WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a dispute with you all back on XX/XX/2016, stating that the following accounts were not mine and incorrect. At the conclusion of the investigation, you all claimed to have received documented proof that these accounts belonged to me. When I indicated that they were not, you all instructed me to reach out directly to the creditor to get validation of debt and that I would need to provide that to you all to have it delete from my credit report. I spent an entire week contacting all these creditors to get validation of debts and correct information. I provided all this information over to you all as YOU all requested ; however, you all are still refusing to delete this inaccurate information. You all lied about verifying it as the creditor gave me something be documentation supporting the claim that these accounts were not mine, etc. 

You all are in direct violation of my rights under the FCRA, as you all are refusing to delete this negative and damaging information from my credit report. FCRA states that incorrect and inaccurate information can not be furnished on credit reports. You all are creating a lot of undress stress and hardship, with your lack of regards to my rights as a consumer. You have repeatedly denied my request to delete this incorrect information. You have completely disregard the documentation I provided at your request. 

Attached are the following letters that I faxed over to your team and a copy of my credit report. I am provided all the necessary proof that these items do not belong to me Its very interesting that you all are the only credit bureau still reporting this incorrect information, all the other bureaus deleted after the 1st round as the creditor did not provide proof. The disputes were all opened at the same time. 

Accounts that are inaccurate, incorrect or not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XXXX XXXX, 2015, I learned that my credit card had been compromised via a text message from my bank, USAA. I called the company immediately and I thought I had made all arrangements necessary to have the card formally reported compromised to the card issuer, turned off, and a new one sent to me. A week later, I found out the bank had not turned off the card nor reported it to the card issuer. The representative of the bank stated that this was because our phone call had been cut off near the end of the call, and that the bank 's representatives are forbidden from calling customers back to complete the process, nor will they proceed with the actions being taken. Customers are not informed of this. In my case, this meant I did not know that my account was still vulnerable for a week.
I received several calls yesterday ( both resulted in voice-mail messages ) from someone who said he was " XXXX XXXX '' with Integrated Services yesterday. He said they were XXXX claims/charges for " bounced checks '' associated with my previous/now closed, bank account and that Integrated Services is getting ready to come to my place of business and issue the summons to me. He indicated that he knew this would be very embarrassing and costly to me and that in order for him to not proceed with that action I needed to contact him back immediately to make arrangements to pay him what I " owed ''.
I received a letter from Citibank dated XXXX XXXX, 2016 informing me that they had closed my Citi Prestige credit card ending in XXXX. The account was always in good standing, and payments were promptly made on time. The letter stated no reason as to why the account was closed other than stating that " Pursuant to our Card Agreement, we have the right to close your account at our discretion anytime without prior notice. We have chosen to exercise this right. '' There was no number listed to call and discuss the situation. The only way to contact them was to send a letter to their offices in XXXX XXXX, SD. 

I had accrued over XXXX reward points by directing spending to the card, and held in good faith that I will be able to redeem these points for travel when I needed them. When Citibank closed the account, they forfeited all the points without providing any advance notice or opportunity for me to redeem them. A letter sent to their Executive office did not result in a satisfactory outcome. They refused to reinstate the points, and were unwilling to provide any monetary relief. The practice of Citibank enticing customers to use their credit card with promises to reward them, and then unilaterally deciding to forfeit all rewards without notice seems to be a clear case of deceptive misleading advertising, and bait & switch. 

Citibank has not been forthcoming to offer any explanation on whether I had violated any terms of the agreement or caused any material loss to the bank. Under such circumstances, I am entitled to those rewards ( or equivalent monetary compensation ) as were promised when the account was opened.
i have recently checked my credit file and discovered that this company is reporting that I owe the a debt. To my knowledge this company has never provided me any services nor goods
Bank of America sold a loan in which I was in dispute as illegal. While I was waiting for BOA to verify that my home loan with them was not legal they sold a XXXX loan to XXXX Mortgage, XXXX. I am seeking an answer to my quest. In XXXX I purchased a home under the first time buyers XXXX program. In XXXX I filed for a Modification with BOA for refinanced loan in XXXX, after refiling for this MOD in XXXX, I discovered that the loan was not legal so I requested a QWR from BOA in XXXX XXXX. After a year of haggling on today XXXX XXXX I finally got the complete package. I also in XXXX of this year sent a copy of the pages of the original Deed which shows that this is not a legal loan as of today BOA has not responded or addressed this issue. I am seeking closure to this matter! 
I explained to BOA that I also had a second with XXXX XXXX XXXX XXXX which was illegal. After my sending XXXX the portions of the deed which outlined the restrictions on the deeded property they gave me a Lien Release. I am seeking the same results from BOA and the acknowledgement that they sold my loan while we were in dispute. I need BOA to relay their findings to me and CMS.
NOTE : I am submitting the news release " tip '' info going to major media sources today. Citibank is still cheating credit card holders, now with their " Deals ''. 

