WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax states that I have a collections account in the amount of {$580.00} with XXXX XXXX. This debt was paid in full in XXXX of XXXX and was removed from XXXX, but not Equifax. I contacted Equifax on XX/XX/XXXX to dispute the account still reflected on my account and it still was not removed. They gave me a confirmation number of XXXX. I received a " dispute completed '' email on XX/XX/XXXX but the account still remained as a derogatory mark. I reached out to the collection company onXX/XX/XXXX ( Collections Unlimited ) to obtain a receipt that the debt had been paid in full, even though it had been reported as paid. Equifax still would not remove the account given the documentation provided.
XXXX is claiming owner ship of my morgage. 
my morgage in the XXXX district court is owned by XXXX XXXX. 
Even though I have never received a transfer notice as required by law frim XXXX XXXX. 
please find with this complaint copies from the XXXX district court snt to me by XXXX
Hello CFPB, I am a customer with Citibank. I use their website to access bank account like millions of other people do it. I have raised an issue with them that their log-in process is less secure due to the fact their password mechanism is no longer case-sensitive. It will make accessing online accounts a lot faster and easier for people who have ill-intentions. I have contacted them through their internal messaging system, but have not received a satisfactory resolution to the problem. I.e. they have not fixed their password bug after I repeatedly reported the problem to them. I would like for Citibank to take this seriously and resolve this issue in a timely manner. 

Thank you for reading, XXXX
EXPERIAN WILL NOT STOP ISSUING FRAUD ALERTS AND SECURITY ALERTS. I HAVE HAD TO CALL ALL XXXX AGENCIES AS WELL AS SMALLER ONES TO GET THIS CORRECTED BEFORE MY CREDIT EVEN GETS A CHANCE TO RECOVER FROM THEM THEY ISSUE ANOTHER AND ANOTHER- I DO NOT KNOW WHAT TO DO ANYMORE- I HAVE CONTACTED CORPORATE EXPERIAN I AM DISPUTING YOU! YOU ARE ISSUING FRAUD ALERTS OVER AND OVER ISPOKE WITH XXXX FROM EXPERIAN AND WAS ASSURED ALL WAS OK- NOW I HAVE XXXX TELLING ME YOU ISSUED A FRAUD ALERT AGAIN AND SO NOW THEY ARE TOO- DO YOU SEE THE VICIOUS CIRCLE YOU HAVE ME IN? SHE CALLED FROM XXXX AND AT XXXX THROUGH THE XXXX NUMBER I WAS LEFT A MESSAGE AND SHE HELPED ME HOWEVER I HAD TO SEND COMPLAINTS TO MANY MANY INDIVIDUALS BEFORE SHE CALLED. SHE HELPED AND BEFORE IT COULD CLEAR FROM CREDITORS SEEING IT THEY ISSUE ANOTHER XXXX. THIS HAS GOT TO STOP!
I am a single mother of XXXX young sons currently receiving unemployment because I was let go from my position due to not reaching my XXXX goal. Based on my credentials, I have received four employment offers in the past month alone however two of these offers have been rescinded upon review of my credit report which reflects three charge-offs totaling approximately {$25000.00} which just occurred in XX/XX/2017. 


I have been in communication with the credit card companies as well as the credit reporting agencies to come to an agreement to pay this off as well as to remove the charge off from my credit report so that I am able to attain employment. To date, they are unwilling to work with me on this. This is a true Catch 22, I have to pay the debt but how would I pay this debt if I can not obtain meaningful employment. 

These charge offs occurred when my then husband lost his job and we were unable to pay these bills. We are currently separated, and at some point will go through the divorce process which again due to unemployment I am unable to move further. 

Attached you will find my resume which should speak for itself with XXXX, XXXX XXXX, XXXX XXXX and a couple others spanning over twenty years of a successful, professional career without ever experiencing a job loss. 
I am a well educated professional woman with many years of experience yet my job offers are rescinded due to this debt. What law allows a credit card company to tarnish potential jobs, as well as a company who can rescind an offer to a more than qualified candidate who has passed all clearances including FINRA. I desperately ask for your assistance with this situation, anything you can do to help this single mother of XXXX young sons. 

PLEASE PLEASE PLEASE help me! 


Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
I have a skylight pay card and they have told me I can either write a check or use the card at specified Banks or ATMs listed in there guide to obtain cash. However I have tried writing a check and taken it to Banks listed to cash the check but the banks refused to cash the check. Also I have gone the recomended ATMs to get money but instead I have been charged {$4.00} as a fee. Neither of these options am I able to get cash. Instead I have to go XXXX and buy something in order to obtain cash. I have been forced to buy useless things at XXXX which I do n't need. A copy of their guideline and transactions will be attached showing how difficult to get the money and also fees charged.
I had no knowledge of this account. I tried to dispute this account before and no changes were made.
Hello, I have no knowledge of these charges. I 've never heard of these transactions and I never gotten anything from them. 

XXXX/XXXX/XXXX XXXX : XXXX XXXX {$460.00} XXXX/XXXX/XXXX Auth : XXXX # XXXX {$89.00} XXXX/XXXX/XXXX Auth : XXXX XXXX XXXX {$360.00} XXXX/XXXX/XXXX Auth : XXXX {$3.00} XXXX/XXXX/XXXX Auth : XXXX {$1.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$10.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$28.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Euro {$10.00} XXXX/XXXX/XXXX Frgn XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8.00} XXXX/XXXX/XXXX Frgn Trans Fee-XXXX XXXXy XXXX {$0.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX/XXXX/XXXX Frgn Trans FeeXXXX XXXX XXXX XXXX XXXX {$25.00} XXXX/XXXX/XXXX XXXX Delaware De {$570.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX/XXXX/XXXX Frgn Trans FeeXXXX XXXX XXXX Pr {$5.00} XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$52.00} XXXX/XXXX/XXXX Frgn Trans FeeXXXX XXXX XXXX Pr {$1.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$63.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$99.00} XXXX/XXXX/XXXX Frgn XXXX XXXXXXXX XXXX XXXX Pr {$2.00}
I received a statement showing that I was almost {$1100.00} short in my escrow account due to the fact that my mortgage lender switched ownership and did not include an RHS fee in my anticipated activity for the XX/XX/XXXX year. Also, I do not have paperwork showing in closing that I agreed to pay this fee. I have attempted to contact my lender and spoken with a customer service representative. They are only agreeing to allow me to pay the shortage back over a 24 month period instead of 12 months. As I told the representative, this was their fault and based on my paperwork, I never agreed to pay this RHS fee. I 've never received a letter or any other form of paperwork stating that a new fee was being added. 
Also, I have had problems with my payments since the beginning XX/XX/XXXX. In XXXX, I wrote a check on XX/XX/XXXX. I had to contact the company on XX/XX/XXXX because my check had yet to be processed. I wanted to make sue that the check had not been lost. The customer service rep stated that he had the check in his possession and would send it for processing immediately. I also had a late fee of {$35.00} due to this. He was able to correct it at the time. In XXXX, I paid another monthly payment online as a one-time payment. It took XXXX days to process and resulted in another late fee charge that I had to address. I am aware that the new law implemented in XX/XX/XXXX about the RHS fee applies to my loan. However, I am not sure that it is legal for the new owner to back-date my loan when they bought it out in XX/XX/XXXX and are trying to charge me the RHS fee for XXXX of when my old company did n't charge me at all.
In XXXX XXXX, my ex-husband XXXX XXXX XXXX XXXX used several personal credit cards and made several purchases without my consent. At the time, the accounts were open and the cards were removed from my purse without my permission. When I was notified by XXXX XXXX XXXX, I took immediate action to secure the accounts effected and at the advice of the Fraud XXXX, I pressed charges against my husband in order to have the account accurately updated and the fraudulent account activity removed from my account. 

