WillisBack/dataset-financial-user-claim huggingface dataset:
I have called Transunion, XXXX and XXXX on several occasions to request that they PERMANENTLY remove a FRAUD ALERT that was placed on my credit file by each of these three credit bureaus. I NEVER requested that this FRAUD ALERT be placed on my credit file. These three credit bureaus placed this FRAUD ALERT on my credit file without ANY authorization by me, without even contacting me about this FRAUD ALERT. There was a FRAUD ALERT placed on my credit file again recently on XX/XX/XXXX and again on XX/XX/XXXX. Every time I contact each of these three credit bureau I am assured that they will take this FRAUD ALERT off of my credit file but then a few weeks after that they place the FRAUD ALERT on my credit file again and WITHOUT ANY AUTHORIZATION OR CONTACT FROM ME. 

I have threatened to file a lawsuit against each of these credit bureaus but they do n't seem to care. 

They have caused me to have 6 different credit card accounts to be closed because of this FRAUD ALERT that they insist on placing on my credit file. And one of these credit card accounts I have had since XX/XX/XXXX.
Good Afternoon, I 've done a lot of reading about a car loan I co-signed for. I 've and the owner of the car in question to get out of this loan by doing a co-signer released. Capital One bank has refused to work with me at all. The primary who owns the car has moved away to another state and is no longer reachable and another party wants to take over for me on the loan since I have nothing to do with the car anymore. Capital one Bank will not even work at all, Not even offering a refi to have this loan setup for the real owners of the car. I feel like they want to do everything possible to destroy my credit which is already down 200 points. I hope you can help me with this issue.
I bought a truck from XXXX XXXX. I was living in XXXX at the time so when I drove XXXX hours to pick it up all they did was have me sign one sheet of paper. that was the buyers paper work from the sales mgr. 
we had agreed that they would take XXXX off the sticker price. we agreed that they would give me XXXX for my trade. so after i left the dealership it was n't until a month later when I got the papers in the mail to sign. I was making a lot of money then and did n't look them over very good. now that I have looked them over I have found lots of mistakes and I 've figured out how they screwed me on the vehicle. it is unbelievable. i want to fax yall this stuff and i would like to meet you in person to explain everything. i do n't care how far i have to drive. there are so many mistakes and lies, and forgeries that I would just have to show you in person.
I work an evening-into-night job as a XXXX to a XXXX company. I am paid approximately once a month sometimes a little early, sometimes a little late, around the XXXX of the month. 
Because my employer has bounced checks on me in the past, and because of the uncertainty of how and when banks clear funds when I deposit a check, I have a well-established pattern of my deposits with my bank, US Bank, at XXXX XXXX XXXX in XXXX XXXX, Missouri. 
Within a day or two that I receive the check from my employer, I negotiate the check at my employers bank and get my pay in cash. From there, because I dont want cash on me as this is hundreds of dollars, I go directly to the US Bank branch on XXXX XXXX to deposit the cash. This way, I know the money is available, as I live paycheck to paycheck, and I have important medications to purchase, as well as all my living and car expenses. 
I negotiated my XX/XX/XXXX, paycheck at my employers bank ( XXXX XXXX   of the XXXX, XXXX XXXX branch ) on XX/XX/XXXX. From there ( early afternoon ), I went directly to my US Bank branch ( XXXX XXXX ). I parked in the parking lot and walked the cash in. I deposited {$900.00} in cash. I can not remember the exact denominations of the bills from XXXXXXXX XXXX, but it would generally be a mix. I have only a checking account with US Bank. 
Much to my surprise, as I was recently paying bills, I discovered that US Bank did not credit this cash deposit to my account! I have searched high and low for the receipt, but have not been able to find it. These are vital and necessary funds for me. 
As soon as I saw this discrepancy, I went to my branch to talk with them. They dismissed my claim, and they refused to help in any way. I asked, since this is a long-established pattern and I know a bank has several security cameras all over the property, if they would help by looking at camera footage. In the early afternoon of XX/XX/XXXX, they would likely see my truck in the parking lot, they would likely see me coming through the doors, and they would likely see me at a tellers station. All very reasonable as Ive been a good customer, and I have this well-established pattern. 
They refused to help. They claim I must subpoena them. How is this for customer treatment? 
I called US Bank Customer Service on XX/XX/XXXX, and explained the situation. They also refused to help me in any way. 
I went to the police to file a report, but because of the nature of the incident, they would not take a report. 
