WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax put a fraud alert on my credit report for no reason at all and it caused problems getting my electricity connected to an investment house. Tried their phone support but they don't answer their phone. Finally I decided to get a free credit report from them to see what was wrong. There was nothing wrong with my information except that they still showed an old address as the current address and a statement " file blocked for promotional purposes ''. The two other credit reporting agencies did not have any of those errors or fraud alerts. That gave me a chance to correct that so I sent them all the information to be corrected including a copy of their own credit report in XXXX that showed the correct address information. On XXXX XX/XX/XXXX they sent me an email that the dispute was completed. I must have tried about 20-30 times to access the information on line but every time they display " We are unable to process your request! contact us directly '' etc. I checked if other people had the same trouble and sure enough.. XXXX XXXX XXXX shows 1029 complaints about Equifax and how they try to make money rather than giving your dispute results. Why is Equifax getting away with being the most difficult credit reporting agency to work with. Why can't we have just one decent credit reporting company? Would it be possible to have a class action lawsuit by the citizens of this country?
This company keeps providing inaccurate information about my student loan and sends inaccurate communications. They have repeated attempted to steer my loan into forbearance instead of refinance or a new payment plan. They send me erroneous communications and threats on a regular basis. I have had to block them from contacting me via my cell phone due to abusive practices. At one point someone even contacted my employer and tried to discuss my student loan with my supervisor. I need the abuse to stop. I filed bankruptcy but that wo n't make this loan go away. I am attaching just one of their communications, where they make a threat to report my loan to the credit bureaus. Firstly, they are already doing this, secondly, they state to call them by XX/XX/XXXX to discuss other options, but sent this message on XX/XX/XXXX.
I have already paid this amount with XXXX off and contacted the debt collector which was over a year ago and they said they've already updated the credit bureaus. Its only updated through XXXX not XXXX.
Security Finance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
To who it may be concerned, This collection/charge off is a result from a not-at-fault total loss to the vehicle. The remaining balance that was owed after the car was paid off by the insurance company was for the extended warranty ( document 3 ) ( that the finance company obviously cancelled after the total loss and wanted a refund for from the dealership ) which was supposed to be paid by the XXXX dealership to their financial service. They refused for months to pay it so thats why this account went into the negative. From no fault of my own. I complained and complained for months that they needed to take care of this because it was hurting my credit report. Finally after months of getting in contact with them they finally paid it off. So this account is settled, they received payment and have admitted on multiple occasions that this was in no wrong going of my own and they have said for years now they would take this off my credit report but it is still there. I dont understand why my credit report says " charged off '' when they got paid. Included are proof that the vehicle was in fact in a total loss, also included is proof that the amount owed on the car ( minus what I owed on my previous trade which was paid by GAP insurance ) was paid in full. Also included ( document 3 ) is a letter from the creditor to the dealership requesting a refund for the extended warranty ( which is the amount that got charged off ). So you can probably see my frustration as it looks very much like the dealership didnt want to pay it back to the creditor which is a division to their own company! Also included is the GAP insurance claim which paid off the balance owed after the settlement. Please help me resolve this issue I have been trying to get this resolved with Nissan Motors/ XXXX XXXX for three years now with no luck. I have opened disputes with all three credit reporting agencys but nothing seems to be happening. Thank you for your time and any help you can give me. It is very appreciated. 

