WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX not reporting accurate information on XXXX credit agencies ... .On XXXX my account it states that the account was opened XX/XX/XXXX but on XXXX and Equifax it states the account was opened XX/XX/XXXX. Last payment on XXXX is dated XX/XX/XXXX but on Equifax report the last payment is dated XX/XX/XXXX. There is no last payment details on XXXX report. XXXX report states that the account was closed XX/XX/XXXX. However there is no information on date closed on XXXX or Equifax report. XXXX report shows " failure to pay '' starting XX/XX/XXXX. However, XXXX and Equifax is showing XXXX 30, 60 or 90 day late payments. I ask them to correct this information and their response was " we are not obligated to provide all of the documentation you requested. ''
BYL Management Services LLC submitted XXXX collection notices to my XXXX credit report regarding bills from XXXX XXXX XXXX sometime between XXXX/XXXX/2015 and XXXX/XXXX/2015. This was after a representative from the NJ XXXX XXXX had contacted XXXX and informed them that they would be paying any outstanding debt on my family 's behalf after their meeting on XXXX/XXXX/2015. I ( 1 ) had never received a bill from XXXX showing this balance, ( 2 ) show a XXXX balance when I access their website and ( 3 ) never received notice from BYL XXXX XXXX stating that I owed them any type of debt prior to them placing a collection account on my credit report.
CMRE has failed to respond to my letters. I have requested a validation of debt and requested any sign instrument of alleged collection. Till this date i have not heard from CMRE and they continue to report it on my credit report.
On XX/XX/2016 XXXX XXXX XXXX ( account # XXXX ) appeared on my credit report with a balance of {$13000.00}. ( I am disputing this item ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the equifax , XXXX XXXX XXXXXXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Was Joint Account holder on an auto loan at XXXX XXXX XXXX from XX/XX/XXXX until account paid in full XX/XX/XXXX. Although the Credit Reporting company lists the loan correctly on my report, it continues to fail to properly note it on all XXXX and other aggregate scoring ratings. The company 's failure to factor in this loan is listed as two adverse key factors with the notations " Lack of recent installment loan information '' and 'Length of time accounts have been established ''. 
The company also has an additional incorrect adverse factor of 'Too few accounts currently paid as agreed ' in that there are NO accounts with late or slow pay. All accounts have been paid as agreed for the length of the reporting period and all paid in full in XX/XX/XXXX.
I have never taken out a loan with this company an where did they get my information from an where did you send this money to
On XX/XX/2018, I received a letter from XXXX XXXX XXXX  stating I was the winner of the {>= $1,000,000} grand prize. I called the number on the letter and they asked me how I wanted to collect my winnings. If I wanted it to be kept quiet, without a lot of fanfare, I would have to give them a cashiers check to cover taxes before I could collect the money. They said they would deposit the money into my account and deduct from my winnings and I could take my cashiers check to the bank they indicated. They also told me I would have to get a debit card for the account, which I did and provided that information to them They told me I would have to keep everything very quiet and to not tell anyone that I had won. They then proceeded to collect my personal information from me, they said, to prove I was the correct person. I was a little worried, but when I went to the bank to get the cashiers check, I had them check my balance and it was up by the {$2800.00} amount they said they would deposit for me. I then believed everything was legitimate because they had put the money in as promised. So I took my check and drove to the next town where there was a XXXX XXXX XXXX bank and deposited that check as directed. I was in the process of having to pay the second larger amount for taxes, when I let some of my family know that I had won. They immediately became concerned this was a scam and had me call my bank. My bank confirmed it was a scam and that the {$2800.00} had actually been transferred out of my money market account. Luckily, they were able to stop payment on the larger check that I was getting ready to pay them for taxes. My complaint is that the bank should have verified with me before transferring money from my money market account to my checking, none of which I authorized. I never use on-line banking and have been a customer for many years. I never had a debit card prior to this situation, due to the different account activity, that was very different from my usual activity, I feel they should have contacted me to verify it was legitimate. I am asking to have the {$2800.00} reimbursed to me, as it was taken out fraudulently and without my consent. I unknowingly gave them the information they needed to access my information on-line. I did contact the bank and filed a claim, which was denied, so I am now reaching out to you to see if you can help me resolve this issue. I have also filed a complaint and provided all of the information to the local police department.
I have had my Chase card since XX/XX/1987 They raised my rate to 27.24 % prior to the advent of the Dodd Frank Act and the creation of your agency. I spoke to XXXX in customer service and she indicated there was nothing Chase could do to lower my rate. She indicated that Chase was not lowering rates right now. I spoke to her about the need review and lower rates according to Regulation Z. She answered that Chase was only required to review not lower rates. My account is in good standing and been so for many years. I would like you to investigate and see why after 5 years of required rate re-evaluation there has been no reduction in my rate.
About a year ago my Kohl 's Credit card acct was hacked, I asked for a new account # and they refused, " that 's now we do it, '' they said they 'd lock my account with a pin. I had not made a purchase again until last week, in the store and no one knew anything about a pin after 45 min in the store with the store on the phone they removed the pin so I could make a purchase. A week and a half later my account was hacked again, and they still refuse to change my account number, even the police said they never heard of such a thing, how many times do I have to get hacked and inconvenienced? The only way they will give me a new acct is if I close it and reapply for another card, which will then go against my credit, this does not seem fair, that I should suffer because their fraud dept ca n't handle the fraud?
I have a positive account and the credit card company is not reporting it to the other XXXX credit bureaus
Hi, I opened an account with XXXX and tried to link my account as payment method the reply was Capital One bank is blocking me from linking my Capital One account to my XXXX account. 
I called custumer service to fix this, but the representative they cant help me with that. 
so i am filing this complaint because it is my right to have access to my account to external applications. 
XXXX XXXX disgruntled XXXX bank client
On XX/XX/2017 I visited XXXX and saw an advertisement for the Wells Fargo Cash Wise Visa Card. There was an online only promotion for new applicants to earn {$150.00} cash rewards bonus if you spend {$1000.00} ( net purchases ) in first 3 months. With this offer in mind, I applied for the card online. My application was approved and I immediately received an e-mail confirming my application from the online customer service team. My card was set to arrive within 5-7 business days. On XX/XX/2017 I received the Wells Fargo Cash Wise Visa Card with no information about the {$150.00} cash rewards bonus. I contacted customer service who directed my call to the rewards department. Upon checking the system, the representative was unable to determine why the cash back bonus was not applied to my new account opened online. I was informed that an internal investigation would take place. This is completely false advertisement on Wells Fargo 's behalf. I visited the website today on XX/XX/2017 and again am able to view the advertisement for {$150.00} online only promotion. I have applied for the card to be able to take advantage of this offer ; however I was not able to take advantage of this offer because it was never applied to my account as promised.
The company ( who has already secured a legal judgement & garnishment order against me ) has attached this debt to my driver 's license. They say that if I do not make payments of at least $ 100/mo, my driver 's license will be ( and has, twice ) suspended. They no longer are allowing missed payments or paused payments due to financial hardship. This is causing a major stress in my life.
Also ... my veteran status is due to service in USPS, which was n't listed in the dropdown menu ( not the XXXX ).
In late spring XX/XX/XXXX I got behind on my car payments with my PNC acct # XXXX because I had taken FMLA to take care of my terminally ill mother. PNC bank put my car up for repossession. I contacted PNC and spoke with someone named " XXXX '' ( phone number XXXX ) around theXX/XX/XXXX and came to an agreement to catch up on my payments and continue my regular $ XXXX   monthly payment on the XX/XX/XXXX of each month which would be deducted from my checking account automatically. Below is a list of the transactions with amounts/dates of these automatic payments which were made directly from my checking account to PNC bank. 

