WillisBack/dataset-financial-user-claim huggingface dataset:
Recently I had the opportunity to talk directly with XXXX XXXX XXXX at XXXX XXXX, CA and felt inspired to reach out to discuss an issue that occurred through one of the biggest military savings bank, USAA, in 2015. I had heard some of the benefits of SCRA and did plenty of research. I reached out to USAA and asked them if they would honor me, a 17 year XXXX XXXX XXXX, with SCRA benefits, for ex. lowering my APR on credit card bill. They responded with not only a no, we ca n't do anything for you, but stated that it only is good for those members that recently XXXX or were XXXX, and it 's only good for 60 days after you return or moved. I stated to them, per the law, these benefits were to extend to a servicemember during their entire commitment to the military and would terminate 30-90 days after discharge from the service. They stated that I was in fact incorrect, and that they were only required to cover a member with benefits from SCRA if they were XXXX. They even had a clause that stated if you achieved a XXXX, that it may qualify you for the SCRA benefits. I submitted my XXXX, and they stated it was too far out of the window. I have copies of both denial letters. My frustration is that other banks can honor different things with the same law. I 've had some military members ask their bank about SCRA and they had granted the lower APR while on XXXX XXXX even if there was a debt incurred prior to active service. Some actually received back pay for their credit card interest over 6 %. Maybe it is my own personal feelings, but how is this equal that a person can incur massive debt prior to the military, apply for SCRA and have his APR reduced to about 6 % and it remains active for 20+ years but a young XXXX that was a bit more financially responsible can not receive the same benefits if they inquired about SCRA the first day after enlisting? They may choose to spend the next 20 years fighting for a lower APR by constantly charging higher APR credit cards that they qualify for, take out several loans, store credit cards, trying hard just to maintain their credit and perhaps never reach a 6 % APR? According to USAA, you only can qualify for SCRA benefits if you have orders to PCS or deploy and that will only be good until you return to your homestation.
I called Transunion 's customer service dept about inquiries that had been on my Transunion file. These inquiries were deleted and later reinserted without prior notification. TransUnion customer service would n't take care of it. 

Section 6:11 of the Fair Credit Reporting Act that states anything that is deleted from your credit report and reinserted, the consumer is given a 5 day notification after that item is reinserted. I never received any notification from TransUnion regarding the reinsertion and yet they refuse to remove the inquiries listed below. 
I would like these items to be removed immediately because they have violated my rights under the Fair Credit Reporting ACT. 

XXXX XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX Thank You, XXXX
XXXX XXXX, acct. no.XXXX  ...., though reporting correctly on XXXX  and XXXX  ( attached report ) has a minor error on Transunion that makes it a negative. 
I've only seen this on a 3rd party report, since Transunion online has technical problems and I can't get online.I 've called the number Transunion gave me and the technical people said it was fixed but it isn't. 
The problem on the XXXX acct is that even though it says 0 days late in the history, it says verbally '' pays 30-59 days '' .Please correct this error.
Beginning of XXXX I received a letter regarding a medical debt. I only was provided with the amount and account number, no service date. I called an the creditor stated that the debt was owed. I asked for clarification since the doctors office stated that insurance information was provided. I also informed them that by law a XXXX recipient was not liable for medical debt, therefore the collection efforts are to resolved by the debtor and insurance. Mid XXXX I received another notice regarding the same debt. again no date of service or clarification. Called the creditor to explain that this is illegal and to stop sending notices. Creditor rep became nasty and I terminated the conversation with a goodbye.
I submitted a mortgage application with Fairway Independent Mortgage Corp and worked with Loan Originator XXXX XXXX XXXX ( License # XXXX, XXXX # XXXX ). The initial mortgage application was submitted on XXXX XXXX, 2016. I then paid for an appraisal on XXXX XXXX, 2016 in the amount of {$470.00}. During the 2 month process there was a lack of communication from the loan originator and then XX/XX/XXXX I was told that the loan was denied. I then left a voicemail and sent an email to the loan originator requesting a copy of the appraisal or to refund my {$470.00} appraisal fee. The loan originator never returned my call or email. I then received in the mail a Statement of Credit Denial from Fairway Independent Mortgage Corp on XXXX XXXX, XXXX never received a copy of the appraisal and since Fairway Independent Mortgage Corp is n't proceeding with the loan I feel they should be required to either refund the appraisal fee or produce a copy of the appraisal.
Wells Fargo, appeared o my credit reports, with a balance of over {$11000.00}, I contacted them by mail, since XX/XX/2015 to XX/XX/XXXX. 

I have further written to them, and has provided with police report, and letter, stating that this account was opened fraudulently. 

I was told, that I needed to make payments, in order for this issue, not to be reported on my credit reports. 

