WillisBack/dataset-financial-user-claim huggingface dataset:
I was affected by the XXXX XXXX XXXX XXXX College closure in XXXX 2015 (? ). I just received notice that my Federal loan has been approved to be discharged, but what about the private loan that they made me get through XXXX XXXX ( which the bills are now coming from University XXXX XXXX XXXX XXXX XXXX for Campus Student Funding? How can I get that loan discharged? Or GREATLY reduced since I am now paying for something I have n't received ... an education ... a college degree.
I have tried on numerous occasions to contact XXXX XXXX XXXX, XXXX, XXXX & Equifax to have someone help me get this fixed and either removed or have the late payments removed at the very least on all my credit reports. It seems no one is being help accountable and are just blaming the other company. For example XXXX tells me that XXXX XXXX XXXX has to fix it but then XXXX XXXX XXXX tells me the opposite. It is extremely difficult and frustrating to even try to get someone at XXXX XXXX XXXX to fix this problem,. They are taking advantage of myself as well as many other consumer they have had in the past or currently have. I have read many news stories and reviews about their service and unwillingness to cooperate and help fix what they falsely report on people credit. This was a governmental forgiveness program and my balance was supposed to be forgiven ( which they actually did forgive ) and when I spoke to the customer service later back in 2012 she advised me that my balance will show up as {$0.00} on my credit report which it does ). She also informed me that they will be removing the late payments that show up on my credit report as well. When I checked a few month after I received the forgiveness letter and spoke to the XXXX XXXX XXXX customer service agent I pulled my credit report. I was happy they kept HALF of their promise ( as was required by law ) and my balance was {$0.00}. But the late payments were still showing ( and are still showing to this date ) even after a few months after I was told that they would be fixed on all 3 credit bureaus and removed so that my credit reports do not show any late payments. When I called back to ask why they have not removed it yet I was told that they had a glitch in XXXX XXXX XXXX 's system and that it would be fixed. 

Fast forward now to over 5 years, I still have the late payments showing and I tried everything I can possibly do to have them remove these late payments. I tried contacting all 3 credit bureaus, I tried contacting XXXX XXXX XXXX. I have no other option now but to file this complaint for the government to intervene and help resolve this ASAP before I call a lawyer and contact the media in regards to this. XXXX XXXX XXXX ( as well as these credit agencies ) are affecting people 's lives and making promises that they do n't keep. I believe that XXXX XXXX should be investigated in their practices. If they pull the phone calls they can actually hear the 2 different customer agents telling me that my late payments will all be removed from my credit files.
Transunion, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXX repeated requests. Second, Mr. XXXX requested Transunion to provide the method of accuracy & verification used by Transunion pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Transunion remains non-compliance till date. Third, Mr. XXXX requested Transunion to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX XXXX, Transunion again went silent.
My Equifax credit report spelled my name incorrectly and had the wrong year for my date of birth. 

These errors were already present several years ago, but I did not become aware of them until my application for a security clearance was rejected last fall. My XXXX and XXXX  credit reports did not have these errors. 

On XX/XX/XXXX, I mailed a Research Request to Equifax with a copy of my driver 's license to authenticate the necessary corrections to my name and date of birth. 

On XX/XX/XXXX I called Equifax, having received no acknowledgment of my request. I was told that my driver 's license was on file but that no action was taken because they required a copy of my Social Security card. 

On XX/XX/XXXX I mailed an updated Research Request to Equifax with copies of my driver 's license and SS card. 

On XX/XX/XXXX ( today ), I received an email inviting me to view Equifax 's " results of your dispute ''. The email was addressed to me using my incorrect name. The authentication pages at Equifax asked four questions that were unanswerable because they referred to loans and credit accounts that I never had. No telephone number was provided, and there was no mention that Equifax would send written confirmation that the errors had been corrected. 

