WillisBack/dataset-financial-user-claim huggingface dataset:
An account ( XXXX XXXX XXXX ) that has been investigated and deleted by XXXX and XXXX is still being reported by Experian, after disputing multiple times on XX/XX/2018, XX/XX/2018, XX/XX/2018, & XX/XX/2018 and never receiving a response I've decided that a complaint is necessary. This account is inaccurate and falsely reporting the wrong address and date and I've sent documents supporting the inaccuracies and requested for proof or validations of the account and I've never received anything back from Experian because of this the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file according to the FCRA and has been removed from my credit report held by XXXX and XXXX I am requesting that Experian follow the FCRA Guidelines and the item be deleted. Please follow suit and delete this account for accurate reporting as soon as possible.
1. I contracted with a moving company ( XXXX XXXX XXXX  ) for moving services and charged two deposits for the move ( {$930.00} and {$200.00} ).

2. On the day of the move ( XX/XX/XXXX ), the moving company showed up and attempted to DOUBLE the cost of the move without approval, notice, or any agreement on our part. It was an attempt to extort money.

3. I refused to be taken advantage of by the moving company and cancelled the move.

4. I immediately ( that day in front of the moving company ) called Chase and asked Chase to stop payment of the deposit charges was engaging in deceptive and fraudulent practices.

5. We made a separate agreement with a moving company and proceeded forward with the move.

6. Written documentation ( XX/XX/XXXX ) was sent to Chase regarding the disputed charges.

7. Since that time ( over 3 years now ) Chase has continually responded that the charges were valid for two reasons : A. We did not cancel by giving the required 10 day notice.

B. The company provided Chase with a " bill of lading '' for the move 8. A. I do not believe it is reasonable to enforce a 10 day cancelation policy when the company attempted to double our charges on the day of the move. That is not a reasonable expectation or reason Chase should deny our claim to have the charges removed as requested on the day of the move. Chase was properly notified and no services were provided by XXXX.

B. The " bill of lading '' provided to Chase by XXXX was not a " bill of lading, '' it was a pre-move list of items to be moved ... clearly dated XX/XX/XXXX. The move did not occur until XX/XX/XXXX. This has been documented and sent to Chase over and over, yet Chase refuses to credit our account.
A collection debt was previously deleted and a year later reinstated on my credit report. I never received a reinstatement letter from any of the 3 major credit bureaus as required by law. I put in a dispute on XX/XX/2018 and still have not received a response and the item is still on my credit report.
Filed a complaint about the tactics used with XXXX and XXXX XXXX XXXX XXXX ( XXXX ) and Transworld Systems Inc ( TSI ). XXXX issued paperwork regarding a debt collection to the wrong address with no attempt to certify reciept. XXXX also did not address their connection to TSI. Paperwork from XXXX shows debt transferred to TSI. Paperwork dated XX/XX/XXXX " your debt was certified to the Treasury Offset Program and transferred to our third party collection agency TSI. '' also " If you have any questions or concerns about the account, please contact TSI at XXXX. When contacting TSI, they stated " they do not own the account and can not provide you a statement or history on the account, please direct your questions to XXXX ''. XXXX mailed a letter to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX ; this address was not valid as I had been in XXXX for a year. No attempt to call or contact was made past this letter. When I was finally contacted via telephone on XX/XX/XXXX, they refused to attempt a repayment and required me to go through TSI.  XXXX/TSI violated 15 USC 1692J for furnishing deceptive forms as to who held the debt/account. 

Debt has been payed completely through TSI. When asked for a finalized statement, TSI, again, could not provide. When contacting XXXX, they could also not provide. The representative did say the account had been closed since the default date.
I am a victim of account takeover. The hackers created a chip based card and had a PIN to withdraw fund from ATMs. The perpetrators has also found a way to intercept my paper statement and send me modified statements so I would not see fraudulent activity. I only caught the activity because of fraudulent activity on another account from another bank so I checked all of my cards. Discover is holding me accountable solely because they were chip and PIN transactions. The police were not able find any proof of fraudulent activity because Discover took so long to respond. All video evidence of the activity was no longer available. I have filed a claim with the FTC for Identity theft. Report number XXXX. XXXX County Police report number is XXXX. The FTC suggested I contact you since I have taken all of the appropriate steps but have not have the correct outcome with Discover. 