Details Posting Date Description Amount Type CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID In the past couple of months I began monitoring my credit reports trying to rebuild my credit and noticed that PNC bank was reporting this auto loan as charged off to bad debt, even though I've technically made every payment, but not always on time. I contacted PNC to try to discuss this and they told me they can't speak to credit reports. On XX/XX/XXXX, I traded this vehicle in on a new vehicle and the finance manager told me PNC is falsely reporting my auto loan with them as late payments every month and has my debt written off as bad debt and if I hadn't been able to prove this was not the case, I would not have qualified for a new auto loan. I tried to call PNC again to discuss this while at the dealership and again they told me they don't discuss credit if I had an issue to go directly to the www.ftc.gov website. This car has now been traded in and the account paid in full.
The original creditor was XXXX from about 10 years ago. The account was closed and charged off to a collection agency. The collection agency was not Portfolio Recovery who I am filing the complaint against for submitting false inaccurate information on my credit report. I been disputing this w/all XXXX agencies for sometime now. The Debt Buyer has purchased an old debt that was included in my Chapter XXXX Bankruptcy. I have legal documents that was included in my discharged. I have never had any business with XXXX since 10 years ago and never will. My Bankruptcy representative made that clear.
while doing a debt settlement with XXXX, we settled several Chase cards, there were XXXX left and XXXX tried to contact and settle, with no notice to myself or XXXX XXXX, Chase did a charge off. Same with XXXX, XXXX tried to settle with them as well. Chase and XXXX did not give notice of charge off. If they sent notice, I did not get it but I sure got from chase and XXXX the XXXX showing a charge off and I had to add the balance as income, had to add to my taxes. I feel because we tried to settle, they should not show on my credit score as owing monies because I had to claim as income and pay taxes. I even tried to call them and stayed on the phone for XXXX hr, never got a call back. When checking my credit, you can see where chase settled several accounts. I feel that since they settled other accounts they should not have charged anything off. I feel like I am now a victim because they did not want to work with us, not even a call back to XXXX. XXXX has been great and they too were not happy with their professionalism. I can only wonder who else has gone thru this with Chase and XXXX!
they are trying to collect a bill from XXXX that Idont owe contacted XXXX XXXX they say I don't owe anything XXXX XXXX XXXX are trying to collect for XXXX XXXX dollars call XXXX today and they say I owe them nothing, these people are reporting me to credit bureaus
my homeowner 's insurance has been lowered to {$1100.00} for the next 12 months and nationstar needs to reflect these New changes in my escrow and monthly mortgage payments ...
ERC ( www.ercbpo.com ) is trying to collect a debt that was paid a year and a half ago. When closing a XXXX account, I paid the final due of {$110.00} directly to XXXX, but then I started receiving letters from ERC trying to collect the debt. ERC has an account number for me : XXXX. 

