WillisBack/dataset-financial-user-claim huggingface dataset:
EQUIFAX consistently fails to list my XXXX and XXXX XXXX XXXX XXXX XXXX XXXX credit account onto my EQUIFAX credit report. EQUIFAX non compliance with the creditor lowers my credit score. I have reapetedly contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX card program to complain about this and the Creditor has assured me that they have consistently reported my XXXX XXXX XXXX XXXX XXXX XXXX XXXX card credit account to EQUIFAX. EQUIFAX has failed to comply with the creditors request. I plea for immediate relief from EQUIFAX illegal unfair pattern and practice.
On XXXX XXXX, 2016, I sent by certified mail/return receipt requested a request for information of the identity, address and other relevant contact information about the owner of my mortgage loan. The certified main was delivered to M & T Bank on XXXX XXXX, 2016. M & T Bank acknowledged receipt of my information request on XXXX XXXX, 2016. I have not received a response to my XXXX XXXX, 2016 request for information.
Borrowed {$240000.00} to consolidate credit cards and mortgage loan ( # 1- {$220000.00} XXXX XXXX pay off # 2- {$12000.00} XXXX XXXX pay off and # 3- {$6700.00} XXXX card pay off. 
First American Title payed {$6000.00} or {$680.00} short for the XXXX card by mistake.
I have several fraud accounts that have popped up on my credit report. I have been the victim of on going ID Theft for some time now. I have sent Experian police reports aswell as other supporting documents. The following accounts are fraud and do not belong to me. Please removed and or block the following due to fraud! Thank You 1. XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 4. Inquiry XXXX XX/XX/XXXX 5.
This complaint is a response to Experian 's response to my original complaint. Complaint ID : XXXX Experian stated it was accurate as reported, however did n't explain how it was verified, which is what the original complaint was for. 

What steps did you take to verify the XXXX XXXX ( XXXX ) account on my credit report? 

What did the company present to you as proof of verification? 

I do n't recognize this account, and according to the Fair Credit Reporting Act, I am entitled to a copy of the original contract, which I have not received. To go further, Experian is no longer showing a balance on the XXXX XXXX account and I have n't even made a payment towards XXXX XXXX. This istem needs to be removed because they do n't even know what they 're doing anymore and its hurting my credit report.
I attended XXXX Colleges in XXXX and utilized their student loan services. I called the lending institution to put my loan into a deferement as I 'm still in student status, albiet at a different college, and I was informed that there was no such option. The statement clearly says " XXXX Colleges XXXX '' on it, but when you call the customer service number the phone is answered with " Patient Billing Services ''. It appears that XXXX treats their student loans as patient bills and there is no way for me to defer the loan or to lower the interest rate.
This is concerning XXXX Credit reporting. I have sent them letters as my attorney did and they refuse to correct my credit history/report. 
XXXX XXXX XXXX is breaking PA law : Pennsylvania Motor Vehicle Financial Responsibility Law, 75 PA C.S. 1797 ( b ) ( 7 ). and refuse to remove this fraudulent reporting by this company.

XXXX was a stolen gas card.Purchases were made in CA and I reside in PA. XXXX called me  to inform me of the fraud and told me they would close the card as they did and I agreed. Transunion & XXXX refuse to remove from my credit history after they been shown the information as FRAUD
I received notification from Bank of America that my mortgage was increasing over {$400.00} per month due to the program Countrywide placed me and my ex husband on 10 years ago. When I inquired on options they placed me with the loss department advised me to contact bk and or foreclosure attorney and suggested a short sale. I have never been late on my payments and they are saying I need to proof a hardship. They are also stating they will not proceed with my request until my ex husband quit claims the property over to me first even though we have a divorce decree and I was awarded my home in 2008. When I asked why they can not record the deed at closing they stated investor guidelines require the quit claim first.
I 'VE CONTACTED TRANSUNION SEVERAL TIMES BEFORE CONCERNING THIS MATTER AND IT HAS YET TO BE RECONCILED. ALL I WANT IS FOR TRANSUNION TO FOLLOW THE LAW OF THE FCRA SEC 611 ( 5 ) ( A ) AND REMOVE THIS ACCOUNT OR SEND THE DOCUMENTS THEY USED TO VERIFY THIS ITEM.
My Coinbase.com account was locked with no explanation. 

