WillisBack/dataset-financial-user-claim huggingface dataset:
Still not fixed. I have full authority to act for my husband. It was brought to their attention over a month ago that they made a huge mistake. Their error in reporting is still affecting us greatly. Once it came to their attention they still have not fixed teh problem with that they falsely reported innacurate information to. I want an updated reported stating that judgment was vacated against both parties listed on complaint along with a letter that it was their error and a cc sent to me and my husband today. This is willful neglect and intentional what they are doing now  XXXX  CLOSED Submitted STATUS Submitted to the CFPB on  X/XX/2017    PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.   YOUR COMPLAINT Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XX/XX/2017    Date sent to company :  XX/XX/2017    Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a company 's investigation into an existing issue They have not fixed or rectified this and it has been over  3 we ks since they said tehy have ATTACHMENTS  XXXX   XXXX  Hide full complaint What product or ser
This credit bureau continues to report an unverified Public Record ( Bankruptcy ) that I have disputed. The credit bureau is violating my rights, under FCRA, due to failure to provide accurate reporting. The credit bureau has refused to provide me with the 3rd party furnisher of this information. I spoke to my local court and they reported they did not provide any of the credit bureaus with info. They have not verified anything, but keep sending out generic letters saying there was an investigation.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2013, XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
negative information on my credit report does not belong to me and has negatively affected my credit score. Also, XXXX XXXX XXXX, account # XXXX, has falsely named me as owning a debt. I have contacted both Equifax and XXXX XXXX XXXX multiple times and neither can confirm the false information.
I log into my credit reports to dispute incorrect information and site told me to call company. 
when I call in to company to correct with live agent I was transferred numerous times or told me to call another number different from the one on their web site. 
go on till lose connection playing a stupid game on consumer
SOMEONE OPEN UP FRAUD ACCOUNT IN MY NAME XXXX XXXX  DID NOT PROPERLY REVIEW DOCUMENTS PROVIDED. ONXX/XX/XXXX I FILED A POLICE REPORT WITH THE XXXX POLICE DEPARTMENT DUE TO STOLEN IDENTITY. SOMEONE OPEN UP A PAYDAY LOAN USING MY SS #. THE POLICE REPORT SHOWS AT THE TIME THIS HAPPEN I RESIDED AT XXXX XXXX XXXX XXXX XXXX AL XXXX. AND ALSO THE OWNER OF THE PROPERTY XXXX XXXX XXXX XXXX AL PROVIDEED A MOVE IN DATE TO XXXX THAT CLEARLY SHOWS I COULDNT HAVE POSSIBLY LIVED AT 2 PLACES AT 1 TIME. I SUBMITTED PROPER VERIFICATION AND XXXX DID NOT LOOK INTO ANY OF IT .ALSO MY FIANCEE WAS LIVING AT THE SAID PROPERTY IN XXXX XXXX AT THE SAME TIME SOMEONE OPEN UP A ACCOUNT USING MY INFORMATION HOW CAN 2 PPL BE BILLED AT THE SAME TIME SAME ADDRESS SEE ATTACHED BILLS
I do n't want it it keeps taking " test " an taking it out of my  XXXX  bank I wan na close all of it I do n't need it and it 's  XXXX  stupid
sent a letter to 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 did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX, XXXX, 2016 and again on XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and XXXX request to be investigated have been ignored.
On XX/XX/17 I was flagged on XXXX XXXX that I tried opening an Amazon card through Chase. I had not done this. So I immediately called Chase and explained the situation. They said it was denied and they would send it to their fraud department. My next error was thinking that maybe someone transposed a couple numbers and I shrugged it off. After all they said they would send it to their fraud Dept. On XX/XX/17 the same thing happened. So I again immediately called Chase. They told me the same things as the first time. I said why is the first hard inquiry still on my credit. I was told it could take 90 days for it to be removed and they had sent the first request to the credit bureaus. So my next step was contacting XXXX. They told me that it does not take 90 days, that it would only take 5 or 6 days once the request was received, however they had never gotten a request. Now at this point I was steaming. The gentleman at XXXX told me to call back Chase and ask them to send me a letter requesting it be removed. He gave me a fax where I could send it to have the hard inquiries removed. I called Chase and demanded they send the letter to me. After some hemming and hawing the woman agreed. Said I would get it within 7 days. What I got was " NOT '' the request to remove it. So I again called Chase and told them I wanted the letter that they said they would normally send to the credit bureaus sent to me. She did n't want to do this, so I got very abrupt and told her I demanded they do this because it was bringing my credit scores down. She finally agreed and said I would get it within 7 days. It 's now been two and a half weeks and no letter has come. I am so angry because my XXXX  score just went down again because now the second hard inquiry is there. Please someone help me with this. I have put a freeze on all three credit bureaus but I should not have to deal with this nonsense. Chase is in no way concerned about this and it 's fraud.