Therefore, I have paid about {$4000.00}, or so on this fraudulently account to prevent them from damaging my credit worthiness. I have filed with this Agency before about this issue. Yet, WELLS FARGO refuses to clear this for me, knowing, that I did not apply for any credit cards with WF. 

I have spoken to date with every ne in the customer services dept., supervisors, managers in the fraud department, and with the headquarters/executive officers, Yet, they continue to request payment s on this account, which is definitely were not opened by me. 

How wf opened this account, when I am I A M A VITIM OF IDENTTY THEFT, AS WELLAS A FRAUD VICTIM, IS BEYOND MY COMPREHENSION. ALL THREE MANOR CREDIT BUREAUS HAVE A FRAUD ALERT ONMY PROFILES. 

I Refuse to take any other payments on this account, when they still ruined my credit worthiness, and I WILL NOT BE LABLE FOR THIS FRAUDLENT ACCOUNT. FURTHER REQUEST THROUGH WELLS FARGO, TO EFUND ME BACK EVERY PENNY, INWHICH I HAVE PAID THEM, YETTHEY DECIDED NOT TO ACKNOWLEDGE MY REUESRTS AT ALL, AS FAR AS I AM CONCERNED, I CAN SUE OR OPENING A FRAUDLENTLY ACCDER MY INFORMATION. I INTENT TO DO SO, IF THEY CONTIUE TO NOT COMPLY WITH MY REQUESTS. 

WELLS FARGO IS A FRAUD CREDIT COMPANY, INWHICH, TEHY FRAUDLENTLY OPEN ACCOUBTS UNDER FRAUD VICTIMS PERSONAL INFORMATION, ANDREFUSE TO MAKE ANY CORRECTIONS TO SOLVE THE ISSUES AT HAND AT ALL. a letter from wells Fargo, states an account ending in # XXXX, balance : {$11000.00}, IN WHICH IS ALL FRAUDLENTLY CHARGES ONTHE THE FRAUDENT OPENING OF THIS ACCOUNT, IN WHICH I have never received, JUST BILING S INTHE MAIL. 