Thus, some of my most fundamental personal information at Equifax -- my name and date of birth -- was erroneously and inexplicably acquired by Equifax. Equifax has been unresponsive and irresponsible in handling my requests for correction. Because the erroneous information is also being used to authenticate my identity, I have no way even to communicate with Equifax directly to settle this matter.
The account was opened without my consent. I want it removed immediately form my credit report. They are showing XXXX different reports to the credit bureaus. DISCOVER FIN SVCS XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days XXXX times Status Updated XX/XX/XXXX Balance {$430.00} Balance Updated - Credit Limit {$200.00} Past Due Amount - High Balance {$430.00} Monthly Payment {$20.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments -
Check Smart has called me multiple times to remind me about a payment due on XXXX/XXXX/15. I made a verbal agreement that I would make a payment and one more on the date above. I was told that I would not receive anymore calls from them unless I broke the agreement which I have not. I feel I am being harassed by this company and I am getting annoyed.
This is a complaint against National Credit Systems, about an account that was opened without my authorization. I have disputed this account with the credit report, sending the evidence of the identity theft, including the police report and affidavit. When I tried to remove the account through the bureaus I was unable to, I am sending the complaint through the CFPB with all the evidence through fax and email that can be able to be provided. So this account can be removed because it was never authorized and it is fraud. Of course the information matches up. Someone clearly used my information without my authorization. I have provided more than sufficient evidence to get these false accounts removed. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
I received a letter dated XXXX/XXXX/XXXX from Synchrony Bank in XXXX Fl. regarding my Synchrony credit card ending in XXXX. This letter stated that Synchrony was conducting an investigation to verify recent transactions processed on this card. I had received a phone call from Synchrony just prior to the letter advising me of certain charges showing up in other states such as Illinois, California and Texas. During the phone call I made it clear that I had only been in Va. and N.C. in recent months and these were clearly fraudulent charges. I was assured that these charges would be removed and that my existing card would be cancelled and I would receive a new credit card. This was followed by a letter advising me that the disputed amts. and all associated charges would be removed and credited to my acct. Only part of the charges have been removed despite phone calls to complain about this. These charges remain plus monthly late charges and this is being treated as if I am delinquent in my payments. My last contact with the BP fraud unit was XX/XX/XXXX and I talked to a person named XXXX who gave me a file # XXXX. She advised me that these things take time and told me not to worry. Nothing has changed and I just received a statement with further charges added and that this is an attempt to collect a debt. This seems to be never ending and leaves me without faith in Synchrony Bank doing anything to clear this up. I have an unblemished credit record and I am worried that the lack of attention to this matter may leave me with damaged credit.
XXXX  and Equifax mortgage services seem to be  XXXX  company but have done hard inquiries, through our request for a home loan through  XXXX , have made  XXXX  inquiries on my credit reports ( all  XXXX  bureaus ) and  XXXX  on each of my husbands reports ( all  XXXX  bureaus ). They made the inquiries in   XXXX   and  XXXX . Although the company says hard inquiries within 1 month count as  XXXX  inquiry, I have found the time limit is 14 days. We only authorized quicken to pull our credit report one time. Shortly after contacting quicken, we recd a denial letter because our credit was n't strong enough. Then, there are more inquiries and lenders are saying we authorized. NOT TRUE! Why would we if we were  DENIED. I t 's bad business practice and I personally feel underhanded and probably violating laws! We now have limit of inquiries due to above company  ( s  ), that they have forced us to stop trying to buy a home and ship for mortgage companies. Each inquiry after  XXXX , within 2 years, lowers credit score  XXXX  points!!!! We did not authorize this. We have called, written, disputes and the lenders refuse to remove the unauthorized inquiries. Again,  XXXX  and Equifax mortgage services ( as listed in my and husbands credit report ) had NO authorization. We are now filing with  Consumer Protection, FTC and US  attorney general. Our resolve is any and all inquiries on my,  XXXX   XXXX , and my husband,  XXXX   XXXX , be removed from all  XXXX  credit bureaus immediately.
Equifax did not implement proper data security measures and my information was stolen in the hack around XXXX 2017. Stolen information includes my Name, DOB, SSN, address, and account numbers. Equifax did also not follow appropriate measures in notifying people that their information was stolen. Equifax executives were able to sell ~2 million dollars of Equifax stock immediately after the breach, but were not able to notify people until a few months later.
I have contacted XXXX Superior Court and they have advised they do not give out any information to the Credit Bureau, I have asked Equifax to Validate where they gotten there information and they can not. I have contacted and disputed several times to have this information that is untrue and incorrect removed from my credit report. This has not taken place and the information remains on my report, even though I have stated that I do not owe any debt or applied for the following accounts. The accounts can not be physically verified and or proof not retained to keep reporting this is misleading or unproven information, especially considering a composed consumer complaint notifying them of said issues so please help to have the information DELETED the following illegally reported allegation here and now : Alleged Account at issue : DISMSD/CLSD XXXX Overview Reference Number XXXX Date Filed Reported onXX/XX/XXXX Responsibility Individual Alleged Account at issue : Reference Number XXXX Date Filed Reported on XX/XX/XXXX Classification Bankruptcy Responsibility Individual U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Last XXXX XXXX at around XXXX in the afternoon i drop by at the Union Bank in XXXX XXXX XXXX XXXX to do deposit of XXXX because i issue a check to my Landlord worth XXXX after a day my Landlord called me and she say, i dont have enought fun so i'lll go back to the bank to check what happen to my monney, i 'm surpriise because the bank is already closed, i 'll go toother bank branch nearby in XXXX XXXX XXXX. XXXX i talk to Vice President XXXX XXXX i said " can you pleased verify the XXXX XXXX XXXX '' he answer i can, because the bank is already closed i give you a call when i verify the camera, after a day he call me and he said i can not see the money i surprised what he said because im sure i deposit XXXX for may cheacking account not XXXX Sir, Ma'am plesse imvestigate this annomaly of this Union Bank im so stress i lost everything to me because of thiis, thanks in advance and may XXXX bless you all.
I have requested XXXX XXXX to run a credit report to conduct potential refinancing of my home mortgage. They ran that inquiry on XXXX/XXXX/16. That inquiry showed XXXX other inquiries, XXXX from a XXXX source on XXXX/XXXX/16 and another from a CBNA on XXXX/XXXX/16. I did not request and am not aware on a request by me for either of these XXXX inquires. I want them removed from my credit report.
