WillisBack/dataset-financial-user-claim huggingface dataset:
This account is appearing on my credit report along with 2 others that share the same address. I 've never heard of these companies. I 've written to them asking for debt validation and something with my name on it stating I agreed to do business with them. This was over 30 days ago. I sent the same letter to the credit bureau however they have failed to provide me with anything from these companies as well.
The company I.C. SYSTEM INC. has a dept on my credit report for {$1600.00}. After doing research I found out that someone stole my social security number and opened up an XXXX account under the name XXXX XXXX. They also used a XXXX XXXX XXXX which I never owned. They opened up the account in XXXX XXXX back in 2011, Which I was living in XXXX XXXX. I found out by the XXXX company that that person was using a stolen Credit Card to pay for the account. The account was closed and was sent to the dept collection agency.. So that person used a fake name with my social. I want to dispute this off of my credit report, because never mine, and the account was opened up illegally. I never went by the name XXXX XXXX.
I was fitted for a XXXX brace with a prescription. They called my insurance company and agreed the insurance company would pay 50 % because they were out of network. My insurance company ask them several times For documents which they did not provide. Because of the time gone by the insurance company closed the case. The company has called me many times. I offer to pay them my half and they refused my payment method. I believe they gave me a more expensive brace than what was prescribed. Once again I did offer to pay my part
XXXX XXXX breach put over 140+ Americans at risk. Now, Transunion is not even allowing us to freeze our credit. This is absolutely unethical.
Paypal has not been impartial when facilitating disputes. In my case, a merchant ( XXXX ) mailed merchandise that was too small. The product came from their warehouse in CA. However, Paypal told me they sent an email on XXXX/XXXX/17, asking me to return the items to XXXX, I never received that email. I did receive an email asking for a confirmation of mailing so I quickly returned the items to the sending address, in XXXX XXXX, CA. However, despite the XXXX indicating the package has been delivered, they have refused to return my monies of {$120.00} until the merchant affirm. This is not appropriate given the merchant is using a XXXX address to make it difficult to return items not usable. Instead, Paypal is working on behalf f merchants instead of the average US consumer in this matter. I ask for assistance in regards.
XXXX XXXX XXXX aquired Cabelas, including the Cabelas Club Visa account holders. This involved a handoff of accounts which they fumbled badly. 

I received my Cabelas Club Visa statement and mailed payment in a timely manner to the address on the payment slip ( XXXX, NE ). The payment was due XX/XX/XXXX and I mailed it XX/XX/XXXX. Generally payments mailed from my address in XXXX XXXX Missouri are credited in 3 to 5  days, but to this date ( XX/XX/XXXX ) the payment has not been credited and the check has not been cashed. 

I have called repeatedly and begged them to cash my payment and credit my account. Each time I get a different story about why they haven't done so and what they will do. 

This whole fiasco begs for a class action lawsuit against the banks that were supposed to handle the transfer. I know I'm not the only person who had a Cabelas Club Visa that was being transferred over to Capital One for the XXXX XXXX takeover.
XXXX added a late payment to my account. This payment was late in XX/XX/2011. Every time I try to obtain information on my account I am being told I need to submit proof of who I am, which I have done multiple time. Why is it that the credit reporting agencies don't request proof before putting negative information on consumers ' reports, but the consumers need to provide a wealth of information and proof to have these information removed. I need this negative information removed from my credit report. 
Yet, this is the same companies that is selling consumer information, and don't have protection on their system with the massive data breeches.
I disputed a collection on my credit report for XXXX and received dispute results after completing the processing of my dispute results were removed/deleted. The date Trans Union complete dispute was XXXX XXXX, 2015. On XXXX XXXX, 2015 the collection agency, XXXX XXXX, re-reported on my credit report and they have already been removed. I do not have an account with this company nor have I received written communication from XXXX XXXX. Please assist in the removal of XXXX XXXX permanently. Thanks
I have tried several times to consolidate and lower monthly payments. I have various interest rates as high as 13 %. They are unwilling to discuss and say they have nothing available. When I was unemployed they did not offer any relief and continue to offer no assistance or forbearance. They also where assertive in borrowing me funds while I had already borrowed {$65000.00} for my degrees already. After reviewing my credit I expect to be denied.
A company named Cooper Hoffman Klein and Associates called and stated they were investigating my bank account and I would be sent for prosecution for a debt for a payday loan from 6 years ago, they threatened to file a claim that would garnish me, send me to jail if I did not pay them XXXX today XX/XX/XXXX and the remained of the money in XXXX payments XX/XX/XXXX. I asked for proof the debt that they said they would e-mail me and I have not received anything they said I was a low life and I know I owe the money and it is time to pay. The represent themselves as a law-firm but I can not find anything about the firm. When I googled the company and phone numbers everything states it is a scam. They would not give me the address of the firm.They have called my parents leaving information about my so called debt while speaking with them. My parents are elderly and this is very upsetting to them. The phone numbers they call from are XXXX XXXX
Back in XX/XX/2018 Bank of America had a promotion for opening business accounts package with them. The terms of that promotion were : To earn the initial {$1000.00} bonus, open a Business Advantage Checking account by XX/XX/2018, make qualifying deposits of at least {$50000.00} in the first 90 days, plus apply, be approved for and open a new small business credit card account and spend at least {$2000.00} on the card within 90 days of opening a Business Advantage Checking account. 

