WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax has been investigating XXXX  XXXX XXXX account XXXX for over 6 months. 

Equifax has been investigating XXXX XXXX XXXX  account XXXX for over 6 months. 

Both accounts have been under investigation for months, by the fair credit act they were supposed to be deleted if not verified in 30 days.
Collection is continuing to collect a debt with an erroneous balance and fraudulent charges. I 've continued to requested a detail statement of all principal charges and have gotten no response.
I have an unverified account from MNET FINANCIAL INC. I had previously disputed this account. I have never done business with MNET FINANCIAL INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MNET FINANCIAL INC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MNET FINANCIAL INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
On XX/XX/2018, I called Capital One card services about my credit cards that I have with them. The card that ends in XXXX has a current balance of {$2700.00}. I paid {$100.00} from my bank Customers and it went through. I had {$14.00} of available credit. I now don't have any available credit because the interest rate is extremely high!! My second card with Capital One ends in XXXX and has a balance of {$2900.00}. I paid {$240.00} from the same account and I am supposed to have {$35.00} available on my account Capital One has not released the funds stating that they need to call my bank to see if the funds would clear. I told them that the same account that paid the {$100.00} and cleared is the same account that the {$240.00} payment came from. They will not release my funds and I am certain that when they do they are going to put the interest right after the available funds and my card is going to be over the limit and I will not get a chance to use the {$35.00} that is available!!! 

The interest rate on both cards are too high!! I have asked Capital One to lower the interest rate!! I have been a customer for years and I am tired the rude representatives XXXX ( supervisor ) whose ID # is XXXX and the Fraud Supervisor who would not give me her name or ID #. This has been an ongoing battle with them about my accounts. They want to call my bank to verify the funds I told them no the money is good!!!
I have Care Credit ( Synchrony Bank ) for my pets. I was told that the interest will be deferred for 18 months on my purchases ( XXXX visits ). Yet I saw an interest charge on my bill. I was informed by credit manager that the interest charge is deferred on Minimum Purchases of XXXX! I informed her that I was never told about that and asked her where on my bill does it say that? She said that it wo n't be on my bill! That I can go online and find it under Tens n Conditions! And she blamed the Retailer for not telling me! This Bank has had problems with deferred interest in the past. The Feds looked into it and they were ordered to pay back the unlawful charges to consumers. I was one of them! I actually got check in the mail with an explanation. This was after I had PIF and closed my account! The only reason I opened another account was I thought they had learned a lesson and this tone the promotion was legit. I guess I was wrong!!
I have sent many letters explaining in DETAIL what personal information and accounts I want to be investigated. My request to be provided with the documents that Experian has in their files that you used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - Experian is required to " ... promptly delete all information which can not be verified. ''
I received delinquency notices for my account, however, I have been paying over the amount required of me. To submit a payment I click on their custom pay option, enter the amount I would like to pay, select all loans, then select direct over-payment to highest interest rate loans. My monthly payment due according to my monthly statement ( attached ) is {$860.00}. I have been paying {$1000.00} ( {$500.00} biweekly ) since XX/XX/. Before that I was paying {$1800.00} per month ( see attached payment history ). I should not have a past due amount. 

I spoke with customer service on XX/XX/ and they informed me that they would send my account to be reviewed for possible issues. I explained that if I am submitting my payment incorrectly please let me know and I will fix it. I was told that I am doing it correctly. They also told me they should be able to apply over-payment from some of my loans to cover the past due amount. 

I called again on XX/XX/ and was told that the past due amount is correct and that I have been under paying on my loans. I explained everything once again and was told that my end of the account is not showing a past due amount so there would actually be no way for me to know that there was money owed by looking at my account. I was also told that I am submitting the payment correctly and that they will have my account reviewed. 