When I try to log in to Coinbase, I get the message " Sorry, account temporarily disabled.  Please contact support. '' I am filing this complaint after opening a customer service ticket ( I can provide the ticket number if needed ) with them and no action from them regarding the situation. I 'm not sure of the exact amount of money I have in Coinbase since the value of the cryptocurrency fluctuates and I check the amount in Coinbase, but it is approximately {$1200.00}. 

My acct was disabled on or around XXXX XXXX 2017.
Check fraud/misappropiated funds : Wells Fargo bank deposited a check we wrote to a different company or person than listed on check. Seeking reimbursement for misappropriated funds. 

Date of check XX/XX/XXXX amount : {$1200.00} date redeemed : XX/XX/XXXX Have not been reimbursed for Wells Fargo mistake. I called Wells Fargo after it was processed after being contacted by the intended recipient about the missing payment they were expecting. Wells Fargo confirmed that the account funds were deposited to was not the same as written on the check, but would not tell me the account holder name nor would not process a reimbursement. Wells Fargo told me that I needed to go through our bank to process a request for for reimbursement for this check that was deposited to their account holders account in error. 

I started a claim through our bank on XX/XX/XXXX. I provided the required paperwork with a signed statement from payee confirming they did not receive the check or receive the funds. Our bank submitted the claim to Wells Fargo on XX/XX/XXXX. They advised me it could take 90 business days. I had followed up with them several times over the past few months inquiring about the claim status. each time they said there was not response, although there was a response of receipt of claim initially. 

Finally on XX/XX/XXXX received a letter from our bank saying that Wells Fargo has not responded to any of their multiple attempts regarding my claim and thus have closed the case. It has been 6 months since filing this claim and it has not been resolved, nor has Wells Fargo responded.
I made a purchase on XX/XX/XXXX for a subscription of one-month access to the online question bank from XXXX XXXX ( XXXX ) for an upcoming test. The charge was {$190.00}. The question bank they had was no way even close to the actual test I took. It was a scam and other people who used them complained about the same issue online. I submitted a dispute with my credit card company but the credit card company said that I didn't follow the merchant 's refund guideline so the merchant can not be contacted regarding this matter, after I submitted all the paperwork required for dispute ( submitted late but phoned the credit card to explain why I was late and got the reply as above ). The merchant 's refund guideline was either you never started using their question bank or you finished the 2000 questions they have in their question bank AND still could not pass the test. I passed the test eventually. The whole test cost {$1000.00}. therefore, there was no way that I could have finished the 2000 questions before my test date. Because I clearly knew, after the first 100 questions, there was no point continuing using those questions because they were in no way similar to the actual test. It would be a waste of my time to do any more of those. 

I filed a complaint with cfpb on XX/XX/XXXX. Fidelity responded by a letter stating that they had sent me the paperwork to fill in XXXX but I was late submitting my paperwork. I was indeed late by about 2 weeks. But after submitting the paperwork, I phoned Fidelity and explained why I was late. Another thing they mentioned was that I didn't contact the merchant to cancel. The merchant website DOES NOT have a phone number on it for me to cancel via phone. So fidelity gave me a phone number to call after they reviewed my complaint from CFPB. But, I still could not find anyone to speak with on the phone. I left the merchant a VM. Also I phoned fidelity 's rep XXXX back and left her a VM telling her that I could not find anyone from the merchant to cancel this subscription with. Without any response, Fidelity closed my case. 

