WillisBack/dataset-financial-user-claim huggingface dataset:
I have informed you that the Account Service/XXXX Account that is reporting on my credit file is not my account. There are duplicate reportings of this same account and both of these reportings do not belong to me. Please removed these accounts from my credit file, immediately. Please see the attached police report notifying you that I was a victim of identity theft.
I continue to call to see if my balance is paid. I get paid every week and the amount that shows is more than what is owed. I am getting over garnished and the debt collector is not communicating with my employer. Currently I am in the XXXX, the judgment was for XXXX and some change. Their response is that they have n't gotten the payment, but every time I call its a different answer. The last time I called they said the last payment they received was for {$40.00}, but that was taken out of my check XXXX weeks ago. I just want proper communication between the creditor and my employer.
I have filed over 3 online disputes regarding  XXXX   XXXX  showing up on my credit report when I have not used their service in over 15 years. I have had a different phone carrier for 15 years or more and the credit bureaus have failed to listen and validate the debt. I want it deleted so that I do n't escalate this matter further.
In  XXXX  I received an offer to upgrade  my Walmart Card to a Walmart Master Card from Sychrony bank. I called and spoke with them about the offer. They initially   told me that it would replace my current card and nothing except the account number and ability to use it would change. Upon further investigation I discovered that this was not true, that instead it would be a brand new account with a new starting date. I called the automated system and opted out of getting the card and I called them directly and told them I did not want the card. They did not opt me out and instead sent me the card. I have also since then asked them to stop sending me emails to activate the card. I have also spoken with an individual at their corporate headquarters at the phone number given of  XXXX  ext.  XXXX .  XXXX   XXXX  assisted me and said she would get back with me and that I would stop receiving emails. I am still receiving emails and when I attempted to contact her today the phone number no longer works.     I think the practice they are doing is misleading. They call it an upgrade when it actually replaces the account with brand new information reporting to the credit bureau. This is not clearly stated in their communication and thus does not allow a consumer to make a qualified judgement on accepting the offer. An upgrade to this product should have no negative affects for choosing it and if there are then it should be clearly written in the offer itself. If it is hidden in the fine print I have yet to be able to find it. In a matter such as this consumers need protection from the company if they are not making this information clearly identifiable and easy to find. A new account will affect an individuals average age of account and consumers do not need to be tricked into taking something that will have an adverse affect on their credit bureau report. There is nothing preventing Synchrony from simply doing the right thing and making it clear or simply actually upgrading the account and allowing the consumer to retain the history with the credit bureau they have already established.     In speaking with Synchrony about this at their normal customer service phone number for the account I have been given wrong, contradictory information, misleading information and information meant to deceive people from making a qualified decision. They have told me that if it reports wrong then I need to contact the credit bureau to take care of the issue, which can not be done since the information is not technically wrong at the credit bureau and the credit issuer themselves would actually need to do such a thing. They have told me that it would replace the information at the credit bureau, when indeed it does not, it creates a new account and closes the old account. The information reported is current as of the day of being offered the account or acceptance of the new account. They have told me that only the account number would change with the credit bureau, which is not true since a new account opening date would be reported and the other account reported as closed.
My bank ( XXXX XXXX XXXX ) sent a SEPA payment of XXXX Euros to Coinbase on XX/XX/XXXX and one SEPA payment of XXXX Euros on XX/XX/XXXX. Coinbase stated that the name of my coinbase account was not the same as my bank account so said they would return the funds. They said these funds will be returned back to the sending bank within 1-2 business days. 
My bank advised me that these funds have not been returned. After providing Coinbase with additional payment details to make a SWIFT Payment on XX/XX/XXXX, may bank still stated they have received the funds. 
On XX/XX/XXXX, I received an email from XXXX at Coinbase to say that payment have been reversed. Again my bank has no evidence that these funds have returned. 
On XX/XX/XXXX, I had further discussions with my bank. They stated Coinbase need to provide the XXXX of the returned payment to they can investigate the payment from our end to try to locate it and get it returned. 
I have had no response from Coinbase since XX/XX/XXXXCoinbase case ID 's are XXXX, XXXX, XXXX
I signed for a loan with TitleMax ( XXXX ) XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX In XXXX 2016. I am no longer employed and can not pay on this title loan. TitleMax calls me mutiple times a day leaves messages sometimes and other time says nothing. This has been going on for two weeks now. On XXXX/XXXX/2016 TitleMax called my brother asking questions about me and did not identify who they were. I am stressed out and can not sleep at night due to this company
To Whom It May Concern, I recently pulled another copy of my credit report and noticed the following information are in error and still have not been corrected : This letter is my final communication in regarding the inaccurate entries being reported on my credit report.