I am submitting this complaint because I am not confident that I can rely solely on Navient to do the review and fix the issue. I want a record of the complaint and any assistance I can get. I wanted to avoid filing a complaint but Navient has been unable to help thus far.
I am unable to check the status of disputes or pull my annual credit report from equifax they keep saying they are going to fix the problem for months but have not. It keeps telling me the information i have entered is incorrect but it is correct.
trans-union removed my inquiries and put them back on without notifying me. ACT 611.
The overdraft that is showing on my XXXX from TD Bank is not correct from XXXX
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Equifax & XXXX & XXXX Re : Fraudulent Accounts and Unauthorized Inquiries To whom it may concern : Be informed that this is an internal dispute and an affidavit. Recently i received a copy of my credit report and I discovered Inquiries i didnt not authorize along with fraudulent accounts. I understand and aware that you should not put an inquiry on my file unless i have approved it and you have my consent. After taking a close look at my credit report I notice so many errors on behalf of your company. I understand that I have been involved in a few breaches that has cause my credit info to be leaked by Equifax, and other companies. I have recently filed a police report against your company for the negligence and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and error accounts removed off my credit file immediately because i did not authorized them and they are fraudulent.

List fraudulent accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX   XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX   XXXX XXXX XXXX  7. XXXX XXXX XXXX XXXX. 8. XXXX XXXX   XXXX  9. XXXX XXXX XXXX XXXX INQUIRIES are uploaded in the attachments. Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 48 hrs of receiving this letter. I am prepared to file a lawsuit in small claims court where you will be forced to appear. Also be aware that I have sent in return receipt signature for pervious certified letters. Ive sent certified letters and I have records on file of the certified letters. I am keeping it as evidence when we appear in court. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX
I sent a letter to account services regarding account XXXX asking for verification and validation of this account. I was notified that it was verified without any proof of documents in original form with my signature. and no proof of a fair and thorough investigation.
Despite many ( XXXX-XXXX ) telephone communications with billing dept trying to resolve a billing issue, XXXX XXXX ( 1 ) kept no record of their communications between me and multiple account representatives and ( 2 ) turned an inaccurate " balance '' over to a collection agency after telling me to wait for an updated account statement by mail while a medical discount program card was being processed. 

