WillisBack/dataset-financial-user-claim huggingface dataset:
Im not able to open an account due to a check I had no idea about. I was young and not thinking about why I would receive a check in the mail. I placed the check in my account and I waited three days like the teller told me before I could remove any funds. After three days I went to the bank to find out that the account was onhold/closed due to a fake check. Ive been trying to resolve this problem for the longest time. I had to cancel my direct deposit and wait for the money that was in the account already to be released to me by check in mail. I currently have a prepaid card that Ive been using since then. Im working on building my credit and hopefully will be buying a house. I cant do any of this if this matter is not resolved. I ask that it be removed off my credit and that I have a second chance. I call XXXX and had the report mailed to me so that I could find out why I cant get an account in my name. I filed bankruptcy in XXXX 2012 it was discharged in XXXX 2012. I believe this was included as well
i have tried several times to talk to them. They have refused to supply me with the social security used.i have sent a dispute letter and they say they didnt get it but refuse to send me another one. All my credit cards and loans are paid on time and i am not late on one of them. Please help me this company is ruining my company.
I deposited a check with mobile phone feacture for a payment check received for my XXXX daughter to my Wellsfargo. Money posted to my account and I tranfered the money to my XXXX 's account. The check turned out to be flaudurent and both our accounts were immediately frozen for all activities pending to be closed in 10 business days. I was not alerted about this action until when I tried to post an online transaction and could not therefore I called the customer service. I went to one of Wellsfargo branch, gave the copy of the check and I opened a police case. I have been a customer with the bank for over 22 years with no issues, and when they froze my account, all bill payments scheduled were not sent although I had positive balance. When Wellsfargo processed return check transaction, a return check fee was posted aganist my account. Also they posted an overdraft charge fee since my current balance did not cover the returned check vallue. I called Wellsfargo and requested them to move the funds from my XXXX account since that account had the money for the posted check and also to remove the overdraft charge but to no avail. Both my and my daugher accounts were closed with no consideration at all especially after being a customer with them for over 22 years and since I was a victim of flaud myself. Wellsfargo sanded me with transactions fees over {$50.00} dollars, my accounts are now closed and I am waiting for the check for the account balance. Their customer service was horrible and the last agent I spoke to hangup on me. I feel violated both by Wellsfargo and the papetrators of the fraud. Wellsfargo should evaluate each case by facts and not have a one policy for all.
I switched cable companies end of XX/XX/XXXX due to XXXX not being able to accommodate my situation and provide a better package deal. I explained that my husband had recently lost his job and I needed to find a lesser package deal. I had XXXX ( showing as XXXX XXXX ) for 5 or 6 years and never missed a payment! I would have received a bill in XX/XX/XXXX and they sent me to collections in XX/XX/XXXX. How? That is unfair. I did not receive proper notice that I was being sent to collections! They didnt even give me ample time to pay the bill! They were unfair due to me switching companies. I feel that was their agenda. Its abusive to affect my credit without properly notifying me and allowing ample time for me to pay the debt. I contacted the collection company, Waypoint, and made 2 payments. Then, they hit my credit! This all happened within a matter of a couple months!! I switched service end of XX/XX/XXXX, how am I in collections in XX/XX/XXXX? I contacted the company and the collection company and kindly asked them to remove the credit hit and I would gladly pay the {$90.00}. They refused. I hear horror stories about these cable companies, however, I was always a great paying customer for years! They sure wont do anything to keep your business, but if you decide to leave for better deals, this is how they will get you! Unbelievable.
Related Case Number XXXX Related Case Number : XXXX I have attempted to work the following matters out with the information Furnishers, XXXX XXXX XXXX ( XXXX pending litigations against ) and XXXX XXXX XXXX ( Filing a case soon ) for violations of the Fair Debt Collection Practices Act - FDCPA FCRA - Fair Credit Reporting Act, and TCPA - Telephone Communications Act Of 1991 Equifax responsible since it continues to allow reporting of inaccurate information. 

The account was reported under XXXX XXXX XXXX and then they sold the account to XXXX XXXX XXXX, XXXX companies reported the same item on my credit report. 

