WillisBack/dataset-financial-user-claim huggingface dataset:
Initially I thought this item was a result of unauthorized use because I knew I did not have a balance with the company. After reviewing the documents they sent for validation, I now have a better understanding of how the account was handled. I placed an order to XXXX and the original order was sent to the wrong address. The company said they would resend the items to my mother ( they were two of five gifts I sent her. ) Months later, I asked my mother why she never wore the dress and hat I sent she said she never received the items from XXXX. I contacted the company directly and informed them that she never received the items, requested a refund of the payments I made, and that the account be closed. I assumed my wishes were honored. Now I see that they were not.
Sent in three dispute letters starting XX/XX/XXXX-XX/XX/XXXX to all credit report agencys regarding accounts ( XXXX acct # XXXX ) ( XXXX acct # XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX  acct # XXXX ) ( XXXX XXXX acct # XXXX ) accounts not mine please delete it. Put a fraud alert on my account due to my name being used, credit agency is not verifying these accounts. Just sent in a final letter XX/XX/2018,  notarized stating I will press charges. Please remove accounts immediately. Also XXXX acct # XXXX, never late on payment, and never late with account XXXX XXXX XXXX acct # XXXX
I tried to cash a child support check from the state of West Virginia at my local XXXX. It was declined with no reason as to why and I was n't given a receipt. This was after inputting my social security number and drivers license. I called Certegy, the company that declined it, had to give them all my info, check information and amount. They would not give me a valid reason. I think this is some sort of scam to sell credit information. And from what I read on consumer affairs, thousands of people have had the same issue.
On XXXX XXXX, 2016, I initiated an online Moneygram transfer of {$1000.00} for my son. In the past 2 months I have been sending him transfers with just his first and last name on the Moneygram and he has been able to pick up the money. I live in XXXX XXXX and my son attempted to pick up the money at a Moneygram location in XXXX XXXX on XXXX XXXX. He went to at least XXXX Moneygram locations but was told he could not pick up the money because his ID did n't match. The Agent said that the Moneygram was missing his middle initial so he could not pick it up and the the policy recently changed to require the middle initial. BUT the online form says that the middle initial is optional and today it still says the middle initial is optional. On XXXX XXXX I cancelled the transaction and received a confirmation email that acknowledged the cancellation. From the date of cancellation it 's supposed to take 3 to 10 business days to receive the refunded money. I called Moneygram XX/XX/XXXX, the 10th business day because I received an email on XX/XX/XXXX saying that my transaction was cancelled on XX/XX/XXXX. I called and spoke to a supervisor named XXXX who looked into the transaction and confirmed that the cancellation date was not XX/XX/XXXX as the Moneygram email said, but XX/XX/XXXX. In the email I received yesterday, it says that I have to wait 3-10 days from XX/XX/XXXX to receive the refund. This is a deceptive practice. Now it can be up to 20 business days, or a month before I get my refund. I am complaining about the deceptive practice of requiring a middle initial - the online form does n't require it - for pick up. I am complaining about their refund process. The Customer Service agents are argumentative and do not take the time to research the issue or provide me with a proper email response. I called and emailed and my issue still has not been resolved.
Twice this year I had a " mixed file '' issue with another person resulting in a sudden drop in my XXXX XXXX. I was told that " further research '' was needed to prevent the issue from happening again and that I should have been contacted after the first case. I have received no correspondence regarding the root cause of the issue.
A less vague guide to improving a credit score could be provided by the designers of the credit score analytics ; FICO and XXXX. The bland recipe for starting, maintaining or correcting scores is not very helpful. Things like, pay your bills on time and do n't use too much a of a credit line can be arrived at through the use of some common sense.These " tips '' are much too generic to be truly helpful to consumers. They should advise us what the real story is. Tell consumers exactly what they should do to improve their scores and be specific. If paying off that past due XXXX card would raise my score by XXXX points than let me know. If paying of that {$400.00} balance on my auto loan will raise my score by XXXX points than tell me that. Bobbing and weaving through the vagaries of credit scoring for the average consumer is impossible. A transparent, easy to follow, step by step formula for increasing consumers credit scores would do a world of good for everyone from the most unsophisticated consumer on up. The credit scorers will come back, once approached with this idea, and claim it is impossible to do. They will assert that they do n't know what other factors may occur affecting your credit score to enable them to make a specific prediction as to a drop or increase in a score. My answer to that is for them to add a disclaimer saying, " If no negative factors related to your current score are reported your score should increase by approximately " xyz ''. This will at least give some guidance as to which specific accounts are more important to your score. I received my free XXXX report and score ( based on an Equifax credit report ) from XXXX to XXXX, XXXX substantial items changed on my credit report yey my score did n't change at all.