( Additional info : I chose the " debt was paid '' option from the dropdown menu because it most closely matches my situation. The medical assistance provider/drug manufacturer assistance program was in the process of approving my coverage when this debt was applied. )
in XXXX of this year ( 2016 ), I knew a month in advance that I would be getting laid off from my place of employment. In an effort to be proactive, I called my mortgage company to ask if there were any actions I could take to protect my loan from being considered to in default. They assured me they had a great program that would help me. I submitted all the required paperwork, was told a decision would take around 30 days. The decision would be if they would suggest a modification ( of terms or if they could move payments to the back of the loan ). After 30 days I checked back and they told me they needed more paperwork. I submitted what they said was missing. After another 30 days they said they were expecting a decision any day. 80-90 days later I was getting the same excuse that a decision should be any day. On XXXX XXXX, my single point of contact told me the holdup may be because I was unemployed. I reminded her that I had informed her prior that I had been working again since XXXX. She responded, " ... oh we need to resubmit paperwork showing you are working which will speed up the process. '' On XXXX XXXX after many unreturned calls, I was told they needed a XXXX bank statement. I provided that statement and called to make sure that it was received. As was the case many times, my single point of contact did not call back or calls work and fails to leave a message. I called today on XXXX XXXX to get a status and was told I was missing one more document. That document was my XXXX bank statement. I provided that statement and asked the representative why they continued to delay and say the holdup was another months bank statement. She was unhelpful and just said, " that 's what the system says is required. '' I reminded her that I had heard that same reason for three months and told her I expected to be told on XXXX XXXX that the holdup is my XXXX statement. 
My current mortgage balance is {$190000.00} and in an effort to refinance I have now been blocked from being qualified because they have reported XXXX late payments. I was on a three way call with the mortgage and XXXX when they reported I was delinquent. SLS, the mortgage provider assured me the modification would not affect my credit until resolution decision had been made. I even made a request to refinance with them but they said they did n't do refi 's. It seems that upon learning that I was attempting to refinance elsewhere, they suddenly reported me late which I have learned disqualifies me from refinancing a conventional loan. They purchased the loan in XXXX and did n't report any information until XXXX when they reported delinquencies. my mortgage balance as mentioned before is {$190000.00} and the appraisal for the home two weeks ago came back at {$340000.00}. I feel they are unresponsive and hope they can find a way to find me in default but in the mean time, they have me hostage to their company. I missed the XXXX and XXXX payment ( thinking I was getting good information about modification ) and have been making payments since returning to work in XXXX. They apply the payments60+ days in the arrear which makes my report reflect 60 days late.
I cosigned, against my better judgment, on my fiancs private student loan. He has been making on time payments, so I decided to try and get myself released as the cosigner. We have a baby and live in an older house and was recently tested positive for lead. I was trying to get approved for a mortgage, but the lead test has increased my urgency to move. This private loan is adding to my " debit '' that I pay/owe when I apply for a mortgage. We downloaded the release form from the Navient website. It required the form be completed, paystubs or W2 's be sent along with proof of graduation. All of the required information was sent. The requirements included XXXX consecutive on time payments of both the principle and interest. We waited a month and called the customer service line after not receiving any information. The rep told us we were denied based on not having XXXX consecutive on time payments. I asked what months were we late, because neither myself or the borrower were aware of us being late. We were transferred to XXXX reps and finally were told that we were late in XXXX XXXX and XXXX XXXX. The rep explained that his payments were due on the XXXX and you had up to XXXX days after that to make a payment. Those two months were not late but they were after the XXXX day mark. This is why I was denied being released from being a cosigner. I have an issue with this for XXXX reasons. First it does not say on line or in their release paperwork that you only have to pay up to XXXX days after the due date or you cant be released. It only says you have to make XXXX consecutive on time payments. Those XXXX months of payments were not late and they were on time. I feel that this is very misleading of them. Most companies have a 30 day grace period before something is considered late or before they add on late payments. My fianc took this loan out so that he could attend XXXX XXXX. He was never able to find a job in his field and none of his credits transfer to a XXXX college or university. He basically paid a lot of money for nothing. If he wanted to get his bachelors he would have to start all over again even though he has this degree from XXXX. Wasted time and money. And now this is hindering me being able to get a mortgage.
XXXX has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX  report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
This company below posted a collection account on my credit report prior to contacting me or giving me an opportunity to dispute by law I have 30 days to dispute. By law the collection company is required to send notification of debt. 
This is the three company trying to collect on this debt. 

XXXX XXXX XXXX {$470.00}
XXXX XXXX XXXX is listed on my credit report as a debt, they have not provided me with any information stating this debt belong to me, they have not verified any account info etc, I have never had any obligations towards this company, they do not state who they represent..no information at all provided to verify my identity that this debt is in fact owed by me.
Starting in the month of XX/XX/XXXX, for all Online Bill Payments delivered via paper check Bank of America stopped debiting my account for the payment on the Send On Date. In addition while these transactions were processing Bank of America removed all references to the payment from Online Bill Pay site, leaving no record for the consumer to tell what amounts had been requested be sent to merchant ( s ). The combination of these two changes without prior notification resulted in several overdraft fees. 

In talking to Bank of America representatives on XX/XX/XXXX, it was stated several times that nothing had changed and all the merchants must have changed their relationship with the Bank. In addition they stated they had no control how payments were sent out nor was there any way to tell whether my account would to debited on the Send On date or the date the merchant cashed the check. 


