WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX still has XXXX different listings for XXXX credit card account on my credit report. If XXXX was brought there is not supposed to have the original and a new debt listed illegally with a different amount. Also the amount is different when there is no way that I owe a different amount from XXXX credit card that was actually closed by the time of listing. I closed the account on my own which is XXXX listing. And the other says that is was closed for a higher amount of money with a derogatory label listed as well. I am having a hard time getting information and receiving action from XXXX with their reporting for my credit report in general. So I would I appreciate your assistance in this matter and I would like the duplicate removed and checked on all XXXX of the credit reporting agencies as well.
I am a XXXX and currently a graduate student at the XXXX. I was trying to book an Air BnB but was prompted at the end of my booking that it could not be processed. I was well under my credit limit and had just recently paid my Barclay credit card. I called Barclays on XX/XX/XXXX ( US ) and was told that I only had {$270.00} of credit available. I assumed that my card number had been compromised and unauthorized purchased had been made. However, the representative told me that my credit limit had been lowered by {$700.00} due to information they received on XX/XX/XXXX ; therefore they dropped my credit limit that day. The fastest response time I 've ever seen. It takes 45 days to get a response to a complaint. The said they send a mailing to my address on file and that would have taken 7-10 days. No call, no email, not express, and no XXXX message ; as I had been in contact with Barclaycard 's during that time via XXXX and they were accessing my account information. In the last two weeks, I had a reimbursement put on my Barclaycard that was {$900.00}. Nonetheless, the manager I spoke to said this was a 'credit ' and not a 'payment. ' As I explained, I am overseas and was trying to avoid the time-consuming hassle of getting the payment in cash depositing it in my XXXX and then transferring it to my U.S. bank to make my monthly payment. They said I still needed to make a 'payment, ' so I made my monthly payment as well. The same day they replied to my XXXX message complaining about the customer service was the same day they lowered my credit amount. Barclays had just received XXXX the monthly minimum the same month they reduced my credit by {$700.00}. I could have just as easily nickeled and dimed them with minimum payment or taken that 'credit ' in cash but I was responsible. I raised a fuss on social media and had my credit downgraded. My credit rating had been steadily rising in the last year to around XXXX when they decided to lower my limit. I have XXXX credit cards including the Barclay card with a balance of around {$450.00} and a previous credit limit of {$1600.00}. I also have student loan debt like everyone else. I 'm unclear what this credit report could have said when I have been on top of my payments, and my credit score has been increasing each month and each year for the past two years. My ability to access Barclay via the app for the last 7-10 days has been nonexistent or significantly limited en=ven though my app is up to date. My XXXX address is XXXX. XXXX XXXX XXXX. I am currently living at XXXX. XXXX, XXXX, XXXX XXXX. Any paperwork they have sent has not arrived and I have received no information via email, app, or XXXX.
Greetings, I have initiated a multiple disputes with Experian over the past few months to remove unauthorized Inquiries they have failed to fully validated that I initated. It has been well over the 30 days given for Experian to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Experian including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized inquries belongs to me aswell. Below are the reporting Inquiries that should be Removed / Deleted from my Experian credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 )  XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX Experian Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXXXXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX
I have a {$100.00} Visa gift card I was saving to purchase a new computer model when it became available. I held the card for a few years. When I went to use the card it had {$6.00} dollars available. Well I did not read the fine print about having to register the card and pay an inactivity monthly charge. I was disgusted and felt robbed. The card was used well within the expiration date. I think the consumer should be protected from this thievery. I will never buy another Visa gift card. The consumer should be protected from this type of gift card policies.
Big Pictures loans gave me a loan of {$600.00} on XX/XX/. I made 4 payments of {$150.00} dollars each. First payment was made on XX/XX/XXXX. The Second payment was made on XX/XX/XXXX, the Third payment was on XX/XX/XXXX and the Forth was on XX/XX/XXXX. When I got approved for the loan a person spoke to me on the phone ( I dont know how to write or read in English, as is my Second Language ) and he told me that if I paid everything faster that wont affect my credit, there will be no interest or late fees since I am paying faster than agreed ( I made bi-weekly payments instead of monthly payments ). Now they forcing me pay 6 payment of {$110.00} dollars every weeks in addition to the money I already pay. I understand I need to pay interest but it seems extreme for me to pay all this interest since I already paid the principal. They are taking advantage of me because of my limited English skills and my lack of knowledge of the financial system in this country.
Hello, This complaint involves the three credit bureaus I sent 2 letters to all three credit bureaus about identity theft and foreign information on my account. I spoke to them on the phone, as well as, sent disputes along with police reports and correct information. The wrong information remains on my credit report and it I causing a negative effect in my life. 
Experian : There is foreign wrong address and an identity theft creditor on my account. I have an affidavit for this account. Also there are inquiries from my credit report that were not mad by me, they were from identity theft. 