I suffer XXXX XXXX, and this has just about put me over the brink with extreme XXXX and XXXX. All I want is a fair effort on their part to help. Afterall, it is not out of the realm of possibility that someone pocketed that cash. It is difficult to trace. But it is NOT difficult to establish that I indeed was at the branch that day and made a transaction that is totally within an established pattern of business. 
I am attaching in this complaint a copy of the negotiated check from my employer dated XX/XX/XXXX. This establishes the start of the events that created the cash deposit at US Bank in the amount of {$900.00}.
I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$2300.00}.
My mortgage statement from the last two months has reflected about a 50 % increase to my pmi. I sent in several requests to get an answer from my mortgage servicer, without a sufficient answer. My mortgage was modified in XXXX of 2014, and the balance owed was decreased was from about {$310000.00} ( original loan amount ) to abouty {$210000.00}. We currently owe about XXXX. Our PMI has been {$210.00} from when we originally opened it until my XXXX statement. That statement reflected the increase to {$310.00}. I called Nationstar 's customer service and they told me that it was increased due to the modification and my outstanding balance increasing. This is obviously not true.
There is a Dismissed Chapter XXXX bankruptcy equifax refuses to remove after 7 years. There is also a judgement they refuse to remove even though the judgement was never served to me and the full name is n't on the judgement. With the judgement they have reporting on my credit report with the amount of the judgement different from the credit report. I 've tried numerous of time dealing with these XXXX issues and equifax refuses to remove the errors.
Obtained a XXXX from XXXX XXXX that I defaulted on due to medical illness. On XXXX/XXXX/16 I received a call from an unknown Company stating " they would be coming to my home or place of employment to serve a Court Summons. '' They also stated they were retained by the creditor for collection process. The number referenced for callback is the same number this Male ( he gave no name ) called from. I called the number and no Company info was ever given. A male answered only stating " This is XXXX ''. I stated reason for my call and after some research XXXX says " you owe {$410.00} ''. I protested and stated I was aware I owed {$300.00} and I would only pay this amount. XXXX assured me I owed {$410.00} and stated " Do you have proof that 's all you owe? ". I informed him I had spoken with XXXX XXXX and was told the amount and it was {$300.00}. XXXX said " you agreed to pay surcharges, etc and you owe {$410.00}, it 's not fair for you to not pay your bill. ". I stated I 'm not dodging payment but I 'll only pay what 's owed. XXXX then became very upset, yelling and screaming, cursing at me and threatening legal action. I went to a local XXXX XXXX store asking for help ( I still had no idea of who the company XXXX worked for was ). XXXX an employee asks XXXX what company he was with and he repliex " XXXX you need to do your XXXX job and give the XXXX phone to XXXX XXXX ''. After this he yells more obscenities and hangs up again. I then call XXXX XXXX XXXX and speak with XXXX, she then gives me Midwesterns number and they give me XXXX number. I spoke with XXXX XXXX at XXXX and he advised me to call XXXX back because that company had the loan. XXXX gave me the Company name Wilson Riley and Associates. I call back but I recorded the calls. XXXX answered and as soon as he knew it was me he berates me " I do n't respect you XXXX XXXX, etc '' ( I wanted to upload recordings but system wo n't let me ). After 4 attempts being yelled at, called names I beg XXXX XXXX to help me and take my payment. I still to date have no legal proof Wilson Riley and Associates own my debt. A payment processed for {$310.00} on XXXX/XXXX/16 from XXXX.
I have been in the process of working with PNC on a loan modification and they are going forward with foreclosure. please investigate for dual tracking.
I am uploading 2 different copies of my credit report to prove that Experian credit reporting company is reporting incorrect information on my credit report. XXXX XXXX XXXX XXXX is a fraudulent account I have disputed this numerous times. It has been removed off my XXXX credit report which I am uploading proof. Experian sends me the before and after dispute results and all they did was add I am disputing this as a fraudulent account. After research and contacting legal advice I was told by my attorney any fraudulent account is to be removed from my credit report. Another discrepancy is my XXXX account. On Experian it is showing as account that is negative and will go to a positive in the year 2022 well on XXXX   it is showing as account paid as agreed and account that is satisfactory. Experian I feel is not doing any investigation on my disputes. If they did this matter would have been corrected and resolved already. My Experian report looks horrible because it has all incorrect information. It is affecting me in obtaining substantial credit. However on my XXXX  report there is nothing negative as it should be reporting. I am constantly having problems with Experian in getting them to correct the completely wrong information on my report. They dont care as its not there name being ruined its my name.