In XX/XX/XXXX, a student loan for my daughter for which I was a co-signer was on the verge of going into default. This situation was because my daughter was a single parent, under-employed, and underpaid, and receiving no child support. Add this to the fact that our family was affected by the XX/XX/XXXX financial crisis during which time we lost our family home to foreclosure and defacto bankruptcy, we desperately tried to reason with Wells Fargo ( as we did with other creditors ) to offer what we could pay as good faith gestures. They would not accept anything less than what they wanted. During this time, I was primarily responsible for my daughter and granddaughter financially since my daughter 's income was insufficient. This meant that each month, apart from what little bit my daughter could afford, what was deposited in my Wells Fargo bank account was just enough to pay the rent, pay the bills, and put food on the table. During that month, Wells Fargo proceeded to garnish my wages directly out of my accounts without getting a judgment against me and without informing me or considering the consequences for my family since I was the head of household for a family that included a then XXXX-year-old. I called, and after an hour crying and begging on the phone, I was able to get someone to give me some of the money back, but they kept the rest as payment on a student loan. From there, they demanded that I come up with a plan to pay them because if I didn't, they said that the would continue garnishments. As a result, I had to get rid of all of the possessions from my home that I had lost so that I could find a way to pay them {$200.00} a month. Since then, they've made a note on my credit report saying that an arrangement was made, when in truth, it was not an agreement but a garnishment with no opportunity to explain the situation before a judge. To add insult to injury, after paying them {$200.00} a month since XX/XX/XXXX without any payments ever being late, they've refused to remove the derogatory marks from both my credit report and my daughter 's.
Credit bureaus are reporting inquiries that I have no knowledge of. I wasn't extended any credit from the below listed companies. 
XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX, XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX
Back in 2013 my now ex-husband and I lived in an apartment, at which point we filed for a divorce. I had spoken with the rental agent about the remaining amount owed and she assured me that I was not responsible that my ex-husband agreed and put in writing that he would be solely responsible for paying the debt. I thought this was resolved but then at some point I noticed they placed it on my credit report. They never at any time reached out to me or sent notification that I owed this debt again prior to this I was told I did not owe them and not to worry about it. Once I realized this was reflected on my credit report I did contact them and they told me I would need to pay half. I was never informed until it was too late that anything was my responsibility with this debt. I don't think it's fair that they can tell me one thing and then do something else. At no point was I working and I should have only be listed as though I was a dependent since I did not bring income into the house at the time.
In XXXX 2016 I requested and received a payoff letter from XXXX for the mortgage on my home in XXXX XXXX XXXX Florida. I received a payoff letter dated XXXX XXXX, 2016 that indicated a payoff amount of {$210000.00} valid through XXXX XXXX. I wired {$210000.00} from my account at XXXX in XXXX on XXXX XXXX to XXXX XXXX as directed by the payoff letter referencing my mortgage account as the beneficiary of the wire.I then waited for the payment to be processed and the mortgage released. Instead of a release of my mortgage I received a letter from Ditech Financial dated XXXX XXXX indicating I owed Ditech Financial an additional {$750.00} for a shortage. I paid the amount required by XXXX. 
Apparently XXXX sold my mortgage to Ditech and nevertheless issued the payoff letter indicating the amount due. XXXX acknowledges the receipt of my funds on in full on XXXX XXXX. XXXX has repeatedly indicated they can not help and refer me to Ditech. I have called Ditech repeatedly over the ensuing months explaining my situation sending copies of the payoff letter and wire confirmation and do not ever get a return call or any help what so ever. 
Most alarmingly Ditech has now put me in default and threatens foreclosure. I NEED HELP!!!!
My house mortgage was about to go into forclosure, but went into court mediation instead, so that a new payment plan could be done with a loan modification. Well, XXXX XXXX was to be the first of 3 ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) trial payments. Ditech, ( the company ) never furnished a payment plan to me, my lawyer or the court. They could n't give a fair answer for the delay.So now this payment plan is in limbo ... plus there are other pending issues like charging me their home insurance when I showed a number of times I had my own insurance..Still on the " bill '' plus late charges while they wait on giving this payment plan, and while interest rates are going up ... I need Ditech to give me the plan so we can get this done.