Signed a Lease for XXXX XXXX printers for our little home business. ( details can be provided ) At the same time we signed a legal binding Contract for and investor in to our business that ended up being a scam but we were still under contract. Having been scammed we had to default on the lease which had been sold to CIT XXXX. We returned the machine within 18 months as that is when we found out we were scammed. Machines returned in 100 % perfect working order. Today they want {$120000.00}. They have had the machines for over a year we offered to pay the delinquency of {$14000.00} plus attorneys fees. We need to close this matter.
I wasn't sure what to check in the begining of the forms but here 's what happened. i answered the phone and he said this is XXXX XXXX i'm like ok who are you with i had to ask 5 times before he identified his company name. which was portfolio recovery. This was obviosly an attempt to collect a debt and very illegal debt pratices. He kept asking numous times if i was still at a certain address before he ever identified his company and he only identified after i asked 5 times. this company needs to the hammer drooped on them.
I received a letter in the mail from Polaris Home Funding Corp. This I learned after I called the number which made the letter seem as if it was sent from my mortgage holder. I called only because the letter indicated I had a mortgage balance significantly higher than I have. The letter includes the name of my mortgage company in large bold faced font, an account number under my mortgage company 's name, and the notation URGENT NOTICE! PLEASE ACT IMMEDIATELY! Again, in HUGE FONT. 
I called the number ( XXXX ) and left a message. The voice mail greeting on the number gave a name only and did not indicate the name of the lender. I received a call back from a man who informed me he was with Polaris. He informed me that if I looked at the very bottom of the very official looking letter I received, I could see in the XXXX point font that the letter was from Polaris ( vs the XXXX point HUGE font used at the top of the letter with my lender 's name ). He told me the info in the letter including my mortgage balance comes from the marketing firm they use and can be wrong but assured me that Polaris is legit. He told me Polaris is acting within its legal rights to solicit, and the letter I received complies with legal requirements. 
Really? You send an official looking letter with a loan number on it and direct the recipient to call in immediately. The phone number in the letter does not indicate it is from Polaris. The voicemail greeting on the number provides a name only does not indicate the lender. If this is legal, it should not be. I feel for older borrowers or those who may not realize they are being scammed into contacting someone under false pretenses aka a solicitation letter that looks on its surface to be from the borrower 's lender but is not. 
These letters should require the solicitor to identify itself on the outside of the envelope, under the phone number presented in the letter and when answering the phone/ voice mail greeting. 
To send out this letter and have borrowers call in and divulge personal information should surely be against the law/ truth in lending requirements.
The fiance company honor fiance company took the car to fix it cause it shut off on me on the freeway In front of a 18 wheeler. Return the car two months later still not fixed. We i had them come get the car one year ago i only olded them 3500 or less now they double the price of the car and the have the car back since XX/XX/2017. The dealership who sold me the car told me there was a recall on the air bag which was a lie the air bag was deployed when they sold me the car tried to not keep the car the same day of purchase but he at XXXX XXXX XXXX said he could have aold the car and didnt want yo refund my money before i took the car off the lot. Contact the fiance company same day of purchase XXXX was the one told me that the air bag was deployed he ( XXXX  ) at honor fiance tpld me to trade ot in but no one wanted it for a trade cause they said the car was not worth the equity of the car
My father passed the property is in The XXXX Of XXXX XXXX. I've requested a mortgage modification with Select Port Folio to bring the mortgage current. Select Port Foilo servicing is in possession of the documents they've requested to process my request. There is a property foreclosure sale set for XX/XX/2018. I don't want to loose the property.
I have had the same mortgage company since i purchased my home in XX/XX/XXXX. The started off as XXXX XXXX then change to Green Tree and they are now XXXX. They overcharged me so many time as Green Tree and made my life miserable. I finally 2 years ago had to file bankruptcy just to keep my home. They were sued XXXX XXXX in XX/XX/XXXX. I have yet to receive any information about money i am sure i am owed by them this lawsuit being they have XXXX my whole life up and would like to know what i have to do to get information to claim part of this lawsuit. Please if you can give me the steps to take. Thank you for your time and help in this matter. <P/>Sincerely, XXXX XXXX
I submitted a complaint about  XXXX   XXXX  of  XXXX  trying to charge me almos st 5,000 do llars for attending their school for a few weeks. Now they have a company calle d Williams and Fudge hara ssing me.
EQUIFAX HAS DAMAGED MY CREDIT REPORT AND SCORES BEYOND REPAIR! SEVERAL SPLIT OR ORPHANED FILES ALONG WITH FRAUDULENT ADDESSES ETC..
On XXXX/XXXX/16 JPMorgan Chase closed the credit card account because I refuse their threats, and posted on social media their attitude, on same date and on XXXX/XXXX/16 I emailed and asked to be sent a final settlement. 
See : XXXX and XXXX more ... 