I have evidence of all of the activity but am unable to upload since the scan is greater than 10MB
Hi, my name is XXXX XXXX. I work at XXXX XXXX  XXXX Banking XXXX in XXXX XXXX, California. This morning at XXXX I received a unknown caller that said he was calling from XXXX embassy that they have two certify mails from XXXX XXXX police department addresses to me about this case, reference no XXXX. Then I got transferred to speak with the supervisor XXXX XXXX XXXX XXXX. She told me that the police in XXXX had caught this lady named " XXXX XXXX '' and find out she has XXXX - XXXX debit cards under different names and one of the card is under my name. XXXX XXXX told the police she bought this debit card from me that she paid {$3000.00} to me. " The Police '' in XXXX also found out in XX/XX/2018 I was opened an account at XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX branch, New York. I haven't been to New York for more than XXXX years. The embassy even transferred my call to have me spoke with " XXXX XXXX '' in XXXX XXXX XXXX police station. " XXXX XXXX '' wanted to take my statement by asking first my phone number, and I answer him that how do I know that you are the policeman. He said " understood '' then hung up. After half an hour I received three different numbers phone calls XXXX XXXX, XXXX and XXXX ). I block all those numbers from calling back and I block my caller ID and called those number back, so the calls are ringing and went to voice mails. I left messages for them said that I need more information for police record. I really think these are scam and would like to have someone look into those phone numbers and prevent it happening again. Thanks a lot and much appreciate.
I had the Chase XXXX XXXX card. The day before my {$450.00} annual fee was going to be charged, I downgraded to the Chase XXXX XXXX card, which only has a {$95.00} annual fee. That said, Chase charged me the {$450.00} annual fee AND the {$95.00} annual fee anyway. I have called multiple times to have the {$450.00} annual fee refunded and they keep telling me to wait and that it would come off. On my last call, the lady said it would likely come off for my XXXX XXXX statement but the {$450.00} fee is STILL on my account and they are STILL charging me interest on the balance. I was given a small adjustment for the interest but it does not cover everything. I am at my wits end and want the {$450.00} refunded immediately.
My credit report states that I applied for this loan on XX/XX/2017. I did not apply for this. I got my car loan in XX/XX/2017. I know nothing about this company as I never received a letter from them as I did from the other companies. My dealer tried other companies that I have a list of. The company is XXXX XXXX XXXX XXXX I have no idea what the " XXXX '' is for.
In XXXX I called spoke with a rep who agreed to cancel my auto draft for the XXXX and I would make the payment 1 week following and pay the {$40.00} charge. Well even after that my account was drafted and I rcvd XXXX $ XXXX XXXX/XXXX/XXXX RET ACH FEE $ XXXX_RCVD back XXXX/XXXX/XXXX RET ACH FEE $ XXXX_RCVD back XXXX/XXXX/XXXX RET ACH FEE $ XXXX_still waiting XXXX/XXXX/XXXX RET ACH FEE $ XXXX_still waiting Then On XXXX/XXXX/XXXX XXXX and I arranged my payment for {$2000.00}, I was waiting for a check to clear so the payment declined But the same day the check cleared I tried to reach XXXX but havnt been able to get in touch with her. Then on XXXX/XXXX/XXXX you guys drafted my account FOR AN UNATHORIZED payment for {$1000.00} XXXX/XXXX/XXXX RET ACH FEE because XXXX/XXXX/XXXX the payment of {$2000.00} tried to redraft and caused my account again to go negative and rcv that fee. 
I have been working with XXXX XXXX and now after numerous emails and numerous voicemails left for her and to return calls I am very upset. 
*Still waiting to receive {$35.00} from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX And now the most recent fee I need back for the UNAUTHORIZED PAYMENT on XXXX/XXXX/XXXX
Bank of America closed my accounts in XXXX of 2017 because of Alleged fraud in my account. They do n't give any information other that the accounts are closed. I would like to clear this negative information from my credit report
West Hill Exchange has been harassing me since XX/XX/XXXX over a debt that was paid off in XX/XX/XXXX. I have provided them with banking info proving that the debt was paid, but still continued to get occasional calls. Now an employee named XXXX XXXX ( whose direct line is XXXX ) is calling me almost daily and threatening me with destroying my credit. When we speak he is nothing but dismissive and abusive, I have offered to show him the e-mail I have already shown to multiple people at West Hill Exchange, but he refuses to provide me his e-mail address. This is at the very least harassment bordering on extortion.
I applied for a CitiGold checking account XX/XX/XXXX. There was a promotion going on at the time that expired as the year did and I wanted to take advantage of it. I applied and was approved but had to call in a couple of times to get the account funded. Each time I checked to make sure I was " on time '' and still eligible for the bonus. And each time I was assured that I was. 

After that I worked hard to meet the requirements for the bonus. The timeline was pretty aggressive, so I had to rearrange many things to make the required bill payments and spend money on the associated debit card. But I did and in plenty of time. 

