WillisBack/dataset-financial-user-claim huggingface dataset:
This dispute is against Equifax. When trying to refinance my mortgage I discovered I have no credit files, no credit score and my date of birth was changed from XX/XX/XXXX too XX/XX/XXXX. I immediately put a fraud alert on my credit files. Equifax has done nothing to correct these issues. They only corrected my date of birth. This would seem to be an easy fix but it has been a nightmare. Equifax needs to correct this now as I can not refinance my high interest rates.
I purchased XXXX new cell phone at XXXX XXXX ( XXXX XXXX, Ga ). Two months later I found out that XXXX XXXX opened up XXXX cell phones numbers under my name because of a collections notice that I received. I went to best by twice to resolve the issue. The first time the XXXX representative spoke with XXXX in front of me and stated that the issue will be resolved and it wo n't change my credit. Three weeks later I found out that it did get reported to my credit as an account in collection. I am currently seeking gainful employment and this will have adverse effects since i 'm in law enforcement. The XXXX XXXX managers name is XXXX XXXX ( XXXX, and he stated that he would repeat the process that was already taken the first time. He also refused to acknowledge the situations in writing. I have an interview for a federal position in a few weeks and this issue defames my image severely Thanks, XXXX XXXX
I have contacted Chase several times that I do not owe charges to XXXX XXXX Gift Cards. They claim I never returned them, I provided a tracking number that I did. They claim I used them, I showed proof of the gift card denial of charge at a merchant. I filed a dispute back in XX/XX/XXXX and they tried re-billing me four months later. Then they tried rebillingme for another charge two months ago. The charges were approx. {$5000.00} each, totalling {$25000.00}. I am very upset and this is not fair. They have 60 days to resolve my dipsute which they did resolve it in my favor. But now they changed their mind by re-billing me and saying that they are valid. They even sent me a letter saying that they were resolved in my favor. This was on XXXX different credit cards XXXX ending in XXXX and XXXX. They can not re-bill me four months later and nine months later. I have even contacted them more than multiple times. They told me they 're closing down my credit cards with them and ending my relationship because of false disputes, which I did not do.
I bought a water softener for our new home and financed it. I paid off the loan within the first month. XXXX of the credit agencies is still showing the total amount due and has me at a lower score.
On XX/XX/XXXX I visited the Speedy Cash located at XXXX/XXXX and I requested a payday loan in the amount {$850.00}. I tried to pay this amount with a loan from the company I work for and they refuse to give Goodwill the XXXX so the check could be issued. Speedy cash is taking {$210.00} dollars every two weeks from XX/XX/XXXX until XX/XX/XXXX. Which means I will be paying {$2500.00}. This is outrageous. I dont make that much money, this was not explained to me, and clearly constitutes predatory lending. I am ok paying a razonable interest amount, but what they are charging me more than 3 times what they lend me. Please help me to rectify this situation.
I have gone through relentlessly with XXXX on the reporting of my account. They have sent me a letter stating that the account is not reporting to any of the bureaus. Please remove this account from my credit report.
72-month used-car purchase loan for me ( a senior citizen ) from Wells Fargo and 72 payments made on the loan. 2 payments deferred until the end of loan as allowed by Wells Fargo. An insufficient disclosure was given to me stating that the deferments would require that more than 72 payments be made on the loan given how 2 months of interest payments would be deducted from each months payment subsequent to the deferment before reducing the principal balance. XX/XX/2018, statement received with a due date mentioned of XX/XX/2018. I was advised on XX/XX/2018, via letter that the remaining balance was due on XX/XX/2018. There was no " 10-day '' notice provided. Statements for XX/XX/18 reflect late charge may apply after XX/XX/18 and also indicate payment due XX/XX/18, statements for XXXX and XXXX reflect a similar pattern. I contacted Wells Fargo numerous times saying balance appears inaccurate. I contacted Wells Fargo on XX/XX/2018, and entered into an oral payment arrangement with Wells Fargo and made subsequent payment the next day in the amount of {$200.00} which they posted on XX/XX/XXXX. I was contacted subsequently by Wells Fargo who informed me that my account was in charge-off status. The accounting that Wells Fargo has provided to me does not agree with the balance as indicated on my statements or credit file ( charge-off ). Wells Fargo by placing me in " charge-off '' status has cut-off my access to my online Wells Fargo loan account so that I am no longer able to do any research into the balance on my own. Even the accounting that they provided to me ( please see attached ) when I questioned the balance yet again does not reflect the amounts they are reporting to the credit bureaus {$1000.00}. Also, the last due date reflected on their accounting was XX/XX/XXXX, so how could I be late on payments? They need to provide new due dates. Please see attached. I have asked to speak with the complaint department and was transferred to a telephone line where no one picked up and there was no way to leave a message. I tried online via the Wells Fargo website to locate a complaint address ( physical or email ) and was unable to do so.
