WillisBack/dataset-financial-user-claim huggingface dataset:
CARD # 'S : XXXX AND XXXX DISPUTING INFORMATION for payment not posting to account on XXXX/XXXX/XXXX ( card ending in XXXX ) and XXXX/XXXX/XXXX ( card ending in XXXX ). Both payments were made on the mobile application at different times which gave a transaction confirmed icon after made but due to it being from an outside account, I could not verify until three days later which anyone would assume would be fine ( processed ) and not noticing they were late until running my credit report. Due to the money never being pulled from my account ( up to three days later theres a delay ), the payments were never processed and the account reflected as late on my credit report. I want to dispute the LATE HITS on my credit report. Due to the system having a flaw, it should not be the consumers fault. I have called multiple times to address the issue and have had three representatives at different times state that they would get the late hit on my credit report removed but were not able to provide documentation when needed. There are various inconsistencies while dealing with the representatives and should not give out information if they can not go through with it. I have call recording confirmation numbers and employee ID numbers which should be addressed. Overall, I need the LATE hits removed from my credit report and do not have any supporting documents due to the system never removing the funds from my outside account. If the transaction went through immediately the consumers would be able to verify that the funds were removed and processed through successfully. 

Above is what I sent them as a dispute. I had processed two payments on the US Bank phone application and the payments did not go through ( originally showing that they were confirmed payments processed ). I have spent hours and hours on hold being transferred to different departments and they have not attempted to resolve my issue. I am trying to do the right thing here and get it resolved but they are not willing to help and have made it nearly impossible to resolve the issue.
I had fraud items removed from equifax has put them back on with out any notice regarding that they were going to re insert the items. Each company that pulled my credit can show that they were not on my credit and you can see the date from when they were open from XX/XX/XXXX and XX/XX/XXXX these accounts are fraud i sent in my police report and FTC AFFDAVIT signed and notarized years ago regarding these accounts. They claim they ca n't find my documents but these accounts were removed from my credit a long time ago they are breaking the law and XXXX to me about these accounts. 

They have split my file and now i ca n't even get a score because of what they are doing.
I have disputed this erroneous account numerous times before and provided documentation. They refused to investigate and correct their error. They are illegally reaging the deliquency of an account that should have been deleted years ago according to Experians own documents. The account is XXXX XXXX.
While XXXX from XX/XX/XXXX to XX/XX/XXXX ( see attached " Certificate of Discharge '' document confirming my incarceration ), someone stole my personal identification documents ( driver 's license, Social Security card, birth certificate, tax returns, bank and credit card statements, and other sensitive financial documents ) and used the information gained from those documents to fraudulently open a credit card with XXXX XXXX XXXX on XX/XX/XXXX. I became aware of this fraudulent acct when I obtained a copy of my credit reports and saw this acct being reported. 

This fraudulent acct is currently showing a balance of {$4000.00}. The last 4 of the acct # are XXXX. 

This transaction was not made by me or authorized by me. I have not at any time made my personal identifying information available to anyone, and have not benefited from this transaction in any way. 

On two occasions ( XX/XX/XXXX and XX/XX/XXXX ) I reported this fraudulent account to Equifax and sent them the attached dispute letter, police report, proof of incarceration document, and other supporting documentation. On the first occasion in XX/XX/XXXX, they opened up a dispute, conducted an investigation, reviewed all of my documents, and determined that it was in fact a fraudulent account and removed it from my credit report in XXXX XXXX. It remained blocked from my credit report from XXXX XXXX until XX/XX/XXXX when it started being reported again. I filed another dispute with Equifax in XX/XX/XXXX and sent them the same documentation I had sent them back in XX/XX/XXXX when they properly removed the account from my credit report. However, since I re-disputed this fraudulent account in XX/XX/XXXX, Equifax has failed to stop reporting this fraudulent account again when there is no doubt that I could not have opened this account if I was incarcerated. 

In accordance with the Fair Credit Reporting Act, I have submitted all required documentation and statements to prove that I was the victim of Identity Theft. However, in accordance with section 605B of the Fair Credit Reporting Act, Equifax is failing to adhere to its responsibilities and block this fraudulent account from my credit report.
Dear Sir/Madam i had contacted XXXX XXXX XXXX many times and they didn't care about consumer, i have a fraud on my credit and most inquiries has been removed already i had contacted many times XXXX XXXX XXXX XXXX to remove 2 unauthorized Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 by SEARS i had contacted SEAR Creditor how has Run my Credit with Unauthorized and i got t proof ( Two Letters ) from creditor to remove and SEARS already mentioned they sent two letter to XXXX to remove two month ago with no response till now i going now to attach proof has sent to them to XXXX to remove 2 hard inquiry Sears/cbna XX/XX/2018 - Sears/cbna XX/XX/2018 Note : what is the XXXX Problem if i has letter from who run my credit to remove Unauthorized Hard Inquiry So Please ask XXXX  Should care little more about consumer establish credit life in US and remove this two hard inquiry Sears/cbna XX/XX/2018 - Sears/cbna XX/XX/2018 XX/XX/2018
On are about XX/XX/2018, I purchased software from XXXX this was a straight purchase not reoccurring monthly billing in other words I purchased the software out right. 

