WillisBack/dataset-financial-user-claim huggingface dataset:
The identity theft inquiries still on my credit report. Equifax has 2 XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX take off XXXX XXXX. Equifax told me it would take 90 days or less its passed that. Still on my report. XXXX for no reason removed good standing auto loan. It is less than 7 years. No reason it went off. Why? Its not identity theft or fraud. Put it back.Take off inquiry from XXXX XXXX I never made this inquiry ether. I called XXXX   about this auto loan taking off.

Bank told me its XXXX XXXX.

We report to all credit reports.

If it goes off its tXXXX XXXX fault!
Due to Hurricane Irma, XXXX XXXX XXXX, my account # : XXXX was set up for a special payment plan to get through our temporary income cessation. 

I received a 30 day late on my credit report, and they stated this was an error and it would be fixed next month. That was back in XX/XX/XXXX. I have called multiple times, and every time they tell me it was their reporting error and it would be fixed. 

As of my most recent update, XX/XX/XXXX, still not fixed and it is effecting my score by over 60 points. 

I call and call, they say they will fix it with no results. 

My account is now current, income is coming in very good again and we are even 2 weeks ahead on our payments. 

Since this payment plan was set up during the hurricane relief period, we should not have late fees or a late reportson the bureaus.
I first to out a mortgage loan with XXXX XXXX XXXX, then XXXX sold my loan to green tree, now the sold the loan to DITECH. I recently received a call from DITECH demanding a payment and harassing me about a late payment. I was not late on my payment. Ditech is harrassing for a mortgage payment that I was late on 2013. They have spoken to me with very bad language and demeanor. I have never been treated with such a bad attitude.
In  XXXX  of  XXXX  I got home from work and my locks were changed. I was unable to get into an apartment I was renting from The  XXXX  located in  XXXX   XXXX , MD. I had to wait until Monday to speak with the property manager. On Monday I spoke with the property  manager  in person and he was not aware that the financial accountant  manager  had changed my locks stating that I had skipped my lease. I in fact did not skip my lease and had already made  XXXX  the leasing manage aware that I was moving out and not renewing my lease. My lease was not up until the following month. The property  manager   XXXX  told the maintenance  manager that they just had to  XXXX  up the fees and let me back into the apartment. I asked them to place it in writing that I would not be charged and he would not do so stating he had to wait for the attorney to see if I was on the list for eviction. I was not on the list. A year later I received on my credit report a collection for {$6900.00}. These fees included carpet repair, cleaning of the unit, rent for  two  months due to skipping the lease. I never was given access to the unit to move any of my belongings and never was given copies of the new set of keys once the locks were changed. Never given a chance to properly clean the unit. I was still a tenant and the locks were illegally changed. I have not been able to get any information from  XXXX  Apartments due to change of ownership. I have contacted the  Property Manager  numerous times and he states that the records will have to be pulled from the basement. I called in  XXXX  he asked for 30 days. Every since still no answer from the corporate office or the  XXXX  office
Trans Union, XXXX XXXX XXXX have allowed fraudulent attacks to my credit reports. I have lost more than XXXX
I have tried to deal with XXXX about my Capital One account for disputing it and asking for verification and requesting documentation in how they " verified '' this alleged debt. I have sent disputes to XXXX on dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only sent a letter when XXXX refused to send documentation following their result from the dispute. I sent letters to Capital One on XX/XX/XXXX and XX/XX/XXXX. I never recieved documentation proving how they ( Capital One or XXXX ) verified this alleged " debt ''. I have got letters from Capital One dated, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also keep getting the " closed date '' changed on my Capital One account chaged from XX/XX/XXXX to XX/XX/XXXX according to XXXX XXXX and XXXX XXXXXXXX.
I recently filed a complaint with the CFPB about a fraudulent account that was being reported on my credit reports for Experian and XXXX, which they have actually removed. However, a residual issue exists with that complaint. 1. XXXX has not readjusted my credit score from when the account was reported on my XXXX  credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my Equifax credit report, my score dropped XXXX points. XXXX has removed the fraudulent account, but my score still remains at XXXX. 2. Experian has not readjusted my credit score from when the account was reported on my Experian credit report, which the day before the fraudulent account was placed on my credit report, my Experian score was XXXX. After the fraudulent account was placed on my Experian credit report, my score dropped XXXX points. Experian has removed the fraudulent account, but my score still remains at XXXX. 3. XXXX never reported the fraudulent account on my XXXX credit report, HOWEVER, XXXX adjusted my credit score with them based on Experian and XXXX reporting a 'new  collection/major derogatory account '. Consequently, my credit score with XXXX dropped from XXXX to XXXX. ***Seems something inherently wrong with XXXX dropping my credit score with them based not on what was being reported on my XXXX credit report but rather what was being reported by the other XXXX reporting agencies****. Regardless, neither XXXX, Experian or XXXX have re-adjusted my credit scores to reflect that the fraudulent account was removed, which is resulting in higher interest rates for car and personal loans.
last XXXX i pulled my equifax credit. since then i have purchased nothing and not been late on anything. today i was denied credit because of equifax. today they are not providing my credit report and are insisting that i MAIL in photocopies of my SSCard and Utility Bills. I am in the system, something is going on with my credit and i am being treated unfairly. TIME IS OF THE ESSENCE.
We ask to the government and federal Reserved & FDIC regulators and all possible regulators to review BB & T business practices as it looks like they are closing business accounts and hold funds for indefinite period of time!! They keep using clients funds and delay the payment of the funds for indefinite period of time. As the law allows them, this bank provides NO evidence or reason to close our relation which we understand they have the right to do so. No bank is obligate to provide a reason for the closing accounts, but most of the honorable banks in this country will provide a 14 days notice and return the funds to clients, now it looks like this is not on BB & T business practices. Also, we are unaware if this bank due to our country of origin XXXX or religion XXXX has decided to stop doing business with us. 

