WillisBack/dataset-financial-user-claim huggingface dataset:
I approached my bank whom I have a business bank account with on XXXX XXXX, 2017 in order to get a line of line of credit, which I will be personally guarantor of. I approach my banker with confidence, because, prior to reaching out to my banker, I went to Equifax and downloaded my credit report and credit score. My credit score is reported at XXXX with Equifax, XXXX with XXXX, and XXXX with XXXX. Anyhow, in speaking with my banker, I received the unfortunate news that I was denied my request due to extremely low credit score of XXXX. The banker stated that they pulled my credit report from Equifax. Immediately, I argued my case with the banker because as I explained to him that I pulled my credit report along with my credit score from Equifax prior to me contacting him inquiring about a line of credit. Unfortunately, it was nothing that he could do. Immediately, I went to Equifax.com to get my credit score. To my surprise, my credit score was again XXXX. That is a 65 point difference. I had my bank forward me the credit report, and my credit report was identical to what I pulled from Equifax HOWEVER I saw the discrepancy with my credit score. I reached out to Equifax, and a representative told me that there is nothing that they can do. Days later, I went to XXXX to see if I can get approved for a unsecured credit card. Again, the problem persisted. Not failing to mention, my XXXX credit score was now XXXX. According to the decline letter, they also sourced Equifax for my credit report and credit score. I need this rectified or I plan to sue Equifax in court.
onXX/XX/XXXX2017 Sent a letter to CommonWealth Financial Systems inc. ( letter attached ) requesting back up on the debt they are reporting on my credit report. <P/>They replied back ( letter attached ) that I needed to call w/social security # 4 digits/date of birth etc ... so they can properly identify me. I find this a bit disturbing that they clearly have this information since they are able to report on my credit - I will NOT call their office to verify my information. <P/>In my letter I also stated do not try to collect this debt which I do not know what it is for until they provide back if you notice at the end of the letter from the it states this is an attempt to collect a debt and used for this purpose.
This company calls me every day to explain how they can collect this debt. They have also contacted my family members to collect this debt.
I have an auto loan with TD Auto Finance that was taken out in XXXX XXXX. My payments began in XXXX XXXX. I am enrolled in the auto-pay feature on the TD Auto Finance Website. Since the loan was originated and payments made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX I have not received a single account statement via mail or able to access statements online when I login. I called into TD Auto Finance on XXXX XXXX, XXXX and was told that since I am enrolled in " auto-pay '' they do not send statements nor are statements accessible online. This is absurd. As an account holder and payor I should be able to access my account statements at any time. They said if I wanted statements I would have to call in every time to request them. Why should the benefit of receiving or accessing an account statement be removed if a payor is enrolled in auto-pay? The auto-pay is a benefit to the creditor as they are more likely to get payment on time. As a consumer I feel like my account data is being kept from me in hopes that I will miss a payment so that additional loan fees, interest and penalties can be assessed.
There is a collection amount showing on my credit file for {$120.00} with Debt Recovery Solutions. Although the amount is not much, it is not mine and I should not have to pay or suffer from the negative impact it has on my credit because the account is not mine. I have been disputing this debt for months now. I have sent several letters to the collection agency as well as the credit bureaus, asking for some type of information on this debt. I have sent letters asking for the original contract with my signature, I have not received any communication from the collection agency or the credit bureau who allowed them to place this on my account without validation. This debt needs to be removed from my credit file immediately because I have no knowledge of this account.
Shellpoint Mortgage Servicing is a debt collection agency. I was behind on 3 payments of {$900.00} due to a job loss and was able to come up with a payment and sent them one month on XX/XX/XXXX post dated for the XXXX. This payment was sent back to me and no correspondence from the lender occurred to help me resolve this matter. I have had this happen to me in the previous months and resorted to calling in my payments which they reluctantly accepted but refuse to defer any payments. I am in a federal disaster area and have no job for the moment. I wish to make my regular monthly payments and not go into foreclosure but am unable to make up for the payments I am behind on. I have tried to make these monthly payments but the lender keeps refusing them. As a debt collector I would assume they should cash my checks in order to repay my loan. I would like to know if there is a way to get at least 1 payment deferred so I can continue to make my regular monthly payments without having them send them back in an attempt to foreclose. I have never heard of a debt collector not willing to accept a payment. I would like to continue making my monthly payments and not have them be refused. I will continue to try and resolve this matter myself but if you can offer any assistance or insight that would be most appreciated. Thank you sincerely.
