WillisBack/dataset-financial-user-claim huggingface dataset:
this company alleges that i owe XXXX dollars but refuses to send me an original contract with my name and signature to verify the debt. ive tried to reason with them for months. the only thing they sent was a photo copy of something that i didnt even recognize. my next step is small claims court.
Credit Technologies inc improperly an inquiry on to my XXXX and XXXX credit reports without my permission and when I contacted them they could find no record of me. I explained to them it was most likely related to fraudulent activity and want it removed to no avail. some on was trying to obtain credit or a loan.
While reviewing the Personal Information on my Credit Report I came across names that are not mine that are attached to my Credit Report. This worries me due to how many Credit Cards and other accounts were attempted to be opened in my name.
Company calls, usually from XXXX XXXX every day. Robocall tells me to call back, I call back, but they say I am not in their system, and I have to wait on hold to speak with a manger to be put on their do not call list. Every time, they tell me I will be added to a list, or taken off the list, but their robocaller continues the harassment. They still can not find any record of my number, and call every day.
I received a {$250.00} Fee from M & T for not signing up M & T Bank 's Online Banking electronic billing statement program. I was under the understanding that I already was as I was an existing customer and my other accounts where electronic. On XX/XX/XXXX I received a letter warning that if i didn't sign up for auto payments and ebill that I would be fined. That day I called M & T 's customer services line. I informed the rep I was calling from the letter that was just sent. She looked over my account and told me that no further action had to be taken and that I can disregard the letter. The next month I was fined for not signing up, I have called the customer services line and refuted the charge. They keep coming back with that the warning letter was sent and I did not take action. I took action to mitigate my damages and was misled by an M & T rep and now have been charged {$250.00}.
I signed up for a department store credit card and registered for online account as well. I received some personal financial notifications from them in the form of emails and noticed that those documents are not secured. They are available for anyone to access and see my personal information which includes full contact information and some of the credit card numbers.
on XXXX, i made a purchase at conns home plus in XXXX, nm. i opened an in house credit account. i took the items back home to california at which time i tried to install the sound bar and subwoofer. i tried as per the instructions, called XXXX tech support and we tried to get the sound to work for over 3.5 hrs to no avail. i was told i had 2 options, i could either return for another system or return for a full refund because i was within the 30 day period. i called conns in XXXX and was told that i would be charge a 15 % restocking fee, i argued this because they would n't have to restock the system because it was defective. they gave me the run around for over a week at which time i filed a complaint with the XXXX texas bbb. i was then contacted by the district manager who in turn authorized the return without a restocking fee. i returned the merchandise and was given a receipt with a XXXX balance and they were suppose to close off the account! there were two other items on the original ticket so they opened another account for these other items. i had made a {$150.00} payment on the original account prior to the return and was told that a refund would be issued to the same credit card, i waited two weeks and no refund, i called and was told a paper check would be issued and mailed. again i waited for two weeks and nothing! i called again and inquired about the {$150.00} refund and i was told that it was applied to the new account. i was never notified regarding this, so i called a different dept and was told no credit was issued. i called the customer service dept and was told no refund, there was no {$150.00} payment or credit. i called my credit card co. and filed a dispute for the {$150.00} inXX/XX/XXXX after their investigation i was issued a final credit from my bank for the {$150.00} in XX/XX/XXXX. so after my bank took the {$150.00}, now conns is saying i owe them the {$150.00} and has reported me to the credit bureas as being over 30 days late. they never issued a credit to me or to the new account and now they violating my rights to contract according to the ftc
I called to dispute money that was taken out of my account by Bank of America on approx. XX/XX/XXXX for XXXX and XXXX case number : XXXX case number : XXXX I opened this account for child support. Bank of America took money out of my child support money that I use for my child. SMH ....
Waypoint Resource Group called XXXX, and attempted to contact a person, who prior to 2012, had this phone number. Since XX/XX/2012, this number has been assigned to XXXX XXXX, who does not know nor is related to XXXX XXXX, the individual Waypoint tried to contact. 