Please see attached flyer for more details about this promotion XX/XX/2018 I applied for Business Advantage Checking account and business credit card with the help of Bank of America small business banker. I was subsequently approved and met all promotion requirements within allotted time period. 
Per offer terms I was supposed to receive {$1000.00} bonus within 90 days from the end of your qualifying period, meaning by XX/XX/XXXX. However, as of today, I still didn't receive the bonus. Over the last month I contacted Bank of America multiple times about this issue. Every time Bank of America representatives, including small  business banker who helped me to open business account, told me that I did qualify fo the bonus and supposed to receive it by this time. But apparently, there is no one at Bank of America who can look into my case and make things right. 

I feel completely frustrated about this experience and the fact that Bank of America does not honor it own promotion. I hope this claim could bring necessary attention to resolve this issue.
Attended an online university as well as a normal brick and mortar school. Realized the education being offered was not quality and was not teaching me anything more than general knowledge that could be found anywhere. Teachers were not real. My wife and I attended the same university at the same time. The online professors were giving us the same responses verbatim proving they were not actual responses. I feel tricked and wronged and I do not feel entitled to repay the amounts as I never recieved what I was attempting to pay for.
I have repeatedly requested that Portfolio Recovery Associates , LLC / Account Disputes Department provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Navient appears to be over charging interest. When I asked for detailed billing to show how the interest charges accumulated they were unable to show daily charges. They provided no documentation. In order to get the XXXX-XXXX harassing calls per day, and to stop the massive interests charges - myself and my grandson borrowed money to pay off the loan. I filed a complaint with the BBB and to date we still do n't have any proof of how payments were applied and how interest charges accumulated.
In year XXXX, I had taken a loan amount of {$62000.00} to open up a XXXX in New York. Initially I was delinquent on my payments because my XXXX was n't doing good. In XXXX, I was approached from debt collector company called Green Tree Servicing LLC ( XXXX XXXX XXXX ) and was given the chance to consolidate {$60000.00} of my debt to {$21000.00}. I took the opportunity and paid off the debt in the following two years. I have a settlement letter and bank statements showing that money was taken out of my account. Two weeks ago, I got served with a Foreclosure notice from Debt Collector company XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) requesting an amount of {$62000.00} to be paid off or they will foreclose my home to collect the debt. I want to file a complaint against XXXX XXXX XXXX company for attempting to collect debt that was already paid off.
My girlfriend and I are shopping for a mortgage. On XXXX XXXX, 2015, she visited a local Chase branch ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) and spoke with a mortgage banker named XXXX XXXX to find out what loan rates they could offer us. As part of the process, she called me to ask for my SSN. I stopped and inquired what it would be used for and was told they had to put it into their system to get an accurate rate quote. 

Next thing I know, she is calling me on the phone to ask questions about details from my credit history. He had apparently pulled my detailed credit report and was going through it with her discussing specific findings he was pointing out. It was very upsetting for me to me try to understand what they were seeing and referring to. He also gave her a printed copy of my entire credit report to take with her in a clear breach of my privacy. 

At no point did I authorize them to release details from my personal credit information to a third party. If there were particular items to be addressed, he needed to set up a time to discuss my personal information with me directly. 