On  XXXX   XXXX  I tried to log into my  American Express  account online but was unable to do so. I then called them to help me to unlock my account which took  3  or 4 times of them trying to unlock the account. I did just end up calling the phone service line and getting my balance from the card. That is when I realized that something was wrong, because a large amount of money was missing so I then called them back again. When I told the company that the money was missing a representative said we could file a claim so she then transferred me to another representative who then asked me many questions and said that he would have an investigator look into it. He told me that I was going to get all the {$5000.00} back because I was covered by the fraud prevention program. He then said to expect a call from their investigator with some more questions. I did not receive a call from the investigator or anyone else from AE for that matter so I called them on Saturday the  XXXX . The representative on the phone said that I should give them a call back on Tuesday the  XXXX  to see where the investigation is at. When I tried to get into my AE app on my phone Monday the  XXXX  ( just to see if by chance they put the money back in there  )  my account would n't open. When I called them today they told me that the investigation was closed and that they closed my card account because I somehow defaulted on the agreement. I then asked to speak to the supervisor so I could get more answers. I waited on hold for ten minutes when the supervisor finally came on he said that they had closed the fraud claim case because they said it was my fault. They thought I approved them even though I told them the first day that I noticed something wrong that I had no idea who any of those people were. My account is now locked I am unable to get in and print any of the transaction logs that could possibly help me get my money back and charge whoever those people were that took my money.
Back in XX/XX/2014 I was thinking about joining a gym but could n't due to health problems plus I am XXXX, XXXX and also had a XXXX and XXXX I could not go to much going on. I never got there letters now this company named XXXX put the bill in collections now there is a very negative collection on my credit report. My Dr would have vouched for me because he knows I am XXXX.
0nXX/XX/XXXX I found a derogatory collection account filed on my credit report.
caine & weiner filed it against me for retailer XXXX XXXX.
however I never owed XXXX XXXX any debt or did not complete a transaction with XXXX XXXX during the time period in questionXX/XX/XXXX.
i called XXXX XXXX and started a fraud investigation against caine & weiner and XXXX XXXX told me that tgey do not use 3 party collection agencies this company has over 100 fraud complaints with the BBB for putting fraudulent derogatory collections on credit reports.
caine & weiner collections XXXX XXXX XXXX XXXX XXXX ca XXXX  XXXX XXXX or XXXX XXXX XXXX suggested I file fraud reports with law enforcement and i have done so.
XXXX XXXX XXXX automated system option 3 option 1 XXXX fraud case number i have file a police report lvmpd fraud report atty general fraud.org naag.org ftc.gov ic3.gov.
this scammer crime goes after the eldery i
I received an offer to apply for the Synchrony Bank BP Credit card. I spend alot of money at XXXX XXXX XXXX in my area and could use the rewards that were offered. I, therefore, applied for the BP Gas card on XXXX XXXX, 2015. I was immediately told to call to finalized my credit application because I had an fraud alert on my Transunion credit report. I called and was told by the representative that I had to be verified by receiving an text to my phone. I gave my number and received an text. However, I did n't get all XXXX digits correct because I am partially XXXX. I was told I would receive an letter in 7-10 days. I felt I was being declined so called the next day in an attempt to be verified again. I was told I had to apply again but did n't know that my XXXX credit report had to be pulled again. I ended up with XXXX inquires in less than 24 hours. I was eventually verified but was told that once again I would receive an letter of the decision in 7-10 days. Well, I received XXXX letter stating that Synchrony Bank did n't feel comfortable approving my credit application. A few days later I received an denail letter stating that they did an manual review and also pulled my XXXX credit report to now decline me because I had too many accounts. Well, I am rebuilding my credit here. In addition, I felt the analyst seemed to be on an witch hunt to decline my application. Also, The letters of decline stated I was asked questions to verify my identity. This is false because I was never given an choice. Most banks would of given me the opportunity to verify my identity by sending in documents such as an driver 's license, utility bill and social security card for example. I feel I was n't treated fairly here at all! Most people who apply for this card only receives XXXX credit inquiry not XXXX inquiries. I have filed multiple complaints and warn others to stay away from this bank! They are suppose to be helping people improve their quality of life not looking for stupid reasons to decline credit applicants. The sad thing about the situation is that I carry a few of their other credit cards such as Walmart, XXXX & XXXX, Amazon, Gap card and HH Gregg credit cards. This bank needs to understand that when consumers apply for their credit cards the consumer wants and need these services. In essence, I was n't denied the credit card because of my credit. It seems that I was denied because I had an Fraud alert because someone tried to change my address back in XXXX of this year! This in my opinion was very frivilous reason to deny an consumer for credit!
A letter, dated XX/XX/XXXX, was sent to One Main disputing the account. This letter was received by One Main on XX/XX/XXXX, as evidenced by USPS Tracking number XXXX. On XX/XX/XXXX, I checked all three of my credit reports and the One Main was not shown as being disputed as required by FCRA 623 ( a ) ( 3 ). 