I was taken to the emergency room after being bitten by a Brown Recluse spider XXXX/XXXX/XXXX while on XXXX XXXX with the United States XXXX XXXX XXXX. I was billed for this and fought it for years. I gave in and paid ( or tried to pay ) over the phone back in XXXX. I can not find a record of the transaction so I am thinking this may have been a scam or the transaction did not go through for whatever reason. After that I had not heard back from them until XXXX XXXX, XXXX in which I received a debt collection attempt letter. Bottom line is I should not owe anything due to the fact that I was on XXXX XXXX. The attempted collection is from Arkansas XXXX XXXX XXXX for {$630.00}.
I was in the process of trying to get a mortgage and when a new credit report was pulled an account from Enhanced Recovery was reporting. I had a representative contact them because time if so of the essence. I currently have XXXX so I was surprised that they indicated they were collecting for XXXX. I would have paid this had I gotten notified but never did. My representative asked for a number to reach XXXX and was told they would not give the number. I have called several XXXX number and have gotten nowhere. What worries me now is how do I know this is truly mine? Like I said I have XXXX now and if they ca n't give me a phone number to contact the original company how can I know this is a valid account?
PROFESSIONAL DEBT MEDIAT XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I have paid the original debt in full twice. First payment was to the original source of the debt. The second time was to this collection agency who has refused to acknowledge the payment and continues to harass me. Please investigate this predatory company.
We had an ACH come in from XXXX into our Checking Account at Old National Bank for {$10000.00}. ACH funds are available immediately. Old National Bank has put a hold on these funds and refuses to release the wire proceeds.
XXXX XXXX XXXX CLAIMS THEY GAVE THEIR SERVICE TO ME IN THE STATE MICHIGAN. I HAVE NEVER BEEN IN THAT STATE SO I AM NOT THE ONE THAT THEY GAVE THAT SERVICE TO .SO I FEEL I AM NOT THE ONE TO PAY THIS BILL
XXXX/XXXX/17 i attempted to link this account with the stock for the business line account and got an error message. i ws promoted to file this notice
Navy Federal Credit Union charged me XXXX ( ~ {$15.00} X XXXX ) for a credit report that other mortgage originators provide at no cost.
About two months ago, Kohl 's began calling to collect for purchases and for added interest and late fees. I have not seen the charges, but I believe purchases are in the approximate area of {$100.00} and interest/late fees take the charges to {$250.00}. They have the incorrect address and phone number and will not accept my current address, saying their system can not handle an address overseas. I have never received a statement explaining the charges they want to collect for. I have received numerous phone calls from polite ladies, and have given them my correct address ten times or more. They refuse to change my address and continually maintain an address in XXXX where I have not resided for several years, whoever is living there does not know me and vice versa. I do not have the credit card if they sent one, it went to an incorrect address. So I have no account number to look up my account online and they refuse to send the bill by email or by regular mail. 
I have requested to speak with managers and supervisors with authority to help me see my statements. Unsuccessful. I was transferred to the President 's Office, no answer. I called the Legal Department and left a message to return my call ... no return call.
I have a variety of issues with US Bank and my Visa card. Main issue being their continuing to have a " pending charge '' on my card for days after the " actual charge '' posted, thereby using twice the amount of my available credit. Second complaint is their customer service staff telling me that no supervisor was available and it would take " several days '' for a supervisor to call me back. I mentioned that I felt like the hold on the card for pending charges already posted as actual charges was not fair and was something that the CFPB would be interested in. They seemed to have no knowledge of the CFPB did not escalate the call or add the call to any complaint log for review. 
A credit card issuer should be obligated to immediately delete the pending charge once the actual charge is posted. US Bank tells me they can not do that, that only the merchant can do that. That is fundamentally wrong and a fundamentally flawed system. 
I called the US Bank corporate office and they told me I could talk to their " advocacy department '' and transferred me, all I got was voice mail. I left a message, I do not expect to hear back from them. I called back to the US Bank corporate office and was told there is no one else that I can talk to other than the " advocacy department '' that I could not speak to anyone in management to voice my concerns.
Have a fraud report number XXXX. Involving XXXX account # XXXX please review documentation. Trade line has already been removed by original furnisher XXXX XXXX Bank. Review Documentation. Fraud accounts must be removed ASAP according to FCRA guidelines. I will also be faxing documentation over
These accounts were taken off my XXXX credit report and now I see they have been reinserted without validated. XXXX has not verified these accounts nor have they responded to my request for method of verification form that I sent for XXXX to fill out. XXXX XXXX debt and XXXX XXXX XXXX  have not sent me the signed documentation that i requested with my signature. These accounts are fraudulent and I will no longer continue to suffer the repercussion from these accounts that are not mine. XXXX XXXX is not a method of verifying. Information from third party vendors are not accurate. The last 4 digits of  a social security number do not verify nor validate a consumers information. I will send a letter to the CEO of transunion if this matter is not fixed immediately. I am in the process of filing a lawsuit against XXXX. Cease and desist letters have been sent to both collection agencies as well as a debt validation letter and I have not gotten that signed document with my signature and its been well over 30 days.
I applied for a checking account ( Citigold ) with Citibank online on or about XXXX XXXX, 2015. Due to glitches with their computer system, I was not able to complete the application for several days. The account fee is {$30.00} a month ( first two months of fees are waived ), and I also submitted a code to obtain XXXX Citibank " Thank You Points '' upon completion of qualifying activity ( which consists of paying XXXX bills online for XXXX consecutive months ). ( These points would be worth {$520.00} in airline tickets if I booked through Citibank 's travel website, so there is definite value here. ) Yesterday, I received a rejection in the mail. The letter stated that the reason for the rejection was due to information contained in my XXXX credit report. I immediately pulled up the report, reviewed it, and found nothing to warrant the rejection. My credit score, which I obtained from Citibank itself ( which is a service they provide to holders of the Citi XXXX credit card ) is XXXX ( out of XXXX ). Clearly, it looks like the Citibank rejection was just a ruse, and I believe they acted in bad faith by placing the rejection based on information in a credit report which clearly does not support their claim.
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely effected and my credit score is suffering as a result. No notice of was ever given to me which is also a violation. I am requesting that ALL inquires be removed. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX purchased a prepaid credit card in XXXX of 2009 for {$300.00} with Orchard bank. The bank increased the credit line to {$750.00} without my requesting the increase. I did not send additional funds to increase the limit. Within a short time the card or bank was sold to Capital One. I no longer need a prepaid credit line as my credit is ok. 