To my suprise and without my consent or knowledge XXXX with the help of Citibank set-up my card for reoccuring charges. 

I never authorize XXXX to retain my credit credit information or consented to any reoccuring charges. I immediately reached out to Citibank and asked them to remove XXXX and several other vendors from doing reoccuring charges explained I never consent nor was it ever disclosed these companies were maintaining my credit card information. 

Citibank refused to remove the vehicle for vendors to do reoccuring charges told me I had to reach out directly to all vendors. 

Citibank is responsible for the privacy and charges on my account and refused to take any action to stop this practice. I reached out to XXXX whom claimed they had not knowledge of the account being set-up for reoccuring charges. 

I immediated emailed XXXX a copy of the statement showing where my Citibank account was set-up for reoccuring charges and they denied taking such aciton blame this on Citibank and refused to take any action. 

Therefore, I am reaching out once again to CFPB for consumer protection against the voliation of privacy and security.
XXXX has purchased an account that has been discharged in my Chapter XXXX Bankruptcy Filing dated XXXX/XXXX/2012 XXXX Exhibit # XXXX XXXX. The original account was by Chase XXXX ACCT # **************** ). XXXX is reporting inaccurate information to all credit reporting agencies which is in violation of federal law and the fair credit reporting act. I tried written to all reporting agencies in an effort to have this false information removed, but have been unsuccessful ( Exhibit # XXXX XXXX.
Charles Schwab ( brokerage ) illegally took {$190000.00} from my bank account at the Charles Schwab Bank in XXXX, XXXX today ; I deposited a Trust check from XXXX XXXX XXXX, XXXX, XXXX for this amount on Saturday, XXXX XXXX, 2016 into the only ATM and only real Bank Schwab has. We believe they are operating a XXXX State illegal bank where " back office '' is XXXX XXXX XXXX, XXXX where Bank Statements are processed. Deposits are made by pre-addressed envelopes which go to XXXX XXXX, XXXX. 

We believe these are illegal racists acts by the " Client Advocacy Team '' which is a fraudulent name for a Unit with actions like XXXX during XXXX. 

