WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted Experian several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following account that are reporting is : XXXX/XXXX account XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect
I called Experian on XXXX/XXXX/16 to get inaccurate addresses and phone numbers removed from my report. I told them the only accurate address was XXXX XXXX XXXX XXXX XXXX Ct XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX. I did n't even get to address all the inaccurate phone numbers on my report. The only number that should be reporting is XXXX. I did not have an issue with XXXX and XXXX removing these inaccuracies from my report. Experian is violation the Fair Credit Act and my rights by not removing these inaccurate items.
I had a XXXX XXXX XXXX XXXX Account opened in XXXX and the last time used my account before I closed them was XXXX XXXX. My account was paid in full at the Branch in Maryland in full. XXXX XXXX reported my account to the credit reporting agency as paid in full. I check out my credit reports in XXXX of this year and XXXX XXXX XXXX XXXX have my report showing negative information. I called XXXX XXXX and they stated what they report is correct and that 's a false statement. Someone please help me with this case. I will take a lie detector test to show you all that my statement is true.
I was scammed. I took a {$2500.00} cash advance on my Discover card. I was skeptical but I sent the money to the scammers. They then payed off the {$2500.00} on my Discover card & told me to get another {$2500.00} cash advance. I called Discover to see if they could put a hold on any cash advance untill the scammers payment cleared the bank. They said there was no way to do that, I would just have to check back to see if it cleared yet. The next day, the scammers said they talked to Discover & got it cleared. I called Discover and they said yes, the payment had cleared. Discover had lied, the payment had not yet cleared. The scammers put a stop payment on it later. Because Discover lied about the payment being free & clear I believed the scammers were telling the truth. I took out another {$2500.00} cash advance because the first advance was payed off free and clear and could not possibly come back to me. I sent the scammers the {$2500.00}. They paid it off once more and my balance dropped to {$0.00} again. The first {$2500.00} had been paid and Discover said it was free & clear ( this was a lie ) so I believed these people and got another {$2500.00} cash advance. So I should have ended up with a {$2500.00} balance plus {$120.00} cash advance fee for a total of {$2600.00}, which I had the next day. One day later my balance was {$5200.00}. the next day my balance was {$7800.00}. I called Discover and said because they lied to me about the payment being cleared when it had not yet cleared that I was only liable for {$2600.00}. They insisted I owe them {$7800.00} because there was stop payments made on the payments. I said if stop payments were made then you lied to me about the payment being free and clear and that makes Discover card responsible for the {$5200.00} not me. They disagree.
Transunion placed a judgement on my credit report unlawfully, they removed it from collections and then placed it as a public record when I have never been notfied of a court hearing or date. The state they say I owe do n't even have it listed that I owe them on their very own website ( XXXX ), I have asked them numerous times to remove this inaccurate information.
while looking at my credit report today XXXX XXXX, 2015 via experience I noticed a credit card opened on XXXX 2015 for chase Bank, with a total amount used of {$450.00}. I did not apply for a chase credit. 

Please let me know the next step via email : XXXXXXXXXXXX or cell XXXX
Home mortgage discharged in bankruptcy. Debt collection company sends collection letter. I call and notify them debt is discharged in bankruptcy. Debt collection company tells me I am still responsible for penalties and fees. They refuse to accept validity of bankruptcy discharge. Internet research reveals this company is running a well known scam to illegally collect money that is not owed to them. They are running a con that relies on uniformed consumers fearing them.
I received a call from the police notifying me that I am a victim of identity theft, so I requested a credit report. Upon viewing my report, I saw addresses listed there that I never used or lived at. One of which is XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. Address ID XXXX.
On XXXX XXXX, 2016, I purchased a XXXX Ford Edge from XXXX in XXXX, XXXX for XXXX. They insisted the car the car was accident free. One month after purchase it was determined the car was in fact involved in a serious accident which they failed disclose. The loan was financed by Capital One Capital One Bank, XXXX. XXXX XXXX, XXXX, XXXX XXXX. They and XXXX refuse to refund my money or take any corrective action.
On XX/XX/2018 I requested validation from XXXX of an item being reported on my credit report in violation of my consumer rights. XXXX has reported that I owe a debt to World Finance. XXXX has not provided proof of any original signed documents with my signature on it. XXXX is required by the FCRA to have a copy of the original creditors documentation on file to verify that this information being reported in mine and correct. It is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA XXXX is required to promptly DELETE all information which can not be verified. Information on who verified the accounts is out of compliance with the Federal Law. This is negligent noncompliance Section ( 617 ) failure to comply! XXXX has embarrassed me with the reporting of incorrect information on my credit report. This violation has hindered me from successfully purchasing my first home. I will take all legal remedies available to me to resolve this violation.
Complaint about Chase/XXXX Credit Card Offer I was prompted on XX/XX/XXXX to pay for XXXX XXXX flights costing {$2100.00} with a new Chase/XXXX Signature credit card by a promotion on XXXX 's website. The advertising asked that I apply for the credit card and immediately pay for the flight I was currently booking ( see attached document and link ) to obtain XXXX bonus XXXX after you spend {$2000.00} on purchases within the first 3 months of account opening '. I assumed payment of the flights would allow me to access the XXXX bonus XXXX. After going through the lengthy process of applying for the card, instead of being taken straight to the payment section to pay via my new card I received this email message ( on XX/XX/XXXX ) : 'We have received your request for a Chase credit card. We'll let you know our decision by U.S. mail. This could take up to 30 days. ' ( see attached email ). 