There now seems to be some kind of problem getting my awards. Citi has opened a case to research the issue, but it has been a couple of weeks now with no positive conclusion. I am told I just have to wait. Wait with a monthly fee due the XXXX of every month. 

I am due XXXX of XXXX XXXX miles which is the bonus they offered for opening the account and following their own rules. I followed the rules but now Citi does not want to do the same. This is not what I expect from a bank that holds my money. This is my only possible recourse to collecting what I am due.
XXXX XXXX I received a letter from ; XXXX XXXX Employee for Bank of America for my correspondence and documents needed to process my loan modification application. The letter also stated if you do not contact us within 15 days from the date of this letter XXXX XXXX. 2015 your case will be closed and your home loan will return to normal servicing. Note : XXXX XXXX on about XXXX My husband XXXX XXXX called:XXXX Requested to speak with XXXX XXXX in reference Loan XXXX He was denied to speak with XXXX XXXX XXXX by B.O.A. Home Loan Team Texas Office Employee XXXX XXXX concerns surrounding the process of speaking with XXXX submitting documents several times with no correspondence from XXXX regarding the Loan.Employee XXXX XXXX stated she would have XXXX XXXX XXXX call at XXXX XXXX. Note XXXX XXXX never called XXXX at XXXX as stated.
I signed up for a business account with CITI bank and I was informed that monthly fee of {$19.00} would be waived if I signed up for XXXX device, XXXX XXXX. I met with XXXX XXXX representative and he signed me up for their services and never mentioned that there would be any monthly fee for their services. On XXXX/XXXX/2016 I found that my account was over drafted {$80.00}. As per CITI bank representative, I was charged {$32.00} by XXXX XXXX merchant, {$19.00} for the monthly CITI bank maintenance fee and {$35.00} overdraft fee. I should not be charged maintenance fee of {$19.00} by CITI bank, {$32.00} by XXXX was not authorized.
think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like XXXX XXXX to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage
There is an unknown Citibank account that is on my credit report that was sold to XXXX XXXX that I never opened and have no knowledge of, and I can not get deleted. I do not know the account number, the balance, who to dispute to, when it was opened, sold, transferred, charged off, payment history, dispute history, letters of collection, rights or terms and conditions, it is a complete and total mystery and I dispute in totality anything relating to this account. The account can not be validated per the FDCPA and the complete information I am looking to validate to take the proper action if I need to do that. I do not know who to contact or what to ask. Citibank directly needs to furnish all of this information to me since they are claiming the account as original creditor.
I am alerting the CFPB that Navient continues to report a student loan that was to be expunged from my credit report as part of a class action settlement. I co-signed for the loan what was taken out for XXXX XXXX for the California XXXX XXXX XXXX that XXXX attended from XX/XX/XXXX-XX/XX/XXXX. We were making payments on time during the repayment period, later we were part of a class-action lawsuit against the school for misrepresentation and eventually won a settlement for full forgiveness of the loan ( See Paragraph 4 of the enclosed settlement, that forgives all amounts due ).

We continued making prompt payment during the litigation and only stopped payment after we were advised by the lawyers representing the class-action that it was ok to do so the settlement was underway. 
However, despite this settlement and agreement from Navient that we made inXX/XX/XXXX to expunge the loan from our credit reports, the account is still showing up on my credit report as an unpaid charge-off account and with late payments for XXXX andXX/XX/XXXX Both these reportings are incorrect. I have enclosed my payment history with Navient that shows no lapses. 


Attached : Excerpt of my latest credit report ( show 's Navient reporting unpaid charge-off ) Copy of Class Action Settlement against Servicer & School Prior Payment history with Navient
I had XXXX hard inquiries on my credit report that were not authorized by me. I had similar inquiries on my XXXX report, ended up filing a police report, and those inquiries were purged. After that process, I checked my Equifax report, noted similar inquiries and filed a dispute. Equifax claims to have mailed the results on two of those disputes, but I never received any correspondence by mail. The other dispute is showing as " open '' with an expected resolution of XXXX. It 's now a month later, and all XXXX incorrect entries are still on my report.
On XX/XX/18 I received a notice from XXXX app that my XXXX score droped from XXXX to XXXX. The allege cause for this drop was due to a high balance in my Barclay credit card account. According to the contract terms I have with Barclay service ; my due date is the XXXX of every month and they report to the CRA the XXXX of every month. On the XX/XX/2018 my account balance was XXXX. Barclays representative refuse to give me a copy of the requisition allegedly sent of XX/XX/XXXX nevertheless, XXXX representatives told me it was not sent untilXX/XX/2018 ( at the time balance had changed due to my usage ). My FCRA rights were violated by Barclay causing an adverse affect on my credit score.
I applied for a car loan and received varying information from the credit bureaus and the services who monitor my scores like XXXX and XXXX XXXX. 

