WillisBack/dataset-financial-user-claim huggingface dataset:
This company needs to be held accountable for putting this information back on my credit file. I do not owe anyone for a cell or cable bill. I disputed your inaccurate entry on my credit file back in XXXX and it was deleted. Now you have once again put the inaccurate entry back on my credit file. I contacted the company in XX/XX/XXXX and the file was removed. I was told by a female rep that I wasn't found in their system and they also needed the account number which is only listed on my file as XXXX. They don't even have a complete account number in their system. Also, so never received any type of notice from this place or phone call. I was told the account was for cable or cell but they couldn't tell me which one exactly but it was for XX/XX/XXXX. I have been XXXX since XX/XX/XXXX so I don't have a home to have cable. I have never had cable in my life when I did have a home. I don't owe any cell phone companies either. I want this company to stop putting this inaccurate info on my credit file. I want this entry removed and not placed back on my file. I want them to show me bills with the address listed where they were sending delinquent notices and creditor letters notifying me of the account. They have produced nothing.
We were leasing in an Apartment for more than XXXX XXXX XXXX. When we decided to move to XXXX. I gave them a notice of 30 days period since on that last few months i did not re-new my contract so im just paying month to month basis. 
When we left we were charged {$1600.00} for the Balance they were claiming and i know for my self that I paid my dues. I tried to settle the debt without complaining since we and the people in the leasing office had a good relationship. Im trying to pay atleast {$100.00} per month and i lost my job. Now I have a new job and trying to find an apartment to settle. I can not get an apartment anywhere because what reflects in my Credit is EVICTION and I asked them wjhat is the break down of that amount then i discovered about a {$1000.00} bond that never was discussed to us + the Bal. of {$570.00} which I consider as remaining bIlls, that 's fine but {$1000.00} is something and i asked them to change the report as just a credit the leasing manager said they can not not until i pay the amount. My family can not start life here in XXXX and we are just living with a relative because we can not get an apartment to live in. Even if how much we try to ask them to change the report wherein they do know that we are not Evicted in that apartment where we stayed. 
I really need help about this matter. We are Homeless and overstaying with a relative.
The group represented a collection agency ( of the auto finance company ). Debt was settled, I did not receive a letter indicating the debt was paid, and the original creditor indicates they have not received payment 2 months since the check cleared.
YOU MUST REFER TO ATTACHMENT # XXXX - FULL CASE to fully understand my case and request. PLEASE GO THROUGH THAT DOC BEFORE ANYTHING ELSE. 
On XX/XX/2016 at XXXX PST, I applied online for the XXXX card ( application ID # XXXX ) issued by Banco Popular de Puerto Rico, using promotional code AVSPWE to receive a Welcome Bonus of XXXX Lifemiles. 
After clicking on " XXXX '' my application, a pop-up message displayed on the screen prompting me to confirm my identity by answering a few questions. Before showing me any question, the webpage kept " thinking '' for a while and then an error message displayed without giving me any questions to answer. Please refer to attachment " # XXXX. Identity verification error '' which is a snapshot taken with my cell phone of the screen error message I got. As you can see on the left of the snapshot, a " no items to show '' message displayed instead of the questions I should have been given to answer to confirm my identity. Also as you can see on the center of the snapshot, an " Unable to continue, XXXX we can not identify you '' message displayed. Then, I was kicked out of the application and received an immediate denial email. 
I then had further issues with Customer Service ( additional hard inquiries on my credit reports without my consent a a claim opened with no resolution after 2 months ). Please refer to attachment # XXXX - Full case, to understand the issues I faced regarding my application, my interaction with Customer Service, the claim I opened with no resolution, and what I am requesting from you at this time.
My name is XXXX XXXX and I have been trying to correct some errors that were reporting on my credit file. In the process I had helped my daughter get into an apartment. When she moved there was money owed. The first thing I did was contact the apartment complex management company and paid the debt. I don't know if the issues is with the XXXX XXXX XXXX or the XXXX XXXX but the point is there should be nothing owed to the company for this apartment and it should not be listed on my credit report.
I opened a checking account with Suntrust Bank on XX/XX/XXXX with an opening deposit of ( I think ) {$100.00}. I never received a debit card. About 1 month later I received a letter apologizing for not sending a debit card and stating that an extra {$25.00} would be deposited to my account as a courtesy. I never received a debit card, never received more information from Suntrust, and could not open an online account without the card. 