The newest transaction history dated XXXX/XXXX/16 shows on XX/XX/XXXX : XXXX certified mail costs and XXXX property inspection fees, and a late charge for {$290.00}, but does n't show an increase in the Suspense Fund balance. These fees and charges were supposed to be credited back to me because of a mistake Ocwen had made. 
I received a billing statement dated XXXX/XXXX/16, which seeks to charge me {$340.00} for fees and charges all over again and another dated XXXX/XXXX/16, which seeks to charge me {$350.00} for fees and charges all over again while at the same time using the refund I was supposed to receive from the credit of those same charges to pay for itself in the form of Suspense Funds in the amount of {$2100.00}, which as stated in the letter from XXXX XXXX from Ocwen 's Office of the Consumer Ombudsman dated XXXX/XXXX/16, my Suspense balance being {$1800.00}, the application of reversing the funds posted to late charges ( {$280.00} ) and expenses ( {$59.00} ) to the Suspense account will provide a balance of {$2100.00}. So why is the Suspense balance {$2100.00} on XX/XX/XXXX, but on XX/XX/XXXX when the batch of XXXX fee transactions appear, it is {$0.00}. Also, according to transaction history provided by Ocwen, my Suspense Fund balance was never {$1800.00}, as XXXX XXXX states in her XX/XX/XXXX letter. It was {$2100.00} on XX/XX/XXXX and prior to that, on XX/XX/XXXX was {$3300.00}. Additionally, the description of the transaction states Late Charge Waived, but the transaction functions to re-charge the amounts rather than refund them. I am essentially being double-charged for something that should not have been charged in the first place. 
Attachment XXXX & XXXX : copies of the transaction history dated XX/XX/XXXX. 
Attachment XXXX : copy of the statement dated XX/XX/XXXX. 
Attachment XXXX : copy of the statement dated XX/XX/XXXX. 
Attachment XXXX & XXXX : copies of letter from XXXX XXXX. 
Attachment XXXX : copy of the transaction history from XXXX XXXX on XX/XX/XXXX.
I was a customer of XXXX and I think I was a victim of XXXX cramming charges. It was verified and validated through their website. This account is currently with Midland Credit and I believe the debt is inaccurate due to cramming charges.
Isnt there some kind of statue of limitations on these old debts from 6 years ago? My credit is ruined because Hollaway Credit Solutions.
On XX/XX/18 I requested an online a transfer of funds from my bank to a cash payout in a foreign country ( US to XXXX ). The documents and information all stipulated that the money would be available in 4 working days. ( XXXX, XXXX, XXXX & XXXX ) and the funds should have been available on the XX/XX/18 but they were not available. 
On XX/XX/18 XXXX XXXX  EST I called western union at XXXX and they informed me that the funds would be available in 23 hours. Their explanation was that there was a bank delay.

The only bank delay was WU processing to request and receive the funds from my bank, the funds were withdrawn on XX/XX/18. 
When I called Western Union ( WU ) to clarify the issue and see if they couldn't have the funds released as promised, I asked to speak to a supervisor and was transferred to a phone that was never answered after ringing for more than 30 minutes. 