Thank you, XXXX XXXX
I review my credit and there is XXXX unauthorize inquiries on my credit reports with Experian, XXXX, XXXX.
Here is the list of Hard Inquiries 1.XXXX .dated XX/XX/XXXX. 2.XXXX XXXX.XX/XX/XXXX. 3.XXXX XX/XX/XXXX 4.XXXX XXXX. XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX XXXX .XX/XX/XXXX 10.XXXX XXXX XXXX  XX/XX/XXXX 11.XXXX XX/XX/XXXX
I have a credit card with Chase XXXX XXXX XXXX and on XX/XX/XXXX I made a purchase using the card. On XX/XX/XXXX I paid the balance off in full but rounded up so that I overpaid by XXXX cents. My XX/XX/XXXX statement showed that I had a XXXX cent credit and no further payment was needed. I then did not get another statement till XX/XX/XXXX, this statement showed that I had a purchase for XXXX cents eliminating my previous XXXX cent credit bringing my balance to {$0.00}. I called Chase customer service and spoke with a lady who said they only identify by their first name and no employee number, her name was XXXX. she told me it was Chase internal policy to take back anything under XXXX dollar and this information was not written or posted anywhere for me or any other consumer to see. She wanted her supervisor involved as I was asking questions she did n't know, her supervisor, XXXX said that what they are doing is not illegal. They take back anything under XXXX dollar and keep it until claimed. They offered to credit my account. I asked how can they take back my money and keep it until I claim it but not inform me that is the policy or notify me that I have money that needs to be claimed? How is this not illegal and unethical? How is this not a company wide plan to steal many cents from millions of their customers as most do not know or realize they need to call to claim money that was removed from their accounts and or how many millions of people do n't bother to call and spend an hour on the phone to claim their cents back? How is this not a class action lawsuit?
I received a notice for an account that is unknown to me, requested verification and received just a statement which provides me with no kind of evidence. Please assist me
Capital One mailed me a closeout check on or around XX/XX/XXXX, received on XX/XX/XXXX, deposited to my XXXX XXXX account on XX/XX/XXXX. Capital One chose to place a stop payment prematurely on the check and in error, they will not admit to this error plainly, will rather state " Expectations not set correctly '' as reason for stop payment. A second check was expedited via XXXX second day air and rep ( s ) did not allow enough mail time for prior check before reissuing and thus stopping payment.. The check amount, XXXX, represents the remaining balance in my checking account ending in XXXX. Replacement check was sent on XX/XX/XXXX and delivered on XX/XX/XXXX. I left for XXXX XXXX on this day, was not at my address to receive/sign for it or sign check itself. 

XXXX XXXX with XXXX XXXX XXXX picked me up, drove me to XXXX XXXX XXXX at XXXX XXXX on XX/XX/XXXX. I have a statement from Mr XXXX stating he picked me up on said date and time. Please see attached document from Mr XXXX, he can be reached at XXXX. I was in XXXX XXXX from XX/XX/XXXX to XXXX. 

I received information from a XXXX with leadership team at Capital One stating said check was intercepted and signed by a XXXX XXXX whom does not live here, cashed at a XXXX XXXX XXXX which is not my account and do not bank there. A XXXX XXXX with Capital One has replied in re about this, stating the person, XXXX XXXX, lives at my address and the XXXX XXXX Bank account is or was linked to my Capital One account at some point. She also refers to a check deposited to my account from this person sometime ago. My account is now closed and It appears Capital One chose to close it due to account security, they saw the linked account, which I am not aware of, as a possible risk. It appears someone had hacked into my account at some point, added XXXX XXXX account and also used my account to cash a check in the past. Neither of these two incidents are related to loss of funds or constitute receipt of them. 

If Capital One will check signatures on check received on XX/XX/XXXX and replacement check delivered on XX/XX/XXXX, they will see signatures are different from another. Also, another check from Capital One covering overdraft and return check fees relating to stop payment shows my true and correct signature, as does the check received on XX/XX/XXXX which was deposited to my XXXX account and is now closed due to overdrawn status. The overdraft is a result of Capital One stopping payment prematurely as stated prior. I've requested Capital One check signatures, XXXX XXXX did not comply. For argument sake and figuratively speaking even if the person, XXXX XXXX, is related, does not mean funds were not stolen from me as they in fact were..

I request someone in office of the President look into this matter which has been ongoing since late XX/XX/XXXX/early XX/XX/XXXX. To avoid investigating signatures as requested, Capital One chooses to mark complaints as duplicate to avoid doing so. They requested additional time to reply to a prior complaint, which took over a month and then turned around, marked it as duplicate.
i PURCHASED A XXXX MATTRESS SET AND THE XXXX XXXX THAT COVERS THE TOP MATTRESS RUNS TO THE CENTER OF THE MATTRESS. a XXXX AND XXXX YEAR OLD HAD SLEPT THIS BED 2 WEEKS AFTER IT WAS PURCHASED FROM USA LIVING. THEY WENT BANKRUPT AND SAID I HAVE TO PAY FOR IT. i NOTIFIED THEM RIGHT AWAY AND THEY CLOSED THE STORE AND DONE NOTHING. i WANT CREDIT FOR THE SET AND I TOLD THEM COME AND GET THEIR ITEMS RIGHT THEN. STORE CLOSED IN LESS THAN 3 WEEKS AFTER THE PURCHASE AND IT TOOK ME UNTIL XXXX FOR SOME ONE TO CONTACT ME ABOUT THIS.
I am filing this complaint because a company called Americollect is not providing me with validation that I owe them any money. They are reporting that I have four unpaid debts with them totaling {$3800.00} but I have never done business with them or signed any agreements with this company. The first debt is for {$980.00} and was opened in XX/XX/XXXX according to my report. The second debt is for {$980.00} and was opened in XX/XX/XXXX. The third debt is for {$930.00} and was opened in XX/XX/XXXX. The fourth debt is for {$980.00} and was opened in XX/XX/XXXX. The account numbers on my credit are all " XXXX '' so this is very suspicious. I also do not understand why they are all for the same amount. I 'm including a section of my report which shows how they are reporting all these debts to my credit. I 've done some research online and I have only come across complaints by other consumers who have been harassed and scammed by this company. It is listed that they are based in XXXX, Wisconsin and I have never lived in Wisconsin in my life. I live in Florida. There are over 84 consumer complaints listed on the Better Business Bureau 's website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
We went to Bank of America to ask for a refi of our XXXX & XXXX mortgage - they would not process the request. 

We then asked for their help with a loan modification when we realized that our XXXX mortgage with BofA would convert into a fixed rate loan with monthly payments of {$2300.00} & our XXXX mortgage is {$2900.00} with an interest rate of 5.750 %. Boba declined our request for a loan modification. 

We would have been eligible for government assistance under HARP but BofA wo n't sell our loan to XXXX - they are holding us hostage in a loan that we can not afford.
Got a copy of my credit report and it shows Chase was 180 days late. This was part of a loan modification in which has now been made current but is not reflected on my credit report. This needs to be updated. 

Also Chase was a second line of credit which was settled and is reflected on the credit report but should have been removed from the report by now. The account was settled back in XX/XX/XXXX. 

Last in XX/XX/XXXX XXXX credit card shows a 30 day late payment. This was due to a mistake on XXXX  who sent my bill to the wrong location. The bill was paid and i was told it would not be reflected on my credit report but it is.
I have submitted several written requests to Equifax Credit Reporting agency to verify and validate incorrect information in my credit report. I have also asked them to supply the signed documents as proof that the creditor has the right to report this fraudulent information on my report. They have consistently ignored my request for proof and stated that the items were " verified ''. How were they verified when there was no proof sent? By which measure was this account verified if there are no signed documents to show? This Credit Reporting Agency is willfully ignoring the FCRA and my request for proof of valid verification on accounts on my credit report. They have also insulted me as calling my requests frivolous, and denying my repeated request for verification. I am disgusted with there business practice and willful disobedience of Federal Law.
I noticed on my credit file that I had some incorrect information being reported on an account. I called the account and verified with them and they validated that the information was incorrect. I submitted a dispute with Equifax and they sent me back the dispute and confirmed there was no historical data for the account and it has been updated. However, the account still shows the inaccurate information.
I recently was approved for American Express Credit Card for my business. I received it and activated the card but when i attempted to use it, it kept declining. I contacted Amex as to what is going on and they stated it was due to my " Personal Account '' which i have never had with amex. I kept asking them to verify the information on the account and come to find out Amex has linked my twin brothers delinquent account XXXX XXXX to my account. Yes we are brothers but i 'm not responsible for his debts. I asked them how this could have happened and they could n't explain to me anything other than stating that it was my account, i told them no it 's not my account. I had asked them to confirm the address, social and my business phone number. They claimed this issue to delink the accounts is on the " vice presidents desk '' to have the accounts delinked and that would take 48 hours which was 2 weeks ago. I kept on calling to get this resolved but it has not been resolved. I just want them to delink my account from my brothers account, he is a grow XXXX year old man and is responsible for his debts and i should not have to be punished for someone else debts. I want to make sure this is not being reported to my credit and i want this fixed asap.
That Experian needs to update in the Payment and/or Account Payment History the status for each month. These areas are incomplete as of this writing. 
The amount past due is incorrect {$58000.00} the amount past due amount based on their letter of acceleration dated XXXX XXXX, XXXX is AMOUNT PAST DUE {$2900.00} The account is only 120 days past due as of XXXX XXXX, XXXX. 
MY CREDIT SCORE SHOULD BE BASED ON THE FORECLOSURE IN XXXX NOT XXXX
After I graduated from XXXX XXXX, I applied for income sensitive repayment plan as instructed by Bank of America so will be eligible for student loan forgiveness because I am a XXXX XXXX. I have worked for the XXXX XXXX XXXX for over nine years. I learned in 2014 that my payments sent to Bank of America did not count towards the payments for loan forgiveness.
this is a follow up to this complaint XXXX we were never given the option to modify this loan. we were steered into a deed in lieu then were told that they would do a short sale and take care of all the liens on the property. they knew about the liens since XXXX of XXXX since that was when the initial title report was pulled. we were run around in circles and provided a short sale approval with XXXX liens. we assumed that the lender took care of this but to our dismay it was not. then we were told that once it got under contract that then the lender would work the liens out. i have correspondence going back to XX/XX/XXXX trying to work this out. if we could have modified this loan we would never have moved out but we were never given that option. we were told by the previous rep that it was all go ahead for the deed in lieu and we would be obtaining a deed in lieu. the current rep stated the the house was schedule to go to sheriffs sale on XX/XX/XXXX. we have n't had any correspondence with the lender since the buyer of the property withdrew. i dont understand how they could provide us a short sale approval with {$XXXX} in liens against the property when they knew for well over 8 months that liens were on the property and they stated they would work on them to get approval then turn around and say you cant get a deed in lieu due to liens.