They didn't even try to resolve my issue. They must have brushed it off irresponsibly. This website is a SCAM and they are not doing their part as a credit card company to protect consumers.
I refinanced my FHA mortgage into a conventional mortgage in 2015 and the closing was delayed from late XXXX to the first few days of XXXX. My FHA mortgage company Wells Fargo charged me a full non-prorated month of interest for XXXX although the payoff reached them by the XXXX of XXXX. My new mortgage company XXXX Bank did not inform me of this either. I wound up paying a full month of interest over {$1000.00} to XXXX different mortgage companies for the same month. This is absolutely not fair.
In 2013, We went through months sending and re sending documents to " XXXX XXXX XXXX ''. For a modification, Harp or other wise. In the end XXXX XXXX XXXX kept our 6 % interest rate and changed us to a XXXX YEAR LOAN ... Not changing our payment enough, but makes nag them a lot more money. 
Right after that they sold our loan to Nationstar mortgage ... 

We 've checked on XXXX but though they claim to be able to get us a lower rate ... it will add XXXX dollars in fees back to the loan
This is a XXXX action which the sent to jefferson capital i have literally been asking for verifaction of this bill i have never seen a bill i went to XXXX in XXXX az with id and was told the would not verify.i cant get them to send me nothing on this
I am requesting validation { not verification } of an item reported on my consumer credit report. Please provide me the following information. I have included the  last four of m y social and current address to avoid any delay this account.
I had to file for bankruptcy due to a serious medical illness which left me XXXX, I do not have an attorney because I could not afford one ( 'XXXX XXXX ' ). Since XXXX XXXX I have been attempting to get a re-affirmation agreement from XXXX XXXX XXXX. The bankruptcy judge gave me an extension until XXXX before my discharge would be applied. 
Every time I call XXXX they give me the run around about why the re-affirmation agreement has not been issued. I have called every week since XXXX XXXX, XXXX. I was told it would be mailed out on XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and the XXXX, then the excuse was we can not get the screen shot to send out the re-affirmation agreement. Every week it is a different excuse, we are under staffed in the bankruptcy department. I have heard it all. Now time is of the essences, I have a date for the final discharge on XXXX of my bankruptcy and I still do n't have the re-affirmation agreement for my mortgage. 
Then, I called XXXX XXXX XXXX  attorney XXXX XXXX XXXX, and spoke with their attorney XXXX XXXX below is their contact information ) : XXXXXXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX explained to me that she had prepared the re-affirmation agreement on XXXX XXXX and she had not received it back from XXXX as of yet. She would contact them to find out what the problem is. This was on XXXX @ XXXX pm when I first spoke to XXXX. I spoke to attorney XXXX on XXXX at XXXX am and she stated she still had not received the re-affirmation agreement and she was going to call XXXX and find out what the problem is. She did call me back and was told the bankruptcy department is behind about 6 days, due to being under staffed. 
Moving forward to XXXX, I have still not received the re-affirmation agreement from XXXX. I have been doing my due diligence for over 90 days trying to get this unprofessional mortgage company to provide me with this re-affirmation agreement. They are attempting to force me to obtain an attorney to handle this matter, when they know financially I do n't have the resources to pay for one. 
This mortgage company should have to follow the bankruptcy rules and regulations, which they are not complying with. I need your help in dealing with XXXX.
On XX/XX/2017 I took a loan from XXXX. I have since paid back the loan, but also paid back an extremely high interest rate when paying back the short term loan. 


