WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, it appears that someone has opened an account in my name. The company is called Contential Finance. The card is called the XXXX card. I need this removed from my credit report as it is not mine.
On   XXXX   XXXX  -2017 I 've purchased a countertop and floor cabinet from Home Depot in   XXXX   MA for total of {$4500.00} include sales tax and I was able to pick up the floor cabinet on   XXXX   XXXX  -2017 and I kept waiting for Countertop that took 49 days later for the company to show up with only one portion of the countertop at that time I 've decided that I did n't want it anymore because I dint know how much longer I had to wait to the rest of the counter top and I refused the installation at that point and it was send back to Home Depot third party installer International Stone. In the same day I follow up with  XXXX  Home Depot to cancel the countertop delivery because I was going to found a company that would do it faster and in fact I was able get everything installed in five days later by someone else. Now the issue I 'm having is that no one at Home depot is able to credit my account for something I didnt get.
It has been a terrible experience trying to get anyone at Home Depot to assist me with this issue.
My regards,
Equifax has allowed an account to be put back on my credit report without verifying the account and not informing me. The account was removed XX/XX/2018, because the account isn't mine and couldn't be verified. The account was put back XX/XX/2018 under a new company and account number, but same amount and original creditor. I have attached the old and new information with this dispute.
My mother had a mortgage. She passed away. I sold the home in XXXX and have been waiting for the escrow refund of XXXX $ ever since. I have been on the phone with this company over 30 times. They have sent checks in the wrong name, the wrong address, given me completion dates of checks that never send. The latest letter I got said they will no longer issue a paper check and it needs to be submitted electronically. I was given completion dates that have come and gone. Supervisors we're supposed to call back and no one has. They keep making notes and sending it to other departments. I have asked for someone to be in charge of my account and help me get this completed and " that's not how they do things ''. The agents numbers I have most recently spoke to are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. All I want is the escrow money refunded to me, it has been nearly FIVE MONTHS since the property was sold.
On XXXX I received a call on my cell phone from XXXX ( FMA Alliance ). It was marked SPAM and I ignored the call. At around XXXX pm XXXX, a collector named XXXX XXXX ( sp? ) from FMA Alliance called my XXXX son, who is XXXX XXXX, on his cell phone while he was at work and she asked for me. He texted her information to me. I returned a call to the number above and spoke with XXXX XXXX ( sp? ) who explained that they were trying to collect a debt that they bought from XXXX XXXX XXXX, XXXX who had acquired it from XXXX for XXXX XXXX 