Furthermore, as required under the Fair Credit Reporting Act the credit bureau is required to notify me within 5 days of re-insert date, which has long since past. 

" 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ''
These dont belong to me please its hurting me.I never authorized these accounts. 

XXXX/XXXX  Reported : XX/XX/2019 {$0.00} Closed XXXX  XXXX  Reported : XX/XX/2019 {$950.00} Closed OTHER LOANS XXXX/XXXX  Reported : XX/XX/2019 {$0.00} Closed XXXX/XXXX  Reported : XX/XX/2019 {$0.00} Closed
Hello : My name is XXXX XXXX ; I live at XXXX, ME XXXX. My phone # is XXXX. My complaint is against Bank of America, who holds a mortgage on my condominium. BOA failed to pay my real estate taxes to the city of XXXX, which resulted in lien on my property. When I was first notified by the city about the pending lien, I called and spoke to a BOA representative who instructed me to send a cover letter with the notice from the city to BOA, and they would rectify the matter. I went to the local branch and did so, and was assured that the payment would be made. It was made, but after the due date, and thus the lien. I then spoke again to BOA representatives on couple of different occasions to see if I could procure documentation stating that BOA was at fault in not paying the taxes. My concern is that having a lien on my property, even though it has now been resolved, will reflect poorly on my credit ratings. The city is not reporting the lien, nor is BOA, but I 'm told there will still be a record of the action in my credit report. In short, this is likely to cost me interest points should I take out a loan for a major purchase such as a car or real estate. BOA can not provide documentation saying they failed to make the payment on time ; the burden is on me to contest the credit report should the lien show up, but without documentation stating what happened. This is irresponsible on the part of BOA, and it is extremely frustrating to be brushed off with boiler plate language used by the customer service representatives. " We are sorry XXXX XXXX ; we understand your concern, but there is nothing we can do because we did n't report the lien to the credit bureaus. '' I 'm not convinced this gap in payment wo n't happen again or that it is not happening to others. Can anything be done to put pressure on BOA to provide better and more professional service and to send some form of documentation that will help me corroborate my case should I need to contest the lien with the credit bureaus? 