CFPB should advise make it public ALL clients and business clients to be aware of BB & T Business practices!!. Since XX/XX/2018 this bank without any notification closed all our accounts and provide NO evidence or response at ALL of what is the situation, they have ransom more than 6 figures and we personally wrote an email to Mr. XXXX XXXX CEO of the bank and up to today, XX/XX/XXXX and it seems like Mr. XXXX is too business so the bank has some financial difficulties that is pushing them to have this type of business practice! 

Our business has obligation, payments, suppliers and it seems that they do not have any principles of conduction business!! This is INCREDIBLE that a bank closes an account without any notice and now uses clients funds and does not even provide a simple letter to consumers! It is concerning that a bank takes this type of business practices without any penalties! It is a dictatorship system that we are obligated to do what financial institutions decide and want without any WAY to get assistance.
I REPORTED FRAUD ON MY CHASE VISA CARD AFTER I RECIEVED MY STATEMENTS AND SAW A CHARGE THAT I DID NOT AUTHORIZE AND I HAVE NO IDEA WHO THIS COMPANY IS XXXX XXXX XXXX   THAT CHARGED MY ACCOUNT FOR XXXX. I CALLED CHASE VISA AND SPOKE TO A REP WHO FILED A FRAUD COMPLAINT AND SAID THAT I WOULD GET MY CREDIT BACK ON MY CARD, WELL CHASE VISA SENT ME A LETTER SAYING THAT THE CHARGE WAS TOO OLD AND THEY WERE NOT GOING TO GIVE ME THE CREDIT BECAUSE THE CHARGE WAS FROM XX/XX/2010. I REPORTED THIS CHARGE BACK WHEN I SAW IT ON MY STATEMENTS AND NOTHING WAS DONE SO I REPORTED IT AGAIN.. THIS WAS MONEY THAT WAS TAKEN OUT OF MY ACCOUNT WITHOUT MY AUTHORIZATION.. I LIVE ON A FIXED INCOME AND I CANT AFFORD TO HAVE MONEY TAKEN FROM ME FOR SOMETHING I DID NOT CHARGE MYSELF.. PLEASE HELP ME GET MY MONEY BACK
I attempted to retrieve my annual free credit report from Experian and XXXX via online. XXXX online services will not yield a free credit report for me. XXXX refused to yield a free online credit report for me.
I have been filing complaints left and right with Pentagon Federal Credit Union about an unauthorized inquiry on my report. They stated they made an inquiry back in XX/XX/XXXX. And have not made any other inquiries since. Well i mentioned to them about an inquiry that was done on XX/XX/XXXX and they are claiming it's bogus and in other words I'm making it up. I sent them proof before and they still are requesting more proof. ITS A STALL TACTIC!!! ITS FRAUD!!! But now worries I Have Spoken With An Attorney and i will be bringing a lawsuit against Pentagon Federal. When inquires are made on your report that you didn't authorize it drops your credit score. But of course you knew that though.
Good evening : The information concerning the Pioneer/Mid Country Bank loan ( # XXXX ) that is on my credit file with the three credit bureaus *is* being reported correctly/fairly to XXXX.
However, the information *is not* being reported correctly by Pioneer/MCB to both XXXX and XXXX.
Pioneer indicated that I must file a dispute with the credit bureaus to have information on my credit file corrected. I have already filed disputes with both XXXX and XXXX. However, as of XXXX XXXX, 2017, the results of each of their investigations claims that the information is being reported correctly to their respective companies by Pioneer/MCB. The information being reported to XXXX and XXXX is not correct. I have attached supporting documentation that shows the inaccuracies in my credit reports as of XXXX XXXX, 2017, along with proof of payment.
Discover Cards claims on all of its advertisements, promotional brochures and legal documents it does not charge ANY foreign currency fees on foreign currency transactions. However, Discover Cards does willfully and knowingly, with deceit and intent to defraud, reduce the exchange rate on all purchases in foreign currency and other transactions by exactly three percent when calculating the exchange rate on ALL foreign currency transactions. Yet, Discover Cards, refuses to admit it is defrauding consumers with false and misleading statements, advertising and documentation.
Collection agency Express Recovery Services called my phone on XXXX/XXXX/XXXX. Knowing my rights within 30 days I sent them a certified letter asking for debt verification. I never received a letter within 5 days of original contact as required by law. Nor did I ever receive debt verification. 

On XXXX/XXXX/XXXX I receive a letter from a law office stating they represent Express Recovery services. Again I responded with a certified letter asking for verification of debt. I never received any verification of debt. 