On XXXX I sent a certified Cease and Desist letter to XXXX, Their Successors and Assigns. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX was delivered on XXXX at XXXX am EST to XXXX, XXXX. XXXX XXXX, XXXX, OH XXXX. Eventually their calls stopped and apparently they failed to include my letter in my file when selling it to their " Successors and Assigns '' XXXX XXXX XXXX. and then to FMA Alliance.
Account was opened XX/XX/2015, I did not find out about this until recently when I saw it on my credit report. I tried to contact the company, but they will not respond.
on XX/XX/18 i deposit check i did not know was not good thay closed my account without telling me
In   XXXX  , I consolidated my student loans through loan servicer  XXXX   XXXX   XXXX  and the loan was funded through  XXXX . I have paid on the loan for the last 10 years without ever missing a payment. Last month,  XXXX  decided to switch servicers from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  (  XXXX  ). When the loan servicers were switched by  XXXX ,  XXXX   XXXX   XXXX  reported to the credit bureaus that they were closing my account.  XXXX  reported that they were picking up my account. Because of this, the credit bureaus all recorded  my 10 year old loan as "  closed '' and opened a " new loan '' with  XXXX  - even though it is the same loan that the bank transferred.     This treatment by the credit bureau is unfair & inaccurate, making it look as if I just opened a new account when I am still paying the same  10 year old stude nt loan. This is unfair to all of the persons transferred from  XXXX   XXXX   XXXX  to  XXXX , and in my case in particular, it dropped m y credit score   XXXX  points just as I 'm starting to look into taking out a mortgage to purchase a home.
My information was compromised with the Equifax Breach and on Friday ( XX/XX/XXXX ), I was told that I could not dispute my inquiries as they are a factual part of my credit report which was false. I expressed my right to dispute any incorrect information on my credit file as I saw fit. He said that he filed a dispute to have the items removed but in a phone call with another representative on XX/XX/XXXX that representative let me know that a dispute was never done. She once again tried to tell me that the information was factual but she claimed to have put in a dispute with conf # XXXX in which I do n't even know if the dispute was actually put in or if I was lied to again.
Despite contacting the company regarding this issue I am making the appropriate monthly payments but the monthly billing statements continue to be incorrect. In the past two months now including XX/XX/2018 my monthly statement does not properly reflect any of the two prior payments and is grossly incorrect. The statement appears to indicate that I am either late or delinquent on past payments in which I am not.
Hello, I just hung up with Navient, again and they were not helpful in understanding my questions. I am trying to understand how my loan with them started at {$36000.00} in 2002 and is now {$51000.00} while I have paid {$26000.00} over the life of the loan and it has n't even made a dent ... instead my loan has increased?? I asked for help and was offered another forbearance ( which I recognize I have used too often but seemed like the only option but it just makes the loan longer ). I make " too much money '' to qualify for anything but not enough to pay this off and I do n't work in any of the industries that allow for forgiveness. How am I ever going to get out of this? The last person I talked to this morning said my only other option was to enter a forgiveness program that would mean another 25 years of the loan, I would be XXXX years old at that point and would most likely have student loans for my XXXX kids. Can you help at all? I want to do my part but paying into this loan balance does n't seem to help actually pay it off. I appreciate anything you can do or any advice you can offer. Thank you so much, XXXX
Original creditor   XXXX   XXXX   XXXX   XXXX  (   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , KS  XXXX  ), is reported on my credit report on all  XXXX  bureaus as a collection debt. This debt was paid on  XX/XX/2014    for  XXXX  to a debt collector  ( Ad Astra Recovery Services    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , KS  XXXX  ).  Ad Astra b ought the debt from   XXXX   XXXX  . I want this debt to be removed. They show inconsistent data across all  XXXX  credit bureaus and no visible account number can be seen.
Went on the website to try and make a payment on my account and it was closed. Chase Bank said that someone tried to make a payment on the account already and it was therefore closed. I 've been with the Chase since 1999 without ever being late. Please help me resolved this issue. I would like to resolve this issue by getting the accounts back open.
I have received repeated telephone calls from someone identifying themselves as representing XXXX  XXXX, a company with which I have no professional relationship. They are calling me repeatedly from a number in Texas -- ( XXXX ) XXXX -- and I have instructed them to call neither my home phone nor my employer nor anyone else to harass and berate me or them. They have refused to cease and desist with their harassing telephone calls. 

My research shows that this company has had several judgments against them for violations of federal law and harassment of folks who, like me, have no professional relationship with XXXX  XXXX. I would respectfully ask the CFPB to levy the strongest actions against XXXX XXXX for improper and amoral business practices. Thank you!
I have only 2 accounts opened But in credit report its is showing 3accounts opened. And my due is appriaximaye 30-40 K.however its showing XXXX. 