I called Capital One and wanted to close the account and have my {$300.00} refunded to me. Capital One says that the card came from Orchard bank to them without any secured portion on it. 
Capital One gave me numbers at Orchard to call but the numbers revert back to Capital One. 

I can give you my Capital One Credit Card number if it is needed but I am reluctant to do so due to security issues. 

I do not know what agency that I should contact to get my prepaid amount refunded. 

Sincerely, ABPPS It is easiest to reach me by text at the above number. 
Thanks
I have an American Express open business card for more than 5 years. In XX/XX/XXXX last year I was  notified from American Express by phone that I got 0 % promotion interest charge for one year. Since then I always made minimum payment every month on time. Today ( X/XX/2017 ) I logged into my account and I found there was {$240.00} interest charge on X/XX/2017. I paid my balance in full immediately and called American Express asking why there was an interest charge on my account. I was told the 0 % interest charge ended on X/XX/2017 and the charge is for 30 days balance. Since I signed up paperless statement I never get a notification about when the promotion period ends. It is unfair to charge me the interest rate without any notification.
Debt has been paid and closed through KeyBank. For some reason it has yet to be removed from XXXX
On XX/XX/XXXX I made a payment using card, it was declined due to wrong zip. The merchant ran it again with the right zip. It was approved. The next day both charges were debited from my account. I contacted merchant and he stated he only received one payment and to contact my bank. I did and they said to have merchant fax a letter stating he would n't collect the one that declined which the bank has put in a pending status but have already taken the money for both out of my account. He faxed the letter then they said it was n't signed we faxed it again and again cause they said they could n't read phone number. Now the bank says they ca n't accept without the authorization code but he did n't get one on the declined charge. They say I have to wait 30 days to get my money.