News Release : After reading about Citibank 's XXXX XXXX " largest ever '' fine by CFPB today, it seems the abuse has not ended. I am a victim today of the Citibank " points '' deals. I booked XXXX rooms in XXXX Arizona on XXXX/XXXX/15 and had to use my Citibank credit card. 

The charges were {$100.00} and XXXX. Then, I did everything I was told to do when I checked. I showed my XXXX reservation slips and reservation numbers to the merchant motel office employee upon check in on XX/XX/XXXX. 

Upon checkout on XX/XX/XXXX he again charged {$91.00} and {$94.00} for the XXXX rooms, using as instructed the Citibank CC upon check in. The total charges are amounting to XXXX charges for {$400.00} for XXXX meager motel rooms for just one night. 

Since the motel exposed their " true '' pricing with the lower figures, the Citibank " Deal '' is no deal, just a rip off. On top of that, they refuse to reverse or refund on the higher charges. 

Also, their online software allowed XXXX dispute but will not take the XXXX dispute on the higher amount. Also, the one that allowed said it was issuing a temporary credit. But in 24 hours, no such credit was applied to the online balance. 

Let America know about Citibank " Deals ''. They are " No Deal '' as I have found out. How many more get abused each day by them?
Child support back pay reported as dilequent and not paid. I have been paying on my back pay child support since the parenting plan signed XX/XX/2017. I owed {$4300.00}, Ive paid {$100.00} a month per papers and it is reported I haven't paid and deliquent. I need the information corrected and reported on time payment.
I suspect FirstBank of Colorado uses deceptive account balance alerts to generate overdraft fees form consumers. 

On XX/XX/2018 I received an alert notifying me that my account balance was {$60.00}. In fact, the balance at the time the alert was sent was {$37.00}. Had the bank accurately reflected my account, I would have immediately moved money over from one of my other 4 accounts and avoided an overdraft charge. The bank has refused to acknowledge its error and refund the overdraft fee. Rather, it stated that it is not responsible for inaccurate information sent in account alerts. I suspect this is by design to churn overdraft fees. 

The bank also sometimes fails to send notices as promised. Sometime before XX/XX/2018 my account dropped below {$100.00}, but the bank failed to send me the account balance alert that I had contracted for. Again, I would and could have transferred money from one of my other four accounts had I received the notice the bank had contracted to send. The bank disclaimed any responsibility and refused to refund the late fee.
Hello, On XX/XX/XXXX, I signed up for monthly credit report monitoring through Privacy guard. I tried to pull my credit report file through the 3 credit bureau 's and Equifax came back with an error. I contacted XXXX XXXX and they informed me that the system was reporting an error when trying to pull my Equifax report. They told me to contact Equifax and ask for a credit information verification. I have contacted Equifax twice today on XX/XX/XXXX, attempting to verify my credit information IE : name social security number and address. They informed me that I have no credit file and to contact every single account I have and ask them to send all of my credit information to them. I had my credit pulled for a loan on XX/XX/XXXX, and it was reported by Equifax. I was part of the Office Of Personnel management hack and was given the 15 years of credit monitoring. On that website for the XXXX XXXX  it shows that report pulled from Equifax and yet XXXX from Equifax tells me I have no file. They have told me also to send them mail with my SSN card, drivers license with current address and a utility bill to verify my credit identity. How can my credit file exsist one day and in 3 days just disappear?
Several of my federal student loans are being serviced by Navient. I currently live in XXXX XXXX and as a result of the severe fires in XXXX, Navient decided to put my account of disaster forbearance without my permission or my request to do so. When I spoke with a representative about who authorized this I was told they do not need any authorization for disaster forbearance. I am still responsible for any interest on the account during this month 's forbearance. When asked whether I could withdraw the forbearance, Navient 's representative told me it was not a possibility. There are 10 million people in this county and only a small percentage were affected by the wild fires. I understand " President '' Trump has neutered your office and thus this is mostly cathartic.
I signed up with XXXX XXXX XXXX in XX/XX/XXXX. My payments have always been automatically withdrawn from my account. However, in XX/XX/XXXX I noticed the payments stopped coming out. I tried to contact the company and found that the number wasn't in service. Then I found out that Navient reported to XXXX XXXX that I was delinquent on payments. I was never contact by anyone from either company. After researching with XXXX XXXX I learned that is because XXXX XXXX XXXX changed my contact information to their company in XXXX, TX. I am still researching the multiple TX addresses listed on my credit report. Navient then turned over the loan to the US Department of Education for non-payment. I have now set up a payment plan with them, but the negative affect to my credit has lowered my score to XXXX. My loans also went from {$35000.00} to {$42000.00}. They took advantage of the fact that I have been in survival mode for years. Between losing a job, dealing with my daughter 's father 's XXXX, then his death ... I had to declare bankruptcy, just barely making it yet still paying what I thought was a legitimate company. Come to find out they have taken money, raised my debt, and further destroyed my credit. As I started research I learned that XXXX XXXX XXXX is being sued and investigated as is Navient. I don't know where to go from here.
I cancelled my service with XXXX XXXX XXXX because I was moving, and had my internet, phone services bundled with another company. Payment to XXXX prior to cancellation was through bank drafts. XXXX continued to draft after cancellation. The bank told me the only way to get my money back from the draft was to file a fraud report with them, which I did. The bank repaid the money taken out of my account. 