This of course made it impossible for me to take advantage of the stated offer to : 'Yes, I'd like to apply for the Card and use it to pay for this flight ' and obtain the XXXX bonus XXXX. ( See PDF of Offer ) On complaining to Chase that the 30-day approval procedure rendered the offer to apply and pay for flights with the card ( and obtain the promised Bonus XXXX ) an impossibility, I received the vague statement below. This whole offer seems like bait and switch to me. 

Date : XX/XX/XXXX XXXX From : Chase Card Services Subject : Re : Rewards Inquiry Message : Hello XXXX, Thank you for contacting Chase regarding your XXXX XXXX account. My name is XXXX and I am an Account Manager within our Secure Message Center. Our Email Specialists have taken the time to escalate your message for review of the account. I understand and respect your position regarding this issue. 

I'm sorry our efforts to assist you did not result in the outcome you had expected. We ask that you trust that this decision is the same for all customers. We feel adhering to the policy for all customers is the best way to remain fair and consistent. 

The offer terms are provided when applying for the card. 
There may be different offers available based on the link using to apply for the card. I apologize that the terms are unable to be changed. I appreciate your feedback and thank you again for your time. 

We appreciate your business and thank you for being a Chase customer. 

Sincerely, XXXX Senior Service Specialist XXXX ext XXXX Tuesday through Friday, XXXX XXXX. to XXXX XXXX. Central Standard Time
On XX/XX/2018 I mistakenly processed a payment to PayPal Credit for the amount of {$1900.00} through my banks bill payer system. This payment was actually my mortgage payment on XX/XX/18 I was advised by my mortgage company that they did not receive monthly payment, XXXX XXXX XXXX advised me that PayPal cashed the check and I need them to refund the amount back to me. On XX/XX/18 I spoke with PayPal who informed me that a check would be sent out in 7-10 days.  On XX/XX/18 PayPal emailed me in reference to refund check that was never received per our phone conversation that day. On XX/XX/18 I spoke to PayPal again  about not receiving my refund check, they stated again that a check was sent out. On XX/XX/18 received another email in reference to refund check not received. Email states 24 to 48 hours for resolution, still have not received refund check on XX/XX/18. I feel I am being taken advantaged of by this company and have been more than patient but if this complaint does not resolve the problem litigation in small claims court will be my only other option.
I was directed by the TRANSUNION web site to get a free online credit report from a separate free website, but when I tried to access the credit report for TansUnion I was given an error that said they were not providing online credit reports at this time. So I tried to access the Transunion site to get an report and they said I would have to pay for a report since I already accessed my free one. Looks to me like a scam to get me to pay for a credit report that I should be able to get for free. Not sure why this is so hard for credit bureaus to be cooperative with consumers regarding getting easy access to privately owned data that's collected without our approval or consent to begin with.
On XXXX XXXX, 2015 Citicards announced it was providing FICO scores to its cardholders. I have attempted to access my FICO score via the home page of my citicards.com website but have consistently received timeout error messages each time I attempted to access this " benefit ''. Approximately 3 weeks ( XXXX 2015 ) ago I was contacted by a citicard representative after I responded I was dissatisfied with citicard services on an online customer service survey citicard sent me. The representative attempted to resolve my login problem but was unable to access my FICO score. The representative noted that citicards had an " open ticket '' on cardmember inability to access their FICO scores and promised to send me an update within " about two weeks ''. I never received an update. 

I contacted citicards again today ( XXXX XXXX, 2015 ) after continued inability to access my promised FICO score. After 30-40 minutes online with a representative who attempted to access my FICO score many times via many methods ( and with one or more managers ), the citicards representative ( s ) could not access my FICO score. The representative said she would submit another " ticket '' and that I would be notified if the problem would be resolved. She was unable to tell me how much time might elapse before I was updated on the status of this issue. 