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at : XXXX XXXX XXXX, XXXX, NY XXXX. 

I am seeking {$10000.00} in damages plus {$1000.00} per incident for : Violations of the Fair Credit Reporting Act - including but not limited to Section 611 Violations of Defamation Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 


Prior to our court date if you should decide to correct your records and remove the negative and false item in question, please contact me at the address below, and I will subsequently withdraw the lawsuit. 

My contact information is as follows : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Cc : My Attorney Credit Inquires : The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : ( List all the companies that have pulled your credit, whom you did not give permission to do so ) 1. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 4. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5.  XXXX XXXX Inquiry from XX/XX/XXXX 6. XXXX XXXX Inquiry from XX/XX/XXXX 7.  XXXX Inquiry from XX/XX/XXXX 8. XXXX Inquiry from XX/XX/XXXX 9. XXXX Inquiry from XX/XX/XXXX 10. XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my non-drivers license as proof of identity.
BMO Harris advertises that " Open a BMO Harris checking account ( BMO Harris Select Checking and BMO Harris Portfolio Checking ) and receive a bonus of {$200.00} when you set up a qualifying recurring direct deposit of at least {$300.00}. '' I have completed the requirement many months ago and they have refused to pay the bonus. The reason was " Your account had only XXXX direct deposit of a Social Security payment ; it was not recurring. All other credits to your account were internet transfers from XXXX. '' I apologize for having thought that recurring deposits from my military account would qualify. I kindly ask if you could please honor the bonus as a one time courtesy. 