I sent a second letter to One Main advising One Main of their failure to show the account as disputed on my credit reports, a violation of FDCPA 807 ( 8 ), and asked that this account be removed from my credit reports. This letter was received by One Main on  XX/XX/XXXX as evidenced by USPS Tracking number XXXX. 

On XX/XX/XXXX, I received a letter from One Main, dated XX/XX/XXXX, stating that the account is now being reported as disputed, 49 ( forty-nine ) days after One Main 's receipt of my original letter.
Exeter Finance Corp is reporting to all XXXX bureaus that I have a balance in the amount of {$11000.00}. However, this account has been sold to a collection agency months ago and they are stating that I only owe a balance of {$4900.00}.
XX/XX/XXXX I used BB & T online bill pay to pay my daughters XX/XX/XXXXreal estate taxes to XXXX XXXX, XXXX County tax collector. It was insufficient due to a late penalty being added, so they returned it to my bank account XX/XX/XXXX by the same electronic transfer thru their XXXX   XXXX XXXX. 

( See next complaint against XXXX XXXX XXXX ) ( Returned funds yet to be received by BB & T )
Payroll check for amount {$2900.00} was deposited on Friday XX/XX/18 into joint account shared with my wife. Chase has put a hold on this check and is collecting NSF fees of {$34.00} each occurrence on my auto pays because they continue to have my payroll check on hold for unknown reasons. 

Payroll at my company and XXXX who have issued the check have explained there is no reason why Chase should put a hold on a payroll check. Everyone else has been paid at my company from the same payroll.
I am writing to file a complaint about XXXX XXXX and XXXX XXXX because they are knowingly charging me for two accounts and I only have one which should have been cancelled in XX/XX/XXXX.  And, they are leaving me 2-3 voicemails a day saying that my account is past due {$45.00}. XXXX refuses to waive the supposed late fee and wants me to pay an additional {$45.00} in addition to be double charged. Likewise, they will not cancel the open account until I pay that. In the meantime, they have charged me over {$200.00}. 

I have called XXXX and XXXX XXXX XXXX and they have not taken any action to resolve the issue. XXXX said I made an error by signing up online and in the gym, but their employee to pay online. So they say this is my fault not theirs. I obviously do not agree. The deposit which you can see on my account was {$1.00} and then I paid online as instructed. It is also nonsensical to have two gym memberships for one person. Therefore, they are knowingly participating in fraud. XXXX XXXX promised 3 times merge the account, correct the billing, and send a refund. And, they debited my checking account again today XX/XX/XXXX and continue to call me and ask for {$45.00}. 

I am asking for the return of funds of {$130.00} for duplicate dues and charges and for them to stop debiting my account.. Here is the accounting for the duplicate charges. 