My overwhelming concern is that this experience proves just how easily anyone could take someone else 's SSN into a Chase branch, chat with a mortgage banker, and with very little social engineering, walk away with someone 's entire credit history.
I have contacted CFPB a number of times.Regarding inaccurate information being reported to all 3 Credit Bureaus ( XXXX, XXXX, Experian ) .The CFPB is supposed to protect me the consumer.When receiving a complaint from a consumer.The furnisher has to show verification, and validation. To back up there accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate.In any dispute, the furnisher of the information can either verify the accuracy of what they have reported, or correct the inaccuracy should they agree that it is currently inaccurate. To the extent that the CRA considers a response to a dispute to be a date of last activity, that is not a substantive issue, and not a violation of the FCRA.
I got a pre-approved offer in the mail from Capitalone, so I applied for the card and got approved. A few weeks after my card arrived, I got a letter from Caopitalone informing me that they are closing my account baecause '' Principal owner ( s ) have past, present or pending legal action ''. Closing my account and checking my credit report have both caused my credit score to drop as a result. This is not the first time this company has done that to me, last year the same scenario happened but that time it was a secured credit card and this time this is an unsecured card. By receiving a pre-approved offer I thought that the company has done their research and found me creditworthy to receive their card, but just to turn around and close my account a few weeks after is rather peculiar. Their actions both times have caused my credit score to drop and now I have two closed accounts on my credit report that further damages my credit score and my ability to better myself financialy.
I just applied for a home loan ; joint with my husband. My Credit Score info : " Your credit score is not available from any consumer reporting agency, because they may not have enough information about your credit history to calculate a score '' I have always had an excellent credit score, but last checked it about 6 months ago with Chase-free with my credit card account. I have a home & auto loan in my name, as well as several revolving charge cards- all with excellent credit history. 
I went to the Chase site last night, I could not log in, I went to XXXX XXXX, " no information is available at this time ''. I am sick to my stomach as what has happened?
I recently discovered that I was potentially eligible for protections under the Servicemembers ' Civil Relief Act ( SCRA ) and attempted to submit documentation to that effect to the Pentagon Federal Credit Union ( PFCU ). The person to whom I spoke was not aware of the program and did not know the procedure and stated that he would submit the documentation ( my Status Report pursuant to Servicemembers Civil Relief Act ). However, their specialist, who does not appear to understand the concept of XXXX XXXX, stated that this was unacceptable as I do not have an actual end date associated my activation. I attempted to explain that I was and have been for the last 11 years, an XXXX XXXX XXXX XXXX that has never left service. <P/>She then stated that my only remedy was that I needed a letter certifying that I was on XXXX XXXX. The letter is attainable, although I have previously requested this numerous time and I feel this is becoming onerous as I have tried to do this process before with similar results where the process just drags on even though it is required by law. <P/>The documentation, which is provided and signed, by the Department of Defense - XXXX XXXX XXXX is a government document created and accessed through : XXXX XXXX XXXX. It is the most current database of DoD personnel and is used throughout the industry. I feel that as PFCU is a military-oriented credit union with numerous DoD personnel as members understands this process and it just attempting to make it more onerous for members to receive the benefits to which they are due. I appreciate any assistance with this matter. <P/>Thank you for your time.
Continued attempts to collect a debt I do not owe from ( XXXX ) by a collection agency/attorney ( Rauch-Milliken International Inc ) with intimidating collection letters, threatening ; negative credit reporting, court dates/costs/judgments, attorney fees, bank/asset garnishments, etc.
Hello Consumer Finance, I 'm not sure where to even begin! I have been battling with Equifax for the last few months and as of late I submitted a complaint against them. I 've had some fraud on my report and it been a complete nightmare for me. Since I travel I guess I 'm an easy target. AND now it almost seems like experience is retaliating against me in the form of negative reporting. I 'll give you my evidence and what happened and hopefully we can make some sense of it. There was an SST/SYNOVUS ( # XXXX ... ... ) & an XXXX ( # XXXX ) that were and haven {$0.00} balance for years.no balance owed nothing. I filed a complaint against Equifax about 2 weeks ago and as of yesterday morning. Those accounts mentioned both have a balance of $ XXXX. and was reported as a new charge-off and derogatory. ( according to the credit monitoring ). This has sent my credit into a tail spend and my stress and health are taking a toll. Please help me. Here is the attached screen shot showing the XXXX balance charge-offs for the exact amount and how they showed out of thin air. 

I 'm already fighting with someone using my social and now I have to fight a large company ... I do n't stand a chance. and I think they know that so they keep doing stuff like this to people.
About one year ago my mortgage company increased my payment by about {$280.00}. I was paying {$610.00} and have been paying {$890.00}. They claimed that my property taxes had increased and that was the reason for the payment increase. I went down to the tax accessor 's office and they said that my taxes had not increased, in addition my taxes are reduced even further because I am XXXX so I receive a tax reduction from the county which I complete that paperwork every year. In addition, my homeowners insurance had not increased, therefore my mortgage payment should not have increased. What they are doing is illegal and violates RESPA. They have failed to resolve this matter or give me a reasonable explanation why they are continuing to charge me this increased erroneous amount.
I am filing a complaint against the 3 credit bureaus XXXX, Equifax, and XXXX. After reviewing my credit report, I noticed some discrepancies regarding the accuracy of the information on reporting accounts. I sent a dispute letter requesting the verification of these accounts and asked to be provided with the original signed contracts with the correct information which all 3 bureaus should have received before posting these accounts to my credit. I sent the initial letter on XX/XX/2017, and 2 more letters thereafter and the issue still has not been resolved, nor have I received the verification documentation I requested more than 90 days ago. I have records of all the letters I sent to these agencies, every response letter, and credit reports for the past 90 days. After they received the first letter, XXXX and XXXX removed one of the disputed accounts in reference but have since reapplied the account to my credit report without providing me with the verification documents I previously requested. This issue is causing me many problems. So, I am taking the next steps in order to get this issue taken care of and get these accounts verified. It is not ethical what these credit bureaus are doing. They should not be able to post inaccurate accounts on anyone 's credit report damaging the quality of their life. I am ready to seek legal action! Please let me know if I need to file an individual complaint for each credit bureau.
Capital One. XXXX XXXX an account was opened. That account ended in XXXX. 
After a XXXX XXXX payment was recorded as late the card was paid to {$0.00} and then not used. 