I opened a credit card that had 0 % interest and made a {$14000.00} purchase. On XXXX XXXX, 2016 I was charged {$150.00} for interest. I made several calls to BoA and opened a CFPB request when I did not receive my {$150.00} refund. On XXXX, I paid {$13000.00}, which was the entire balance minus the fee. On XXXX, I paid for the {$150.00} to prevent future charges while the CFPB investigation was taking place. I received a {$150.00} refund on XXXX/XXXX/2016, which was as expected. On XXXX/XXXX/2016, however, I was charged {$73.00} additionally for interest. I was not expecting this charge and I did not receive a refund when I called in about it.
I got financed through XXXX XXXX Byrider XX/XX/2017 and I am paying way to much. I'm paying almost XXXX for a XX/XX/2005 XXXX XXXX. Its confusing because none of the number match up, like the trade value, i did not put XXXX on a trade in. They charged me a reconditioning fee and didnt recondition it. Everything seems fraudulent
XXXX XXXX from XXXX XXXX XXXX keeps calling me, my husband, my husband 's ex-wife and my place of employment to collect a debt from Old Navy that I went through credit consolidation for in 2008.
I have mailed several letters via mail and disputed online with the credit bureau and colletors to have inquiries that I did not authorize. I have been effected and my credit score is suffering as an result
XXXX XXXX calls 6 to 8 times a day to both my number and my husband 's number. They have been asked several times to stop calling our numbers as we are dealing directly with XXXX XXXX XXXX. We just recently ( XX/XX/XXXX ) received our first written bill showing we owed money to XXXX XXXX XXXX from 3 months ago and paid XXXX XXXX XXXX directly on XX/XX/XXXX. We are extremely upset that XXXX XXXX XXXX sold our information to XXXX XXXX, and the multiple calls a day, that leave no messages, and hang up when you answer half the calls.
I have disputed the late payments on XXXX XXXX   XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Contacted Equifax in XX/XX/XXXX to inquire as to why XXXX XXXX XXXX XXXX was reporting my account as late, when I have documentation from XXXX XXXX XXXX XXXX that my car was paid off in XX/XX/XXXX. Now, report from XXXX  shows account as " charged off '' as of XX/XX/XXXX. How can you " charge off '' an account 120 days after you sent correspondence to your customer that the account was paid in full. Account show paid in full with XXXX  balance on XXXX  and XXXX.
The payments I counted on to meet my budget was confirmed by the bank. It was not until later that I was made aware that the payment had changed to an amount that I can not afford. All documentation that was given to me when I signed the mortgage showed a payment of {$1000.00} And that payment would be barley manageable but I could budget for that amount. The new payment that they are requiring is not affordable. Had I known what this new payment would be before the closing, I would not have signed the loan. 
I do not want to lose my childhood home and am looking for someone to possibly help me.
XXXX, I have XXXX credit card accounts with Continental Finance ( XXXX ). They are very high interest cards that I took out right after I successfully completed XXXX Bankruptcy. I pay on time every month, through their website. I have noticed several times that when I sign on to make my payment, inexplicably and under the guise " for your protection '' the system asks me to change my password. Although, I follow the instructions carefully and answer my security questions correctly, there are repeated error messages forcing me to become locked out of the system and to call the customer service number on the back of my card. Because I often pay either on the day before or the day that my payment is due, this action I feel puts me at risk of being late in making my payment, thus resulting in paying the credit card company not only my payment that is due but a hefty late payment fee of {$35.00}. ( This has occurred about XXXX or XXXX times ). Throughout the month I am often checking my account online, but I have noticed that the system requires me to change my password only around the time that a payment is due. I have complained to the company, but they only reply " it is added security for your protection '' or " or try to make your payments earlier ''. Please investigate this matter.
I recently pulled a copy of my credit report on-line and found that Sterling Jewelers , Inc. is reporting the following inaccurate information in my file that is negatively affecting my credit score and life : 60 day late payment I have continuously made payments on this credit card and have  brought this to their attention. Payments above the minimum have been paid on-time on a monthly basis and have never been late. 