I have come to find out they charge an illegal interest rate of over 700 %. I have paid back beyond the principal and still continue to make payments that only satisfy an outrageous interest rate and other fees. I am struggling to make ends meet because of payday loans such as this one.
Accounts have been separated multiple times, i am a twin and my social security number and name keeps getting merged with my twin sibling whos name is very similar to mine, our social security numbers are very close as well. I can not access anything and the credit reporting agencies think i do not exist.
Same behavior exhibited by XXXX/Navient as decribed in this articleXXXXStarted repaying a {$14000.00} student loan four years ago with additional monthly amounts labelled to reduce principal outstanding. The additional amounts were always posted to future interest payments so today the principal balance is {$12000.00}. XXXXNavient harasses constantly for advance payment of monthly amount due and NEVER applies additional principal payments to the principal. This is a huge rip off and is not like other responsible student loan processors.
On XX/XX/XXXX, I successfully wired {$12000.00} USD to Coinbase. Today is XX/XX/XXXX and they have yet to credit my account or return the money.
We have two different problems. 
The first problem is that our mortgage company changed hands in the beginning of us dealing with losing our home in Hurricane Irma. Because our old mortgage company had already put us in forebearance for XXXX, XXXX and XXXX our new mortgage company accepted those terms. We would like to pay our account up to date but despite numerous phone calls to them asking them to remove fees on our account that are bogus so we can pay up to date they have done nothing. On XXXX XXXX? our account is charged 10 times each a fee of {$1.00} and {$9.00}. When you click on details for this fee there are none. No one knows what those fees are for. We are not supposed to be charged any fees while going through forebearance and refuse to pay our account up to date until our account is fixed. 

The second problem is that our new mortgage company was sent checks from our insurance company for repairs to our home. They were overpaid by over {$13000.00}. By law they are supposed to send that overage to me. I was told this by a person in Loss Draft handling our account, our insurance company says they have cashed the check but 3 weeks later they still owe us {$7500.00} acknowledging that in a phone call but having no reason as to why they havent sent it even though I was told it would be sent by XXXX XXXX immediately. Also their insurance claim website says that we are supposed to receive 25 % of our check to help start repairs which is around {$12000.00} and so far have only received a little over {$2000.00}. We had an inspection where the inspector verified that at least 75 % of our work has been done and the inspection was approved but we still have not received funds to pay our builders, etc. I have been having to put these charges on my credit card and cant keep doing this. Something illegal is going on in this company with them keeping our money. 

On the mortgage side no one bothers to fix our account so we can get it up to date so I dont know if they are trying to do something illegal and maybe get a hold of our house since we only owe {$47000.00} for it and it 's worth {$370000.00}. I 'm not sure if this company is on the up and up. We went through damage with Hurricane Mathew too and got the best customer service from XXXX XXXX and have no idea why I mortgage changed hands unfortunately to a very bad company and possibly illegal and dishonest company. I have contacted an attorney who first told me to file with you.
In XX/XX/2016 I contacted ChexSystems to inform them of the ongoing ID theft situation, of my name change, and of a new negative report by XXXX XXXX XXXX XXXX was reporting. ChexSystems informed me that I needed to file yet another NEW police report for ID theft although they were already in possession of a verified and valid one. Nevertheless, a police report was provided to them. I phoned and spoke to a manager who informed me that the dates listed on the police report were too broad and thus required modification to specifically list XXXX XXXX XXXX XXXX individually. The police report was modified at her request and forwarded to ChexSystems via a fax number that the manager had provided and also by US Postal Mail. In XX/XX/2016, ChexSystems informed me that they 'd honored my police report, conducted their own internal investigation and permanently blocked the XXXX XXXX account from reporting. However, I have recently decided to switch banks and have been made aware that ChexSystems is till reporting the XXXX XXXX. My current financial institution has further informed me that they have a subscription that has verified that ChexSystems never deleted the item, but it has been consistently reporting and that'swhy my banking services have been limited with them this entire time. I contacted ChexSystems and they now claim to have no record of any supplemental or modified police report being supplied to them. However, I have located the letter they sent me where they verified that they had indeed received it and deleted XXXX XXXX. I have been a victim of ID theft for several arduous years. ChexSystems is well versed on this issue. They are violating the FCRA by allowing verified fraud to be included on my report when they have vigorously verified its invalidity. At no time has ChexSystems ever notified me that they 'd either elected not to delete or had re-reported the fraudulent account. ChexSystems is required by law to permanently block and delete the XXXX listing immediately.
I went on line recently with USBank so that I could view my statements. I have never reviewed my statements in the past. I noticed there was an auto withdraw monthly of approximately {$50.00} for auto payment to reserve line. When I asked for explanation at the branch, I was told that it was a charge for insufficient funds. They researched back for 7 years and were unable to demo- strate what generated the original charge. they showed no bounced checks in 7 years. When I asked for proof of this occurance, I was told that they did not have to provide this proof of burden. I wanted to know what my recourse is. I want to know when this infraction occurred. If they are unable to prove the infraction is there a way that I can re-coupe the payments that I have made in the last 7 years? They also say that I still have a balance of approximately {$1800.00}. They can not tell me when or in what amount there was a bounced check - how do I know that it was not a bank error. 
I opened the account in 2006 and at that time there was a reserve line opened which I obviously did not understand how that overdraft protection worked. 
I just want to know if they are obligated to demonstrate what generated the original charge and if so and they are unable to do so, what do I have to do to pursue re-imbursement?
Good day. I sent XXXX XXXX XXXX a debt validation letter requesting validation of the debt, and give them notice that the debt was not mind. They failed to respond back to my three requests for validation. NOW XXXX is reporting this on my credit files without giving me any notice of the alleged debt. I received 8 phone calls this week from XXXX, threating me of taking legal action.
I have come to my last resort as I do not know what else to do. My ID was compromised a few years ago and I have tried numerous times to get USAA to remove the mark from my file regarding a JOINT CREDIT CARD account under my name that is housed in their collections department. I have repeatedly sent letters and or reports to the agency and to a collections department to a " XXXX '' who would not give me the last name. 

