WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2017, I signed a dispute letters and mailed them to all XXXX credit bureaus.
In the letters, I asked for my name to be correctly reported. I enclosed both my ID and Social security card. I also disputed my personal information online. I received results from Transunion on XXXX/XXXX/17 stating my name was updated. However it was still Incorrect.
My Name is : XXXX XXXX XXXX They have me listed as XXXX XXXX. That is not my name.
on XX/XX/18 I booked a hotel room with XXXX for 2 nights, I called to cancel the reservation and was given the run around by XXXX. I was told by a representative at XXXX that I had to call the hotel. I was unable to reach the hotel. I called XXXX back and was promised by the person on the phone that it would be canceled. When the charge was not refunded I disputed the charge with my credit card company and it was investigated. I received notice that the dispute was closed in my favor and the temporary credit would now be permanent. a few months later on I got a letter saying my discover card was being recharged the amount of {$220.00} because the merchant, XXXX sent them documentation based on the fact that I did not call to cancel. I have attached this documentation and it is illegible. I disputed again and yesterday I was notified that the charge was found valid. If I had not called and done a no show the XXXX terms state I would be charged 1 night and tax. i am being charged the full 2 nights which goes against the terms.
Back in XX/XX/XXXX I had a checking and a savings account with 5/3 bank. I had the checking account set up to automatically send a check out each month to pay a regular bill ( home owner 's association ). I would receive the rent check ( from the people renting ) and deposit it into this account each month to cover the mortgage and association. I had to move out and rented it out to try and keep it when I had no income and had to file a bankruptcy. Well when the rent was late one month, 5/3 still sent a check from my account when there were no funds to cover it without my knowledge. I still had XXXX sitting in the savings account with 5/3. I was never notified of anything and because I was n't receiving rent, I was n't using 5/3. Cut to XX/XX/XXXX when I was working in the mortgage dept of a credit union as a temp. When they offered me a job and i had to go through all of the hiring process. This is the first knowledge I had that 5/3 had submitted my name as someone who writes fraudulent checks to XXXX and then sells the " debt '' ( for a check I did n't write! ). For years now, I not only receive nasty phone calls and threats but they call people in my family and hound them and tell them they are filing charges against me to try to scare them. It is absolutely disgusting! I called and called and went into fifth third, to try and rectify this at the time that I found out about it. Needless to say that when I was desperate for a job, I was not hire-able and lost my job! I only got the run around from fifth third, every location told me to try a different number/ office and absolutely no one in the company could tell me how to escalate anything. It was an absolute nightmare! And it goes on and on! Even if i paid one of these people harassing me, I am told the only way it will ever be removed from XXXX is by fifth third and they will not do it because they do not own the debt anymore. Every time this debt is sold to someone else and they make a query on it, it renews for another 5 years!!!! These people will never stop harassing me and my family. I even filed a complaint with the BBB ( which is a joke ) and they did n't even bother contacting them!
I had a high interest XXXX loan for years with a high balance. A couple of years ago Springleaf Financial took over the loan. I finally paid the loan in full XX/XX/2015. I checked the statements for a couple of months to make sure the balance was truly XXXX. Since I did n't use the account I did not keep checking the statements after that. Because I always have a balance in the thousands I never realized I was being accessed an annual {$50.00} fee on top of the high interest rates. So in XX/XX/XXXX they accessed an annual {$50.00} fee I did n't look at my statements because I expected the balance to still be XXXX. When it did n't get paid they reported it as " over 30 '' to all XXXX credit bureaus. 

I did n't know there was an issue until I tried to finance a car and my credit score had dropped XXXX points! I called that day and paid the balance and closed the account. I then called customer service and at their urging I wrote to their complaint department and when that did n't work I even tried writing to the CEO of Springleaf and all rejected my requests to have the harmful information removed from my record. 

I understand that legally they reported accurate information. However, it was a ridiculous honest mistake and I feel they should give a long term client the benefit of the doubt.
I have been trying to close my Savings Money Market account for almost three weeks. There were pending transactions. I had to call Capital One Bank 4 times, every three days to close my account. 

After two weeks of request to close my account, the account was finally closed and a final check was cut for the balance remaining in the account ( {$50000.00} ). 

I patiently waited for the check to arrive, deposited the check into my personal savings account in another institution, and waited for seven days for the check to clear. 