THEY Also HAVE MY NAME WRONG : " XXXX XXXX WITH PARTIALLY INCORRECT ADDRES : XXXX XXXX XXXX, XXXX XXXX XXXX ', THIS TOO IS INCORRECT.
I applied for auto financing and they advertised a 0 % for 72 month loan and when I applied they refused to give me the rate even though I had good credit. I asked for information of the qualifications and was refused the information.
Equifax has denied me and others from being able to view my credit report. I called in to inform Equifax of certain inaccuracies on my report and from that point on I 've been mistreated by Equifax Office of Consumer Affairs. I have been hung up on and yelled at from several employees in the office of consumer affairs and its manger or supervisor by the name of XXXX. She has instructed her employees to not even verify me and call me out by my name without verifying my identity. Now when I call I ca n't even reach an agent. They just blind transfer me to an empty voice mail based on my caller ID when I call in to get service on my file.
While reviewing my free annual credit reports from TransUnion, XXXX, and XXXX, I noticed an open account with XXXX XXXX from XXXX 2018 that I never applied for or requested with a limit of {$8000.00} that have not been used. I am not sure if this is an error or a fraudulent transaction, but I also noted there were hard and soft inquiries from the same company on the day the account was opened, XX/XX/XXXX of 2018. The information listed on the TransUnion credit report is " XXXX XXXX '' and account number " XXXX. '' I have no other information regarding this account because I have never received anything in the mail to my physical address or through my email.
I have a forbearance from XX/XX/XXXX- XX/XX/XXXX. These accounts are reporting 90 days late on my credit report.
In XXXX of 2015, upon retiring from the XXXX XXXX, I initiated contact with XXXX XXXX with the expectations of initiating my first home purchase utilizing my VA home loan benefit. After conferring with a real estate agent that worked for XXXX XXXX ( the wife of a former friend of mine ) she convinced me that I should have a XXXX bedroom home built in the XXXX XXXX XXXX XXXX neighborhood of XXXX XXXX, Florida. During these initial consultations, the agent convinced me that I would have to tender a down payment " in order to guarantee my desired lot location ''. Considering that this purchase would be a VA loan, I was hesitant at first, but she insisted that my money would be returned upon closing of the home. Furthermore, she also stated that the only way that I would lose my down payment was if I backed out of the purchase agreement. Believing this, I tendered the required payment via my wife while I was XXXX as a XXXX XXXX in XXXX. After six months in XXXX, I received news that I had been accepted for hire by the XXXX back in my home town of XXXX, Florida. Upon receiving this news, I returned home expecting to start work immediately. Upon returning, I was informed by the XXXX that it would take a few months to complete all of my new hire paperwork. During this time, my new home was being completed, with an expected completion date of XXXX. I returned home at the XXXX. Once I learned that my hiring would be delayed by a few weeks to a few months after completion of the home, I shared this information with the XXXX XXXX mortgage broker. Without any further consultation with me, she promptly informed me that my home purchase would have to be cancelled until such time as I could prove that I was receiving a pay check from my new employer ( during this time, I was receiving retirement and XXXX compensation, as was my wife, totaling approximately {$XXXX} a month, which would balloon to $ XXXX a month once I was able to start at XXXX XXXX XXXX XXXX ). Although I was disappointed by this decision ( I really wanted that new home! ), I capitulated to their decision and requested that my down payment money be returned until we could start the process anew once I received my firm hire date. Upon asking for the return of my funds , XXXX XXXX personnel informed me that my money would be forfeited as " damages '', but that I could receive the funds back if I purchased a different home within six months from the date of their forfeiture decision.
Applied for Capitol One Justice Credit Card. Received a denial letter stating reason was " legal action pending against applicant ''. It does not state with whom either. As far as I know I have no legal action pending against me.
Portfolio Recovery Associates have repeatedly harassed me in the form of phone calls to get me to pay this debt I don't owe due to identity theft. Now they're threatening litigation, which they legally can not do because they have the wrong person. Whatever amount they're claiming I owe, this isn't true. Everything they do is in fraud. In fact, they're known to have people pay in full, and then charge them again and again to pay ( after it's paid off ). This company is known to call up daily before, during and after working hours. I have repeatedly reported them to the FTC for breaking the do not call list. Everything this company does is fraudulent when it comes to debt collection, and I'm not paying them anything because they have the wrong person. Their behavior must stop immediately.
Equifax has not sent me a complete credit report with all my pages missing. Also the practices of updating current accounts paid off. Sending reports with missing pages. I also have a block on promotional and marketing and third parities does not have my consent nor have I given permission or sign anything to sell my info or share with out my consent.
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX Also, by Equifax Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Equifax aware of this they have not done an accurate investigation on XXXX XXXX XXXX XXXX XXXX. So, I checked the Secretary of State Texas Debt Collections Division website and found out that XXXX XXXX XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another Investigation to remove them from my credit report please.
Ever since I hired an attorney to defend my foreclosure case, my servicer, Wells Fargo, has sent *all* correspondence to my attorney, including escrow disclosures, monthly statements, and correspondence about my account. I have not asked Wells Fargo to send this correspondence to my attorney. In fact, my attorney asked Wells Fargo 's attorney to make sure this correspondence is sent directly to me. I would like Wells Fargo to send all of its correspondence to me.
I have a vehicle on my credit that i dont own and never purchased. Its in correctly on my credit report from gateway one.
First, I attempted to register with XXXX so I could monitor my credit but I was unable to successfully register due to " incorrect information '' error. Later, I attempted to get my credit reports from XXXX. This too was unsuccessful and I fear that the credit bureaus may have my information wrong. 
Attached are documents regarding my identification. 
Thank you
Experian Credit reporting. I filed 30 complaints on this stuff and here is shows up again. Serious Delinquency, past due and other negative information.
I have been a customer with Regions Bank since XX/XX/XXXX. I opened this check account in XX/XX/XXXX. On XXXX XXXX, XXXX my checking account was debited XXXX times for {$190.00} for XXXX XXXX XXXX purchases. I noticed these charges on XX/XX/XXXX and immediately went into a Regions XXXX on XXXX XXXX and filed affidavit charges. They explained to me the charges could take 7-10 days before they are reimbursed. I let them know at that point I had been a customer since XX/XX/XXXX. 
There were also charges pending for {$180.00} XXXX times from a company called XXXX, and a {$60.00} charge from the same company. I filed a second affidavit XX/XX/XXXX for XXXX charge of {$180.00} that had cleared overnight. I went back to the bank and withdrew my remaining funds before the crooks continued to clear out the rest of my money. I was told at that point that I did not need to fill out a XXXX affidavit for the remaining charges. On this day XXXX XXXX, XXXX I have still not been refunded for all the fraudulent charges. I have notified the police in my city and have a case number.
I pulled my credit file and found XXXX chapter XXXX a couple months apart And XXXX liens so I called the court house and was told verbally That they do n't report to the Credit bureau 's
I have contacted XXXX regarding a loan that I had with Springleaf financial as of today I have disputed it with all the credit agency and them numerous times that issue that I have is that in XXXX 2016 they said that I made a XXXX dollar payment on my account which I have not paid a dollar on the account the account is in accurate the amount owed is in accurate the timeframe is in accurate and the whole account is just wrong they refused to remove it they are very very rude I 've asked them to validate the debt and they are not doing so they just keep updating the information I do not owe the {$740.00} the account balance from the last record that I had was XXXX dollars they will not tell me where they arrived at the {$740.00} they will not provide me any documentation showing any information about the debt all they give is the date and the amount that 's it
We paid off loan # XXXX with Statebridge Company, LLC in XX/XX/2015. I have still not received notice that it has been paid off. I have called them numerous times in the past and left messages regarding this issue and have not received any phone calls back. At the time of our payoff, Statebridge had messed up the amount owed so badly that I filed a complaint against them. After paying off the loan, I had spoken with a representative regarding this issue and they told me we still owed {$5000.00}. After clarifying that issue, which was very time consuming and involved getting our new lender, The XXXX, involved we received notification from XXXX XXXX of Statebridge that we did not owe anything and the loan had been paid in full. We were informed that we would be receiving notification in the near future. I have never received any notice that this loan had been paid and am concerned about when we try to sell the properties in the future that are on this commercial loan. As mentioned earlier, I have contacted them several times since XX/XX/2015 and my requests go unanswered. I am aware of numerous other complaints against this company and am quite surprised that they are still in business. The loan was in the name of my business XXXX XXXX, XXXX.
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian 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. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I have been trying to verify my debt and am getting no response whatsoever to my enquiry.
We have received a 'notice of default and intent to accelerate ' from XXXX XXXX XXXX . We have already been through arbitration and modification. Our first payment was " lost '' by XXXX. We are retired and on a fixed income. XXXX opened an " insufficient funds '' account. After forced placed flood insurance, attorney fees, late fees, ect., our 'amount due ' went from & XXXX in XX/XX/XXXX to {$4000.00} in XX/XX/XXXX to {$9400.00} by XX/XX/XXXX. Since our social security money is deposited on the third week of the month we were unable to make payments on time. We increased our payments from {$1100.00} to {$1300.00} to make up for flood insurance and late payments. We have paid every month. It's impossible for us to match the fees that are injected into our account. Default is built-in. Our last application for mitigation was cancelled.
SUNTRUST BANK has continued to fail in being able to manage the simplest of accounts.