Thank you. XXXX XXXX
My loan servicer was XXXX XXXX XXXX ( PHEAA ) and I refinanced my loans in XXXX/XX/XX/XXXX to another institution. I received Paid in Full notices from PHEAA to all 8 of my individual loans ( 4 subsidized, 4 unsubsidized ) on XX/XX/XXXX. I received an additional confirmation on XX/XX/XXXX that I had a XXXX balance after I received an erroneous billing notice emailed to me. In XX/XX/XXXX I was notified that I had a balance due and they reported to the credit bureaus that the loans were no longer closed. I called PHEAA and they described an audit process where they uncovered that they had miscalculated interest and they corrected it resulting in me now owing a balance.
An inquiry dated XXXX XXXX XXXX is reporting on my credit. I did not authorize anyone employed by XXXX XXXX Bank to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company which was return as an un-deliverable address. Did not receive a response or proper resolution. On my Equifax report the company name is XXXX XXXX Bank, On my XXXX report the company name is XXXX, XXXX XXXX, Tire Dealers. Also, I 've called and sent Equifax a certified letter to resolve my concern. The only thing I 've received were continuously refusal to rectify this error.
Wells Fargo refuses to work with my daughter in any way. They have stated the amount she must pay every month and despite the fact that she does not make enough money to do so, they will not compromise in any way. Their interest rates are absolutely ridiculous also.
Did not realize the amount of the interest or amount not being applied to my loan. I needed this loan to take care of family matters. I would have never done it knowing what would happen. I have already pay  XXXX  and I only owed  XXXX  it is almost double on the loan amount. Loan shark. Date was taking out on  XXXX / XXXX / XXXX  not to be payoff til  XXXX / XXXX / XXXX . can not make extra payments. Wife just got a new job no income but mine right now til she gets her paychecks coming in regular basics. Id number of the contract is  XXXX
I was informed my Sam 's Club account had been closed yesterday after making my required payment ( over the phone today ) without any written warnings from this creditor, I 've been paying on my account monthly and my credit limit was {$1000.00}, I only used {$450.00} in credit. The online account summary states my account is open. They had previously closed my account due to a lost card and made my credit score go down XXXX points. I believe they are practicing unfair credit practices. I 'm requesting my current account be reinstated and a letter issued to all XXXX credit reporting agencies explaining the closing of the previous account due to a lost card.
Received personal credit report produced by XXXX with the Innovis logo on the report that was sent to me. The following phone numbers and addresses were never associated with me and should be removed from the report. They are as follows : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The following phone numbers were never associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have disputed this account and received nothing and this company still list this unknown debt which I have never did business with. Pease help
Continued attempts to collect debt that is not owed. I have never done business with this company and I have no idea who this company is. The right of subrogation does not exist for a stranger to this transaction. 73 AmJur 2nd, Section 90.AD Astra is a 3rd party collector and is not on the original creditor contract that was mailed to me recently. I have not received any documentation from AD Astra stating that they purchased this debt either. Once again, I did n't receive written notification prior to this collection being placed on my credit as the address that you all have on file is one that I have never lived at. By law, I have to be notified of my right to dispute this debt. If this account is not removed, I will be reporting this to the BBB once again along with the documentation showing that I do n't have a contract with AD Astra.
Student loan charged off after 45 days of no payment. Now XXXX XXXX XXXX XXXX XXXX call to collect outside of collection hours. They always call twice, back to back.
I am LIVID with Ocwen Loan Servicing. My father died XXXX leaving no Estate. My mother passed XXXX. Since there was a house and no will, I had to go through Probate which was completed about XX/XX/2015. I sent Ocwen the personal responsibility form notarized by the XXXX XXXX XXXX Probate Court naming me as the ONLY party to the Estate. I 've been trying to get Ocwen to change the mortgage to my name as deceased people can not own real property. They refuse. Any contact with them has to open with giving my ( deceased ) mother 's ssn. This is ridiculous and stirs up emotions I just do n't need. Now for the ultimate insult. I got a fat envelope from Ocwen last week ( their date XXXX ) stating I 'm in default ( 2 months when letter was created, now XXXX. It also threatens foreclosure! I know foreclosure proceedings can not begin until 4 months in arrears. I tried calling and got the typical XXXX accent which I can barely understand. After explaining everything, he said that he could n't help as he 's not my 'personal ' mortgage assistant. I could n't understand his name or employee number at the beginning of the call. It 's time Ocwen actually showed some customer service! My brother is helping with mortgage due to a financial crisis. I 'm sure we can make 1 or 2 payments before XXXX ( four months behind ).
Violation of HIPPA LAWS!!! This is a medical bill that should not be on my credit.
I made a payment over the phone to Navient Solutions Inc for an amount around {$300.00} towards both my Federal and Private loans. The Federal loan amount owed {$180.00} and the Private loan owed {$110.00}. I was assured by the representative I spoke with that the {$300.00} payment would cover BOTH loan payments. 

About two weeks later on XXXX, XXXX I received XXXX phone calls at XXXX. XXXX call to my cellphone and the other to my home phone, both informing me that I am past due on my Private loan. 

I called Navient and spoke with a representative for about XXXX mins. She admitted that Navient had made a mistake and would correct the payment. I asked her to have the phone stoped. I was put on hold for nearly XXXX mins. She came back on the line and assured me that she had contact Navient 's collections department and all calls would stop. 