Please check.
Signed up for US BANK XXXX rewards card during XXXX XXXX, using their XXXX promo site at XXXX. At the sign up bonus given was XXXX plus extra for each XXXX XXXX won. Total bonus should be just around XXXX XXXX XXXX sign up bonus and around XXXX Olympic bonus ). I called US bank in XXXX ( only call made that month XXXX to confirm everything is good with all promo and a female service rep was able to confirm. Now 4 months later US bank is claiming I dont qualify for XXXX extra since they do n't track correct enrollment. I consider this complete fraud and false advertisement on US BANK part. Also after googling my issue, it seems quite a few customers had same issue with US bank not honoring its own promo.
This is the second time that I have submitted an online payment through XXXX XXXX XXXX 's online web servicing and it has not been processed properly. Each time, I enter the system, enter my payment information using a check and am given confirmation that my payment has been submitted and processed. This confirmation is given through verification of information, a confirmation number at the end of the submission, and a paper letter in the mail notifying of the payment processing. In this case, I submitted my payment for XX/XX/XXXX and received all of the above. I went into the system to make my XX/XX/XXXX payment and was notified that my mortgage was 30+ days late. When looking at my loan history, it shows that the payment I made was reversed three days after my  submission, however, I was neither notified by phone, email, or the system. When I called, they told me that I " must have made an error '' entering my information. When asked how it would take my payment information if it was inaccurate I got no response. When asked how and why I got confirmation numbers, they could not respond. This is the SECOND time that this has happened to me -- the first time they gave me a " grace '' and removed the late payment. Their customer service is well below par and service employees continue to " pass the buck '' and say that there is nothing they can do. I 'm frustrated that I can not trust the process that I 'm supposed to use to make payments and know that I am not the only person they are blaming a poor payment processing system on by charging late fees and negative credit reporting. This is not a way to protect customers who are trying to make their payments on-time -- taking several days to " reverse '' payments without notification.
CBC Credit has been contacting me at work. My supervisor has previously told this agency that I am not to receive personal calls at work. They have continued to call until today when I gave them my card information to setup a recurring payment rather than paying off a total account at once as I have been doing. It was stated that I will receive another call towards XX/XX/XXXX when I should receive my taxes so that I can pay it off with them. This company has been told twice now not to call me at work, yet still does.
We have not had services with XXXX since XX/XX/XXXX, they are saying we opened an account with XXXX on XX/XX/XXXX for the amount of {$790.00}.
I had an incorrectly reported payment on my XXXX XXXX report for XXXX of XXXX. I contacted XXXX XXXX and they agreed to remove the late payment. They contacted all 3 Bureaus and it was removed. A couple of weeks later Equifax put the late payment back and now refuses to remove it. I sent them a copy of the letter XXXX XXXX Sent me as a " letter of credit '' removing the late payment and had XXXX XXXX send them another request and they have not removed this payment yet. XXXX and XXXX  removed the late payment with no issue and have not attempted to place back.
I went to purchase a new house using WellsFargo which was my current loan holder. They had pre-approved me for the new house loan. As we started the process, they sent me an email on FHA Loans and after taking the test, I would be able to receive {$750.00} credit towards my closing. After taking the test and sending Wells Fargo all the documents they needed, they informed me they needed more information due to a large check that was written off of my account. After providing explanation, everything seemed to be going great and I was set to close. Two weeks before closing they told me they couldn't approve my loan unless they got more documentation to confirm the check amount and why it was paid at that time. I talked to the HOA and they provided documentation that was needed. All the information that was asked, I provided and they told me a few days later, they were denying my loan. All this started on XX/XX/XXXX and my close date was XX/XX/2018. On XX/XX/XXXX, the loan was officially denied. When all this occurred I started working with a new loan company and never had a problem with this process. I feel like there was some discriminatory actions that was taken against me in denying my loan. My credit is great and payment history in the past with Wells Fargo has been top notched. Never missed a payment nor was I ever late. In fact I always paid extra. The emails that were sent to me seemed very degrading and to the fact that I was not good enough to get a loan through Wells Fargo.
This is my second complaint filed against TRANSUNION. My first complaint, Complaint Number XXXX, did not lawfully satisfy my issues with this company. This company is misreporting the status and the lien itself. All the liens have been withdrawn by the IRS and I should not have any liens on my credit report. Even XXXX and XXXX REMOVED the liens that were previously reported. I have sent numerous dispute letters to dispute these invalid entries but TRANSUNION refused to comply and remained negligent and none complaint. These are the incorrect and invalid liens that must be removed under the XXXX XXXX XXXX   program and being withdrawn by IRS : 1. FEDERAL LIEN ref # XXXX - This is not mine! My name, SSN, DOB is not by any means associated with this lien! Delete this immediately! I don't recognize that filed date nor the balance they are reporting. 2. STATE LIEN ref # XXXX -- - Same with this lien, - This is not mine! My name, SSN, DOB is not by any means associated with this lien! Delete this immediately! I don't recognize that filed date nor the balance they are reporting. 3. FEDERAL LIEN ref # XXXX - AND THIS ONE AS WELL! - This is not mine! My name, SSN, DOB is not by any means associated with this lien! Delete this immediately! I don't recognize that filed date nor the balance they are reporting. This credit bureau remained none compliant and negligent and I am involving my legal counsel now if these violations were not fixed.
I borrowed money from XXXX XXXX XXXX  several times. Always I have paid my loan faithfully and diligently. I even pay extra each payment to try to pay down the principal sooner. This time I a struggling to make the payments due to loss of income. I reached out to them but because I have not defaulted they would not offer me any assistance with this. They said because I have paid my payments they can't help unless I have a returned payment. This seems contrary to what any reputable agency would advise. Why not help someone when they are trying to not default or cause an issue.
I found that Diversified ( listed as a collection on my credit bureau report is reporting and unpaid debt which they have listed XXXX as the original creditor. The debt is not mine. I never received proper notification that the debt was validated by XXXX XXXX. I never received notice that I have the right to dispute the debt. I never received notice of what it comes from or why Im being billed {$110.00}. I had a long relationship with XXXX and never had any outstanding debts.
On a Bank of America credit card ending in XXXX, I paid the amount due within the 30 day payment policy according to the Fair Credit Reporting Act ( FCRA ). This was done electronically. I spoke with a customer service agent at B of A on XX/XX/XXXXat XXXX and his name is XXXX. During this call it was made clear to him that the payment was made within the 30 day limit according to the FCRA. He did state that a credit of a late fee assessed on my account would be shown on my next statement. Additionally, and more importantly, he said he would make a correction with all four credit bureaus to show " paid as agreed '' for XXXX, the period in question. The credit reports were not updated as per our conversation. 