Nothing I could do worked at all : writing to them, calling them, disputing through credit agencies, so now I'm writing you. 

This is seriously affecting my credit score, and I'm tempted to pay the fraudulent {$110.00}, but I want to check with you first. Is there anything that you can do to help, or notify them of your awareness and that they should remove the fraudulent debt? What should I do? 

Thank you, -XXXX XXXX XXXX
In XX/XX/XXXX Ocwen told me they would work with me on a loan modification I had to make an initial payment of XXXX then make three consecutive payments on the first of the month I had automatic withdrawal so my payments were automatically deducted in XXXX I received a packet that said congratulations you qualify for a modification from XXXX to XXXX all I had to do was read it over and sign I did that and sent it back in XXXX they said the last packet contained incorrect information, mistake on their part and the sent me a new packet that I signed and sent back another mistake was made on their part and another packet was sent in XXXX and I signed that one and sent it back On XX/XX/XXXX I received a letter stating my modification was being denied because the paperwork was not filed on time I called them and was told not to worry because it was their fault and someone would get back to me Mid XXXX I got a email saying I needed to money gram XXXX XXXX or wire transfer XXXX to them by the end of XXXX and they would send the modification back through. I wired transferred the money Then I receive a call on XX/XX/XXXX that I owe them an additional XXXX for a miscalculation on their part which I have asked 3 different agents what was the miscalculation but no one could answer that question I also asked for something in writing which I still have not received On XX/XX/XXXX my XXXX was wired transferred back into my bank account and I was charged the XXXX for the transfer No letter, no call informing me that this was going to take place Called them and they said I had to do a transfer for the XXXX and the XXXX together I have asked to talk to supervisors or a number for someone in the states but they said they have no number Today I received a foreclosure letter stating they might be able to stop it if I do a loan modification I have read the many complaints about this company and I am scared I am going to lose my home because of their mistakes None of the payments I have made in the last 8 months have been applied to my mortgage and I recently got a bill saying I owed XXXX
I am unable to reach anyone by telephone for XXXX of my private educational loans for law school. Specifically, the loan disbursed in 1998, with the account # XXXX, by The Access Group ( XXXX ) had me on hold for over 20 minutes before I had to hang up to work. 

I have had trouble with many aspects of the servicing of this loan, including not being able to reach the servicer to learn the balance or what is going on with this loan. I believe that excessive interest has been and is being charged on this loan for a variety of ongoing accounting errors. 