There are two issues : 1. Western Union does not care to comply with their own deadlines 2. Western Union does not care about their customer by not being truthful and transferring complaints to telephones that are not attended.
Debt is NOT mine. I am a victim of Fraud. Multiple accounts ( credit cards ) have been opened within a time-frame when I was not even in XXXX. After finding out about the fraud through my credit-reports I placed a Fraud-Alert, went to the XXXX Police in XXXX and got XXXX involved. After those measures and disclosing proof that this debt is NOT my responsibility - it was FRAUD, all companies have withdrawn the fraudulent accounts BUT XXXX. The attached documents, statements and proof ( i.e. police report, proof that I was not even in XXXX when the Fraud occurred, multiple witnesses stateside and in XXXX, etc. ) will explain in detail! 
I have been trying for years now for multiple collectors to get the point, IT IS FRAUD, but the account keeps being sold off. I never received anything in writing from any of them, including the original company, up until now.
So I was notify the I may have been affected and my identity theft so I would like more information on this as soon as possible
All XXXX reporting agency 's are reporting incorrect information on my credit report and have caused me to loss jobs, etc. The following are the XXXX report numbers that I disputed with them : XXXX, XXXX, XXXX. I have a XXXX on my credit report and it is not my account. I was at XXXX time an authorize user on this account and have asked to be removed from this account. All three reporting agency 's are reporting this account as my account when by law I have no ties to this account. I contacted XXXX and they said I was only an authorize user at XXXX time and asked them to remove me. I also asked all XXXX credit agencys to remove me and they will not remove this account. I am attaching my recorded statement that I took of my conversation with XXXX and what they said that I am not the owner of the account at all. I need your help in getting this account removed from all three reporting agency 's. The XXXX account # XXXX Please assist me in this investigation as the XXXX agency 's will not correct this information and delete this account. This is my last chance to try to get this corrected before hiring an attorney. 

If you could assist me I would appreciate it. 

Warm Regards, XXXX XXXX XXXX
I have a charged-off XXXX XXXX XXXX credit card on my XXXX, TransUnion and XXXX reports that is not being removed from my credit reports. The account shows a {$290.00} balance and that it has been charged off. 

My date of birth is XXXX. 
The account was opened on XXXX/XXXX/XXXX. 
I was XXXX years old when this credit card account was opened. 

Since I was n't of legal age to consent to contract I should not be liable for this account and should not have it reported on my credit reports.
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX Account Number : XXXX Date : XX/XX/2018 Amount : {$230.00}
Got took for a ride on a charge card with XXXX repair shop, ,bank synchrony over 3times nearly denied XXXX, XXXX  access, '' the actual right '' to use illusory purported credit line they said I had if {$2500.00} on several occassions even gas too.by doing this truth n lending, bank laws Federal Statutes many other il constitution state law statutes have been violated for things such as greed, during periods repair shop whatever they name had my car the bank cancelled my credit out with XXXX repairs, worseser trans n and new issues new strange noises etc, plus cheap parts refusal to repair it 88 percent where at least customer can't tell what's what usually how a repair should be done.u can't tell things were broken my car wonce strong runner promised steep RADIATOR notjing garbage aluminum radiator promised new steel one then bank tryed using the fact XXXX potholes caused it as a defense also garbage the banks threatening the old man but..their the partners n crime .I made a Whistblower report in his name n the bank right away threatened him lol..deep in shouldn't have to pay For racism discrimination I'm lending n availability of funds when getting my car picking it up but I'm.am so it's really XXXX, shut this bank down for much years of scamshish, fraud deceptive practice vs XXXX XXXX XXXX XXXX XXXX XXXX all bank reps foreign engaging n lies '' customer did this n that we didn't do*their cancelling threatening credit cuz they mad we report XXXX XXXX XXXX  synchrony was told today " I didn't have to give car back '' but..I told him XXXX XXXX XXXX   before I arrived cuz if banks XXXX, a lady use to check on me about car alot them I'd get a threatening call but she stopped she waived the rear end job XXXX {$800.00} n I'm disputing the radiator job, loss of strange horsepower, talked into keeping my car many days then, got it back broke down strange sounds I'm not paying XXXX $ for XXXX, radiator n XXXX shocks
I was contacted by XXXX XXXX. They stated my student loans in default and at risk for wage garnishments but that I qualified for student loan forgiveness. That the payments would be minimal for 3 years and everything past that would be forgiven. I set up the arrangement and began paying each month. My student loans showed as current on my credit report and the consolidation was successfully showing as current. I was notified 5 days ago that my credit score dropped 55 pts. I looked and saw that my student fed loans were in default but the consolidation loan was current. I called the student fed loan and they explained that they do not use any type of third party company on their behalf and I was being scammed. Also that an email was on the account that I did not have access to, paperless billing was set up and going to an online account that I did not set up. This company has taken money from me for 2 years. They pretended to be me and filed for forbearance so that my loans appeared current and now I have an outstanding loan with over {$500.00} left to pay appearing on my report from a company I have never done business with ( Equitable acceptance ).