I have never signed up for a joint credit card with usaa and i know that my information has been used against me. I have had a stellar relationship with usaa bank and would really hope to continue this relationship as i have several accounts with the same company. However, I am asking that USAA will remove this account and remove any flags that are on my account as a result of an uncollected debt on the account XXXX. 

USAA intially removed this account from my file, but never notified me per the FCRA that this account would be reinserted at all and as to why. 

I never agreed to be a joint signer on this account. I didn't even know that it is possible to do so. My ID and pertaining info was compromised a long time ago and I am asking USAA to look at my documents and my stellar account history and remove this debt as this is not mine and was used by someone else against my will.
I am writing regarding the unscrupulous and horribly corrupt methods of Discover Card Financial Services located in XXXX XXXX XXXX Utah. 

I had purchased a microwave from XXXX using my Discover Card, and I had the microwave installed in my home. I subsequently discovered that the microwave may have been a used unit as there was no warranty card or owner 's manual. 

Since I was dissatisfied and very unhappy with the microwave unit, I informed XXXX I was going to return it. They agreed to take the microwave back and I returned the unit on XX/XX/XXXX, and it was on that date XXXX removed the unit from my home. XXXX refuses to acknowledge my return and authorize the refund of the {$640.00} which includes the cost of the microwave and the installation. 

But it is Discover Card that is causing me terrible distress in my dispute against XXXX. Discover Financial Services/Billing & Disputes Department continues to give me " temporary credits '' only to reverse them back to my card. This is despite the fact that I have a signed receipt with a signature proving XXXX installers came to my home and picked up the unit. I have sent proof of return twice to Discover, and I have spoken to countless representatives. I have documented everything in chronological order with detailed information regarding this dispute. Discover Billing and Disputes refuses to cooperate and give me a permanent refund. 

As it stands now, I have no microwave. XXXX stole my money, and Discover Card is playing hardball against me by refusing to give me the permanent credit. 

I have a letter which documents everything, along with everyone I 've spoken with and every date. 

I am request that your office intercede with Discover Card Financial Services forcing them to give me a refund. 

I am devastated over this. Discover Card is protecting XXXX. Please help me in this matter. 

Thank you for your assistance.
I paid the agreed settlement amount on XXXX XXXX, 2015. I contacted the company and asked for a letter stating the account was paid and closed. The letter I received still states i have a balance with the company and the supervisor ( XXXX XXXX ) I spoke with stated that XXXX sends these letters out this way and I would not receive anything else other than this even though I don not owe a balance.