Please have someone from The Access Group contact me and require that it provide telephone numbers where people actually answer the call who can answer questions about my loan in a reasonable amount of time. Please also procure a significant discount off the loan for their failure to provide access to personnel who will answer questions about it and increase the amount of the discount with each recurrence.
I purchased a auto loan with CPS Consumer Portfolio Services Inc. on XXXX/XXXX/14, I informed them that the vehicle odometer was tampered with, and the dealership refused to pay my old auto loan off which damaged my credit. After reviewing my complaint. CPS informed me that this loan was null and vold because the Auto dealership violated their agreement with CPS, regarding opeing up a new loan with me because I had XXXX auto loans currently open. I ask CPS to provide me with a letter explaining this information before I return the car, because I was n't confident my credit would be safe without any documentation of our conversation. I never received a letter. The phone payment system stop processing any payments, and two weeks they repo the vehicle and they are not responding to my inquiries. I 'm afraid they are going to ruing my credit score and not going to remove this from my credit
Wellsfargo refuses to discharge it 's debt to the legal owner of that debt. Because they refuse to recognize the legal holder of that debt as the legal holder of that debt. 

I have a check given to me by my employer cut on wellsfargo paper properly filled out, even tho I have multiple forms of state ID even an armed guards license even tho my employer even called ahead and told em I was coming. I have no reason or want to own a credit card or debit card I refuse to have any direct business with any bank, I have no reason or want to travel outside of this country I do not need a passport. 

And even tho I have enough ID on me to prove OUT OF HAND to a judge in court or a COP ON THE STREET. 

I ACCORDING TO WELLSFARGO DO NOT HAVE ENOUGH ID TO GET MONEY THEY OWE ME. 

They told me to go to a check cashing service. 

XXXX WELLSFARGO THIS IS YOUR XXXX CHECK WHERE THE XXXX ELSE AM I SUPPOSED TO GO WITH YOUR CHECK? 

And WHEN THE XXXX DID CORPORATE PLASTIC BECOME ID? 

I can not open a XXXX bank account with a credit or debit card can I? Who the XXXX is wellsfargo to step in to the XXXX territory of local state and federal government by trying to pass thier XXXX corporate plastic like it is as good as a federal passport. XXXX.
TSI handles my account under XXXX. Accounts XXXX. XXXX and XXXX. I started up a payment scheme with them XXXX 2015. A {$50.00} payment is being debited to my XXXX Account every payday or every other week. When I remarried last XXXX 2015, my wife started to handle my finances and tried to consolidate all my debt. She had been calling TSI starting XXXX this year to check for the total balance of the said account. She asked for receipts or any form of confirmation as to what accounts had been paid off and how much remaining balance. In the course of these phone follow-ups and exchange of letters, she found out that there was around {$500.00} that was not accounted. She was exasperated that the Customer Service people she spoke with like XXXX XXXX, XXXX, XXXX XXXX, can not give her what she was asking. Until we paid off the remaining balance last XXXX and we asked for payment history. TSI sent a payment history and there were payments that was not accounted for. We are thinking that we overpaid them since we are not certain as to how much is the total balance. We wrote another letter to TSI addressed to XXXX XXXX and sent them copies of the XXXX check that was debited but was not accounted. Total amount was {$500.00}. However, TSI did not address the over payment issue but replied that the account was already settled and closed. We believe that we need a proper payment accounting of all the checks that we paid. Previous letters did not reflect the payment at all that is why we believe we over paid. Is it still possible to claim back the over paid amount? Please help shed light on this matter. Thank you.
XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX These are all inquires that I did not give any consent to. 
Called XXXX and Equifax and they both told me I would have to call each creditor individually. When calling the creditors, they tell me to call the credit bureau. It is an never ending cycle.
We claimed bankruptcy last year in around XX/XX/2016. Our accounts got frozen by my bank because i had a car loan with them but they choose to freeze them completely until they got a notice from the courts that everything was discharged. 

Once that was done I made catche up payments and did. however over a year later they are saying that i missed several payments and owe $ XXXX. I have sent them proof 3x that everything has been paid. 

They never send me a monthly statement on what i owe or of any late charges. Instead they sent me a notice that I owe $ XXXX in back payments. 

When we ask for this information they refuse. At one point they state I have a $ XXXX credit at the same time I owe $ XXXX and was stated that they maybe mixing up payments. 

this is for XXXX XXXX