Message body Chase Credit Services. 

You are hereby being notified that you have either option. 

You can settle the account now and I will make payment in full on the amount agreed. 

However, JpMorgan refuses to issue a final statement, just to collect residual interest. I have asked for a final bill and their refusal nothing but greed. 
************************************************************************************ 1 ) Have asked for a final settlement on XXXX/XXXX/16 in order to pay in full - Chase refused to comply. 
2 ) XXXX/XXXX/16 Chase issued a regular settlement, the same day I received the statement I made a full payment, including the disputed amount. 
XXXX/XXXX/16 Chase notified me of residual balance of {$9.00} interest for the time they issued the statement. 

Clearly I asked them before to settle in full and Chase refused, this is fraud.
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : PNC BANK Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/2017 through XX/XX/2017 ) .I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
I have tried time and time again to convince XXXX and this XXXX XXXX that this debt was not created by me. I have never had XXXX and for them to sit there and tell me that I have is wrong. 

I have tried and tried to negogiate with these people and they refuse to corporate with me, I have never had XXXX XXXX.
The XXXX form for 2015 included capital interest whereas prior year XXXX forms did not. I contacted Nelnet 's customer service several times to try to understand the change in reporting methods with no resolution. I have also requested a current amortization schedule of loan payments remaining on the loan, which has not been responded to. In general I 'd like to see how my payments have been applied to the loan, including several payments made directly to principal so that I can confirm they have actually been applied as expected.
It was reported on my credit that i owed XXXX XXXX XXXX XXXX dollars. it was reported on XX/XX/2018. The company XXXX XXXX has taken over the debt. i have since called the company between the dates of XX/XX/XXXX-XX/XX/XXXX can't remember exact date, but i called and asked if i paid off the debt will it be deleted off my credit report. i was told yes but i would have to pay in full. so i did pay in full and the money pulled out of my bank account on XX/XX/XXXX. i was then told by my credit fixing company that it shows paid but the company is still keeping it on my account. i called on XX/XX/XXXX and asked the enhanced company why is it not deleted off my account i was told they don't delete but they do show its paid in full and kept on the account. i then explained to them that's not what was originally told to me and in fact it was stated that my account would be cleared. i then told them due to this my credit score will remain in a negative light and i wasn't sure why if my account is cleared of the debt why can't it be deleted. again i was told they don't delete items off the accounts, they just say it was paid off.
Ive asked speedy cash loans multiple times to work with me and also stop reporting negative information to XXXX. Also Ive asked the US department of education to help me with their account and stop reporting information that is an account older than 7 years
Ocwen financing llc is reporting a foreclosure on my credit report twice. This is just XXXX foreclosure, having it reporting twice is causing me not to be able to get another loan.
My name is XXXX XXXX. I reside in XXXX XXXX XXXX NY. I have been banking with TD bank for several years. On XX/XX/18 I lost my wallet containing my New York State Identification, Td bank debit card, Social Security card, and other pertinent information. Someone found my wallet and made several unauthorized transaction using my debit card. The fraudulent charges are as follows : {$2700.00}, {$150.00}, {$100.00}, and {$54.00}. all were made on XX/XX/18. I used my debit that morning to get a cup of coffee, and ran a few errands locally and was home by XXXX XXXX. When I started to get ready for my Friday evening events, I realized I lost my wallet. I immediately Notified TD customer service, They alerted me of all the unauthorized transactions, and although I notified them within 3-4 hours of the fraud, I was told the transactions were still pending and I would not be able to file a claim until the transactions posted to the account. The banking specialist said to call back in 4 days to make a claim. I did, I made a claim on XX/XX/18. When I called back a few days to find out the status of my claim, I was told my claim was denied because I made a claim the year before. I have made many phone calls, and written several letters pleading my case quoting their 0 % Liability Agreement, all have been unsuccessful. Because of my failure to resolve this problem with the bank I have been forced to file a civil suit in the XXXX county Small claims court. We have a court appearance scheduled for XX/XX/18 at XXXX XXXX. Index # XXXX. Im hoping you are able to help me resolve this issue amicably with the bank before my scheduled court date. My contact # is XXXX XXXX XXXX. Thank You.
I was a victim of identity theft. I am the rightful owner of a property that I have previously submitted information to this office against Bank of New York Mellon, XXXX XXXX XXXX, and XXXX XXXX. This was a predatory lending loan and I was awarded XXXX settlements now that I have yet to claim. I am looking for assistance because I was waiting for word on the settlement and now I see a for sale sign on my property by XXXX. I was told that the state denied the foreclosure but the county persisted on padlocking my property. This could be a violation of law against a XXXX person as I was declared XXXX. I am looking to claim any and all settlements in regard to this property as I paid over XXXX toward it and remained on the property until it became unlivable. Now that there has been an award I have been further victimized by identity theft and persons attempting to stake claim on my property.
This is the email I sent to them. 