Waypoint Resource Group needs to exercise more due diligence with respect to calling people with whom they have no business or reason to call. Whether or not this call was intentional or due to an error, it still translates into an invasion of my privacy. 

Please ensure that my phone is removed from their database and that I do not receive any more phone calls. 

Thank you, XXXX XXXX XXXX, NJ
PHH in 2013 did not communicate they had not received from their mortgage originator XXXX the automated payment I had set up through online banking. 
As soon as I discovered the missed payment, I paid and set up automated payment so PHH draws directly from my checking account the monthly dues. 
Ever since PHH has represented me in credit reports as late payer and every time I contact them they claim I had a late payment in the last 6 months, while they can not substantiate the claim.
Charges from former apartment in which they ca n't provide the reason for charges. Claimed its all lost
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out physically continuously.
Experian continues to disregard the FCR rules regarding reporting accurate and correct information. They continue to report a Bankruptcy that is not mines or have my name as it appears on my credit profile. The name they continue to list to a Bankruptcy filing in XX/XX/2017 is not linked to the name and social security matching Social Security Adm. I've provided police reports, FTC report and reports from XXXX XXXX all have investigate including the other credit reporting agency and determined the account does not belong to me. 
Experian is purposely reporting false information without providing proof and only stating according to public records, which if they properly investigate the complaint, they courts would tell them the case is not mines. I'm requesting any legal action that could be taken by the CFPB to begin charges against Experian for not complying with FCR rules and policy. 

I'm again submitting my FTC report along with the third party report XXXX XXXX since there previous response was they have not received any information regarding identity theft. 

I'm also requesting all response from Experian to proceed legal actions from my end for reporting information regarding a fraud name being used on my credit report. 

Their reporting source has removed it along with the other reporting agencies who has conducted an investigation and see that the account doesn't belong me but Experian still will not provide any documentation confirming their information.
Pinnacle is false reporting saying that they are a financial corporation and that I have a loan with them ... .they are actually a collection agency and it 's a collection for XXXX XXXX. I have disputed this many of times with the bureaus and they verify as accurate ....
I was working with American Quest Home Loans to refinance my home in XXXX XXXX, California. After a lengthy process which involved numerous lock extensions and constant hassle, I expressed my dissatisfaction with the company and informed them that I no longer wished to go through with the loan because the fees were too high for a simple refinance. I was in the process of shopping for another company when I began to receive numerous telephone calls from another loan officer with their company. The man appeared to be friendly and courteous and assured me that he could get the deal done. I was still dissatisfied with how much the loan cost until I received an email from this man promising me that they would pay me {$5500.00} at the close of escrow which was to come out of their commissions. I relied on this representation by this man and signed the loan documents believing that I would receive {$5500.00} after all was said and done. After the close of escrow I received a check for only {$1700.00}. I have made numerous attempts to resolve this matter to no avail. To this day, the outstanding {$3700.00} has not been paid to me.
In XXXX of XXXX I received a letter from Afni a debt collector stating that I owed a a balance of XXXX on an account from XXXX dated XXXX/XXXX/XXXX. I requested more information about this alleged account as it is not mine and was not authorized by me. I also have had fraud alert placed on my credit reports for Identity Theft that took place in XXXX and subsequent accounts being made in my name that were a result of this Identity Theft. On XXXX XXXX I received a letter from Afni with a bill attached for this account # XXXX stating that this bill was an account validation.
I contacted Experian member services multiple times over the phone since XXXX to let them know that my credit score was being reported incorrectly. This situation is unique because the credit report is correct, however the online tool they are using to report the score is pulling information that reflects a 60 day delinquency that is not on the report ( see attached screenshot ). After contacting them many times, they determined it was a membership services issue, not a credit report dispute ( there is nothing negative to dispute on the report ). It required multiple calls and speaking with different supervisors before someone finally submitted a ticket to their customer care department to begin working on a solution. I received confirmation of the ticket Monday, XX/XX/2018 ( see attached ) after over 2 months of phone correspondence with no results. The ticket confirmation requested screenshots for further investigation. I provided the screenshot to them in an email on Saturday, XX/XX/2018 ( see attached ). I did not hear from them for a couple weeks, so I followed up by replying to the ticket Monday, XX/XX/XXXX and received a reply that only said they are still working on it. XXXX attached ). Experian is still reporting my credit score inaccurately and they have not resolved the issue that is impacting my score negatively after 3 months.
ON XXXX I CALLED XXXX XXXX CREDIT CARD TO ASK ABOUT MY REQUEST FOR CREDIT INCREASE. ONLY WHEN YOU REQUEST A LINE INCREASE DOES THE CARD CONTACT THE CREDIT REPORTING AGENCIES. 
I REQUESTED A LINE INCREASE IN XXXX XXXX ALSO. AT THAT TIME I UPDATED MY NEW PHONE NUMBER WITH ALL THREE BUREAU 'S. 
MY NUMBER IS UPDATED AND CORRECT. THE NUMBER ON FILE IS THE XXXX XXXX XXXX HAS AS MY HOME PHONE AS WELL : XXXX. 
I ASKED THE REP ON THE PHONE IF IT WAS APPROVED AND THEY SAID THEY TRIED TO CALL ME BUT HAVE THE WRONG NUMBER PROVIDED TO THEM BY THE CREDIT BUREAUS. I TOLD THEM THAT THE CURRENT FILE I HAD IN FRONT OF ME STATES THE RIGHT NUMBER ON FILE AND I WAS LOOKING AT THE XXXX DATED XXXX/XXXX/XXXX. 
THE REPS INSISTED THE NUMBER THEY GAVE THEM IS NOT THE CURRENT XXXX I HAVE ; AND SAID THAT THEY WILL NEED TO VERIFIY IDENTITY. I DID VERIFY ALL INFO WITH THEM INCLUDING BANKING INFO ALSO, RECENT PAYMENTS, ALL PERSONAL INFO. YET THE REPS INSISTED THAT THAT WAS NOT ENOUGH AND THAT I WAS WRONG ; AND THAT THE NUMBER GIVEN TO THEM FROM THE BUREAUS CAN NOT BE VERIFIED AND THEY ALSO SAID THAT THEY WILL CALL ME BACK TO VERIFY. YET THEY LIED TO ME AS THEY NEVER CALLED ME AT ALL. IN FACT THE REPS BLOCKED MY CARD AND BLOCKED THE ONLINE ACCESS AS WELL. I CALLED TO REPORT WHAT THEY DID THAT DAY AND THE SUPERVISOR REFUSED TO TROUBLE-SHOOT THE ISSUE AS I ASKED. I TOLD THEM TO CALL THE BUREAUS OR TO ALLOW ME TO SEND IN MY CURRENT COPY OF XXXX WHICH 'PROVES ' MY STANCE. THEY REFUSED AND BLOCKED MY CARD ANYWAY. I ASKED THEM WHY THEY WOULD BLOCK MY CARD WHEN I PROVIDED ALL INFORMATION CORRECTLY ; AND ALSO MADE THE POINT THAT THE CREDIT CHECK ONLY APPLIED TO THE REQUEST FOR INCREASE IN CREDIT ; NOT MY XXXX XXXX CARD ITSELF. YET THE REPS REFUSED TO USE THEIR INTELLIGENCE AND LIED TO ME SEVERAL TIMES SAYING THEY WOULD CALL MY NUMBER BACK TO VERIFY. THEY ALSO ASKED FOR MY SOCIAL SECURITY NUMBER MANY TIMES ; WHICH IS NOT STANDARD PROCEDURE FOR A CLIENT TO GIVE THAT TO THEM ; BUT I DID ANYWAY AS I FELT THREATENED. I WAS TREATED WITH NO RESPECT I DO EXPECT THEM TO UNBLOCK MY CARD AS MY CARD WAS NOT CONTINGENT UPON MY PHONE NUMBER ON MY CREDIT REPORT ; I ONLY HAD THIS ISSUE OCCUR DUE TO MY REQUEST FOR CREDIT INCREASE ; OTHERWISE THERE WOULD HAVE BEEN NO NOTIFICATION AT ALL ; WHICH THEY KNOW ; BUT THEY CHOSE TO BE HOSTILE, THREATENING, AND UNPROFESSIONAL AND BLOCKED MY CARD. THEY ALSO ON, XXXX STATED THEY WILL NOT SERVICE THE ACCOUNT AT ALL NOR FURTHER SPEAK TO ME, OR TRANSFER ME TO A XXXX AS I REQUESTED. THEY THEN HUNG UP ON ME TWICE.
this XXXX account was disputed and deleted from my credit file and now this collection place this account on again
I received XXXX notices from XXXX XXXX XXXX that my student loans were eligible for default. The letters went on to say that XXXX verified my employment and that my lender may contact my employer to institute a wage garnishment. 

I have not had loans with this company for years. I called and both XXXX and the lender told me this was a mistake by XXXX, that they accidentally sent out THOUSANDS of these letters to consumers. This is atrocious.
I submitted a complaint in some time ago regarding monthly maintenance fees which went unresolved. As a result, in XXXX, through my online banking, I submitted an electronic message to BBT to close my account and send me a check or bill for money owed on the account. They failed to do so. Ultimately, the bank continued to charge my account maintenance fees despite my request to close my account.
I have been trying to get access to my account with Coinbase for 3 months. I have an account tied to a student email address at a school which I no longer attend and I can not get access to said coinbase account, as I no longer have access to this email address. I still have the username, password, and the 2 step authentication still comes to my phone - but I can not verify the account via the email address. I have talked to coinbase numerous times, and they are never helpful. They actual told me that everytime I call of email, my request actually goes back to the back of the line. They say the best way to resolve this issue is to stop calling and wait. I originally contacted them in early XX/XX/XXXX, and I contacted them roughly 10 times between then and XX/XX/XXXX. I stopped calling them at this point in hopes that they would give me access to my account so I can withdraw my funds. They have done nothing. I need someone to help me gain access to my money, as coinbase is doing absolutely nothing to help me.
I had two loans that defaulted with Navient. Wen I called and asked them about the defaulted oans after they claim they had no defaults the girl said I had to write in for the info. I wrote a letter requesting the information about the dates. XXXX XXXX sent me a letter and stated they would not make a comment on this and that I had no loans defaulted through Navient, but thats not true. I had two loans they sent into default and are now collecting on them. I need the dates they sent the two loans into default. They will not respond to m, y request. I have called XXXX XXXX  with Navient several times but the person will not return my call. Since XX/XX/2018.
The XXXX credit recording company are still reporting XXXX judgments ( XXXX XXXX XXXX XXXX and also XXXX of XXXX XXXX ) that have been satisfied ( Paid in Full ) over a year ago. I have reported to the credit company s and the court over a year ago.I hope you can help remove this out of date and false information. Thank You
XXXX XXXX ; Accounts not showing that they are with a outside collection agency. False Reporting XXXX XXXX Acct. Is with =XXXX XXXX XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
I have credit inquiries on my report that I dis not consent to that I need to be removed from my credit report ... my Wallet was stolen and someone has been applying for things in my name so they do have my information but it was not me please delete these Thanks
I have an auto loan with Wells Fargo Bank. I have made consistent and on time paymets for the past four years. I have always paid more than what my monthly payment was. My loan amount balance is less than {$1500.00}. Over the last three months, my employer was purchased by another organization and they did not want to keep me during the merger. I fell behind on all of my bills but now have a new job and I am trying to get caught up. I am only two months behind on my auto loan. I have explained my circumstances to Wells Fargo on several occasions, but they continue to call me, my new employer, my family members and even former roommates that I have several times a day to collect a debt. Everyday I speak to them, I ask them to please hold off for one more month so that I can catch up on my auto loan. They call from several different phone numbers all throughout the day, even after they have already spoken with me that day. If they reposess my vehicle, I will lose my new job because I will not have a ride to work. I have begged and pleaded daily for the last month for them to please wait until I get caught up, but they will not. Everybody at my job laughs at me because Wells Fargo keeps telling my new coworkers that they arw attenpting to collect a debt, they even ask my fellow coworkers and family members if they will make a payment on my behalf. I just need one more month ro get back on track with my payments but Wells Fargo will not be sympathetic, despite my outstanding payment history. This issue is also occuring with my Wells Fargo Credit card. I have also been charged several overdraft and NSF fees from Wells Fargo drafting my wells fargo auto loan and wells fargo credit card payments from my wells fargo checking account. I have asked them to stop but they say that it will keep drafting. All of my accounts mentioned in this statement are with Wells Fargo. They are completely able to see that I do not have the money in my checking account but will still draft the payments and then charge me overdraft and NSF fees.
I had a car accident on XX/XX/XXXX. I took a leased car on XX/XX/XXXX from the XXXX of XXXX XXXX. The loan was pre-approved from XXXX 's bank, but the GAP company didn't process the payment they had to make for the car I lost in the accident. The dealer was scared to lose the contract with the new car. They looked at my credit score at the beggining, so I think they started to check my credit score again three times with three different companies without my permission, change the contract, and try to sell me the car instead of leasing it.
InXX/XX/XXXX, I became a joint accountholder on my husband 's pre-existing checking account with XXXX. XXXX Our account number is XXXX. ) InXX/XX/XXXX, XXXX began reporting the status of the account on my credit report as " Current, was past due 60 days ''. This is a result of activity and payment history made in XXXX and XX/XX/XXXX prior to my designation as a joint signer/accountholder named on the account. 