XX/XX/XXXX I received a notice from Suntrust stating my account was overdrawn and that I owed {$7.00}. I had been charged a monthly fee of {$12.00} for 11 months. 

I called in on XX/XX/XXXX and was told that my account was now {$19.00} in arrears and that they could n't cancel the account unless I flew to a state with a physical branch and cancelled in person after paying what I owed. Finally they granted me credits for {$24.00} and said I needed to call again to have my account cancelled. 

I called on XX/XX/XXXX and spoke with a Supervisor named XXXX. XXXX stated that she could credit me an additional {$48.00} but that the system would n't allow her to credit me the full amount of my opening deposit. She said she would close my account the next day and I would receive a check for {$53.00} shortly. 

On XX/XX/XXXX I received a statement ( my first ) from Suntrust showing I was again assessed a {$12.00} fee on XX/XX/XXXX. 

On XX/XX/XXXX I called Suntrust again and was told my account was closed on XX/XX/XXXX after the fee was again assessed. There was no explanation for the processing delay.
I HAVE AN ACCOUNT FROM XXXX XXXX XXXX XXXX FROM XX/XX/1999 THAT KEEPS APPEARING ON MY CREDIT REPORT, THIS ACCOUNT WAS INCLUDED IN A BANKRUPTCY FROM 15 YEARS AGO. THIS DEBT WAS DISCHARGED EQUIFAX KEEPS HAVING THIS INFORMATION RE-APPEAR ON MY CREDIT FILE, IT WAS IN BANKRUPTCY AND ITS WAY PAST THE TIME THAT ANY DEROGATORY ACCOUNTS SHOULD BE LISTED ON THE CREDIT FILE
I applied for {$7100.00} credit through XXXX XXXX XXXX XXXX   on XX/XX/XXXX because I was upgrading my HVAC system. I  was denied credit through XXXX XXXX XXXX XXXX. According to the information sent to me, the reasons for the denial were the following ; Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high ; Derogatory public record on collection filed ; According to their records, my credit score was a XXXX. 

The reasons stated above are inconsistent. First, the proportion of balances to credit limits were under 20 %. Second, there is a settlement on my credit report, however, it was settled in XX/XX/XXXX. In addition, it was stated that my credit score was a XXXX. This is not true. I checked my credit report before applying for credit and after I was denied credit and the scores were XXXX. 

I believed that I was discriminated against under the Equal Credit Opportunity Act. I should not have been denied credit. Further, my annual income is $ XXXX.
Equifax took my information, mishandled it and then gave it away to malicious parties. Their website telling me to mark my own calendar is shameful. I did n't ask them to collect this, I did n't lose my information. They should be held fully accountable for everything, and THEY should be dealing with this. Not me. 

Shame on those sleazy executives for selling stock. What kind of disgusting corporate creed are we allowing to happen? Where is the justice and fairness for the average person?
I am lodging a complaint against Wells Fargo. I have tried to modify my loan with them for about three years. I never get follow up I 'm always playing phone tag and they are not helpful at all. This past Sumer they offered a workshop in XXXX NJ, At that time I met with an under writer and they told me they where going to get me into a better mortgage with a traditional loan and a lower interest rate. I was so excited and felt they where really going to help. My trial period began in XXXX but the payment went from XXXX to XXXX. 
I was shocked. They told me it was to get me caught up. A new payment amount will be lower when the trail period ends. To my shock, the new payment only when down XXXXDollars??? Now when trying to get answers there was little information they could offer. 
I stated to them they have to reduce my interest rate in order to get me an affordable payment. I stated I was contacting the CFPB and boy did their ears perk up! 
This was on XXXX/XXXX/15 that I received my new modification and also on XXXX I called them. 
Later that evening a received a call from a customer service rep. concerned about the conversation I had earlier that day. He told me he would get back to me within 5 business days. That never happened!! My paper work from the modification stated that they needthe modification signed and returned within XXXX business days or it could go null and void. 
On XXXX I left XXXX messages XXXX with XXXX XXXX my specialist and with XXXX XXXX XXXX from customer service. I never heard back. Knowing I had a dead line XXXX/XXXX/15. I sighed the modification and mailed it off. Today, XXXX/XXXX/15 I receive a phone call from XXXX. He started the conversation off my saying he had information regarding my loan. I though maybe he worked out a lower interest rate with the underwriter but during the phone call hestopped himself, as if he was reading something, and stated he JUST noticed I returned themodification paperwork and by signing and returning it that must mean I agree to the terms. 
I explained to him I had a deadline and was afraid that the modification would be voided. 
I stated I 'm not happy with my new terms. He got real squarely!!! 