The following is how Bank Of America describes Online Bill Payments made with Checking, Money Market, Home Equity Accounts The Deliver By date is the estimated date that the Pay To account will receive the payment. 
The Send On date is the date that funds for the payment are withdrawn from your Pay From account. If there are not sufficient funds in your account on the Send On date, your payment will not be made.
Miss appropriated payments : We have a mortgage on our house in Utah that we got through XXXX XXXX credit union. It is being processed by Dovenmuehle out of Illinois. 
We have been trying to pay down our loan by paying an interest only payment about every other month. Numerous times the payment is not posted to principal even though we have done what both institutions ask us to do by writing on check and marking payment boxes online that state clearly that the extra payment is for principal only. ( Our monthly payment is always a timely auto deduct / draft and has never been late. ) Our last payment of {$8000.00} was once again applied wrong. A portion went to principal, interest and escrow. Our home balance at that time after posting it their way was {$80000.00}. After correcting their mistake and posting the {$8000.00} toward principal only, our new balance was {$79000.00}. A difference of {$620.00} ( deduct the reversal of escrow account ) we still were behind {$310.00} their way. 
We have been told that our account has been marked special and we would never see the problem again. That was XXXX problems ago.. 
It 's amazing to me that our account : " XXXX '' have been marked special when they ( Dovenmuehle ) process over a million home loans a year. It begs the question : How many Americans are being fleeced by this action ( non-action ). 
Can we sue them for this or even instigate a class action suit? There should be some regulation to insure principal payments are just that and protect people like us, who nearing retirement age, need to pay off their homes as effectively as we can. 
Please let us know what can be done. We have documentation and tape recordings of conversations with both institutions. 

P.s. ..XXXX, now 5 months later and again they have miss appropriated our funds. XXXX payments XXXX {$10000.00} and the other {$7000.00}. They both got divided up with interest and they did n't accept the auto draft for the two months payments. Help!!!
On several attempts Ive tried to contact Experian to inform them of some inquiries on my credit report I do not recognize. Under the FCRA 604.15 inquiries are only to be pulled for insurance, employment, court order. For this reason, none the these inquiries fall under those circumstances. XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). These are not my inquiries and I did not authorized them.
Well I got a loan on a XXXX Toyota Corolla. The Dealer told me to drive the car for one year and pay on time.He told me I could refinance. That did not happen. I pay XXXX a month for 72months. By the time I get through paying for that car. I will have given them {$37000.00} Which is outragous I have already given them over XXXX dollars.
They would n't let me lower my payment and said it would go into automatic default if my dad died. They kept putting it in Forbearance instead of lowering my payment like they said. I 'm about to default. I kept asking for a lower payment but they said they could n't do it until the past due was caught up but they gave me no way to do that. I offered to send what I could but they told me not to bother because it did n't matter. My dad died a over a year ago and I 'm scared to call them.
SunTrust took over the Mortgage Servicing of my mortgage in XXXX 2015. I got my first notice from SunTrust on XXXX XXXX, 2015, ( attached ). The previous mortgage servicer sent me partial information on the transfer before that. SunTrust also sent me a statement dated XXXX XXXX, 2015 stating I was Past Due {$570.00}, apparently for the XXXX XXXX payment. They said I needed to pay {$1100.00} to bring the mortgage current. I have no idea how they got that unless they were trying to collect the XXXX payment 29 days in advance. 

I use an automatic Billpayer system for all my bills. SunTrust gets a check each month from my credit union. I 'm not sure why but unlike most of my other XXXX mortgages, so far the credit union is mailing vs. sending the payment electronically. It appears it is taking SunTrust 7-8 calendar days from the time the payment is mailed until they receive, process and post it. 

As a result of this, while they are slowly processing payments, their computer starts making robo-calls to my home phone. Having received XXXX today, I got my recorder out and answered the third XXXX since my credit union shows the payment was sent on XXXX XXXX, see statement attached. 

Eventually XXXX joined the call and I was told the call was being recorded for quality purposes. I told her that they were not authorized to make robo-calls and/or auto-dial me with a computer and to take me off that list. I 'm not she responded to that. She asked for more identifying information, my phone number, other phone numbers, etc. Eventually I told her I was recording the conversation too. At that point she told me I did n't have her permission to record the call. I told her they did n't ask for my permission when I was told they were recording the call so what did it matter. She said she could n't talk with me or something to that effect and hung up.
I am a current customer of GM Financial. I recently checked my credit report and noticed that this institution is reporting inaccurate information to the credit bureaus and has caused a drop to my credit score. This company may be in violation of the FCRA due to this being the second time this has happened. This is affecting my ability to conduct other business so I am now contacting the governing agency of this institution.
I'm a victim of identity theft and I do not have any signed contracts with any collection agencies regarding this account from XXXX XXXX. I've contacted ALL 3 credit bureaus, XXXX   has completely removed this from my credit report. However, XXXX   and XXXX has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.