Today, XX/XX/2018, I received notification that the final check issued by Capital One Bank was denied/rejected by Capital One for no reason. 

I immediately called and spoke to a manager in the customer service department and was not provided a reason or an explanation for Capital One Banks actions. I was not provided with an expected date of resolution. I was not provided with any options for resolution. 

In the meantime, I do not have access to over {$50000.00} of my money, am loosing potential interest my money can be earning, owe {$34.00} for a return check and {$34.00} for insufficient funds in my account. 

All this negative impact has occurred to no fault of my own, but Capital One Bank. 

I still do not have a resolution and would be greatful for any help your organization can provide.
Trans Union is not responding to my requests to investigate and remove XXXX accounts from my credit report that do not belong to me.
A banking error/fee problem exists with legally established guardianship account, I am the legally appointed guardian on said account. Unknown to me, on or about XX/XX/XXXX, the banking institution decided to place a block on the account, preventing account transactions. The banking institution is already aware that the individual listed on the account ( XXXX XXXX XXXX ) has passed on XX/XX/XXXX. On or about, XX/XX/XXXX, a monthly pension payment was deposited in the aforementioned account. The union has attempted to recoup this payment made by mistake to this account, however, has been unsuccessful due to the block placed on the account. On or about, XX/XX/XXXX, the banking institution has started charging a $ XXXX   monthly fee based on minimum balance requirements not being met. Be advised, that since the primary account holder has been deceased that this amount needs to be refunded. Further, service charges should not post to the account.
I signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called XXXX ( XXXX ). This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( Transunion, Equifax, Experian ). I am not sure how the credit bureaus verify this when XXXX is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both XXXX and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/2008 while showing a document of XXXX sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE XXXX EDUCATION, SECTION XXXX - Discharge for false certification of student eligibility or unauthorized payment.
I had four items coming out of my checking account within 3-4 days of each other. One withdraw was for a automatic payment to my overdraft account for {$25.00} dated XX/XX/XXXX. Two withdraws were for {$180.00} and one withdraw at ATM for {$60.00} dated XX/XX/XXXXTwo of the other withdraws were for XX/XX/XXXX at {$25.00} a piece. One larger one for {$400.00} was dated for XX/XX/XXXX.At the time there was {$100.00}  left in account on XX/XX/XXXX and {$88.00} in OD account, plus a upcoming payroll deposit of {$460.00} dated XX/XX/XXXX.The checking account was debited the {$400.00} amount first causing the other debits to come up short and causing 4 - {$36.00} OD fee charges. Then within two days of this incident a payment for {$45.00} was withdrawn, and I was charged for {$36.00} for a NSF fee. 
When I contacted the bank they had no viable information on how this happened or why it happened. 
During this time I had to scramble to borrow money from family members to cover shortage and extra fees that would be accruing. The bank charges {$36.00} OD or NSF fees plus {$7.00} a day for four days after transaction. This would have wiped out my upcoming pay period not to say that I was short half a payday for the next three weeks paying back my relatives.
After sending information to verify myself with my disputes, XXXX, Experian, & XXXX have not investigated or responded to disputes on my credit report. They have violated the FCRA 30-day-to-respond regulation.
XXXX XXXX has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA By my request XXXX XXXX is required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I have sent letters and have not received any responses with what I have requested.
I built a home and was set to close on XX/XX/XXXX. As I was walking into the attorney 's office I received a call from XXXX stating they just ran my credit and we had an issue. It is reporting that I have a mortgage that is in charge off status. I do not now and never had a mortgage. 
XXXX was able to speak with the creditors and verify the info as being incorrect. Problem solved with XXXX. Equifax on the other hand. No so receptive. I've made multiple disputes we with Equifax. I had a Mobile home loan opened in XXXX with XXXX XXXX XXXX XXXX. Which is a personal consumer installment loan. I received a Title with a Vin number. I did not have a closing. I have since built another home which I am scheduled to on XX/XX/XXXX. Again when my credit file is pulled. Equifax is still reporting it as a mortgage. Causing my to be denied. I was homeless for 2 weeks following the first accurence. I spoke with a supervisor @ XXXX XXXXl ( Mr. XXXX XXXX XXXX XXXX ext. XXXX ) He is requesting that Equifax contacts him. Equifax is requesting XXXX XXXX to contact them. In the last 2 months I have contacted both @ least 15 times. Now when I call XXXX XXXX the counselor from the recovery that is assigned to my case refuses to help and keeps asking me " When do you plan on paying this? '' I have requested multiple times to not speak to her but keep sending it to her I need help A.S.A.P or I will be homeless once again.
XXXX charge off account is being reported incorrectly on my Credit ReportI called XXXX and they were not able to provide me information on this account
On XXXX XXXX 2017 around XXXX to XXXX I visited the ATM machine at Chase Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX. I deposited cash into the machine in three separate stacks because I knew the machine could n't handle so many bills at one time. The first stack was counted and then the second stack of bills was counted. When I hit add more cash for the third stack of bills and I inserted the remaining bills I had which were all in the form of {$1.00} the machine continued to count for a few minutes before it completely stopped with an error message and printed out a receipt saying to call the XXXX number. I called the number and informed them I inserted between $ XXXX in the machine and they asked me about certain codes located on the receipt. Chase gave me a temporary credit and told me they would investigate. On XXXX XXXX 2017 I received an email stating : " We 've thoroughly researched your dispute and wanted to thank you for providing your information. We decided the account transactions you reported on XXXX/2017 were correct. We will reverse the temporary credit of {$400.00} on XXXX/2017. '' This email did not make sense