As of XXXX/XXXX/XXXX they attempted to serve me papers for court. Again they have violated Fair debt collection by not verifing the debt at all. They have failed to prove I owe any debt. They have failed to prove they are legally authorized to collect the debt
CBNA/Best Buy reported me late after they confirmed they had my address on file incorrect and that the statements were returned to them. I never got a phone call or an email about this. Then my credit report shows that they reported me late when in fact I was n't, I never received my bill.
I have tried to use the online cash back redemption on my Capital One card for several months. I have emailed the error messages I have received, on multiple occasions, to Capital One yet they continue to ignore the issue asking ME to call their IT department.
There was a fraudulent charge on my card with chase. I got a new bank card, and the charge was for a second annual pass for universal. I explained to them that I already had one, and they saw those charges. They gave me the money back. {$190.00}, but 3 weeks later took it back without providing any information. When I called them they said that they saw the charges for XXXX was mine and the other XXXX was not in my name but they could n't verify the XXXX.
XXXX sent me an email informing me of a past due account that is effecting my credit score very negatively and Im asking that it be removed due to the following. 
The account in dispute belonged to someone else. 
I was an authorized user for this person due to the fact that he is a XXXX veteran/XXXX, and often times his health prevented him from running errands, grocery shopping, and banking. 
He filed chapter XXXX, and it was final XXXX 2014.
They will not assist me in retrieving my loan payment history since the loan was created or the original promissory note. They will not lower the interest rate of 13.75 % or negotiate payment amount.
On XX/XX/2018 my employer XXXX XXXX sent my paycheck ach direct deposit in the amount of {$5600.00} to Netspend. On XX/XX/2018 my second employer XXXX XXXX XXXX sent a ach direct deposit over to Netspend in the amount of {$110.00}. Both companies have issued payment to before and have had no issue. Netspend is stating they are having an issue with their subsidary XXXX posting ach deposit but can not confirm a date or time for resolution. I reached out to XXXX XXXX who works in Office of the President and stated the only information he has received was that XXXX XXXX  would be resetting their system and hoped to have it resolved soon.
My wife and I recently applied for a home loan and noticed several errors on our credit report. XXXX in specific showed a liability of {$9100.00} to " Capital One. '' I have never had a credit card with Capital One and the first call I made to them was exhausting. The women was rude and not helpful. Eventually I was transferred to the fraud department and they told me they would send me a fraud packet. I never received anything. I called again and was transferred to the fraud department and I told them my complaint and that I had never received the fraud packet. They informed me that their findings determined that it was not a fraudulent account and that 's why they never sent me anything. I also received a letter from the IRS stating that I owed money since the account was written off. I have been unable to obtain any information from Capital Once regarding these charges they allege I owe. I asked when and where the account was open, if they had my signature on file, I asked for a detailed explanation of all the charges. The only question they answered was that the account was closed in 2009. I have contacted the IRS and they are investing my claim as well. I maintain that this account is not mine and was opened without my consent. I have called capital one 3 times and I still have no answers. I want to know how and when this account was opened? A detailed list of all charges? They stated this account was closed in 2009, who closed this account? Why was it closed? Why is this the first time I am hearing of a debt to them? This account was closed in 2009 ... .7 years later and the only reason I found out about this account was because it came up on my credit report and I received a bill from the IRS.