Due to the fact that we were married and living on a military installation, the local police instructed me to file a report through the military police. I filed the report and forwarded the copy to both XXXX XXXX and Dick 's Sporting Goods. Since then, the accounts have been closed but there are late payments that are still being reported which are adversely affecting my credit.
Today, XX/XX/XXXX I received an email from XXXX XXXX that a collection account had been placed on my XXXX Credit file. The company name is The Bureaus. I disputed this account because I did n't have a contract with this company and I never did business with them. The collection account was removed from my file and now XXXX has allowed them to place this account back onto my file without by law notifying me within 5 days. This account needs to be removed and this company needs to be sanction for improperly places accounts onto consumers files. Please investigate XXXX and make them aware of these are unlawful practices.
According to the report, I have XXXX accounts that were closed as derogatory which I have no knowledge of. I did n't open or close any of these accounts.
I had an autoloan with BB & T Bank that was part of a Chapter XXXX Bankruptcy. I filed for protection in XX/XX/XXXX Case # XXXX this was dismissed prior to the confirmation due to a clerical error but payments were still being made to the trustee. This Case # XXXX followed and again due to clerical error was dismissed prior to confirmation but payments were still being made to the trustee. Case # XXXX replaced the previous cases and was dismisses AFTER CONFIRMATION in XX/XX/XXXX due to loss of employment. 
At issue is the reporting by BB & T stating that I was past due while in the chapter XXXX and that payment was not received. Payments were sent by the XXXX Chapter XXXX Trustee to BB & T while the case was EVOLVING from the INITIAL CASE FILING # XXXX. 
I have sent a formal letter to BB & T in XX/XX/XXXX with no response and filed an online dispute through XXXX. The online dispute response stated that BB & T has changed the report showing that the account was paid but still shows XXXX missed payments from XX/XX/XXXX ( initial filing ) until XX/XX/XXXX ( case dismissed ). The Trustees office shows that payments were made and received by BB & T starting in XX/XX/XXXX. 
When I had voluntarily dismissed my case in XX/XX/XXXX, I paid BB & T the final payoff for the XXXX XXXX and received the title upon payment. 
I wish to have the late payments adjusted accordingly and fairly. I retired from the XXXX and have XXXX that prevent me from employment. I incurred these debts and have been working towards repaying XXXX my debts back to the Creditors. All I ask is that I be treated accordingly.
Allied Interstate, XXXX has called constantly for the past several days. it is not even XXXX pm today and has called me 5 times with no messages.
I had an existing credit card with Capital One. We agreed to a repayment plan. The debt was charged off by capital one in 2015. Capital One continues to report this as a recent bad debt. The debt has been renegotiated and I have made payments on time every time.
My account was hit with fraud beginning XX/XX/XXXX. I noticed XX/XX/XXXX. There were several charges on my account between 1000.00-1500.00 a pop. I called XXXX XX/XX/XXXX. They stated they would issue a temporary credit to my account. They sent me the paperwork to fill out several times. They also refunded some credit but did not for other charges. I called and spoke with several representatives. They provided me with names who is responsible for the fraud. I made is very clear I do not know who did this. I was told XX/XX/XXXX. To send another letter in stating I would like to appeal their decision. They said I was responsible for these charges and they would send me proof in the mail. They sent me a trans action history not the proof they said they were going to send. I was told on XX/XX/XXXX to send another letter. I have proof I send a letter from XXXX on XX/XX/XXXX. The first rep I spoke with said they received it. I asked to speak with a supervisor who said they never received it. ( So Confusing ) I have complied with all the rules with XXXX, no resolution at all.
Creditor : XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/2017, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX
My dispute with Transunion is improper credit information. I settled an account with a lender for less than the original amount. The account is closed and paid in full. However Transunion has XXXX account in collection. the account was paid there is no collection. I believe it should say, account closed settlement for less than the original amount. That was the banks decision to settle with me. When a bank settles that is essentially a new contract. The credit reporting agency should not have the right to list an account as in collection if the bank settles on a different amount and the account is closed. I believe all accounts that are settled for the less than the full amount should not be a negative thing for a consumer. If the consumer in good faith paid what he could and the bank agreed on a new term to close then its closed. These types of settlements should not remain on a credit report as collections of negative for seven years.
numerous calls to fellow past employees, employers and family seeking information about me, they will not state who they are. Asked me to verify my info with out informing who they are and why they want the info. calls daily to many people i do not even know just worked with.
This is for the XXXX XXXX Credit card ending in XXXX. I should have been allowed to transfer or redeem the XXXX points that equates to at least {$590.00} in a statement credit. On XXXX XXXX, 2017, I received a statement showing the XXXX points were not available. I also can not access the points online.