XXXX : There is another wrong address which is foreign to me, along with the same creditor of XXXX XXXX which is identity theft. 
XXXX : The same creditor XXXX XXXX ( identity theft ; fraud ), and XXXX is on my report ; along with inquiries from XXXX, that were not made by me. 
The only response that I received was extending a credit freeze and they updated a personal statement on one of my credit report.
XXXX has billed me {$480.00} for an account they claim was opened on XXXX XXXX XXXX. I have not been a XXXX customer since XXXX and my account was settled and closed at that time. XXXX is now claiming in error that I owe them for this closed and settled account. This bill was sold to a collection agency and has now hit my credit report and is affecting my ability to secure credit including a home loan. I have contacted XXXX but they have not been able or willing to resolve this issue. I am asking the XXXX to exercise it 's rights and duties under the authority of the XXXX and President of the United States to investigate this error in billing which has placed an undue burden on me and my family. The CFBP 's duty is to protect the consumer from such unlawful and unfair practices. 

I was made aware of this false and erroneous debt when I recently checked my credit report. I was never contacted by XXXX about this issue or this bill. This account needs to be expunged from mt credit report immediately as it is having an immediate and ongoing detrimental affect on my quality of life and ability to support myself and my family. 

Your prompt, thorough and corrective response is greatly appreciated and much needed, Thank you
Southwest Credit Systems is trying to collect a debt for XXXX XXXX which is not mine. The person whom they are looking for has a similar name but different social security number.I have received harassing and threatening calls and they reported the false information to XXXX This derogatory information is preventing me from closing on my new home. It 's frustrating and unfair. As a consumer I feel powerless, how can I protect my credit from such situations. I have contacted Southwest Credit Systems several times and although they have admitted the social security numbers are different they refuse to remove the false information. The XXXX has contacted the company 5 times and each time Southwest Credit Systems ignored their letters and email. XXXX is also currently waiting to hear back from Southwest Credit Systems but they have yet to respond to them. I do not know what else to do. All I am asking for is a letter to clarify that I am not who they are looking for so that I can close on my home and go on with my life.Please help me!!!
XXXX XXXX XXXX, its trying to collect on a credit card debt of more that 7 years. 
My clients number with them is XXXX Convergent account XXXX Creditor XXXX They have applied outrageous interest and charges to the original amount. 
I have asked to received and statement detailing charges, but have never received them. 
Also I understand this was charge of by the Original bank and I understand unless specified in the original contract ; they forfeit the right to charge handling or any interest after charge off.
The loan company made calls to my references when I was late on making a payment. They left a voicemail. In the message ( I have them recorded ) they mention who they are, that they are looking for me and to tell me to call his auto loan company immediately. So, my references then call me to tell me about how my auto loan company is looking for you. Then a few days later, they left me an automated message. The message basically stated ( XXXX ) that you need to pay your payment and to press one to speak to a LEGAL REPRESENTATIVE. This is flat out illegal, as these are not legal representatives. It just connects you back to the auto loan company. I also have a number of these recorded.
I applied for a Recast with my lender-XXXX. I received confirmation with instructions on XX/XX/2018. I wired {$200000.00} to XXXX  along with completed documents on XX/XX/2018. The deadline was XX/XX/2018. My objective was to lower my mortgage payments from {$2100.00} to {$1100.00} to allow me to stay in my home ( husband died of a XXXX XXXX and I am unable to work due to an XXXX of my XXXX XXXX   ). I received a letter on dated XX/XX/2018 on approx. XX/XX/2018 stating my loan had been transferred to XXXX XXXX/XXXX XXXX. I am being told I need to restart the Recast process with no guarantee they will comply.
I went to the Equifax site to see if my information was affected by their security breech. This would have been around XXXX XXXX. Their site said I was n't affected bu that I could still register for free credit monitoring. However, rather than do it automatically or allow me to do it manually right then, the website tells me to return to a site on the XXXX. ( I believe that if I did n't do it on the XXXX, I would have to start over. ) I returned on the XXXX and filled it out. Then I had to wait to get a verification email. On XXXX XXXX, I got that email. Not especially helpful is the fact that the email comes from an email domain that is trustedid.com ( via XXXX ) but it includes a link to a different domain, https : //trustedidpremier.com. I clink on the link in the email and it takes me to a page that always says " System Unavailable. We are unable to process your request at this time. Please try again soon. '' I tried multiple times over multiple days with no change. 