In XXXX XXXX or XXXX XXXX Capital One marked the account as closed. 

In XXXX an unsolicited offer of credit was made with an account number ending in XXXX. 

Capital One is now claiming the XXXX account is the same as the closed XXXX account. 

Capital One and its XXXX alleged XXXX attorneys refuse to provide the contracts used to create the XXXX account.
I purchased a vehicle XX/XX/XXXX. I traded in a Traverse and purchased a Honda Civic. My payment for the traverse was due XX/XX/XXXX. I asked the dealership if I would still be liable for the payment of the XXXX  and they said if I was worried inshoudl call XXXX, that my loan was through, and cancel my payment. I did not cancel the payment because I didnt wasnt my credit affected negatively. I called XXXX XXXX  in XXXX  Ca on XX/XX/XXXX to inquire about my first payment dueXX/XX/XXXX for the Honda and left multiple messages, never getting a call back. On Saturday XX/XX/XXXX XXXX took another payment for my Traverse that I traded in. I finally got someone to answer my call on Saturday, they said theyd speak to their manager on Monday XX/XX/XXXX. At XXXX XXXX I drove the hour away to make my payment to the dealership because I have no other information as to where to make the payment. The dealership said Im out the interest that Ive paid on the traverse even though I gave it to them on XX/XX/XXXX. I cancelled the insurance on the traverse and as far as the DMV is concerned I still own the Traverse, my drivers license could be suspended because it doesnt have insurance. The dealership did not process my contract until XX/XX/XXXX according to them. How can they wait 45 days and make me pay 3 car payments for 2 cars? 1 I dont own?? I cant add a loan number or account number because I still havent received any paperwork stating I own the car!
The company call today and said that they will be delivering me documents filed to take me to court and could deliver at my job. The name of the company is not mention, only the debt they are collecting for Advance America, XXXX XXXX XXXX XXXX.
Case XXXX. Stating this is for fraudulent check wrote to the pay day loan place
As of today, XXXX XXXX, XX/XX/XXXX I have XXXX inquires that I " DID NOT '' initiate. The inquiries are on all XXXX credit bureaus reports. I have not applied for any credit since XX/XX/XXXX. My credit reports should be free of inquiries.
I opened a Capital One Money Market Account. Met all of the terms for the {$500.00} bonus, but Capital One refused to give me the bonus. The terms state that you need to deposit XXXX by XX/XX/XXXX. I deposited XXXX in a few transactions, then reached out to get the status of when I would receive my bonus, they said I did not meet the terms. They stated that my account did not have a balance of XXXX. No where in the terms does it say I need to have a balance of XXXX, only XXXX in deposits. Please see the attached PDF with the offer and offer terms. You will see no where in the requirements does it say the word " balance ''.
falsefiling1 ; XX/XX/2018 In law, GAAP, generally accepted accounting standards require businesses that issue financial statements to the public adhere to the principle of permanence of methods : Consistent procedures are required to be used in the preparation of all financial reports.However, the Union Bank will conflate various kinds of charges, i.e., principle, interest, even false or disputed charges, assisted with multiple accounts in the customer 's name, to conceal disputed and false filings in violation of law. And then holds the customer hostage to paying the false filings by refusing to record the payment unless the false filing is accepted.The Bank Has already made an admission that approximately {$5000.00} was incorrectly charged to my account by false filings and had made appropriate revisions.That is indeed progress ; but the same accounting techniques are still continued to be used. 
The Bank is still conflating principle and the few remaining disputed charges, in order to pressure this customer to pay up, without further investigation, ( something that is generally called extortion ), and it puts an end to lingering optimism. This is, of course, considered illegal by California statutes, but the Bank believes that it has impunity although it is evidence of bad faith and petty theft. 
Recently, an unresolved charge of a few hundred dollars was added on to a mortgage payment, but acceptance of the payment is made contingent on acceptance by the customer of the false charge. It is required to be paid without protest and definition or recognition of a dispute in its entirety. When a mortgage is transformed into a partial payment It is one way of twisting customers arms by piling on interest ; it is a method that the Bank considers effective and seems to work for them, although extortionate for obvious reasons.