to me so I figured I 'd just wait it out and see what happens. On XXXX XXXX 2017 the credit was reversed and the {$400.00} was taken from my account. I called Chase and spoke to customer claims and they stated that the machine was opened twice and there was no extra cash in the machine and there was nothing that Chase could do to help me. I stated that the ATM has camera 's that can see me making a deposit and the Rep. said they can only prove that I was there but not prove I was making a deposit. When asked who opens the ATM 's to inspect the extra cash the representative stated that the branch manager as well as the techs inspect the inside of the machine. I immediately called the branch manager who said that was false information. I am very upset as this is complete fraud. I am a XXXX year old XXXX XXXX who works 50+ hours XXXX XXXXXXXX XXXX XXXX in order to make ends meet. I never thought I would be a victim to a bank. There 's no other way to prove what happened other than the ATM camera 's and the codes I gave the claims representative on the night of the incident.
I was recently XXXX and was unable to make a payment on my home equity line of credit. I am on a fixed income ( social security and pension ) that are directly deposited monthly to my KeyBank checking account. Not only am I a low-to-moderate income person with health issues that prohibit me from easily going to a local branch office, but I also live in a low-to-moderate income census tract in the City of XXXX, and have been XXXX over the last several months, and want to in good faith pay my bills. I have been a long time customer of KeyBank of over 35 years. KeyBank is assessing multiple fee charges ( {$38.00} x XXXX charges on XX/XX/2016, {$38.00} charge on XX/XX/XXXX, {$38.00} on XXXX XXXX, {$38.00} x XXXX charges XX/XX/2016, plus {$28.00} in reoccurring overdraft charge XX/XX/2016 ) and is not willing to waive any of these fees because I was in XXXX and unable to deposit my rental income checks. Even though my social security and pension are being deposited, KeyBank is taking the money to cover the multiple fee charges. Without waiving the fees that accumulated to over {$500.00} this prohibited me in making my l other line of credit payments with KeyBank. Their inability to work with me is causing additional negative impacts. I have monthly income to work with and KeyBank is compounding the situation by not working with me even though I have monthly steady income and want to pay my bills. Although I attempted to work with the Branch Office on XXXX XXXX XXXX XXXX multiple times, they do n't want to take the time to work with me and relate to my issue. I need assistance restructure payments and waiving fees so I can get back on track. This is simply causing me to be behind on a monthly basis and I ca n't get ahead. HELOC Installment Loan/Line of Credit Account Number : XXXX
There are too many dates to document however here are a few XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/XXXX, on and on. In addition they have called my ex-husband, my daughter, one of my sons and a sister. I have repeatedly asked them to tell me who they are, who the collector is, and asked them not to call me and my family. They refuse to divulge any information until an address is verified and they get the last 4 numbers of my SS number. I am not comfortable with this due to having my identity " stolen '' through health insurance company, XXXX breach and IRS breach. 
I decided to finally give the info and attempt to work out an agreement. It was a male caller with a XXXX name that I unfortunately did not write down. I gave him a bit of push back regarding my SS # but then gave it. He spoke so fast I could barely follow his script. He was aggressive and harassing in his manner and statements. Repeatedly saying " this is a breach of contract '' I told him I fully understood what this was and he had made the statement 6x and to please stop because it was completely unnecessary and harassing. I asked him if I could just set up a payment arrangement or did he have to send me paperwork. He again spoke so fast I could not follow and again began with harassing statements. I told him I was about to hang up and I didn't want to speak to him. He told me to hold on and he would get a supervisor on the line. I held on for several minutes and he kept coming back saying hold on. I told him I was about to hang up. He again started with his script and I hung up. I called back to get the company name and address and was hung up and disconnected. It took two additional calls to get the information.
A dispute was filed for a transaction made on XXXX, XXXX, XXXX. The merchant agreed to sell me the item in the amount of XXXX, refunded the difference back to the card. However, I was sent the incorrect model number. I ordered a XXXX Watch, I was sent the correct brand but incorrect model number watch. The item was returned, a return authorization number was provided, XXXX. The tracking number is XXXX, it was received on XXXX, signed for by a XXXX. I spoke with a XXXX at XXXX, she tried to say that the item returned is not one they sell and will be returned back to me. I 've seen the item advertised on their site before, however, it was sometime ago. Needles to say, they lied about not selling it. I further stated that the item will be refused back once received. I advised reps at Chase in the dispute resolution department of this, spoke with several of them yesterday on XXXX, they insist the company be allowed fifteen calendar days to refund. I tried to explain to them that merchant will not refund as they are claiming the item is not one they sell, which again, is a lie. The amount, XXXX is quite a lot, it is currently in dispute status. However, I do not believe the 15 day wait is necessary, considering the information I provided from merchant.
Ocwen is not applying my weekly payments properly and are indicating my payment is past due. 
I have been making weekly payments on my mortgage as soon as i was able - the total amount has been applied to principle and " unapplied funds '' rather than being applied as described on their website where my autodraft was set up.
The credit report I obtained from Transunion through XXXX indicates a low credit score because, among other cryptic explanations, XXXX reports a delinquent account. This is not true. XXXX sold the debt to another company. The information is incorrect and must be reported paid as agree. I was never late to XXXX ( acct XXXX ) and it was never part of any Wage Earner Plan. Moreover, this automobile loan was never part of a Chapter XXXX. I have requested the report from the court of jurisdiction as evidence. All 72 payments were made on time and were not part of a Chapter XXXX. The Transunion account still shows the following incorrect information : Alert Type : Delinquent Account.