I then called the phone number in the email from the XXXX. The operator manually checked my credit to verify my identity -- but with questions that I 'm not going to have handy ( What was the amount of my car payment 7 years ago, etc. ). Having passed that check, I am now waiting 48 hours for yet another email and then I need to click on that email and then fill out more information. 

The point is quite simple : Either this system is incompetently designed -- or it is purposefully designed to make it almost impossible to successfully enroll in the Equifax credit monitoring program that results from their latest data breach. I have used a lot of websites and I ca n't recall anything as onerous and inefficient as this process. 

It is hard to believe that Equifax is not throwing up barriers to enrollment in this program. There is no way that the design of this enrollment is a good faith effort to help people ; quite the contrary it would seem. 

I 'm pasting in the content of the email as a reference : Your Activation Email is Here Dear { removed }, It is time to take the final steps in enrolling in your free product, TrustedID XXXX, by verifying your identity. To do this, youll need to answer some questions about yourself. Successfully completing this step will conclude your enrollment process and activate your product. 

To verify your identity and activate your product, please click the link below : https : //trustedidpremier.com/XXXX XXXX { removed XXXX This link will remain active throughout the enrollment period, which expires on Monday, XXXX XXXX, XXXX. 

If you did not request this email or if you have any questions, please contact us at XXXX. 

Sincerely, Your Equifax Customer Care Team
I continued to receive collection notice from NES National Enterprise Systems and XXXX regarding owe XXXX Bank and XXXX XXXX XXXX XXXX XXXX. The XXXX Bank Account was close with me not oweing them any money ( NES National Enterprise XXXX and XXXX ( XXXX XXXX XXXX XXXX XXXX I never hear of them nor be to their Office. Please investigate these agency and ensure they are legal company and running their business according to United States Federal Regulations.
The following number, XXXX started calling me on Tuesday, XX/XX/2018. They have called me multiple times, but will not leave a message.

I finally called them back yesterday, XX/XX/2018, and asked them why they were calling me. They immediately asked for my Social Security Number, which I did NOT give them. They could not answer as to why they were calling me repeatedly. I asked them to be be removed from their call list.

They called again today, XX/XX/XXXX, while I was in a meeting. I called them back again, and recorded the conversation. I asked once again to be removed from their call list, and notified them that they were also being recorded. They told me that was against their policy, and that i could not record them. I replied that i was located in Ohio, and was allowed to record them, especially since they were also recording me.

The lady said she would have my number removed, and yet they still tried to call me again later in the afternoon.

I looked up the number, and it appears to be Seterus Customer Service. I have never heard of this company, and do not have any idea as to why they are calling me. 

I want the calls to stop immediately, or i will be taking legal action against them for harassment.
I recently disputed a mistake on my credit on transunion the account name was " XXXX XXXX XXXX XXXX '' it was removed.but the company is reinserting the credit report with my concent but transunion is not putting it back on.it 's showing that I don't have no credit, I have been trying to resolve it for the past four month and it's affecting me in my day to day life. I have attached documents proving that the creditor sent the reinsertion form.
On XX/XX/XXXX my FHA mortgage was transferred from XXXX  XXXX XXXX to Carrington Mortgage. Since the transfer, I have made both the XXXX ( online payment ) and XXXX ( telephone payment with bankruptcy representative ) payments to Carrington Mortgage. However, on XX/XX/XXXX, I received a monthly statement from Carrington showing that my XXXX payment had not been applied to my account. It was being held in a " suspense '' account. The statement also indicated that I owed {$10000.00} due XX/XX/XXXX. 