IM not sure if i should make another complaint. but there 's no way of adding info to original complaint. this complaint is about what information equifax investigated on the XXXX XXXX tradelines the last time i disputed them online. EQ makes you pick a certain reason for disputing. when none of the choices were the reason i was disputing. i will upload these pages. so when i wrote in the comments section that i was disputing the payment history and codes and status of the XXXX accounts. i figured they would read that and investigate accordingly. but they didnt they just investigated the choice i made out of the XXXX different reasons to investigate. thats it. that 's why im making another complaint. i already disputed the XXXX XXXX tradelines again. saying in the comments again why i was disputing the same as above. i wanted to make this complaint before they screwed me over again. i believe EQ does this on purpose to make it easier to verify info. they never verified payment history, payment codes, reason for transfer. was due to XXXX discharge. my student loans were forgiven. and they never investigated any of that with XXXX pages of uploads to prove my point. after all that they only looked at the line i checked above. " The results are : We have verified that this item has been reported correctly. We have verified that the last payment date is reporting correctly. This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. We have verified that the date closed is reporting correctly. '' thats the response on XXXX accounts. and even that info is incorrect.
Wells Fargo account re-aged ; XX/XX/XXXX consumer credit report is reporting first delinquency XX/XX/XXXX, XX/XX/XXXX consumer credit report is reporting first delinquency XX/XX/XXXX. I've disputed the accuracy with credit reporting agencies with no success. I have attached copies of credit reports for both years.
XXXX XXXX XXXX has called me several times from Unknown Number. They called three times today and I answered the third time ( XX/XX/XXXX ). I asked them, isnt it illegal to call from an unknown number, and he stated that his company does not do anything illegal. They also called me from an Unknown Number twice on Thursday, XX/XX/XXXX, and I did not answer.
Webster Bank reports 120-180 days lates every month and this accounts date of last activity was XX/XX/2012. This is illegal to do and was never properly charged off or reported correctly. They have ignored my attempts at fixing this and we need you to hold them accountable for their FCRA violations. See attached screenshot
on XX/XX/2018 i disputed a medical bill form XXXX XXXX XXXX on XXXX  and XXXX  credit reporting agency because i don't recall owing that debt. The medical bill was removed from XXXX  but not from XXXX  amount {$110.00}, i have tried unsuccessfully to dispute it again through XXXX  online dispute numerous time, but their system doesn't seem to work consistently because i am constantly getting error messages ( please see attached below ). a few weeks later I received a letter from XXXX XXXX XXXX date XX/XX/2018. I don't think i owe this balance and its adversely affecting ability to conduct any business.
i see i have 3 hard inquiries for credit. 3 are from XXXX XXXX, another that just showed up whith chase just recently and 1 with a personal loan. i keep track of my credit as i'm trying to get it up where it belongs. something is seriously wrong when someone can get your info n apply for loans n it shows on your report. as of now i have fair to good credit. but i tried getting these fraudulent inquiries n have no way of removing them. also when you are told it will be a soft pull some companies do a hard pull trying to get you into a hi interest loan which i will not do. i can go to my own bank n get what i need for credit.
debt is being report as collection or charge off in the amount of XXXX, I have never been under contract with XXXX, I have disputed several times with Experian and XXXX   the information being reported has not been validated and is inaccurate, both XXXX and Experian don't show a whole account number. also the contact information on report is inaccurate I have tried contacting XXXX through the address on my report and phone number, in which letters are sent back as un deliverable the FCPB has tried making contact and has not been able to contact either, So under FCRA not being able to dispute and wrong information add to report must be deleted, I will not file another complaint after this but am in prosses of filing a civil case against XXXX and Experian, for unvalidate and wrong information being reported to my reports and I will seeking XXXX in court, unless this is solved prior to court I will not settle the day of court.
I have called TransUnion several times to have them remove unauthorized inquiries from my credit report. I have a right to dispute and have removed any unauthorized information from my credit report. XXXX and another rep stated that they do n't dispute inquiries and asked that I call the company who placed the inquiries on my credit. I have been unable to identify who these companies are and the ones who I was able to successful reached stated that I need to contact the credit bureau directly. XXXX, XXXX, XXXX, XXXX. Please remove thses unauthorized inquiries.