Transaction History Institution : XXXX XXXX XXXX XXXX | Switch Account | Print Actions Description / Notes Date / Age Flags Category Merchant Amount Account / Number ACH Deposit XXXX XXXX XXXX - ACH Trace XXXX - DATA : XXXX CO : XXXX XXXX XXXX - TYPE : CLUB FEES ID : XXXX XX/XX/XXXX today XXXX {$24.00} STANDARD XXXX ... 
XXXX ACH Withdrawal XXXX XXXX XXXX - ACH Trace XXXX - DATA : XXXX CO : XXXX XXXX XXXX - TYPE : CLUB FEES ID : XXXX XX/XX/XXXX 19 days ago XXXX ( {$24.00} ) STANDARD XXXX ... 
XXXX ACH Withdrawal XXXX XXXX XXXX - ACH Trace XXXX - DATA : XXXX CO : XXXX XXXX XXXX - TYPE : CLUB FEES ID : XXXX XX/XX/XXXX 47 days ago XXXX ( {$64.00} ) STANDARD XXXX ... 
XXXX Bill Pay Withdrawal # XXXX XXXX XXXX XXXX AZ XX/XX/XXXX 60 days ago XXXX ( {$19.00} ) STANDARD XXXX ... 
XXXX XXXX XXXX XXXX XXXX XXXX AZ - Date XX/XX/XXXX XXXX XXXX - Card Withdrawal XX/XX/XXXX 76 days ago XXXX ( {$1.00} ) STANDARD XXXX ... 
XXXX Bill Pay Withdrawal # XXXX XXXXXXXX XXXX XXXX AZ XX/XX/XXXX 87 days ago XXXX ( {$84.00} ) STANDARD XXXX ... 
XXXX XXXX XXXX XXXX XXXX XXXX AZ - Date XX/XX/XXXX XXXX XXXX - Card Withdrawal XX/XX/XXXX 104 days ago XXXX ( {$1.00} ) STANDARD XXXX ... 
XXXX XXXX XXXX XXXX XXXX XXXX AZ - Date XX/XX/XXXX XXXX XXXX - Card Withdrawal XX/XX/XXXX 104 days ago XXXX ( {$4.00} ) STANDARD XXXX ... 
XXXX XXXX, XXXX XXXX XXXX
On XX/XX/XXXX, LoanCare sent us a letter stating that they were going to be our new mortgage servicer. Our former mortgage loan subservicer was XXXX XXXX XXXX XXXX and they were transferring our mortgage to LoanCare. 

Our complaint is that LoanCare has failed to add our mortgage payment history to the three major credit bureaus ( XXXX, XXXX  and XXXX  ). This has resulted in a lower credit scores and higher interest rates for our two recently obtained auto loans and four recently obtained credit cards, as well as a refusal by another mortgage servicer to refinance our mortgage until this information was accurately reflected on our credit reports. 

We have repeatedly called and gotten in touch via the help center on the LoanCare website to have them add this information. As of today, XX/XX/XXXX they have still failed to do so which is evident by the fact that we just pulled all three credit bureaus reports for both my husband and myself and this data still is not being reflective therein. 

Most recent requests were : XX/XX/XXXX Email from a LoanCare confirming their receipt of our request that they add mortgage payment history data to all three major credit reporting bureaus. 
XX/XX/XXXX. Email confirmation of inquiry regarding mortgage account XX/XX/XXXX. Email stating they received inquiry and are assigning it to appropriate department with ticket number XXXX XXXX We emailed a picture of XXXX credit report showing no mortgage data on summary page requesting that LoanCare review the amount of time weve had the mortgage with them and report accordingly to all 3 credit  bureaus. 