PDQ Services attempted to charge me {$4400.00} without including {$500.00} pet fee and monthly pet rent and {$300.00} risk fee to be included in my deposit. I 've attempted to contact the manager  of the company by email and phone with no response in order to speak on arrangements and settlement amounts. No one has returned my calls. With paying a monthly fee, I was still charged to replace carpet in the entire apartment totaling {$1100.00}.
American Express ( the company ) has repeatedly refused to resolve a dispute in my favor in spite of extensive evidence being provided to them. The charge in question is for {$1300.00} which was charged on XX/XX/2018. The purchase was a non-refundable airline ticket. This ticket was canceled with the merchant on the XXXX in accordance with DOT regulations and was made more than 7 days prior to departure. In spite of providing this evidence and evidence from the merchant 's website and the full Department of Transportation 's regulation but the company has refused to resolve in my favor. They declined my dispute and stated, " the ticket was non-refundable ''. After providing further evidence that the ticket was due a refund, they have changed their story stating the ticket was not canceled within 24 hours. This unfair practice violates UDAAP. After calling the merchant and stating the call was being recorded, they acknowledge asked for the electronic ticket number and agreed that the ticket had been canceled within 24 hours and was due a refund. The company refused to accept this evidence and has continued to deny my claim.
I have been trying to have a loan modification approved by Wells Fargo for almost two years now. I have sent in every document they have requested numerous times. As I am self-employed they have requested more and more documents and due to the inability to accept online documents, I have had to pay to have documents printed and reprinted, just so I can sign every page and then pay to have documents faxed to Wells Fargo. 
My financial situation became difficult when the economy crashed. Since I am XXXX I can not file for unemployment assistance. I had to use all our savings. Then my child became very ill and the last year was spent helping her become healthy, but the cost of the treatment, much of which was not covered due to being " out of network '' for our XXXX XXXX plan was a further strain on my finances. During all this I was trying to get Wells Fargo requested documents even though the form states that no documentation was needed. I also requested information on what to do if the house is now " under water '' as there is both a mortgage and a home equity line of credit and I believe the value of the house is now less than those XXXX loans. I have not been given any information on this. Now I am told again they need more documents but the person who can tell me what is needed has not responded to several emails and today is " in a meeting ''. When I requested immediate assistance I was transferred to a " manager '' but that went right to voice. I was told by Wells Fargo to stop making payments while this process went forward, now my house is in foreclosure. I offered to start making payments and even make a lump sum payment toward the past due balance, I was told they would not accept any payment. This is now impacting my health, my XXXX is unbelievable. I can not believe that Wells Fargo is allowed to buy up all the mortgages and then abuse homeowners in this manner. It is disgusting.
on XXXX XXXX I sent a certified letter to XXXX, asking for them to investigate items on my credit report. I got a letter saying it was verified in which i sent another certified letter asking for proof of signature and also how did they verified this account. I was sent a letter saying they where not going to investigate the items any longer.
I purchased a vehicle from XXXX XXXX company XX/XX/XXXX. The real estate market crashed XX/XX/XXXX and became increasely worse XX/XX/XXXX until present. I could no longer make payments and gave the truck to someone else in order for payments to continue to be made. Unfortunately that did n't work. 