I immediately called Carrinton and was transferred to a bankruptcy representative who stated that something happened with my XXXX payment and caused it to be sent to a " suspense account ''. She said she would put in an order to have it applied to the account. However, she also stated that Carrington could not find my payment ledgers from XXXX XXXX XXXX, and because of that, they had no record that I had made payments from XXXX. That's why they were billing me for the {$10000.00}. I contacted XXXX  XXXX XXXX and was told Carrington had received the payment ledgers along with all of the other loan documents during the transfer. XXXX  XXXX XXXX also faxed a copy to their bankruptcy department ( addressed to XXXX ). 

I called on XX/XX/XXXX and even after receiving the payment ledger fax from XXXX  XXXX XXXX ( which had not been scanned into my account, but showed as received by XXXX ), Carrington still has not resolved this billing issue. 

If this issue is not resolved in a timely manner, my attorney will have to take legal action against Carrington Mortgage.
I have not received notice of this account from the collection agency. I only learned of this account while monitoring my credit report.
Hi my name is XXXX XXXX and I am contacting you because all 3 credit bureaus are still sending my personal information to the wrong address as well as false reporting balances on my credit cards that I have already paid off but the credit bureaus are reporting that I owe high balances which is not true. I have been having issues with these 3 credit bureaus for yrs now and I would appreciate it if they were made to correct the mistakes I keep making them aware of. Let me first start by saying my correct mailing address is XXXX XXXX XXXX XXXX ny XXXX and this is the only place any response should be sent. Secondly my only phone number that should be on my credit report is XXXX any number besides this number is fraud. Thirdly the balances on my XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX card need to be updated with correct balances because the credit bureaus are reporting balances that are incorrect. Also there is several addresses on my XXXX report that are fraudulent and do not belong to me and I would like removed. The only two address that should be on my report is my former address which is XXXX XXXX XXXX and my current address which is XXXX XXXX XXXX XXXX ny XXXX. Also my Equifax report is not showing my employer which should be on my report which is XXXX XXXX XXXX XXXX.
On XX/XX/18 a transfer was initiated from my mobile APP of {$1000.00} from my checking account to what was suppose to be my Saving account however after checking the saving account there was no money in the account. after checking the account it appears the transfer went to my credit card account ending in XXXX. Immediately after the transfer I had called the bank to cancel the pending transfer and instructed the representatives to move my money back to my checking account immediately as the funds will be needed. I was instructed to wait till the payment posts to the credit card account at which point the refund can be requested, this is not acceptable as the transfer was just initiated and should/could of been canceled immediately by the bank. Spoke to a manger by the name of XXXX XXXX - manager advanced client services who then advised the transfer would take 2-5 business days to process. This timeframe is unacceptable by all means from a large financial institution and the bank should do better to allow for these errors to be fixed immediately not 2-5 days. Due to the banks restriction on the use of my own money I am not able to make a large purchase that I need to complete within the next few business days which may result in a large financial loss on my part. If such a loss is incurred the bank will be held finically responsible at which may result in a lawsuit being filed with the courts.
Receiving phone calls from the National Credit Adjusters debt collection company. Their number, XXXX has come up on my work phone numerous times and I 've answered but no response on the other end until today at XXXX MST, XXXX/XXXX/2016, I received a call from this number and finally had someone on the other end, XXXX XXXX. He stated that they have called several times and when I told him that I did not recognize the creditor names and could not talk to him because I was at work he threatened to take legal action to collect on XXXX loans from pay day companies I do not recognize. He also stated that he spoke with me a while ago but I do not remember speaking with this company or the names of the loan companies he is collecting on behalf of. I asked him to send me something in writing and he insisted that they already did. I told him I could not speak with him at this time because I was at work and to please mail it again but he just kept repeating that they already mailed it and what was my plan... I hung up on him because he kept insisting and was becoming more agressive.