Yes, I have you disputed the issues with the credit reporting company Equifax on : XX/XX/2017. As of today 's date XX/XX/2017, I have received no response from Equifax. They have exceeded the 30 day time limit allowed by law ( 32 days ).
I have reason to believe that my XXXX year old son has had his Social Security Number compromised. I am getting five to ten phone calls a day for him to help fix his credit, pay his bills, people claiming to be the IRS, etc. I also started receiving credit card approvals in the mail, and credit applications for him. I am filing a police report, and also will be contacting all three credit bureau 's, and the Federal Trade Commission.
XXXX XXXX denied a credit increase. My credit score is in the good range. they cited 7 reasons denied according to XXXX. Called XXXX and they denied that any of the 7 issues were on my credit report. Tried to call credit dept to correct and they denied to do office and all phone numbers were leading back to department that denied to do correction. Would not give corporate phone number. Ruined my reputation and sent lies in a letter for credit denial.
I obtained ten separate student loans from XX/XX/XXXX to XX/XX/XXXX to attend XXXX XXXX XXXX XXXX XXXX. XXXX was the original servicer of these loans. I was unable to obtain gainful employment in my field of study, so I had these loans in forbearance or deferment status until XXXX. That is when all of the loans became delinquent for a period of ten months and were transferred to the XXXX XXXX XXXX. In XX/XX/XXXX, I applied for XXXX XXXX XXXX XXXX XXXX through XXXX and satisfied all of the requirements for the three year monitoring period. In XX/XX/XXXX, I received a discharge letter from XXXX. All ten of my loans are being reported twice on my credit report by XXXX. XXXX corrected the status of four of these accounts to " current, paid as agreed '' after I disputed a false late pay on my XXXX report during XXXX XXXX. I prevailed in getting the false late pays removed. I filed an additional dispute with all bureaus to correct the status of the remaining six loans from currently 120 days late to " current ''. That dispute was unsuccessful. I contacted the Federal Student Loan Ombudsman Group for assistance. The first investigation was unsuccessful. I filed a subsequent case with the Ombudsman Group, via email and this case was concluded in a very timely manner. I was assured by the Ombudsman that XXXX would correct the reporting of these accounts, however this has yielded more issues. XXXX responded with correspondence to me stating that after a careful review of my account, they submitted a request to all national credit bureaus to update the trade lines for my loans to show a XXXX balance. I called XXXX to clarify the information in the letter, and the representative stated that the delinquencies would be corrected. XXXX reported all ten of my loans on my credit file with all three bureaus a second time, these loans are reported in good standing. However, the loans are listed twice by XXXX now, with the status not being corrected on the first set of loans reported. Also, all ten of the loans are listed on my report by the XXXX XXXX XXXX in a paid, written off collection status. These loans reported by the XXXX XXXX XXXX were in good standing up until the point where " inappropriate '' corrections were made. In short, I have ten separate loans that are being reported three times with all three bureaus. Each loan is being reported as a derogatory account twice, once by XXXX and once  by the XXXX XXXX XXXX. This amounts to twenty derogatory accounts on EACH of the three bureaus. I have consulted with an attorney in this matter, I was advised that since the loans are discharged they should be completely stricken from my credit file. I have attached the letter of discharge from XXXX.