XXXX XXXX  which has which has a service called XXXX XXXX, shows my score of XXXX, XXXX has a service called XXXX XXXX showing XXXX. 

If I go to XXXX which I have a paid service, it shows XXXX, XXXX XXXX, Transunion XXXX. They all have the same negative items and a lot of bad information all together. 
Old and closed credit cards done in XX/XX/XXXX when I lost my job, based on a bad economy. 

First off, how can they vary so much with the same information? 

I sent a dispute letter to all three service, based on items that were 10 years or older and bad addresses and wrong past employers. 

Items 8 to 10 old should not appear according to Fair Credit Report Act. 

The 3 bureaus replied to those Disputes stating I made payments several years after they were closed, which is totally false. 

Household Income went from a XXXX to XXXX so I could not make any payments having just enough money to make mortgage, car and insurance payments, utilities essentials and food never mind payments to credit cards. 

I was out of work about 4 years and could not make payments to any of those cards at any time. 

I can't help but think they make false payment statement to keep the negative items on the reports as long as they possible can, and the varying scores and information like addresses, employers proves their inefficiency. 

If they are all monitoring the same information how can they be so different, and false. 

Please help because they are once again like our banking industry getting out of control, can't help but think its based on the present administration.
1.5 years into my home loan modification, never late on a payment, Nationstar Mortgage is threatening to reverse the modification and take me to court if I do not sign new documents. They said they had to modify the documents as they made an error and ca n't file it XXXX
My infomation was stolen and used in attempt to open fraudulent accounts. my information was also exposed in 2 recent data breaches XXXX  AND XXXX XXXX BREACH.
On my credit report a debt from Trident Asset Management regarding a check written in 2012. At the time I was separated from my husband and never wrote a check to the creditor, XXXX XXXX. His signature is on the check. They sent me a copy of it and I told them my signature is no where on there. They stated since my name was on check first I was responsible. I no nothing about the check. They refuse to delete it from my file. I spoke with them twice but to no avail.
I have never done business with Transworld Systems Inc. I do not have a signed contract with Transworld Systems Inc. I am not liable for collection from this debt of {$1400.00}. Transworld Systems Inc did not notify me in writing 30 days before submitting this debt of {$1400.00} on my credit reports. I reached out to ask Transworld Systems Inc for validation of debt which is my right. Transworld Systems Inc sent me a copy of a statement for XXXX XXXX and to the address XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, Tx XXXX. That is not my address nor my name. The statement provided by Transworld Systems Inc does not include my signature showing I, XXXX XXXX, have ever done business with them. Please remove this inaccurate information from my credit reports. Transworld Systems Inc needs to respond with me and handle all matters of this situation through the CFPB portal ONLY. Any other communication is inappropriate.
XXXX XXXX XXXX account # XXXX original creditor XXXX claims account opened XX/XX/XXXX this account was not opened by me. I have requested validation of the account & have not received any information from debit company or XXXX ans they are stating the account is is mine. This account just appeared on my credit report all of a sudden it has not been on my report recently & I have several reports to prove it was never reported. This is not my account & needs to be removed from all 3 credit bureaus. 

Portfolio Recovery Assoc paid settlement on account and company does not do day to delete. I gave information to credit bureau and only 1 removed information thus far. I need all 3 credit bureaus to delete the portfolio recovery assoc original creditor XXXX XXXX XXXX XXXX account # XXXX opened XX/XX/XXXX this account is settled. I have a letter from them to provide if needed that states account was settled.
I sent a letter Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax has not removed the accounts and have sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus. The information that has been reported has been due to identity theft and has already been investigated however, Equifax is neglecting to delete these items from my credit report.
My business partner and spouse, recently had a suffered a XXXX XXXX XXXX brought on by what her doctor believes now was XXXX. And due to her illness at the time, she had me legally removed from our business and my access cut off from our business account. Unfortunately because of her illness her XXXX XXXX was XXXX XXXX and she totally lost control of our business checking account, and we incurred over 4800 dollars in late fees since XX/XX/2018. Since I had no access to our accounts and since I was never contacted by the bank myself, I had no idea about she had been so reckless. Upon my return a few weeks back, I've tried to get our Bank of America to remove the over draft charges due to our hardship and the fact I was never contact myself and hence had no idea such had occurred. My request has basically been denied and considering the circumstances of our hardship created by my wife 's medical condition, I am asking for some assistance on this matter. Enclosure ( 1 ) is a list of the charges incurred from XX/XX/2018 till yesterday. Thank you advance for any assistance you might be able to offer.