Thank you so much,
I recently received a copy of my Experian credit report. The credit report showed a hard credit inquiry by XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, & XXXX XX/XX/XXXX that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. I need your prompt response to this issue. Please be so kind as to forward me documentation that you have removed the hard inquiry. If you find that I am mistaken, and I did provide authorization to inquire into my credit report, then please provide me proof of such authorized inquiries.
I checked my credit report and there was s derogatory mark place on by a Company called Midwest Recovery Systems, which I have never heard of or received any type of communication from. The company they are supposed to be XXXX XXXX XXXX, which I have never done business with, and they don't even exist where I live. I am trying to have the derogatory mark removed from my credit report, it affects it adversely. I also filed a complaint with the XXXX.
Navient has been terrible about providing accurate and timely information. Neither myself or the cosigners are ever notified of status changes of the loans or payment changes, therefore late fees incur alongside other unnecessary fees. Customer service is often not helpful and provides varying information between the cosigners and myself when contacted. I honestly feel that I know nothing about my loan because of the lack of information provided. I don't get mail from Navient and seldom receive emails. I do not even receive confirmation when I call to address errors or issues. I feel that I am being taken advantage of.
Started process to refinance my home due to my husband taking a job at XXXX ( better future & benefits ) less pay. Had Good credit rating ( XXXX ) & good amount of equity in my home having lived there for 10 years. Chose to work with Cardinal Financial on XXXX XXXX, XXXX XXXX Loan Originator had purposed XXXX cash out option and an interest rate of 3.875. That sounded like the best option for me to consolidate some bills & some light home improvements .We proceeded with the process and were on schedule to close in XXXX I had discussions with my current mortgage company that I would not be paying XXXX mortgage payment due to closing the refinance in XXXX. We were on schedule to close XXXX XXXX with a notary scheduled to come to my house to sign all of the paperwork. The documents came to me electronically on XXXX XXXX and they were not accurate. Cardinal had made errors, the cash out option that they purposed was around 6,000-7,000 ( instead of XXXX ) & I had a discount that was supposed to have been applied for XXXX that was not applied. That was around 7,000.00 in errors on their part that needed to be corrected. They did finally get the documents corrected and should have advised that I make XXXX mortgage payment since they are the professional and I did not know. The notary came to my house on XXXX XXXX ( not XXXX XXXX as originally scheduled ) ) & we signed and notarized all of the documents .We Closed the deal ( So I thought ). I got a call from XXXX XXXX Loan Processor on XXXX the XXXX saying due to the XXXX house payment not being made they could not continue the contract. I was devastated all that time and effort down the drain, little did I know this was the beginning of disastrous consequences to my CREDIT. My credit score went from XXXX to XXXX ( checked XXXX ) so I can no longer refinance with any company. I tried to get a home equity line of credit with my mortgage company & my personal bank All rejected due to the refinance attempt that ended badly. This horrible nightmare has caused me thousands of dollars, a large amount of grief and numerous sleepless nights. I gave Cardinal an opportunity to make this right as it was their errors that caused the delay. They declined. I have spoken with professionals in the matter and am taking steps to fix a terrible injustice
I purchased a system from XXXX XXXX as a free trial for {$24.00} and returned it to the merchant before the trial period expired since the merchandise was defective. The merchant never returned the initial amount of purchase but then charged me for the next month supply ( which I never received ) as a recurring fee of {$69.00} and I disputed the transaction and told them I have already returned the system and they should n't be charging my card with any recurring fees because I wanted no business with them. All I know after that I started receiving calls from a collection agency named Monterrey from which I have never received any mailing stating why they are charging me the amount of {$590.00} reflected in my credit score or how to dispute this transaction. They are harassing me with calls at anytime, even when I have told them to stop calling me at work, they got my house phone number even when I never gave out this number and have n't stopped calling me since. I called the original merchant for an explanation of why they are charging me that amount when they have the system back and they just blew me off telling me I need to talk to the collection agency. I 'm seriously considering a civil action against the XXXX companies for unlawful business practice ; they are charging me for an amount they have n't disclosed in detail why I owe them, then harass me at any given time they feel like calling me, I have asked them for a detailed explanation of the " debt '' and as a consumer I have not received any plausible explanation of this so called " debt ''. It 's been a year since I first purchased this merchandise and returned it, and it 's getting to the point that they are ruining my life with this issue, they will wake me up my sleep with calls. Please help me with this matter, I do n't know what else to do. Thank you.
The CBE Group is trying to collect a debt from me for the wrong amount for XXXX XXXX. I have asked them to validate the debt by providing me with the contract, detailed bill showing all of the charges because I do not agree with the amount. XXXX a rep there that I have talked to a number of times advised me that they do not have it and that they are not required by law to provide me with this information. I have been asking since XXXX. This bill started out at XXXX and then they sent me a notice for XXXX in XXXX, then this month they sent a notice stating I owe XXXX. The reason for this is because they state they have bought the same bad debt 3 times and charge me 18 % each time. I advised they have had this whole time and that they cant do this and XXXX advise " We can do what we want ''! I only owed them XXXX and I have offered to pay this but they will not except it.
I have contacted all three credit reporting agencies about the accounts reporting in error on my report. I have spoken directly with the creditors as well and they will not fix these problems and it is very sad because I am unable to move on with my life. Please help me to remove these items! These accounts are mine and I have submitted an identity theft report as well. The accounts that are reporting that are not mine are, XXXX XXXX XXXX XXXX/XXXX XXXX XXXX ( Reporting twice ) XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX I do n't even have a car!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /Reporting 11 times! I paid for my education, never received any financial aid! XXXX XXXX A Public Record filed with a reference number XXXX I have spoken to all 3 Agencies, I 'm not being helped as I should be! I will not rest until these accounts are removed, this should be illegal!
Fraudulent charges were found on my Kohl 's credit card in late XX/XX/XXXX. Kohl 's initiated an investigation into the fraudulent charges, and during period of the investigation late charges were accrued in XX/XX/XXXX-XX/XX/XXXX. Also during the period of the investigation, Kohls customer service rep advised me not to make payments of any sort. Kohl 's investigation ruled that these charges were indeed fraudulent ( see attached letters ). Kohl 's refunded the fraudulent charge and late charges and stated they would contact the credit bureaus to correct the late charges that significantly impacted my credit score. I expressed to Kohls customer service reps the urgency they have my credit score corrected since I am closing on the purchase of a house in early XX/XX/XXXX, and this impact to my credit score is preventing me from obtaining a low interest rate. After ~2 months of contacting multiple Kohl 's reps and supervisors, and them assuring me that this would be corrected with the credit bureaus, this has not been done as of today ( XX/XX/XXXX ).  I have contacted both XXXX and XXXX minutes prior to writing this complaint, and both credit bureaus confirmed that Kohls has NOT reported correcting the late fees. Kohl 's has failed to contact XXXX and XXXX to report they have corrected the charges so that my credit score can be corrected in this urgent time. Kohl 's has repeatedly demonstrated extremely poor customer service, and by not reporting to the credit bureau 's are refusing to take ownership of their fault.
I purchased an auto mobile from Auto Masters in XXXX. My down payment was XXXX dollars. I only had the car for two weeks before they repossessed it. They kept my down payment and I never was late on one car payment because one was never due. They then put a repo on my credit report that is now showing paid but there 's a judgement on my credit report for XXXX dollars. I want it removed. It was the auto masters off XXXX XXXX in XXXX XXXX : XXXX XXXX XXXX, XXXX, TN XXXX Hours : Closed today Phone : ( XXXX ) XXXX My name is XXXX XXXX XXXX and my DOB is XXXX/XXXX/XXXX and my social is XXXX
On XXXX XXXX, 2017 a complaint was filed to you regarding hardship paying mortgage due to an unexplained escrow account on the mortgage account. The owner of the property wanted the escrow account to be removed from the mortgage because the total amount due was increased from {$800.00} to {$1600.00} and it exceeds the amount he is able to pay monthly. Since then, Wells Fargo will not work with us to lower the monthly payment and we are at our wit 's end. Also, Wells Fargo has not explained how the escrow is being applied, since they have included this on the mortgage. Payments are now 4 months behind, since the owner can not afford the monthly payments.
The reason for my complaint is because this debt was added to my credit report without a debt validation letter. I do not agree that I owe the creditor that the collection agency is attempting to collect the debt on behalf of. I feel that the creditor concocted a debt and sent it to a collection agency without sending it to me to avoid me questioning the debt. I feel the creditor did this because I chose not to extend my lease, even after they offered to reduce my rent. When I originally signed my rental agreement, this home was owned by XXXX.It was later sold to XXXX while I was still under lease agreement. At the end of my lease, I chose to move. I was not aware that this company reported a debt to a collection agency until I attempted to advance in employment and a credit report was pulled. I have sent numerous request to the collection agencies to remove this item, but they continue to find the debt valid. On XXXX XXXX, 2015, I sent a debt validation request to the collection agency, but they have not responded. I sent the letter by regular mail, but I know that the letter was received because I requested that they remove a duplicate item from my report and the item was removed. Please assist me with resolving this issue.
I have received a copy of my credit report and there is a debt listed as in collection from original creditor, XXXX XXXX, dated as opened on XX/XX/17. I did not attempt to open any accounts with XXXX XXXX.
Long term customer of Citibank ( 10 years + ) - platinum visa card. Perfect pay history with Citibank and all other creditors.