I have signed the auction agreement with the lender and they promised the will help to short sale. However, it look like they just want to foreclose my house. I have been complying with their request. The lender forced me to sign all the letter and agreement to list the house with XXXX to avoid foreclosure but end of nobody auctioned the house with their ridiculos price. Then they came back and said the current buyer must counter with higher number. But they cant and lender told us they will foreclose our house. It look like they never respect what they request and help consumer. They discriminated my hardship and being ridiculous on selling price
PURCHASED HOMES XXXX AND XXXX ON REPAYMENT PLAN AND LOAN MODIFICATION SINCE BANKRUPTCY DISCHARGED XXXX MY CREDIT SCORE KEEPS GOING DOWN, ONLY HAVE 2 REAL ESTATE LOANS, NO CREDIT CARDS OR REVOLVING ACCOUNTS, NO OPEN ACCOUNTS, YET CREDIT SCORE WENT FROM XXXX TO XXXX IT SHOULD BE GOING UP NOT DOWN .... PLEASE ADVISE ME
In XXXX 2015 I made a mortgage payment to the Suntrust Bank at XXXX XXXX XXXX and the payment was misapplied, which showed a non payment for the month of XX/XX/XXXX, which it was intended to be. Instead it was applied for XX/XX/XXXX. 
This is now the second occurrence this year and the first was in XXXX at the XXXX XXXX XXXX. 
I received a call in XX/XX/XXXX of this year stating that I was over due in my payment and had to prove to the bank that in fact it was there error. It too three weeks for them to correct. 
The correction for XX/XX/XXXX is still pending.
The trash that represents Lobel Financial in XXXX recruited XXXX XXXX to collect a debt that has been disputed from day 1. Neither party has produced requested documentation as to the sale of the vehicle. The request was made via registered mail. They have a wellestablished pattern of failing to respond to requests. The XXXX XXXX XXXX has over XXXX open complaints against them. They continue to carry on this practice in multiple states. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. They started charging me an additional {$66.00} a month even BEFORE the first payment was ever due. That was after they changed my payment amount from {$290.00} to {$320.00}. Take a look at the XXXX XXXX XXXX XXXX filings. It shows the latest XXXX filings by Lobel Financial. XXXX and XXXX XXXX do all the filings. Both are XXXX that profit from the company. Double dipping and unethical. Ca n't pass the smell test there. Read the complaints and look at the scam they 're running with the insurance. They 've duped many people out of there investments. They 're predatory lenders. And they have this ditbag XXXX XXXX funds out of my check that were never owed. Their practices need to be investigated in every state they do business. They are thieves and liars.
I wrote the debt collector a letter to dispute the charges based on my dentist lying to me about when the procedure was necessary. They originally stated that my balance was {$670.00} upon receiving the debt verification invoice from them they stated the correct total of {$530.00}.
I met all of the requirements for a {$200.00} bonus to be added to my account which was not posted in the advertised time frame. Specifically, a deposit from my employer exceeding {$300.00} was posted on XX/XX/17. The bonus was supposed to be posted within 60 days of this event. After 71 days I reached out to support. Support took over a week to respond and did not resolve my issue.
My dad who has used my social security number to apply for credit without my consent. He has also done this to my sister in the past. would like to get the inquiries off of my account.
I am a victim of identity theft. My apartment was broken into and several ID documents stolen. I filed a police report and have attached a copy to this complaint. I found several inquiries that were a result of this identity theft. The inquiry below is a result of ID theft : Capital One XX/XX/2018 XX/XX/XXXX. 2018
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
On XX/XX/2018, I sent XXXX XXXX Peso through World Remit wire transfer. The recipient did not receive the funds in their account. I filed a complaint three times and did not receive a response. The World Remit transaction number is XXXX.