Late the same evening at XXXX I received XXXX phone calls from Navient 's collections department again. It seems Navient does not care for customer service. Navient Solutions Inc does not seem to care that they are harassing customers and violating FDCPA regulations. During previous calls in XXXX, XXXX dealing with same problem regarding my Federal loan, I was told by a Navient representative that it is not company policy to update it 's system the same day. He went on to tell me that I should just disregard all calls until the system updates on it 's own.
I Bank with Chase I have banked with them for over 15years. Every few months they hold transactions and charge insufficient fund fees. I have mobile banking so im am constantly looking at my account. Ihave some payments that come directly out of my account so I know what time and when they will be drafted. I also have direct deposit. So I know when the bills should be drafted. After speaking with a rude customer rep. They informed me that you only get XXXX reversals a year and I had reached my limit. After having this same issue early in the year.. JP Morgan Chase like every other Bank are taking advantage of customers. It showed on my end that my drafts had cleared, Then on the next day I get insuffcient fund fees. No one has hundreds of dollars to give to large banks that are ripping people off. If I was writing bad checks then I deserve it. But im a poor working class woman, and the XXXX gentleman that I spoke with could careless, their main concern was putting money back in to the banks pockets. This is a scam they do every month to everyone. When you have to account for every dollar you know how much goes out and what comes in. JP Morgan Chase needs to be investigated for over charging and illegal activity.
I have been a credit card holder at Target for more than XXXX years. During that time I have always timely paid my bill without fail. My small credit limit of {$500.00} means that every time I use the card for more than {$100.00} I in effect negatively impact my credit score. I have made several requests over the last few months to have them raise my credit limit and all I am told is that they have a policy that they review accounts on an ongoing basis. However I should update my income which I did in early XXXX, early XXXX and the latest on XXXX XXXX and I would hear within 75 days only if the increase is granted. 
However after numerous calls I have not been notified of any increase and have received no notification that the increase was denied or for that matter even considered because no notification was ever sent. 
I have made several calls and no one will give me this information but they propose that as a solution to impacting my credit score I do XXXX or XXXX of the following:XXXX File for a debit card and in effect give target an interest free loan. 
XXXX. Pay my bill immediately after shopping in the store even though the monies are not due for weeks depending on at what point in the billing cycle I hit. 
Certainly target the right to deny credit to any customer that does not qualify but I would think that they also have a legal obligation to appropriately notify a customer whether or not a request for a credit increase was denied and also the reason. Frankly I feel that Targets failure it appropriately notify me is in effect a form of discrimination because this failure does not offer me the opportunity to determine if credit is being denied for an inappropriate reason and I am indeed being discriminated against.
Hello, I opened an account online with Citizens Bank on XX/XX/XXXX with a promotion to receive {$150.00} when I completed a direct deposit of {$500.00} within 60 days of the account opening. I received a direct deposit in the amount of {$500.00} onXX/XX/XXXX, well within the 60 day requirements presented by the bank. I have now waited 3 months and still have not received my bonus. I emailed customer support, and they stated they were unable to see the terms of the bonus attached to my account, and when attempting to respond, Citizen Bank 's Messaging system failed, and still fails to this day, saying a response can not be sent. Since Citizen 's appears to only operate locally via branches, and does not have a public corporate office to reach out to, and that I did everything online via their online system, I am requesting that Citizen 's honor the promotion and deposit the {$150.00} into the account. I have attached confirmation of the promotion to this complaint.
I spoke to a customer service representative on XX/XX/XXXX to try to resolve this issue. I was told they dont know why this account is still reporting as late because it has been paid and to call back in 48 hours while they investigate. In the mean time I can file a dispute. This company has charged off my account in XX/XX/XXXX and when this account was charged off it has been paid with the collection agency however, this company is still reporting my account monthly as 180 days past due. This account has a XXXX balance as of XX/XX/XXXX.
I obtained my credit report and discovered multiple errors. I send a letter to XXXX stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XX/XX/2017was signed for. I received a letter back stating they had " verified '' this using a third party ( XXXX ). I sent a second letter on XX/XX/2017 and it was signed for, stating that I was requesting the information that they used to " verify '' the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not provide any documentation to me as verification. I mailed my third letter on XX/XX/2017 and it was signed for and still the same answer. I called Equifax and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given Equifax multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.
I have sent two request to remove an inaccurate item on my credit report. Once on XX/XX/XXXX and again on XX/XX/XXXX of 2018 I have received a response both times stating that its valid and verified. On the second letter I requested for them to let me know method of verification because I know that I didnt not have a loan out and the item they are reporting monthly is not accurate and my rights are being violated. I have not been sent anything showing how they verified or investigated
I discharged from bankrupcy in XXXX 2015. I believe there is information reported on my reports that should not be there. ( ex : open status, balances )