I have explained and shown ALL supporting evidence to the local bank manager, and explained that I don't have a fax machine and have to pay for city parking as well as sacrifice half my day to constantly correct SUNTRUST BANK errors.

Now, they are requesting I fax " A sales receipt. '' for a transaction that NEVER happend with SUNTRUST. 

SUNTRUST never paid the seller! 
XXXX doesn't show the transactions! 
SUNTRUST refused the charge THREE times and then keeps the money making me have to file a dispute.

I had to pay with another bank since SUNTRUST is incapable of being reliable on the basic level.

I can't fax " A copy of the original sales receipt ( s ) '' Proof of payment by other means ( receipt, copy of front and back of canceled check, copy of credit card statement with full account number ) Because that's not how this purchase works. 

SUNTRUST stole the money. 
XXXX shows no successful transaction because SUNTRUST refused the charges. 
Yet SUNTRUST is trying to keep the money because that is what SUNTRUST does. 

I've attached a screenshot of the successful transaction from my XXXX account. 
Please note : the {$1.00} difference is from a " XXXX credit '' I used on another transaction, but the seller and dates are the same.
Synchrony bank has reported that a credit card was late. I 've called the company several times to resolve this issue. Every time I was told no problem the payment has been made. Obviously they did not notated anything as I am still being harrassed.
Experian committed fraud and damaged  my credit score. I comp lained to a Experian associate on  XXXX / XXXX / 2017  about  XXXX  collections on my report that were wrong and low and behold on  XXXX / XXXX / 2017  Experian made the criminal action of dropping my score  XXXX  points for no other reason than spite! There is not one single solitary change on my report that would cause my score to drop in 3 days! There needs to be a government agency to watchdog over these corrupt credit reporting agencies. On their website they offer no reason as to why they dropped my score  XXXX  points and I checked the other agencies my scores actually went up so I only can figure Experian has broken the law and damaged my credit for no legitimate reason. I 'm getting tired of having to complain all the time with the corruption that goes on with these agencies. I know this complaint will probably do nothing and I 'll probably have to contact my attorney but I 'm trying to find a solution before it has to get to that point.
There are three adverse reports on my credit report. They are from collection agencies with who I never entered into agreements. The collection agencies purchased debt that was written off by hospitals which provided me treatment. Having written off the debt my obligation to pay the hospitals ended.
I reached out to this company and credit bureau to inform them both that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the Barclay a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to the letter directly, which is a direct violation of the fair credit reporting act.
on my credit report it shows that i have a open collection with MIDLAND FUNDING LLC for the amount of {$910.00} this was part of my Bankruptcy and should not be listed as open