I Have a deposit on hold for XXXX dollars. I have not had a hold like this before and Have XXXX insure payments that I can not change because it is already in process. This is going to cause a problem for me. As such I have my payroll deposit coming thru on this Thursday and have a mortgage loan that will be pulled out that day that will be using some of this money. This is unacceptable and will be causing major problems. Its not like you have a ATM anywhere and i mean anywhere near me. The closet one would be in Georgia. You also can not cancel the deposit so I can go into my business bank account to get money out and then go to a store and get a money order and then find a ups store so I can deposit cash. because you already have that money tied up. Does this really sound convenient? I now have to try and scrounge up and hope XXXX that my insurance does not go thru and try to find some cash to go thru the task of putting some cash into my account. Come on guys/gals I have been a member for 15 years. There has got to be a better way really.
I sent a letter to MACYSDSNB letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and MACYSDSNB refuses to delete the fraudulent accounts from my credit report stating in a letter its verified MACYSDSNB provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
On XX/XX/XXXX Nissan motor corporation fraudulently listed my car as a repo on my credit in an effort to distort my credibility with creditors. Ive paid all of my payments on my vehicle loan with Nissan and had sent them the XX/XX/XXXX payment as well. My mom drives this car therefore although its financed by me she insures and drives it. Im an excluded driver driver because I dont normally drive the car and Im not on her policy. However, we decided that Id get the car back as soon as she get herself another ride. My mom gave it back to me and unfortunately I had a wreck that totaled the car. She hadnt gotten the chance to add me to her policy on that date. 
The wrecker service called by the officer who took my statement during the accident apparently called Nissan as I never knew the location of the car. My mom was handling all of that. She ( my mom ) stated the wrecker service told her the car was being picked up by Nissan when she inquired about it in an effort to take care of the salvage and pick up the personalized tag that was on it on XX/XX/XXXX. When I went to trade the totaled vehicle, NMAC had listed it as an involuntary repossession to the bureaus. They never called or contacted me about their intent to take my car or why they thought they were involved. As my car wasnt in any defaults where NMAC were involved. I was paying and consistently maintained insurance on it, in full compliance of my lease agreement with them. When I called and three way spoke with a representative in the repo dept along with my mom to find out why they came and got my car they told me the wrecker service called them and said no one was reachable to take care of the salvage. So they took it. That is wrong and creditors arent allowed the opportunity to seize possession of any vehicle without first giving the consumer the right to take care of the matter. They just got the car and put it on my report in an effort to discredit my credibility. Nissan was being paid and had no loss here they decided to report false information to the bureaus and didnt give me anytime to resolve the matter. I had the accident XX/XX/XXXX they placed this car as an involuntary repo on my credit XX/XX/XXXX which is a blatant attempt to take money from me and discredit me. The FCRA has laws against reporting false information to bureaus and stealing from consumers by businesses and this is what Nissan has done to me. I want them to fix this or Id like for the FCRA to take action against them if they dont. They told me Id have to pay repo fees and reimburse them for salvage and take possession of my vehicle which they took without a cause in the first place in an attempt to steal money from me and discredit my credibility. Im young I know but Im not stupid.
national credit systems claims I owe XXXX to XXXX XXXX. I do not owe any such debt. if anything I am owed a security deposit refund. no proof or explanation has been provided to verify any such ccharges or claim exist.
I have several addresses that are not reportable addresses by me. I have never received mail at these addresses either. They are appearing on my credit report and Transunion refuses to delete them.They are not deliverable by mail to me. there are incorrect phone numbers as well reported that need to be remove as well as employment data.     Attached is my current drivers license and ssn card Remove  XXXX   XXXX   XXXX   XXXX  SC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  SC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   Sales Agent   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX