WillisBack/dataset-financial-user-claim huggingface dataset:
I had a mortgage with XXXX XXXX XXXX. It was put in foreclosure. The home sold and was paid off in XXXX of 2015. The two credit bureaus that listed this item ( Equifax and XXXX XXXX  ) listed the historical delinquency at 120 days late in months leading up to this sale. They properly lined out the months of XXXX and XXXX AFTER the item was paid. But they then listed a 120 day in XXXX of 2015 ... TWO MONTHS AFTER PAYMENT.

I disputed this with the bureaus and it remains on both of them. I have attached two pages of my credit file. One showing the XXXX XXXX item and the second page which continues with their historical listing.
I have student loans serviced by Navient, Account number XXXX. I have just started paying my loans because I have been underemployed and a single mom and not able to pay. During the time I was unable to pay, I requested a forbearance which was approved. However, my $ XXXX loan has XXXX of capitalized interest now. This seems excessive and now my principal balance is $ XXXX. I feel like I will never be able to be out of this debt.
I have two fraudulent transactions : - XX/XX/18 - PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX CARD XXXX for {$1800.00} - XX/XX/18 - PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX XXXX CA XXXX CARD XXXX for {$1200.00} Someone stole my phone and my wallet and made some purchases on my account. They stole my phone and authorized the transactions. Now my bank is trying to say that I authorized the transactions because it came from my phone number!
On XX/XX/XXXXXXXX I was notified that my credit information including social security number, birthdate, and home address were compromised in a security breach with Equifax. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XXXX through XXXX of this year.
You have me living in Indiana. I have never lived there I have always lived in XXXX. Please correct.
XXXX : XXXX XXXX XXXX, XXXX by XXXX XXXX Attorney XXXX Division of Consumer & Business Education , FTC If you have a credit report, theres a good chance that youre one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. 

Here are the facts, according to Equifax. The breach lasted from XXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. 

" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. '' XXXX Thread and XXXX Thread " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XXXX through XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' " The company set up a website, www.equifaxsecurity2017.com, that  consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. ''
this accounts was disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified letter was received on XX/XX/XXXX, return receipt in attachment investigation still in process takes more than 30 days, no any answers
In the summer of 2012, two credit cards ( issued by XXXX XXXX  and Chase Bank ) were opened in my name without my authorization. Both cards were maxed out and eventually sent to collections. However, knowing that I had no credit cards and having minimal credit experience ( I was XXXX years old when both cards were opened ), I paid no real attention to my credit reports until years after the account had already been closed/charged off and I did n't truly comprehend that my identity had been stolen until this year and upon discovery, I 've done everything in my power to reverse/repair the damage caused by this event. 
Both initial and extended fraud alerts have been placed on my credit file, I have filed a report with the FTC, and I 've been actively working to get these accounts off of my credit report by contacting the CRAs and the creditors directly. XXXX XXXX confirmed that the account was opened without my authorization and immediately updated its information and notified the CRAs. This is when XXXX placed the extended alert due to true name theft/fraud on my account. Chase Bank (, on the other hand, is apparently above section 623, and treated my letter as an account inquiry rather than an alert/notice of identity theft. I 'm not sure how Chase was able to confirm that the information reported was correct after I report to them that the account was fraudulently opened.
Experian sent me a reply saying that XXXX may not be able to contact me to discuss the matter, Contact the creditor directly. Firstly I have already contated XXXX twice ( hve the certified receipts to prove so but there was no response from them. Secondly according the the FCRA if a Credit bureau is requesting validation from an Original creditor all documentation from the ID theft victim ( ID Theft Report Drivers Lisc. PHONE # etc. ) must be sent to the original creditor so they may complete a fair and exact investigation XXXX would therefore have plenty of information to contact me. Also according to the FCRA if I request Experian 's investigation process they must do within 15 days of my request I did so and I have the Certified letter receipt letter to prove it. The Account in question is XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX : Acct. XXXX Acct : XXXX
On XXXX XXXX XXXX I sent a SEPA transfer of EUR XXXX to this company. 

On their web site under my account, they specified I should have it by XXXX XXXX XXXX. 
They said it should only take 1-3 days. 

Today, XXXX XXXX XXXX, is it still showing as " Pending '' and I can not access my money. 

At the time my money should have been available, I could have purchased Ether for around EUR XXXX each. Today it 's worth EUR XXXX each, so I have lost out on my investment due to this company. 

I made a smaller deposit prior to this one on the same day to ensure I had the correct reference number on the transfer. I received this with no problems, so the error was not on my part.
I have contacted this company 4 times, each time I get a different story. I would like to get this debt settled but XXXX XXXX says that they will not remove or delete this off of my credit file.I have offered to pay them 30 % of XXXX which come to XXXX. I learned they bought this debt for XXXX from XXXX. Everyone I spoke to was nice but was never able to assist me with this issue. I would like this item completed removed from my profile. I have asked them to please send me a letter to my address on their letter head stating that once I pay this amount they will remove and delete this from my credit report. Please help I would like to soon move into a home and this derogatory mark is preventing me from home ownership. Please CFPB I really need your assistance on this.
I checked my credit report today, XX/XX/2018 and noticed that the XXXX XXXX   account is incorrectly reporting and now the balance owed is different from what I was told via phone. I spoke with XXXX XXXX credit card department on XX/XX/2018 to discuss pay for delete for the delinquent account XXXX. The Credit and Collections representative stated the account will be deleted from all credit reports because the balance was paid in full. I have attached the email receipt from XXXX XXXX for payment.
I am a victim of identity theft and have sent the credit bureaus notices todelete the inaccurate accounts that 's not mine Equifax is reporting.
I used this service many times and had good results. Then one day they cancelled my account, refused to tell me the reason and will not send me my transaction record. I have contacted them many many times and always same answer, that its a secret why they cancelled me.
XX/XX/XXXX statement cycle : XX/XX/XXXX-XX/XX/XXXX, Due date : XX/XX/XXXX, Balance due : {$1100.00} Paid by due date : {$880.00}, Amount I accidentally forgot to pay by the due date : {$240.00} payments regarding this {$240.00} : XX/XX/XXXX Payment 1 {$20.00} XX/XX/XXXX Payment 2 {$200.00} XX/XX/XXXXPayment 3 {$21.00} Interest Charged : {$42.00}!!!!!!!

XX/XX/XXXX statement cycle : XX/XX/XXXX-XX/XX/XXXX Due date : XX/XX/XXXX, Balance due : {$3100.00} Paid by due date : {$3100.00} ( Full balance ) Interest Charged : {$52.00}!!!!!!!

Since I'm an accountant, I have an extended XXXX spreadsheet to prove them wrong. They don't charge their interest on the amount due, but on the whole amount that you used on your credit card! even if its ' paid before the due date ( They calculate the average daily balance which is a wrong method because it includes the transactions you already paid off! ) I talked to two supervisors from Capital One and I have their ID numbers as well.

For the second one I said : So if I have {$10000.00} credit line and I use {$9000.00} of it on one month and pay {$8800.00} of it before the due date, you will charge me on the whole {$9000.00}? and she said : " YES ''.

Then I said, so you charge people for interest on the amount that they already paid, correct?

She said : " YES ''!

This complaint is not only for me, I want to help other people from getting ripped off by this bad business practice.
My Bank of America debit card was stolen in the mail, activated by someone other than myself, and used to withdraw {$1000.00} and accumulate an additional {$8.00} in ATM fees over the course of two days ( XXXX XXXX and XXXX ).
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This was my initial card received and Bank Of America has done nothing to help this fraudulent activity. During the appeal process I asked that Bank of America not send any more personal information to my address, they agreed but then proceeded to mail the information rather than email as I requested. Bank Of America has been completely unhelpful in the situation.
I had to declare bankruptcy 5 years ago. I already had a mortgage with a local bank, but XXXX bought my mortgage, then apparently gave it to their sister company, XXXX ... Every month, XXXX would PLACE insurance on my home. I NEVER had an uninsured home. Now I 'm checking my credit report, and it seems as if my mortgage was under my br, therefore they were being paid double. PLUS ... XXXX it says my balance is XXXX ... and I have still been paying each month ... I have called the XXXX about XXXX last year and now there is a class action lawsuits gains them .... I just want back what is mine, the placed insurance money and the money I have been paying when my loan was actually already paid. Thank you for your help!
I contacted Gulf Coast Collection Bureau ( XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX ) to receive information about a collection amount reported on my credit report that I do not recognize and that is said to be related to attorney fees. After giving the information I found on my credit report to the representative, she could not locate any account or data linked to account # XXXX.
My complaint is with XXXX, XXXX, Equifax. Improper use of my credit report. They are reporting a bk on my report I called the court, and court does not validate or verify that information. That information was pulled from a third party, Therefore its in-accurate and now must be deleted immediately.
I responded to an email I received that appeared to be from a well-known and often shopped store " XXXX XXXX '' to complete a customer satisfaction survey. Thinking I was dealing with XXXX XXXX, I completed the survey. As a reward for completing the survey, " XXXX XXXX '' offered free merchandise. XXXX of the items offered was a colon cleansing product which I picked as my free reward. After completing the page requesting the product, I was asked for my credit card info to pay {$4.00} for shipping and handling. At NO TIME did the offer say anything other than it was a free offer for completing the aforementioned survey. I decided to give my credit card information for the {$4.00} shipping and handling fee as XXXX XXXX is a well known and trusted merchant. As soon as that information was submitted, the web page " disappeared ''. I could not return to the survey page, the free offer page or the credit submission page. There was no information available as to the company that would be shipping the product or any way to contact that company to question or cancel the order. 
The only thing received to date are the unapproved charges ( XXXX separate charges in the amounts of {$44.00}, {$79.00}, {$94.00}, {$85.00} plus {$1.00}, {$2.00} and {$2.00} for " foreign transfer fees '' ) to our credit card. No product was ever received. We filed a claim with Bank of American on the first XXXX charges ( as they were the first to show on our statement ) Bank of America said they would look into the charges, and subsequently dropped them from our statement. On the following statement, XXXX more charged were incurred. When we contacted Bank of America on these charges they once again agreed to look into them but now the response from Bank of America is : " We requested and received a copy of the sale ( s ) slip the merchant provided as verification of the charge ( s ). '' I contacted Bank of America by telephone to explain again that there was never any product shipped and I had only approved a {$4.00} charge for shipping and handling for the " Free Offer '' product. Again, they responded by mail that, after further investigation, they have receipts for XXXX of the charges {$94.00} and {$85.00} and we would be responsible for paying. Now Bank of America is reopening the dispute on the first XXXX charges as well.
XXXX is appearing on my credit file that you maintain under my social. I have contacted XXXX 3 different times certified mail and have yet to get anything to validate this account. How is it possible for to verify this account and they are not validating it with me? This company is reporting inaccurate information and cant provide proof bearing my signature that 'i had any contract with them or any company that they represent. Please remove this from my credit file immediately.
Experian and XXXX are reporting a Chapter XXXX Bankruptcy on my report, I request an investigation because I had not filed for Bankruptcy. XXXX answered back that it was verified, by a 3rd party vendor XXXX. I reached out to them to find they report whats in public records and it is the responsibility of XXXX to match the information to the Social Security number see letter attached. Whats worse is Bankruptcy are not recorded in XXXX XXXX County Public Records. Experian did the same thing allthough they never gave me as requested the name address and phone number of the parties reporting the Chapter XXXX to them. In my last correspondence with XXXX and Experian i sent them a copy of a Bankruptcy search for records form that showed i had not filed Bankruptcy see attached. They just ignored the Bankruptcy Clerks findings and continued to report the Chapter XXXX
. On XX/XX/2016 we spoke to agent XXXX to make requested and future payments to bring account current after a very lengthy dispute. This is my 3RD complaint sending to Nationstar Mortgage for 3 different issues. I find this company negligent and incompetent. My concern is during the phone payment it was clearly understood to use the unapplied funds and additional payment using XXXX checking account. In addition the XXXX and XXXX payment was scheduled during the same phone call. In the past there was a XXXX account use however I made it clearly to not use that account. During the phone transaction the representative ( XXXX ) took the banking information for XXXX and repeated the information however somehow she was negligent and entered the wrong information into the system. The next day we notice a transaction use to the XXXX account and this was not authorized to use this account. Now that account is not in good standing in result of that particular transaction and as of XX/XX/XXXX, the XXXX account has continued to accrue overdraft fees do to this transaction from Nationstar Mortgage. 
On XX/XX/XXXX, we spoke to another representative ( XX/XX/XXXX ) ID # XXXX as quality recorded service. We called in concern of why was this payment applied to the XXXX account. The answer was because she had put the incorrect information in so they just use the account on file. I am totally confused with that. It could have clearly been resolve with a simple phone call to make correction however because of that error my account has been in default for 6 days as of above Date. In addition it was noted that XXXX and XXXX payment was applied to XXXX account I found this extremely odd that the same conversation and the 1st transaction done was incorrectly and the other 2 payments was applied by the requested bank account.
I requested my free annual credit report from the XXXX companies but was able to only access XXXX ( XXXX ) and it was full of incorrect information, appearing as if me and someone else got their credits combined. I called XXXX to dispute the information and they started an investigation. I was unable to get a report from XXXX and Experian because the security questions they asked me to access that information was full of information that I did n't know ( such as addresses in Florida that I never lived at or account numbers from someone else ). It does n't appear that my credit was tampered with or anything stolen but obviously there is a big mix-up. Help!
I had lost my wallet back in XX/XX/XXXX. I called for a replacement card from Citibank. My bill was due and I was locked out of my online account. I could not activate my account until I received the new card ( I was told this by customer service ). A month now goes by, and I still have not received a card. Now I am aware my bill is now passed due. I called customer service again. They again " sent '' out a card. 

As of today, XX/XX/XXXX. I still have not received a new card and am now in collections because I have no way of accessing my account. This is damaging my credit score.  Oddly enough, Citibank easily sent me a collections notice, but no card. This is now 5 months without a credit card!
I am writing to dispute the following information in my file. I recently reviewed my credit report. The credit report shows multiple inquiries i dont recall authorizing. I understand that you shouldnt be allowed to put a inquiry on my report unless i authorize it. Please remove as it is making it hard for me to acquire credit.
XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXXXXXX XXXX  2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017
Hello. Ive recently disputed a account through XXXX that is unfamiliar and does not belong to me. 
The company iS XXXX XXXX in the balance of {$0.00}. Ive asked for them to verify this account and my results came back asverified as accurate They also didnt sent me the documents in their files to verify this account which from my understanding means it legally has to be deleted under the fair credit reporting act, 15 U.S.C 1681i. I ask that you please look into this account and help me by any means. Thank you.
This agency is reporting an account that is unverifiable and very old past the statute of limitations. Several disputes processed and a request to validate directly to this company with never a single response. How is Equifax able to verify when I ca n't and its on my credit file? I want this removed as it is a remark violating my rights.
My capital one account is showing 30 days past due on my account which is incorrect. My most recent payment was on XX/XX/XXXX for the amount of {$65.00}. And the payment isn't due again until XX/XX/XXXX. I have never made a single late payment on this account, and it is showing as closed, past due and decreased my credit score by 113 points.