I have been miss lead and miss treated be this bank. They think they helped me myreducing my interest rate from a XXXX to a XXXX rate. Really, that 's all they could do. I think they are really playing games. A friend told me about CFPB and said it was established to help consumers when they feel trapped and no where else to turn. I am going to hopefully be in this house for a long time and would like to pay a more reasonable payment. Being on permanent XXXX hinders our financial situation. I came down with XXXX and our medical bills are through the roof. Along with raising XXXX young children in this difficult financial time, we could use all the help we can.
On XXXX XXXX, 2017 went to the bank Navy Federal Credit Union, to withdraw {$20000.00} dollars, for family support, was advised by the teller, the account was restricted. Spoke with asst mgr, XXXX XXXX, ( no help at all ) who stated the security dept has placed a restriction on the account to do an investigation for fraud. Advised no fraud on account, spoke with XXXX the manager who I gave the names of the persons who wired the monies. As of today, the account is still restricted ( 23 days ) no notification given by the security dept other than I would be notified when the issue was resolved. Is this a good explanation for you, not for me. This continues to this day I have been hung up on via telephone by supervisors, provided no information concerning the investigation. I am unable to pay my bills, there are about {$500.00} overdraft fees accrued on the account, due to not being able to move money. I have written to the President of the Credit Union, and received no response back. Please help
I have submitted paperwork to Equifax and they have not removed these two collection accounts that are not mine or provided any additional information.
On XX/XX/2017 I applied for a credit with XXXX XXXX through XXXX. I spoke with XXXX XXXX and he informed me my application was approved for a corporate account without a personal guarantee so he did n't get my personal information only my business information concerning my XXXX application ... He sent me the terms of the lease and also told me my application was good for 90 days ... on the same day I went back online and applied through XXXX XXXX ( not the XXXX site ) for a XXXX XXXX loan ... at that time the application asked for my personal credit information and I supplied it within the application ... within a few minutes I received a confirmation email saying my application was still processing and if I wanted and update I should contact XXXX XXXX in which I did to get the status of my application ... XXXX XXXX responded back stating that my XXXX application was not approved because of my personal credit, I immediately sent him a email back stating my personal guarantee information was only authorized for my XXXX XXXX loan and that I did not authorize my personal credit to be used in determining my XXXX Application ... he preceded to tell me that my personal credit could n't be ignored now even though it was n't originally authorized to use on my XXXX application ... due to what I feel an error on XXXX XXXX parts now I wo n't be receiving my XXXX products because he took it upon himself to combine my applications after he looked over what he really should not have been concerned with and only been concerned with my working XXXX application and not my XXXX application!
THEY HAS STILL FAILED TO PROVIDE PROOF OF ACCOUNT OWNERSHIP WE ARE FILLING A LAWSUIT AGAINST THEM FOR FAILING TO REMOVE THIS ACCOUNT. 



XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms Date OpenedXX/XX/XXXXAccount Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$950.00} Comments -
EXPERIAN XXXX  XXXX ARE REPORTING INACCURATE INFOMATION SUCH AS STUDENT LOANS CARS AND LOANS. I FILE A POLICE REPORT ALSO ATTORNEY GENERAL OF TEXAS. THE CREDIT BUAREU STILL SENDING FALSE INFORMATION.
The institution in question mailed me a bill for {$56.00} after my visit which I had pay my co-pay. The statement had no due date and was payable by check, on XX/XX/2016 I paid the balance in full. Then on XX/XX/2016 after the balance was paid in full the institutions sent me to collections ; which now reflects a collection case on my credit report.
After experiencing a hardship period, we sought legal and financial counseling from bankruptcy attorney and HUD counselor. We filed bankruptcy, aggressively sought to devise and maintain family budget with every household member contributing to household expenses. This over a few months started to take some positive shape. We have been working with a HUD counselor to apply for a mortgage loan modification. XX/XX/XXXX we submitted out initial application packet with required documents via our HUD Counselor via HOPE Portal. This certainly gave us XXXX that our family would not lose the roof over our heads thru foreclosure. We understood that the application process would be much more streamlined end-to-end via our HUD Counselor who would directly upload all documents and communicated via HOPE portal with Bank of America ( BOA - my mortgage company ), What we have found is that we ( myself and HUD counselor ) have met all deadlines yet BOA keeps creating delays. I was strongly advised to file this complaint because BOA continues to sit on the documents uploaded in the HOPE Portal and allows them to expire month after month! Moreover, they have changed contact person handling my application XXXX times since the process was started in XXXX 2015. Each time a new Customer relationship manager ( CRM ) is introduced, they take weeks to familiarize themselves with my file and missing weekly update calls that they schedule with me thus allowing documents to expire again! Recently my newest assigned BOA contact surprisingly asked me to review, notarize and return within XXXX days some documents for our County Deed Recorder which was missed during my XX/XX/XXXX modification. This has nothing to do with the open XX/XX/XXXX modification application actively under review from what I understand OR does it? Bank of America offered me a {$500.00} incentive to compensate me for my time and effort in getting these XX/XX/XXXX modification documents completed, notarized and back to them asap!?! I do n't understand exactly know what to do with this unexpected element now in the mix - at the tail end of a new modification application! Firstly, I 'm not a legal person and want to make sure I am not doing something that will put me further in the hole financially!!! 
We were told a decision on the modification application would have been made weeks ago, yet they have managed to continue to delay a decision on our current modification application. We continue to sit on pins and needles wondering why?!?! XXXX will be here before we know it and still no answer .... Please help! Just HOPE we get a fair option or decision to make our life work for our family. Sincerely
I requested a credit report from Experian dated XXXX ( Report # XXXX ) which incorrectly listed the following Public Records which do not belong to me : ( 1 ) XXXX XXXX XXXX ( Judgement in Favor of XXXX XXXX XXXX ). This is a XXXX judgment which appears to be in the name of my father ( XXXX XXXX XXXX, XXXX ) who lives at XXXX XXXX XXXX, XXXX XXXX, XXXX. I live in XXXX and have no knowledge of ( or obligation to ) this matter. 

( 2 ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). This too is a matter related to my father ( XXXX XXXX XXXX, XXXX ) who lives at XXXX XXXX XXXX, XXXX XXXX, XXXX. I live in XXXX and have no knowledge of ( or obligation to ) this matter. Additionally, This is surely under a different SS #.
I have a XXXX XXXX account that went into collections with Portfolio Recovery Associates, both are showing on my credit report for the same account. This is a violation of the Fair Credit act and I have requested that it be corrected.
Please see attached letter sent to DSRI along with a copy of a police report for Identity Theft. This debt is not mine please remove this from my Credit Report and please communicate in writing only. No Phone calls please.
I returned my vehicle to Hyundai Finance and was told by the dealership that since I had Wheel and Tire insurance that I paid for monthly I would not incur any damage or wear charges. After turning it in, I have received a {$600.00} bill from Hyundai for rims, tires, and " bumper damage ''. They said they took pictures and placed them online and the damage was severe. At the dealership we walked around the car and the dealer said he saw nothing that would involve them charging me after the case for wear and tire in excess of normal. He said the rims and tires were worn and would be an issue if we did not have insurance, but since we did we were good to go with turning it in. Had I known that the insurance would not cover this when turned in we would have had it replaced first while covered, then turned the vehicle in. They are squeezing money out of us when we were paying for the coverage. We were told something by a representative of their company that apparently contradicts what they now say.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
My vehicle was paid off XX/XX/XXXX. My XXXX XXXX XXXX was financed through BBVA ( Compass Bank ). The received more money than what was owed on the account and they sent me a refund for the difference of {$730.00}. I knew three days after purchasing my new vehicle the over payment from the dealership. I called XXXXXXXX XXXX to get my gap insurance refund and they told me that I could not file a claim for that until they received a paid in full letter from Compass. I had to wait like 20 days before they were able to provide me with the letter. Once I got the letter I sent it to XXXX XXXX  and they told me that the money would go back to the dealership and Compass would debit the account and refund me my money in 30 days. I called Compass and they told me that they included that in the refund they sent me previously. This is not my first time paying off a vehicle and I know that was not true. I did not file a claim for the gap insurance until well after I deposited the check from them and I knew the exact dollar amount of my over payment and the amount they are saying is not correct. They are refusing to refund me my gap insurance over payment. I was told my payoff was {$350.00} cheaper than they are now reporting.
not my account. company is still reporting even though I 've notified them of such, filed a dispute with CRA and they have not provided proof that this is my account or the amount they say I owe.