XXXX continued to try to collect. I wrote a letter after threats from them. XXXX sold the account to some other collection agency, who called constantly to collect, even offering to reduce the amount I owed. Wrote letters to that collection agency. Another company continued to call for a while, each time I explained the circumstances. 

However I see there is a {$50.00} unpaid amount on my credit report from some collection agency. 

Also, the lien from XXXX County was placed in error, and has since been removed. 

I have never lived in XXXX, N.C. Rental property of my father 's, and I had utilities activated in my name for repairs to sell.
Barclay arrival XXXX card cancelled card with no reason and took over XXXX XXXX points ... 

Is this legal?
They continue to call from multiple numbers. Upon research, it seems to be Portfolio Recovery, which multiple times has been reported as a scam. If I block one number, they call from another one. Never leave a message.
I became unemployed XX/XX/XXXX. After the XXXX withdraw, I contacted Navient. Navient stated they did not receive all of my information. I resent it to them. They state and show I am supposed to have no payments due online when I log into my account. However they still withdraw from my account. They have had my unemployment information for 1-2 months now and it is visible in the documents section. It has been withdrawn on XXXX and the next is due XXXX in the amount of {$83.00}. The stated when I resent the information that the XXXX payment might still be taken. Payments appear to post to Navient about 2 days after it is withdrawn from my account. There is no way for me to disable the auto-pay either from the Navient site and there are charges though my bank. A similar instance occurred in XXXX and I had to call and demand a refund over multiple days and finally got it through a manager when they continued withdrawing anyway. My account was overdrawn then and has been this year.
They charged me 643.01 % to pay this loan off, this is very upsetting to me .. When I talk to theses people back in XXXX, the lady told me just look over the loan, and then sign .. I am very confused and angry about this ... Thank you for your help ..
Invoice Date X/XX/17 {$130.00} Collection Firm : Tate & Kirlin Associates, Inc I just received a bill in the mail from Tate & Kirlin Associates, Inc. I have no idea what this is for. I do n't owe anything like this at all. I feel like it is a scam.
Financed a truck the sales contract was never given to me by finance company was not the original contract and trade listed was never traded in it was fraudulent sales contract and trade in vehicle was sold unregistered in the state of California
Equifax is showing an account as open when it was paid and it should be marked as closed. They also have a ridiculous security question It is when was the last time you asked for a credit report or when was the last time you filed a dispute with equifax. So i was forced to mail them a letter even though i answered all the other questions correctly and they clearly knew i am who i say i am.so i was forced to put my identity at risk by mailing them a copy of my drivers license and social security number through the mail because i simply didnt know the last time i filed a dispute with them. Anyway i want the account on my credit report to be marked closed as it has been paid or i would like it deleted.
I was denied renewal of a credit card due to " an adverse account '' as reported by TransUnion. The unpaid account is an electric bill in XXXX. I have lived in XXXX all of my life and could not have incurred an electric bill in XXXX. I have disputed this info twice with TransUnion and they continue to send me this same report.
XXXX/XXXX/15 Medical visit should have been covered by insurance. After months of failed attempts to get doctors office to refile insurance claim, I decided to pay the bill. Check cleared my bank on XXXX/XXXX/2015 & they have now sent this debt over to XXXX Collections. XXXX advised I go back to medical provider ( the same ones who have done ABSOLUTELY nothing to assist me ) in regards to debt, even though the collections letter states to call the XXXX number if there is a dispute in validity. I offered to fax/email and requested info, & XXXX with XXXX would not accept & was of no assistance. I have now called & left a message with XXXX XXXX XXXX billing XXXX & left message complaining of this collection action & requesting contact with supervisor ; awaiting reply. I expect no help from this company in regards to resolution so I wanted to go ahead & start complaint process against the medical provider & the collections co.
I took out a personnel loan using my car as collateral. Well for I while I was making payments pretty much on time with once in a while being late. Which is technically my fault. Then I started making payments again on time. Well then in last few months a had some finical problems come up, car breaking down, getting sick and being out of work. I informed XXXX of this and told her ( Manager ) that I was doing a mortgage on my home and was gon na pay them as soon as all that was taken care of. The manager of XXXX XXXX keep calling and kept calling sometimes five or six times a day. It got so bad that I refused to take any more calls. That I understand, but when you tell them that you waiting on your closing date and that when that happens they will get their payoff, the phone calls should not be coming in at five to six times a day. The last payoff I got one of the clerks in the office said that if payment was not received by the end of this month legal actions will be taken. This happened on the XXXX of XX/XX/2018. Well this past Monday there was a legal document brought to me by a neighbor who said it was dropped off at their house by mistake. I called XXXX XXXX and told XXXX whom works there that they will receive the check for pay off Monday XXXX XX/XX/2018. I asked who delivers the court papers and XXXX said that they have a third party that delivers it. My concern is that my personal information was on this form and what right do they have to give papers to someone and they aren't even checking too make sure that person is the right person. I don't care about the phone calls but to leave court papers with someone other than me is beyond me. I know that all this could have been avoided had I paid my payments.
XXXX XXXX has been calling me at work over a debt of taxes from Indiana Department of Revenue. XXXX XXXX has been paid in full. This week XXXX XXXX put a levy on my bank account with XXXX fraudulently. 

XXXX XXXX is nothing but fraud. All the payments that they collected from the State of Indiana has never been transmitted to Indiana at all. XXXX XXXX obviously kept the money for themselves. I have proof from the bank that all funds were transmitted to them. I have shown them. Plus XXXX XXXX was licensed in Arizona in XXXX ; they debt goes back 15 years in XXXX therefore they don't have the license to collect the debt either.
Wells Fargo had been calling us repeatedly, sending us threatening letters, etc., stating that we were delinquent in our payments. This started around XX/XX/XXXX-XX/XX/XXXX. We went into a branch in XXXX, VA in XX/XX/XXXX, and proved we made every payment. We thought the issue was taken care of. We spent 3 hrs in a branch going over every payment. All late fees were waived and we thought the issue was taken care of. It started back up again. We went back in XX/XX/XXXX, to face the same story. Our bank, XXXX XXXX XXXX XXXX has a record of every payment going out electronically and on time. They also show and have confirmation that Wells Fargo received every payment. However, Wells Fargo only show part of the payment. Where's our payment/money going? In the meantime, we keep getting threatening letters, late fees assessed, credit bureaus are being notified ( I believe ) which affects our credit. We even paid money over the phone for late fees that Wells Fargo insisted we owed! This has been a nightmare for 2 years now. Wells Fargo now keeps sending us letters pushing the 'we 're working on the issue and we'll get back to you ' date back. In the meantime, we're still making payments and have NOT missed any! Is someone stealing our money? They've threatened to foreclose on us. Please help!
We 've been clients for many years to this PNC branch on XXXX XXXX, Florida and are well know by previous manager and most of the employees. We were always solicited by the staff to get a car loan because we were telling them about our intention to purchase a car. After deciding to go forward with them, most of the employees are now different and new. They sent the application and we received a denied letter from them with absolutely no details on the letter to explain why. After calling the branch, they do n't want to tell us why they denied us even if credit bureau is over 730 and our financial profile is XXXX with no debt, good incomes and good equity. They are now saying that thins has now changed and that they ca n't talk for previous staff.
this is in regards to Equifax 's data leak from their web application reported by XXXX on XXXX XXXX 2017, and that you were listed as a potential victim
I received a phone call from Ameritech back in XX/XX/2017. I was told if I paid {$82.00} a month for the next 10 years, my loan would be forgiven. The money started being electronically taken out of my checking account under the name XXXX on XX/XX/2017 for {$74.00} and then {$82.00} each month after. They continued to call me and ask for a copy of my tax returns and my signature which I did not give them. The money was still being taken out of my account I thought it was paying my student loan. when I was notified from the XXXX XXXX XXXX about a lawsuit and the money did not go to my student loans, I called Ameritech to opt out and ask for a full refund. They refused to give me the full refund and said they could only give me {$200.00}.
I have an extended fraud alert on my credit file as I 've been the repeated victim of identity theft since XX/XX/2016. Despite this fraud alert an individual at Bank of the West was trying to secure an auto loan for a XXXX Chevrolet Corvette from XXXX ( XXXX XXXX XXXX XXXX , XXXX, IL XXXX # XXXX ) and did a hard pull on my credit report on XX/XX/2016. As is standard when authorizing a hard pull on an individual with a fraud alert, the individual at Bank of the West should have made outbound calls only to verify my identity and proceed with the pull, but instead either accepted an inbound call or did a pull without my authorization speaking with the criminal using my identity. This violates the fraud alert and compromises my identity and safety even further. This employee of Bank at the West acted negligently and Bank of the West needs to immediately work with XXXX and have this inquiry on my credit removed. I 've filed an additional police report with local law enforcement an reached out to the XXXX Police Department two times now.