I am an expert on Banking ; You will note " CAT '' on the withdrawl attachment.
When I tried to apply to our credit union for a car loan, I was turned down due to XXXX outstanding debts on my credit report. Both were from XXXX XXXX XXXX XXXX ; XXXX in the amount of {$450.00}, the other {$170.00}. Both were dated XXXX/XXXX/11. I called XXXX to see how to pay these, and they said since they were so old, they could find no record of them. I even told them what my last name was at that time and gave them the address of where I was living at that time. I explained that on the credit report a company named Remit Corporation was listed as the debt collector, but they said they did n't know what company that was. They gave me the number of the company they use for debt collection, so I called them. That company is also telling me they have no record, using both my name or my social security number. So, if there is no record of these so I can pay them and get them off of my credit report, I would like to know why they are still there and PLEASE GET THEM OFF OF MY CREDIT REPORT! Thank you for your assistance.
I have an account on my credit report that is not mine I asked them to send me verification and they sent out a billing statement nothing more .... I disputed it again with the credit bureau and they said they verified the account but how when they only sent me a billing statement I keep disputing this and filling complaints over and over and over and over it is not my account the people who put it on there repeadly say they can not speak to me about this account .. . .I e ven got it deleted in  XXXX  and they put the account back on my account and changed the amount owed just to place it back and even changed the name
On vacation in spring of XXXX, I went to visit my family in XXXX XXXX XXXX. While in XXXX, NY I lost my wallet. I searched for my wallet high and low with no success. Upon the realization that my wallet was gone, I contacted XXXX XXXX and XXXX. When I contacted the bank, I discovered that my bank account was depleted. There were also several unauthorized charges which included : XXXX monthly passes purchases, random locations based out of XXXX XXXX, NY, and several other unknown purchases. All of my identification and checks were lost including drivers license and social security information. I had to replace everything. Moving forward, I purchased a house for myself, spouse, and children in XXXX and became ill due to complications as a XXXX XXXX Veteran. Therefore, I was medically retired in the Spring of XXXX by the Department of Veteran 's Affairs. During this process, I ordered my credit report because of the denial of credit application. I discovered that there were numerous fraudulent charges that I was unaware of. I contacted XXXX XXXX and Experian about these charges. Sending requests to dispute, these fraudulent charges, these accounts had already been sold. Despite this I sent I contacted XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX because they were the charges that I did not authorize and had no knowledge. I reached out via certified mail and telephone correspondence. I received a letter XXXX/XXXX/XXXX from XXXX XXXX that stated- unable to locate an account. I completed a police XXXX for transactions. Despite writing letters to XXXX and XXXX on XXXX, XXXX. I have yet heard back from XXXX or XXXX as these accounts have been sold. Per XXXX I submitted my police report information and FCRA 605b, identification for verification of identity. There has been no resolution. I received a letter from XXXX XXXX XXXX XXXX on XXXX with my no signature or contract. After three months of writing letter, there is no validation or attempts to reconcile this injustice. Equifax refuses to correct this injustice and I have complied with all requests to get the issue resolved. I am reaching out to your agency for assistance because I have diligently worked to remove fraudulent accounts. Therefore, I can not risk or afford for my credit to be impacted in such a negative manner when the transactions were not authorized and can not be validated by the debt collectors. 
XXXX has placed the debt twice on my report, illegally. I have contacted the credit bureaus, numerous occasions stating the previously. I have filed on XXXX, XXXX, and XXXX I have formally requested via certified mail, please assist this matter.
I have a old child support case on my credit report from over 10 years ago and it keeps on updating wrong information about this account
In XX/XX/XXXX my wife and I took out a {$20000.00} loan with XXXX XXXX. Sometime later XXXX took over the loan, then XXXX switched to Ditech. my {$20000.00}, XXXX year loan was up last month. According to Ditech still oweing {$15000.00}. we have paid almost {$52000.00} in XXXX years, at XXXX % interest. In XX/XX/XXXX we had to claim bankruptcy, Ditech does n't even acknowledge it. It 's plain to see the math will never add up! We were also forced to use their insurance, and they also had a escrow account of {$470.00} that was disbursed but to who or what we do n't know. I know I 'm XXXX of many complaints you have received. What am I to do? This is a mobile home fixed loan
XXXX XXXX XXXX XXXX SSN This account is held by Pollack & Rosen XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number XXXX Filing a small claims suit on a statue of limitation credit card in Florida the statue of limitations is five years Florida is a debtor state and this can not be collected on after the bank XXXX XXXX has written it off after seven years
upon researching my credit report, i noticed an agency that i had never heard of nor conducted a contract with had reported to my file that i owed them money on behalf of a debt of mine that they received through an old bill collector. i contacted this bill collector who i had a previous contract with and asked for the contents on the debt i owed to them. This information was received and indicated that the party on my credit file was not collecting on behalf of the original party of whom i contracted with. i then notified the original party that i have been made aware that by debt to them was paid by a third party that i do not know but is claiming to own my debt. It is clear that i no longer owe this debt to them and they are to reflect my account with them as so, they refused. also i would like the account of the third party who unlawfully collected my personal information from someone not myself to be removed from my file. I never contacted this company directly neither have they to me therefore no legal contract between us can be shown. if they have one they must present it. also these companies or any other for that matter have received permissible purpose to report anything to my personal credit file.
I opened an overdraft line of credit in 2010 for an annual fee of {$50.00}. The fee is billed each XXXX. This year I decided the ( LOC ) annual cost was n't worth the annual fee. On XXXX XXXX I paid off the balance on the LOC. On XXXX XXXX I went to the bank branch and told them I no longer wanted the LOC. I was told that I had to submit my request in writing. I later called customer service and explained that I no longer wanted the LOC. I then received a LOC statement charging me the {$50.00} annual fee and some residual interest ( {$4.00} ) from when I paid off the LOC. I called the bank 's customer service and was told that I had to pay off the LOC before they could close it.
Wellsfargo credit card has promotional 0 % balance transfer and it 's good product but i have noticed on my statement that where it says " promotional balance '' it says the balance owned and the APR and balance subject to interest rate and days in billing cycle and interest charge. Now what is missing which is critical information is the date the balance is due. I find that something that needs to be fixed asap. It 's not fair toe the consumer not to be able to have that info on the statement. Thank did say that it 's for " security reason '' but she her self and her supervisor said that does n't make senses either. but i wanted to the BCFP to look at this and fix the issue.
XXXX is requesting payment for an account that I do not owe on. {$140.00} from XXXX These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to TRANSUNION. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. ... only know of this account based on it being reported in my credit report ( s ). I 've never heard of this company and DO NOT owe a Balance of {$140.00} to XXXX! We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against TRANSUNION AND XXXX, in their respective states if this is not resolved NOW! TRANSUNION and These CRAs should be banned from doing business and ruining peoples lives without verifying information 1st! 
I 've ALWAYS had this type of trouble before with TRANSUNION. From fraudulent inquiries on my report, which they will not remove to situations like this. I file complaints over and over and will keep doing it! 
My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised with TRANSUNION! 
I have submitted as well an official SS card and pay stub, wtc with my correct address and these numbskulls still will not update my address. 
ALL references regarding this account must be deleted from ALL reporting agencies. 