Processed Date : XX/XX/2018. 
Account number : XXXX. 
Creditor 's Name : XXXX. 
Type of Industry : Miscellaneous Finance Companies. 
Address : XXXX XXXX XXXX, XXXXT XXXX, MO XXXX. 
Payment Status : Wage Earner Plan.

Creditor 's Preferred Contact Method : Other.

Consumer Statement : Dispute resolved ; customer disagrees.
Recent cybersecurity breach at Equifax led to release of personal information of millions of users ' social security numbers and other important personal information that can lead to identify theft crimes. I am one of them. I have tried to resolve the issue with Equifax and while they admit the breach, they can not provide sufficient protection that will ensure that my identify will not be stolen. For example, 1-year of credit monitoring is too short, as my social security number ( SSN ) will now be in public forever. Also, even if I were to change the SSN, Equipfax does not provide any assistance/compensation regarding the times I lost changing my SSN, contacting various financial/governmental agencies to inform that I have changed my SSN, and other time/energy/finance consuming activities that will entail. The company 's response to one of the most serious security breach is insufficient for consumers to be protected from the identify theft.
I have sent multiple letters to Equifax. I received a copy of my Equifax credit report and it showed credit inquiries that I did not authorized. I understand that unauthorized inquiries should not be placed on credit files. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible purposes. 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX XXXX 11. XXXX 12. XXXX XXXX XXXX
I received the credit report from XXXX and I do not think it is correct. Based on the report file # XXXX it was filed in 2013 it was charged by XXXX XXXX XXXX a balance {$260.00} I did not know until I received the report in details. I do not agree with the facts because I was XXXX XXXX XXXX and I was under my parents coverage I believe this was paid by insurance. However why I was be charged for this? I could not visit doctor even I have health insurance? Any thing they should contact my parents who are insured. I am innocent. I am seeking the fairness, please help Sincerely, XXXX XXXX