Pursuant to the last letter received from the credit bureau, they have failed to furnish the information used to ascertain the method used to report the account in question ( The Right to Report ). I have sent letters certified mail, and have received notification of their ( CRA ) receipt of disputes. I have received nothing but stall tactics, and accusation of frivolous disputes. Yet, my requests have not been honored which is my right under sections XXXX & XXXX. If in fact a bankruptcy has been dismissed, Is n't it unfair that such bankruptcy should be held against a consumer when the consumer did not go through with the bankruptcy? It automatically becomes public record when you file, I understand this. Why though, when the smoke has blown over and the bankruptcy is dismissed for non payment, change of heart, etc ... is the bankruptcy to remain public record? Its insane, and it hurts the general public to be able to exercise their right to in fact change their mind about such a big change to their lives if thats what they choose to do! This bankruptcy has kept me from obtaining credit, and has hurt me in many areas of my well being. It 's down right embarrassing, and unfair that it is held on reports and it is n't completely legitimate because it was dismissed. Section XXXX & XXXX grants me, the consumer the right to know what, and who is reporting on my credit, as well as names of people associated with investigations and the method of verification used to report this information. They have not complied, and I want to sue for willful non-compliance. Seeking all damages possible. I have attached letters i have sent to each Bureau. I however have not attached their responses or receipts of my sending letters certified mail as i do not have the ability at this time to scan and copy these documents to my computer.. But I do have them and will get it done when needed and expeditiously as possible.
On XXXX XXXX 2016, I checked my credit on XXXX and had a total of XXXX hard inquiries removed from my report. I checked my account on XX/XX/XXXX and all XXXX hard inquiries were placed back on my account without sending e a reinsertion letter as required by FCRA 611. I have been calling Transunion every since and received no help. No one will transfer me, no one will connect me with the American representative or the fraud department. Multiple agents have been belligerent, some have told me they know what happened but that it is basically too bad and I will have to file a complaint because they will not fix it.
Debt was owed from my previous employer for which I worked as XXXX employee. They somehow personally made me personally responsible and damaged my credit. We have written them via certified mail and they refuse to answer proof of debt. Never notified me of a debt owed and called family members, harassed me, threaten to sue all for a debt that is not mine and ruined my perfect credit for which I lost a home refinance and credit card due to my lowered score.
The CBE Group at XXXX XXXX XXXX XXXX calls me repeatedly during the day and if there is a representative on the line, they say nothing. There is no response to multiple repetitions of " Hello? '' and " Is anyone there? '' After multiple days with multiple calls like this, I called back and spoke with a representative today and requested that they stop calling me and saying nothing and stop calling me during work hours. Not four hours later, I got YET ANOTHER call from them. This is n't even a legitimate debt, but that 's a separate bone to pick - they need to stop harassing me.
I have disputed the late payments on this XXXX XXXX account for months. XXXX  and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I have been forced to remain a customer of RushCard when on XXXX XXXX the company accepted XXXX separate deposits into an account with an expired debit card, an account that i had not used in over three years. Because the company gave me to other option i was forced to order a new card, because that would be the only way to access my money. I ordered a new card on XXXX XXXX and was charged {$4.00}. After waiting two weeks i contacted RushCard because I still had not received the card. After speaking with an agent i was told i could have the new card rushed to me within 1-2 business days. The Rep went through the process of updating my information and placed me on hold, and then hung up. I called back only to be hung up on XXXX more. Finally i was able to speak with another rep, whom i had to repeat my entire situation to, because apparently RushCard Reps do not make any notes on the account when they speak to a customer. So to my surprise this new Rep told me that i would have to pay {$30.00} for them to rush me a replacement card. I went back and forth with the Rep over this charge because i felt as though i should not have to pay for something that was not my fault. The Rep explained that she could send an email asking for the charges to be reversed, but she would have to charge the card in order for me to get the card in 1-2 business days. That was XXXX XXXX. It has now been 11 days, my account was charged XXXX for {$4.00} for a new card and XXXX for {$30.00} to expedite s shipping. And i still have not received my card. I have called everyday only to be hung up on every time I 'm on hold waiting to talk to a Rep. I 've also emailed the times, only to receive an automatic response saying i would be contacted within 12 hours, but I have yet to receive any form of response.
I have paid this account in full and satisfied my obligations. I would like this Negative Account removed from my Credit Report. 

This is listed on my negative Accounts XXXX and I paid it in full.