There are other disputes with this lender as well but it would be too lengthy to address all of their failings here.
Please see CFPB case # XXXX - I am submitting this complainT today to show that Dovenmuehle Mortgage company made charges to me based on fraudulent documents - Please find attached documents submitted by Dovenmuehle stating that I agreed during closing to pay for inspection fees - and they have provided fraudulent signatures - my father XXXX XXXX XXXX was never a party to sign anything - NO CLOSING took place, only an assumption/transfer of the mortgage for {$30.00} paid by XXXX XXXX XXXX - Please note on Dovenmuehle 's fraudulent documents, there is white-out on the copy which voids documents - XXXX XXXX ( XXXX ) XXXX the XXXX are signed differently. There are XXXX different dates on the fraudulent document with the signatures XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX - Please look at notary seal - there is white out and the date is unclear. I have attached the True documents from XXXX, Pa Records department showing the deed was between XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX ONLY - NO transfer tax was due only a cash {$30.00} paid for recording. I know I never signed this fraudulent document where XXXX or Dovenmuehle can claim I agreed to inspection fees - yes my account was late and due only ordinary late fees but my account was current. Please investigate further - if these documents appeared out of the blue for me in favor of the mortgage company making excessive charges they are also being attached to other mortgagees. Please investigate. These fees I NEVER agreed to I NEVER had a CLOSING - I assumed my siblings old mortgage NEVER signing anything new I NEVER NEEDED another refinance or loan modification - NEVER ANY NEED for me or my PARENTS TO SIGN THIS FRAUDULENT DOCUMENT. Also, please note, I have attached a copy of my XXXX XXXX form provided by XXXX XXXX - XXXX XXXX XXXX ( XXXX ) XXXX is not listed..
I checked my score and have seen that there are 17 plus hard inquiries on my score from creditors from which only few i recognize and have authorized only 3 creditors (XXXX, XXXX XXXX, XXXX / XXXX) rest all are not recognized and authorized by me.
So these hard inquiries should be removed from account. 

I tried calling Transunion but they said they won't take care of it and cannot delete these hard inquires.
They are calling me at work and I told them I'm not allowed to receive personal calls at work.
I can not get these people to stop taking this money out for some insurance that would pay off the money on this card- The card companies wo n't block it and the insurance company wo n't stop taking it! I have called a number of times over the last 5 years to both and I just get the run around! Can you help me? 
Capital One XX/XX/XXXX XXXX XXXX XXXX XXXX Household Bank XX/XX/XXXX XX/XX/XXXX NUF IPP XXXX XXXX
Now married to my husband, I have XXXX now attempted to simply get added to our joint account so I may be issued a debit card and purchase groceries, etc. My records indicate, as ChexSystems just sent me my requested copy dtd XX/XX/XXXX that queries were made on XX/XX/XXXX and 5XX/XX/XXXX by XXXX XXXX XXXX XXXX. The bank indicated XXXX times that a code was returned that they can not override indicating I do not qualify to do business with their bank. The reason provided : the code received back from ChexSystems. 
I then requested the report ChexSystems sent XX/XX/XXXX and it shows the XXXX queries but no other information at all regarding the reason for the code or any cause for me to be denied anything via ChexSystems query. My report shows " no information found '' under the check ordered and reported information sections. If this is indeed the case, reporting to the bank a code that denies me membership is a misreporting of my status and should be corrected as soon as possible. If the report I requested is missing information, then this report should be corrected so I can then find the source of negative reporting and get the situation corrected or disputed properly. 
I therefore request either a corrected report or a correction to the code returned when a bank requests information regarding me using my social security number or name. If possible, I further request an explanation why for the past year I 've been unable to be added to a joint bank account with my husband, yet the report I requested contains no negative reporting associated with my social security number. 
I believe I have a copy of the bank 's " bad code '' report, but I definitely have a copy of my ChexSystems report if needed. 

XXXX XXXX
Had taken out a payday loan/installment loan on the Check N Go location on XXXX XXXX XXXX location in XXXX IL. I had to ended up filing Bankruptcy on the loan some years after ( payments were made on the loan ) due to loss of job and change of income and relocation and excessive debt. I contacted the XXXX hotline to inquire if any payday loans had been taken out without my persmisson and system stated/representative informed me that the loan was not closed out under my bankruptcy protection. I have the creditor listed under my Chapter XXXX bankruptcy which was filed and discharged back in 2015. I recently went into the location of lender and was informed that they were not able to give me any paperwork stating that the loan was taken out or anything showing the balance in which I had taken the loan out. I needed something from the location of the store so I could have something to show that I had indeed had the loan and that it needed to be closed out. I called the customer service number in which I was given and was informed that I do not believe was a valid department for the lender. I need to make sure that the account is closed out or given something that shows the account number so I have it updated that it was closed/marked under my bankruptcy. When I asked the store associate for information. The associate informed me that they were not able to give me any information and to call customer service.