I am writing this complaint due to TransUnion not responding to have credit inquiries removed due to them not being authorized. I did not authorize numerous inquiries that are showing on my credit report and I have disputed them 4 time and I get the same response days later. Which further tells me that they have not verified these inquiries and keep sending me a generic response. I have just submitted another dispute and if this XXXX  Complaint does not work, I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someone credit is for a firm offer of credit, insurance, employment or court order. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
XXXX is reporting incorrect, inconsistent info about my loan account. I have requested an investigation and upon completion, the information continues to be reported incorrect.
I now live in XXXX XXXX and my CapitalOne Visa card was hacked and someone tried using it to pay a {$4500.00} Alimoney payment in XXXX, FL. CapitalOne caught this and corrected the issue. That I appreciate immensly. 
My complaint is that they have restricted the account since then and I can not get my XXXX reward points. Also I had since returned a {$59.00} item to an 'online ' company and they credited the card they had on file, which is the CapitalOne Visa. CapitalOne was more than happy to take that money ( Litterally - keep reading ) I have called and talked to Capital one until I am " Blue-in-the-face ''!! The only thing they will do is:1 ) If I provide a current Utility Bill from my " address on file '' with them, then they can reinstate the card. ( Problem with that is the 'address on file ' is a " Mail Forwarding XXXX XXXX '' in XXXX ) { and I have been living in XXXX XXXX for a year and a half now } Or ; 2 ) I can go into a branch office ( in the States ) and get it reinstated. I currently have no plans of going back to the States and I am not paying for a 'round-trip ' Airline ticket, Hotel room, Rental car, and Restaraunts, to reinstate a credit card. Particularly when I have others. 
I am not really interested or complaining to get the card reinstated. I just want my reward points and the {$59.00} returned item purchase price ( which last month they wrote it off the books as a " Fraud Activity '' ) They can credit it to XXXX of the other XXXX accounts I have with CapitalOne.. 
The XXXX reward points would more than half pay for the Airline tickets I just bought my sisters, so the could come to XXXX XXXX for a visit. 
Can you help?
I have been battling with a few old student loan collections that should n't have been reported as such because I was not out of school and servicer knew that and did n't communicate to other departments. This balance was handled with a new transfer, and I had disputed with the credit bureaus, and they either did n't investigate, or they did but did n't update and remove the collections. Through XXXX, they even have XXXX of my collections listed as " medical ''?? but they " verified it, XXXX '' and there was a " key derogatory '' that showed two times in 2016 even though this account was handled years prior. Very odd and this is keeping me from buying a house. I 've attached letters and info. Thank you so much for helping
I show XXXX inquires on my experian report that should not be and was not performed by me, I have requested by letter XX/XX/XXXX with copy of companies that they do not belong to me, they have refused to remove off report. 
XXXX -XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX
an unauthorized purchase was made by XXXX XXXX car on XX/XX/2019. I am aware that some has been using my identity for the past 5 years I have tried my best to protect my identity as much as possible. Whenever i am not using my Wells Fargo bank card I always turn the card off, I have reported the issue to the Federal Trade Commission and they have placed a fraud alert on my credit report. Now my account is overdrawn because of yet another unauthorized purchase. I contacted wells Fargo but i was told i would have to wait 10 Days.
Ordered a Large BBQ sandwich for a total of $ XXXXPosted on my account as $ XXXXI specifically did not include a tipThe manager at the business " XXXX XXXX XXXX '' in XXXX , XXXXInsisted it must have been me, other XXXX reviews prove a pattern of theft and fraud. 
I was not the only one with an unauthorized transaction
I have dealt with Navient for many years through college and repayment of student loans after graduating. I have had many issues with Navient with my federal and private loans over the years : 1.  The first recommendation for helping with payments when falling behind has always been forbearance. 
2. My aunt has requested to be removed as my cosigner multiple times and has instructed them to stop contacting her but she still receives calls and mail and was told that she could never be removed from the loans or being contacted. 
3. There are payments " adjusted '' on my account where a payment is made then taken out. 
4. At one time, I had multiple conversations with Navient representatives to update my checking account info and still received multiple calls reporting I was behind along with them calling my aunt who continued to ask them to stop calling her. 
5. There are late charges on my account when I was set up for automatic monthly debits through my checking account for payments
Continuously called, when answered they hung up. I called back to discuss the issue and when I advised that we would be taking care of the debt soon and mentioned the possibility of bankruptcy they representative hung up. The call was not clear, their systems sounded as if I was speaking to a robot the whole time. If they truly want to collect funds they should communicate with clearer phone lines and not hang up on someone that was willing to actually answer their call and even call them back.
I have an auto loan with Santander and each month when I make the payment online I 'm charged a {$10.00} " convenience fee '' The only way to avoid this fee is to mail the payment or setup auto pay with the bank - neither of these works well for me. What can be done to stop them charging a fee for me doing their work?
I have disputed the following Collection Account with XXXX & XXXX - I am in the process of disputing with Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance -  XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all  collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.