I woke up on XX/XX/XXXX to a total of 233 separate emails regarding credit applications, installment loan applications all in all XX/XX/XXXX is when inquires begin but I did n't realize it then. On XX/XX/XXXX and XX/XX/XXXX at my last count XXXX hard inquiries were made and XXXX soft inquiries were done. I have not been able to to view all three credit reports again to see if more are coming. I tried to get on my credit report on Equifax first but die to a cyber insodent it was alarted to get a XXXX premier account. Then got 36 and still counting alarts of activities. I called XXXX first and had my credit fraud alerted. I am in the process of of faud claim with them and XXXX. XXXX said more then likely after a investigation those 50 plus inquires made overnight would be removed from my credit report as to not impact my credit score I have recently worked hard to build. However even after being not able to log on to Equifax due to the being effected by the cyber incident I was told they would n't be removed. All I could do was a fraud alert and a credit freeze. This is a devastatin blow as within the last nine months I have gone from very poor credit to gaining two auto loans and 5 lines of credit. It is very clear this was done with not as a typical consumer would do. I am even thinking I may change my email as I am being overwhelmed with credit offers, turn downs, and junk from anything that 's connected with my email link to credit bureaus. I do n't know how or exactly when this started but there has to more I can do then just a fraud report. This is my credit involved, my personal info, my employment, and worst of all impacts my financial situation when I 've been doing all I 'm supposed to to better it. I was just getting two steps ahead. Now my credit score dropped, my credit is froze, and I see no end to this mess in sight. I have worked hard for Equifax. I thought it would work just as hard for me.
I opened a secured credit card with Capital one in XXXX of 2016. At the time that I opened the card I was told that a security deposit was required as collateral for the secured line and that I would be reimbursed the initial deposit and be able to keep the same account once I graduated to the unsecured card. I deposited {$200.00} and received a line of {$400.00}. I called sometime last year to inquire about a {$200.00} line increase that I got taking my line to a balance of {$600.00} and was told that my card was upgraded to an unsecured credit card due to having qualifying credit. At that time I asked whether I would be able to recieve the deposit that I initially put down and was told that I would not be able to but would recieve a notification by email when I would be able to. Today, a year later from that time I called again regarding being able to get my money back. My call was escalated to a manager who told me that In order for me to recieve my security deposit back I would have to close the card and I would NOT be eligible for future credit lines with the company ( despite having qualifying credit ). So not only did I recieve erroneous information at athe time of application but rather than finding a favourable resolution, I was told that my account would have to be closed with no options for future business despite having a good credit score. The most concerning part of this situation for me is that if I close the account it would have a negative impact on my credit score. I would have never opened the credit line had I known that I would have to close the account and risk having it impact my score as well as recieve my money back, had I known that that was the case.
To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$1400.00} ]. 
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
I filed a BankAmericard Cash Rewards Card today, so I got declined from Bank of America dated of XXXX XXXX, 2015 : Unfortunately, we 're unable to approve your application at this time. 
As a result of our decision, any balance transfer requests included with your credit application will not be processedXXXX, thanks for applyingI complain against Bank of America for discriminated against my income and they made me in full of disrespect banking account notification to U.S. Senators and SPeaker XXXX XXXX. 
I am dual unhappy with Bank of America responses involved due to unfit XXXX and XXXX residents notification to U.S. Senators, thank you, much! 
Sincerely, XXXX XXXX
Requested assistance with disputing a charge on XXXX/XXXX/2016, more than two months ago. 
Still have not received resolution or assistance.