-- Thank you, XXXX XXXX XXXX
I have disputed the late payments on XXXX XXXX XXXX   XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I have disputed the XXXX XXXX XXXX on all XXXX of my credit reports, since they were included in my Chapter XXXX Bankruptcy, and the Credit Union refuses to acknowledge that my account should be removed from my report ( It has been over 7 years ). Experian is the only bureau to refuse to remove it until 2018. ALL proof of my bankruptcy has been removed, but they said they would not remove it. I was warned by my attorney that the XXXX XXXX XXXX would deliberately attempt to create issues for those who have had to declare bankruptcy. Unfortunately he was correct. I have spent months cleaning up the discrepancies caused by the Credit Union, with only XXXX issue not fixed ; Experian 's report. Can you please ask Experian to co-operate and remove all the derogatory information from my report? I have been current on all my accounts for over 7 years now, and I very much would like to clean up my credit totally and move forward with our lives, financially. Thank you very much.
I have disputed, notified, notarized documents, and sent numerous letters to the following agencies, lenders, loan servicers, default depts, etc. Telling them all THAT THESE LOANS ARE NOT MINE, AND I WANT MY NAME OFF, MY MONEY REFUNDED, AND CREDIT REPORT CORRECTED, AND COLLECYIONS STOPPED. No one LISTENS. I have told : 1. XXXX XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. AES/PHEAA 6.AES/XXXX 7. XXXX XXXX 8. AES/XXXX XXXX XXXX XXXX 9. AES/XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX that I paid my PUC student loans off years ago before XX/XX/XXXX, and that my first student loan at XXXX XXXX XXXX I paid off over 25 years ago, so how they could say it went into default in XX/XX/XXXXis absurd. It says paid off on the promissary note they sent me. As well as there 's no way in he -- the Federal government would give me a 2nd student loan if I had a loan that went into default 6 months earlier. They claim # 1 Lon at BBI, Which I got in XX/XX/XXXX, paid off inXX/XX/XXXX, went into default, XX/XX/XXXX, and 6 months later federal government gave me a # 2nd student loan XX/XX/XXXX for PUC. No flipping way would governmention ever do that. Also, and Bank XXXX XXXX confirms they never gave me a student loan, which all these loans were made by XXXX XXXX XXXX. They even showed at one point BBI loan came from XXXX XXXX XXXX too, which it did n't it Came from XXXX XXXX XXXX. Common sense tells you this info is not correct.
No XXXX XXXX XXXX was sold, and is no longer open, but was split and bought by XXXX, and XXXX XXXX.
I have my original loan documents from PUC showing amount of my loans, amd they do n't match the amounts these 11 federal agenvies are claiming that are mine. What do I do to resolve this. They continue to steal my money, I am XXXX, and on a fixed income, and they continue nonetheless. Not to mention their pathetic response to my disputes, is to simply give/sell the loans to someone else.
At one point these loans were in 3 states, 3 different account numbers, at the same time/years, same amounts, and all 3 charging their own additional fees. A XXXX loan is now over 18k, after XXXX  worth of payments they stoled from me. And they are not even mine. Please help.
We have been trying to pay off our mortgage to NationStar and now that we FINALLY have a pay off ( thanks to you guys ) they are telling us that since they purchased our loan ( over a year ago ) they have not been collecting enough to satisfy our impound account. How could that be when we have n't had a severe increase in homeowners insurance, tax bills to pay, etc. They are saying that they have been under funded and have made a large payment on our behalf to the county because of this and that we now owe them the amount of the shortage. With all of the mortgage companies that have owned our loan over the years we have never been severely over or under funded to where we ca n't make our impound accounts but our mortgage has varied by $ XXXX- {$15.00} over the life of the loan as a correction to ensure that we do n't have a shortage. How could we want to pay off our loan and all of a sudden be over {$2000.00} short. 

Payment is due on XX/XX/XXXX and we do n't know whether to pay the {$180.00} left on the principal or to make a regular payment and wait to be refunded. It feels as though they want to hold our monies and will have to fight to get it back so that they can collect interest. If they do this to enough consumers they are making money on " holding our cash '' until we prove we do n't owe it. 

On top of that, we 've been trying to fix this since XXXX XXXX and thought the house was ours. Due to them dragging their feet and not replying to our numerous inquiries over the past month, we are now into another month not " owning '' our home, and another month of being charged interest which again is a ploy and way for them to make money where they should not be making money. 

And again, no one to talk to in the US.
TransUnion stole {$20.00} from me. 

These people ARE the credit reporting agencies and they lie worse than any XXXX XXXX " credit '' company. 

Nowhere did they say they were going to charge me {$20.00}. 

XXXX.