I made the payment electronically. This alone should invalidate any type of negative reflection on my credit report. 

My entire credit report prior to B of A 's improper reporting to the bureaus showed no negative information for any account. 

The FCRA has a penalty assessment for the improper filing of improper data. I would expect the full amount of financial penalties to be assessed in this case. B of A is handing these situations as if they don't care. They must be held accountable.
I have a private student loan through Sallie Mae. The total amount received each semester reflects both the amount of tuition plus the amount that is estimated to be the total living expenses for a semester. The funds are directly distributed to my school, XXXX XXXX University XXXX XXXX XXXX ( based out of XXXX, TX ), who is supposed to apply the funds towards tuition and then distribute the remaining balance to me ( since after all it is MY loan and I'm paying interest on it ). This is the second semester in a row that the school has kept my funds. 

Last semester, Sallie Mae distributed the amount of {$12000.00} to XXXX XXXX University on XX/XX/XXXX. A credit of {$4800.00} was supposed to be disbursed to me for living expenses for the semester. Instead, I didn't get my disbursement until XX/XX/XXXX, leaving me with no money to live off of for the entire semester. I realize this is a problem with the school and not necessarily Sallie Mae, but I believe Sallie Mae should hold the school accountable for making sure students get their money in a timely manner. 

I called Sallie Mae on two different occasions, and both times a customer service representative told me that once the funds are in the school 's possession, what happens to them is out of their hands. I don't understand how that could be possible as the loan is in my name and I'm the one making interest payments on it. If that were the case, what's stopping the school from keeping my money indefinitely? I believe that the school is using students ' funds to either make interest by keeping the money in their private bank account for an entire semester, or they're using the funds improperly in some other way. It's a very small school and in no way should it take 4 months to distribute these funds. It happens to multiple students every semester.

Sallie Mae disbursed my funds for this semester to the school at the end of XX/XX/XXXX, and now in the middle of XX/XX/XXXX I, once again, am without funds to pay rent or bills ( which is ridiculous because I'm still paying interest on loan money that is not even in my possession ). When I reach out to the school or to Sallie Mae they are of absolutely no help, and I believe that Sallie Mae doesn't care at all that the school is taking advantage of us. 

I believe that Sallie Mae should be held to a higher standard than what they currently are. The school should be required to distribute the funds in a timely manner. Please, please help me with this situation as I have no idea what else to do. Thank you very much for your time and help with this matter.
I attempted to sign up for a credit card at XXXX XXXX to receive an additional 20 % off of my purchase. The sales associate told me that it was a soft inquiry, and that if I was not approved, it would not show up on my credit report. After looking at my credit report ; it turned out that it was a hard inquiry, and not a soft inquiry as he had told me. I would not have attempted to sign up for the credit card if I had known this to be the case.
Diversified Consultants is  reporting a debt from  XXXX  that we disputed for about a year. We are in the process of purchasing a home, and the record was drastically affecting my credit. We finally just paid the debt, because they said we could get the account removed with payment. Now they are saying they do not do payment for removal.
I am a current XXXX student at XXXX University. All three credit reporting agencies are reporting my student loans as past due. They do not become due until 6 months after graduation in 2020. 
There is also an XXXX report in error. All payments show on time except the last one because the car was traded in at XXXX XXXX in XXXX, Texas. They did not pay off the loan for a clear title for 60 days.
Short version : Due to series of bank errors, a credit card account was closed due to late payment. The late payment and account closure were reported to XXXX, XXXX, XXXX XXXX and XXXX. Due to this, I was denied a credit card by the credit union through which I applied. I 'm in the process of closing my accounts with Wells Fargo Bank ( WFB ) and moving them to XXXX XXXX XXXX. 

Details : My only credit card issued through Wells Fargo was stolen in XX/XX/XXXX so I was issued a replacement credit card with new account number. For automatic payment, the credit card department connected my card to a closed checking account, not my error. Ergo, the payment was denied and I was charged {$33.00} for the denied payment and then a {$15.00} late fee. The closed bank account was not attached to my savings account so that the payment was not taken from there, again, a bank error. Further, I was unaware of any of this because I never received a paper bill, my credit card account was not listed on the account summary page I frequently signed on to check on line and my credit card account did not reflect the address change I made to my account soon after the new credit card was issued. Address changes on my other accounts with the same bank were made immediately. I have done business with WFB for years and have never had any problems of this sort. It may be of interest to note that in XXXX 2016, I was given a loan through WFB for a car I bought. That loan has been paid in full.