Given that the reporting of this payment history negatively impacted my credit bureau reports and is inaccurate reporting since the activity took place prior to my being a named accountholder on the checking account, I submitted a dispute with Experian on XX/XX/XXXX. On XX/XX/XXXXI received a response that my dispute was denied by XXXX because the information reflected on the credit bureau report is accurate. 

On XX/XX/XXXX I submitted a new dispute, directly with XXXX for the same reason ; that the information reflected on the credit report is inaccurate since the activity being reported took place prior to my designation as a joint signer for the account. I subsequently received a letter from XXXX dated XX/XX/XXXX indicating that the inquiry can not be honored because " you are a joint signer for the above referenced account, both parties are equally responsible and the payment history will reflect accordingly. '' Again, I do not think this is accurate given that the account activity and payment history in question occurred prior to my designation as a joint signer on the account. I request that this inquiry is revisited to make the necessary updates to my credit bureau reports.
On the XXXXXXXX I made a payment at capitol one credit card for {$1800.00} I have emails confirming the payment posted however on XXXX XXXX XXXX XXXX capitol one charged me again for the same amount, purchase adjustment, I called XXXXapitol one and they said they charged me twice and I will pay twice and they wont refund my money.
After reviewing my Transunion report I found that they were reflecting my credit card usage incorrectly. My credit card account had been extended from XXXX to XXXX. It had been that way for a couple months. So I called the card issuer and was informed that Transunion had been notified the same week the credit increase was issued. I then contacted Transunion via XXXX XXXX dispute. I asked that they correct the credit limit reflected on my report so that it would raise my score. 
Instead Transunion Deleted the only credit card I have from the report there by lowering my score .... 
I have tried to call them several time yesterday the 3rd and after 8 attempts I still could not get someone on a line that was not cutting in and out making the call in audible and ending in a disconnection from their end. 

We have so little control over these three companies and all our financial futures lie in there hands. The three should have higher consequences for situations such as this where they are holding up my prosperity ... ...
Could n't verify my address supposedly after fasley advertising credit for all. The companies that provided the information are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX. The company that offered the loan was Flourish Inc. DBA Lendup XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX.
On multiple occasions I have requested a dispute against the count XXXX XXXX XXXX that was sold to XXXX a collections agency, I paid and settled this item And asked all credit bureaus to update This item as no longer negative But paid / Settled All the other agencies except for Experian have complied with my request to correct the issue Experian continues to leave it incorrect Showing still owing when I have sent proof That it is paid and settled Im contacting the CFPB to help me in this matter Thank you