXXX XXXX account. Account was under bankruptcy at time of reporting.
Regarding account XXXX, reported by XXXX XXXX as the listed creditor to TransUnion LLC XXXX 
I spoke with the reporting creditor employee # XXXX XXXX/XXXX/2015 XXXX, and specialist # XXXX XXXX/XXXX/2015 XXXX in recorded and saved phone calls requesting them to verify and send copies of the information they 're reporting to the CRA. XXXX XXXX XXXX representatives stated they have no records of this account and could not supply any information on what was being reported because it was created by a different lender that no longer services. XXXX XXXX has stated they are not the original creditor but is reporting as such. Account is missing in all variations on annual reports pulled XXXX and prior but is reporting an open date XX/XX/XXXX. The alleged debt buyer identified by XXXX XXXX has made no claims to the account, nor has it sent any records of validation to justify the reported balance. TransUnion verified all account information with the reporting creditor despite admitted missing records, and has not complied with dispute requests to remove or XXXX ( a ) ( XXXX ) requests to disclose THE method of verification used for this particular account, only a general statement of various possible methods with vague and unspecified procedures. Actions are FCRA XXXX violations.
Citibank abruptly ( and without notice ) closed all my credit card accounts and confiscated more than 700k rewards points that I have accumulated from legitimate spends on the accounts for many years. I had been a customer for many years with no negative/late payment history and I have not done anything that is not legal nor abusing the system.
XXXX XXXX XXXX Fraud dispute information I noticed on my credit card online statement that a charge was put through that I did not put authorize. I called the bank immediately and told them that this was not my charge and this was a fraudulent charge. According to my direction the bank shut down that card and sent me a new one and informed me that they were filing a dispute and for me to look for documents in the mail from them in 7 to 10 days. When the documents never came in the mail I called them and was told that they didnt send out the dispute forms till the XX/XX/XXXX. This didnt sound right to me because I originally called them on the XX/XX/XXXX the same day the fraudulent charge appeared. I waited the 10 days and never received any documentation from them at this time. I was approximately 3 weeks out from the original call and still getting nowhere. I did have frequent conversations with the card company during this whole time. I called the direct line for the dispute department XX/XX/XXXX at that time and they told me there was no record of any dispute being filed. I was surprised to hear this because I had been on the phone many times with the credit card company over this and all the while they would assure me that they were taking care of this for me. No resolution so far and there is still a {$9200.00} charge on my credit card that I didnt put on the card. The lady from the dispute department that I called today XX/XX/XXXX assured me that she would file the dispute and that I should get a letter in 7-10 days. I have lost faith in this company because I have gotten the run around so many times. Here is a listing of the fraudulent charge and the dates and times spent on the phone with the credit card company ( enclosed document ). My credit rating was up around 800 before this happened and it took many years to get it to that level, now to be blown away by something I didnt do and a company that didnt seem to care about filing the paperwork or doing their job.
XXXX/Resurgent have failed to provide me with all the information I have requested from them to validate the debt, this has been going on for 2 years or more. I have disputed the amount because I was not under contract any with XXXX, my monthly bills do not add up to {$1600.00}. I have requested a detailed summary of the amount they claim is owed, not just a paper stating that I owe the amount. I want a complete statement of the all charges they are claiming I owe and they have failed to do so numerous times. 

They have this reported to the credit reporting companies and I have disputed with them as well and everyone fails to investigate correctly.
I am one of the people impacted by the Equifax hack. The scale of this breach in trust and law is absolutely unacceptable. There should have been adequate safeguards put in place by law more than a decade ago. This incident only serves to highlight the urgent need for more stringent security requirements. Or any decent security requirements in the first place.
hi I was part of customers who had accounts opened without me knowing and as a result I got charged close to {$150.00} worth of fees for 2 years and half well my complaint was submitted and wells fargo attempted to settle the matter through the mediation but during mediation process the mediator didn t give me a chance to resolve the problem in my favor but decided to side with wells fargo because they are paying and hired by wells fargo so it was a big set up from the beginning
I 'm a victim of identity theft. There 's a fraudulent and unauthorized hard inquiry listed on my Equifax and XXXX credit report. The following hard inquiry is fraudulent, unauthorized and do n't belong to me : XXXX, XX/XX/2017
This account is for identity theft or maybe they are confusing my name I need if they can help me and I write to the credit bureaus they talk to me but they did not want to help me
I signed for a student loan, for my son, through Navient and the terms were deceptive. I was led to believe that the loan was a simple 3.75 % interest and Navient is claimiming that it 's a variable interest loan compounded daily. 
On an {$1800.00}. Loan i will be paying XXXX. + dollars. This to me is a predatory interest rate! 
No wonder our children need our help & feel so cynical about their futures.
XX/XX/2018 sent out an itemized bill with services listed, violated HIPAA laws Debt for {$430.00}