Citicards has made a big deal about providing FICO scores to its cardholders. In my case it has continued not to be able to fulfill that benefit offer. I have expended several hours of time, and quite a bit of frustration, attempting to access this " benefit '' and am aghast that Citicards has been unable to resolve this issue. I have been a Citicards card holder for at least 15 years but I do not intend to do business with companies that offer benefits they do not provide.
This complaint is towards Coinbase.com My account email is : XXXX Issue : On XXXX XXXX XXXX 2018, I sent aaproximately XXXX BTC to my USD Wallet address. It then showed that it was received but pending. I read online that it requires 6 confirmations. It has now been 14 days and the transaction has aproximately XXXX confirmations now. 

XXXX XXXX   XXXX I am requesting my transaction to be fixed. This is such a inconviencence to the standard consumer. Thank you.
I have a child support claim dating back from XX/XX/XXXX.I am only XXXX, I was born in XX/XX/XXXX.
I have disputed this through the credit bureaus but it still remains. I question if this is an accurate and verifiable debt and if it indeed belongs to me. I have never heard of Portfolio or XXXX. I believe this is an error
Hard inquiries on my credit report with both Transunion and XXXX  were not authorized dated XX/XX/18. I have NO accounts with these financial companies. I did recently take out a loan with XXXX XXXX, XXXX, CA and did approve of that inquiry. I'm asking that these inquiries be removed from my reports. These have had a major negative impact on my credit report.
At the beginning of XXXX, 2017, I emailed fedloan requesting a payoff for a direct parent plus loan as I needed to pay off the loan in order to close on a mortgage. I did not receive a response. I called to request the amount one week later. No response. I called the third week in XXXX and finally received the payoff amount of {$3000.00}. I brought this amount to the closing table with the loan payoff details. I verified with closing agent the check was sent overnight. Fedloan did not put the money toward the payoff. I called in XXXX and was told a request would be sent reapply the amount to payoff the direct parent plus loan. In XXXX I called again to request the amount be applied to pay off the parent plus loan. I was first told it should have already been done and would now only take @ 24-48 hours. I then asked who regulated fedloan and was sent to a supervisor. The supervisor stated it would take 7-15 days. All communication for requests could only be sent via email. No one could talk to those that process the requests. During this whole time I monitored my fedloan page for any upcoming payments. Balance was always XXXX. XXXX 2017 would have been my first month coming out of grace period. It has been my experience in the past if I made a large payment over what was due the balance was always XXXX. Now that the payment has finally been processed to pay off the parent plus loan my fedloan page is stating I am past due on payments. States I have not made a payment since XXXX 2017. I made a payment of {$420.00} XX/XX/XXXX. Now it states I am late and have a past due amount of {$930.00} yet still have a XXXX balance due for XXXX. It seems to me this fedloan unethically tries to take advantage of me by putting my payments where ever is the best interest for it 's bottom line. I feel as if I am at a disadvantage and am vulnerable to a loan shark. It took months to resolve this issue and now they are hitting me with past due interest for retaliation for me paying off the parent plus loan. I have always paid off education loans quicker than the designated time frame. My payoff history shows the proof. Now, looking back in my fedloan inbox I see a response stating the payoff was insufficient and my repayment terms have changed. It seems my statement that I would file a formal complaint to who ever regulates them changed their mind and they applied the pay off to the parent plus loan. Now, they have added unrealistic additional interest charges. American students of higher education beware of fedlaon!
I contacted credit acceptance in XX/XX/XXXX about my payments. They informed me they would not repo my car. I. XX/XX/XXXX i requested for the car to be picked up due to me not being able to make the payments and i was told that i was stuck with the car because if they picked it up they wouldnt get alot if they auctioned it so it wasnt worth them getting it but they refuse to send me a title so i can do soemthing with the vehicle.
My vehicle was repossessed on XXXX. I have contacted the loan company 4 or more times via phone and email. I have attached a letter that I emailed the company because I was unable to resolve my issue via telephone. XXXX in the branch, the call center reps, XXXX in Executive Complaints and XXXX never acknowledged the validity of my hardship and were unable to resolve my issue. 