XXXX did a charged off. An attorney Nelson & Kennard are collection attorneys. They put a lien against my house XX/XX/XXXX and are asking for {$32000.00}. 
The debt owed to XXXX according to Nelson & Kennard is XXXX. 
Can this debt be collected twice? first by charge off and ford 's insurance, then by a company who bought the debt?
I talked to Navient in XXXX and told them that I would like to pay off the student loan in XXXX. My account manager said that I would have to keep the account in good standing for 3 months in order to get a discount. I said that they should stop taking money from automatic withdrawal because I would call and make a payment monthly. they told me that would be fine. I made the payments on the phone and paid by credit and debit card. Then in XXXX I called to see what the pay off amount would be and they took 10 % off. Then in XXXX I got a bill for {$190.00}. I called them again. They told me that whoever told me the pay off amount should n't have told me that amount because the most they could take off was {$200.00}. I told them that was n't my problem because the account manager put me on half to talk to a supervisor to get this approved. The person I was talking would n't budge. He kept putting me on hold to talk to his supervisor. I told him they could call me back when they have everything worked out because they were done wasting my time. Then I found out that While I was making phone payments they were also taking money out of the bank account that was set up for automatic withdrawal. So they own me money. Also they overdrew the account by taking out the payment that was already paid.
I have 2 accounts with Capital One. In XX/XX/2016 I notified Capital One that I was going through a financial hardship due to medical issues. I knew I would be late on my payment and I advised them of this. I was told that as long as payment wasn't 60 days late that they would ensure that my late payment would be forgiven. This hasn't occurred as I have this late payment still showing. I have reached out to them numerous times to assist with this issue and sent numerous letters to no avail. I only have late reporting for XX/XX/16 and was able to get back on track the following month. I was told this wouldn't affect adversely and that was a lie.
C.P.A. has reported to at least XXXX credit bureau I have a debt in collections which is not mine. They claim I owe {$1300.00} to XXXX XXXX from an address in XXXX, TX in the year XX/XX/XXXX. I have lived in my current address since XX/XX/XXXX. They do n't have my SSN. Nor did they check if I ever lived at the XXXX address in XXXX, TX. 

I have called them and they are telling me I must go through all the credit bureaus to take care of a problem they knowingly created. On top of that, I was trying to make major purchase when I discovered this. As a result I did n't make the purchase because of the higher interest rate caused by the credit score. The purchase at the terms I was trying to get is no longer available.
On X/XX/2017 & X/XX/2017 despite having broken so many consumer protection and billing laws and multiple violations of Regulation Z, USAA has reported High Bankcard Utilization, multiple times on accounts they themselves already closed without any warning or just cause while refusing to provide any documentation. <P/>Additionally, XXXX of my cards should have had a zero balance, the third only had a high balance due to a disputed billing error USAA violated the allowed timeline and charged me for a year after the initial investigation was found in my favor and credits were permanently issued. <P/>Thus they are improperly reporting USAA SAVINGS BANK - High Bankcard Utilization multiple times on lowering my credit score. Additionally, they reported Credit Line Closed by Credit Grantor on  X/XX/2017 as well on an account which is in dispute and which was closed in violation of many sections of Regulation Z.