Citibank misapplied one payment ( as I had made it 3 weeks early - they erroneously applied the payment to the previous month ).

Once I contacted Citibank they fixed the error and properly re-applied the payment and reversed the late fee.

However several months later when I applied for a second VISA card - they turned me down citing a recent late payment - I explained that this was their error. They acknowledged this from notes in their system yet refused to grant further credit or reverse the credit inquiry or give me assurance that their error was not reported to the credit repositories.

I would like Citibank to reverse the credit inquiry and update the repositories that there was no late payment.

I highly value my credit rating, which is perfect and I do not want Citibank ; s error to blemish this perfect record. Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX  XXXX XXXX
There are 3 unauthorized credit inquiries on my credit reports from CAPITAL ONE AUTO FINANCE from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize any of the inquiries from those dates.
I am trying to transfer my credit card balance from American Express to XXXX for some reason American Express is not wanting the balance to be transferred. They have even been adding late fees for no reason. The first balance transfer request happened with discover on XX/XX/2018. Proof of timely payments to american express are included
Dear Sirs/Madams of the C.F.P.B. So it's been 15, years from XXXX, this day since I've been received request for collection from all kind agencies in U.S. to collect for merchants name WAMU and now on XX/XX/2018, from the Debt collection XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX, phone XXXX and now added with this Chase Bank claiming that I owed them {$6800.00}, for what? I don't know because that I have never had any account with these banks, which caused on XXXX that I wrote 5, letters to that WAMU merchant/bank asking them to provide me with any applications or forms filed with my signature ( documents ) regarding to they allegations, but never had any answer, but still receiving these threat of seizing my property/ bank account, or going to my employer for collection, so makes that a very terrible threat, and caused me so many stresses, some times even leveled up my XXXX disease 's problem to a XXXX level, and especially for mess up my credits and prevent me getting even a job, and caused me now to be unemployed to this day. Which caused that I've filled this complaint against these merchants WAMU/Chase Bank to show any evidences that they have to me and to XXXX XXXX XXXX in supporting of their claims as fast as possible, or remove me out of their collection, please every responses to me or to XXXX XXXX XXXX and must be in writing all documents. 

Respectfully submitted XX/XX/2018 XXXX XXXX Claimant Phone XXXX XXXX XXXX