One Main Financial XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Dear Customer Service Manager, I am reaching out to you because I have a vehicle secured loan with One Main. My vehicle was repossessed XXXX. I am viewed as being in default on my loan because I am 30 days past due. I made 2 payments in XXXX in a good faith effort to maintain my account with your company. Unfortunately, I was hit with over XXXX of bills that needed immediate payment outside of my normal monthly obligations. 
1. XXXX Squirrels had to be expelled from my roof. 
2. XXXX new gutter system. XXXX paid to date. 
3. XXXX repayment for college class to employer. XXXX paid to date. 
4. XXXX property tax bill. XXXX paid to date. 
5. XXXX property tax bill. XXXX payment must be paid this month. 
6. XXXX property tax bill. XXXX needs to be paid this month. 
I advised a member of the XXXX branch of this and he was no help. I advised the repossession dept. representative on XXXX. She was no help as she only demanded XXXX. She explained the ; repossession fees and cost, auction, and short fall obligations that I am now facing. 
I received a demand letter for XXXX due by XXXX to regain ownership of my vehicle. As you can see from the list above I have XXXX of property tax bills which must be paid this month. So, I am unable to pay the XXXX this month. I have attached receipts to this letter to substantiate the legitimacy of my financial hardship. 
I am requesting that a forbearance be granted on my loan and that a payment arrangement can be made. I have made every attempt to maintain my account, but I am being faced with other obligations that demand immediate financial resolution. 
I do not have access to a printer. Please provide me with a fax # that I can fax proof of my hardship. 
I am hoping that we will be able to come to a win win agreement where I can maintain my vehicle and continue to make monthly payments. I am quite sure you are familiar with the auction or private sale process where a vehicle is sold for less than the fair market value. By selling the car you will be agreeing to a payment which is less than the amount owed. After the proceeds of the sale are applied to my loan I will be contacted regarding a short fall balance which I do not have. If I were able to maintain my vehicle that would insure that the One Main loan is satisfied over the course of 5 years. I do not desire to be sued and am hoping that we can work something out. 

Thank you, They declined a forbearance and a deferral on my payments and are requesting 2x the account due on my loan. I have attached a payment history. I was unable to attach bills to validate my hardship because they reflect my name and address. However, the bills were sent to One Main
I have a loan with PennyMac Loan Services LLC. I have received a {$1000.00} tax reduction from XXXX County Tax Office. Twice I reached out to PennyMac about my tax deduction and provided them with a copy of my tax paper showing my deduction from the year of XXXX and it clearly stated my total estimated tax of the year is {$85.00}, that is what my taxes are at this moment and will further be due to my XXXX tax credit. The county and the city gave me my credit deduction, but PennyMac only gave me {$71.00}, when my total tax reduction should be {$1000.00} so they owe me {$1000.00} towards my tax reduction. PennyMac Escrow account department told me that my FHA Loan which they call Hazard Insurance and my personal insurance and property taxes on the home is all calculated in one bill, that's how they break it down and that's is the reason why they say they can't give me a large deductible back from my taxes. I called more than twice and I continue to receive the same answer from PennyMac.  In XXXX of XXXX, I received a check from PennyMac {$1100.00}, the check was to reimburse me from overpaying PennyMac Escrow department for my taxes and the years of XXXX and XXXX, which I had to notify them about my overly high tax amount. I sent in a copy of proof of overcharge taxes. My Escrow bill was higher then what my payment and insurance came out to be, due to the overcharging of my taxes in their records. Pennymac sent me 2 statements explaining my escrow, miscellaneous assessment, my hazard insurance payments , county taxes, and city taxes. All that information does not have anything to do with my {$1000.00} tax reduction and it doesn't explain or show why I only received a {$71.00} tax credit from them. My total monthly payments were {$720.00} they only reduce my payment to {$640.00}. When my payments should be a lot lower than {$640.00} due to my {$1000.00} tax reduction. SN : I paid all my property taxes out of my own money to the Tax Commissioner of XXXX County, Ga.
I was referred to your office by XXXX at Office of Controller of Currency. I have a Certificate of Deposit, issued by XXXX Bank ( now Bank of America ) of XXXX XXXX FL on XX/XX/XXXX. This was sent to me by FL Dept. Financial Svs, Bureau of Unclaimed Property, a content of my deceased father 's safe deposit box. The CD number is XXXX customer name XXXX XXXX XXXX or XXXX XXXX XXXX, both deceased. Bank of America said they would have sent the funds to the State. The State of Florida denies this. I have much correspondence if you want copies since I have been requesting this information from the State of Florida, Office of XXXX XXXX, XXXX, since XX/XX/XXXX. I want to know where the money paid for this CD is as it now belongs to me. I will appreciate your help. Thank you.
I had an auto loan with the last payment date being, XXXX/XXXX/XXXX. The debt was removed from my credit report in XXXX XXXX. Bull City Financial Solutions bought the debt in XXXX and it continues to be reported on my credit report. I contacted them at the beginning of XXXX XXXX and they stated that I would need to submit information stating when the last payment was made on my account from the original creditor. I contacted Bull City Financial Solutions on XXXX/XXXX/XXXX with the information I received from the original creditor, to obtain information about where to send the verification of the dates they had requested. I was told by XXXX ( would not provide last name ), XXXX different dates that they had on file as to when my last payment was made to the original creditor. I was also told that they do not buy debts and when I requested them to send me information regarding the account they have, he refused to send me anything.