I understand that per the Fair Credit Reporting Act, they are required to notify me of their investigation results within 30 days but they have not. Additionally, they are required to readjust this but Sterling Jewelers , Inc. has not despite my on time payments and evidence showing them that my payments have been made on time.

I look forward to Sterling Jewelers, Inc. accurately updating my credit information with all three credit bureaus in order for my credit report to accurately reflect my on-time payments.

Thanking you in advance.
This debt is dated for XX/XX/XXXX ( was at work ) or XX/XX/XXXX ( moved back to NJ in XX/XX/XXXX ) for XXXX. I never received a notice on this debt, the debt is on my credited report. I called the collection agency I told them that this debt does not belong to me and to remove their name from all XXXX credited bureau, because it 's affecting my credit score. I was told they could not do that the debt is in my name and I had to pay.
I think the debt is too old. It occured in 2011.The payday loan was XXXX XXXX Armands XXXX XXXX I do n't recall if I pay them. They sold this debt to a collection agency called Direct Capital Associates.XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. 
They call me numerous times a day. They called relatives I did not give permission for them to call. My mother, brother and sister-in law. They threatened me to my family telling them I am going to court and going to prison. This has caused me so many problems and I have XXXX. I am so upset and ca n't handle this. 

Please do yourself a favor and learn from me. Please do not take out payday loans. They are expensive and the companies will torment you, by calling continuously, even before it is time to pay. I truly believe they should be outlawed. I know people need money. Please try to learn strategies on managing money. This has been a big lesson for me. I do n't care if I have to do with out food, I would never do this again. This was in 2011 and I thought I paid them.
I had my FHA mortgage with XXXX XXXX XXXX for 7 years, I autopaid my mortgage and was never late with a payment. My housing costs were 20 % of my income and I had no financial hardships or issues with my mortgage. 

In XXXX XXXX I received a notice that my mortgage was being transferred to LoanCare , LLC XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) and that I would get a bill from them the following month, I did, I paid it by check and called to set up an auto-payment, I could not get through to anyone, I called dozens and dozens of times, it is an endless loop of automated phone messages. If you stay on for the full hour plus to get through all the prompts and ask to talk to a customer service representative, you get a recording to send them a written note by mail. 

They made it impossible to pay my bill, then after one month I started getting notices in XXXXnglish and Spanish that I was going to lose my house if I did n't pay, and started getting XXXX packages with notices to refinance with them ( I did not need to refinance and it would have not been financially advantageous for me to refinance ), if I called the number on their predatory lending arm, a person immediately answered, but said they could not help process my mortgage payments and had no way of communicating with their loan servicing arm. 

I ultimately had to pay for a lawyer to just get them to process my payment. I was moving in with my new husband and wanted to keep my townhouse as a rental and build my assets but they were so horrible I decided to sell then continue to fight with them. 

I felt like I had to register a complaint, I have sold my house but the reviews of this company are terrible - thousands of people have posted online that they have tried to take their homes or have taken their homes. I was lucky enough to be educated and have resources to protect myself, but many do not, this company is making it logistically impossible for working class people to pay their mortgages and then they are stealing their homes acting as if people failed to pay. They need to be taken to court, and possibly be held criminally liable. This is beyond bad business practices.
On XX/XX/2017, I reached out to PayPal to obtain account statements for the account I had with them that I have since closed. They informed me that there is no way to access any of my previous statements or account activity because the account is closed.
XXXX, XXXX, XXXX, and XXXX have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX XXXX XXXX veteran very difficult.
I sent a dispute listing 3 inaccurate items on my credit report. After receiving a notice that the 3 inaccurate items were verified I mailed a letter via certified mail article # XXXX XXXX XXXX XXXX XXXX requesting the method of verification regarding the 3 items that were verified. the Fair Credit Reporting Act 611 ( a ) ( 7 ) WHICH ENTITLES ME TO THE EXACT PROCEDURE USED TO VERIFY THE INFORMATION, ALONG WITH THE BUSINESS NAME AND ADDRESS AND NAME OF THE PERSON THAT EQUIFAX SPOKE TO WITHIN 15 DAYS. Equifax failed to provide any information at all. 
Equifax failed to provide any response to my Method of Verification request. 
Due to Equifax committing this violation of federal law, I am entitled to a minimum of {$1000.00} for this violation. I also believe Equifax is in violation of FCRA 616 for willful non compliance as well.
I want the method of verification as requested and a {$1000.00} Cashiers Check or Money Order.
If the method of verification is not provided, I would expect my {$1000.00} payment and all 3 inaccurate removed from my credit report immediately. 
The confirmation # XXXX stated that the inaccurate items were verified. 
I sent the method of verification via certified mail # XXXX XXXX XXXX XXXX XXXX and it was received by XXXX XXXX XXXX on XXXX XXXX,XXXX.
XXXX Santander placed a repo out for my spouses car. While sitting in my car about to reverse a tow truck rammed into the back of my car and lifted me up. Car was running and the slam into the car made my neck jerk and also caused damage to back of car. Repo agent stated they will call the police to assist. I stated that is breach of peace and closed my car door. As talking Thur the window while in the car running I Tried to offer to call bank and make payment and was told my account is frozen I cant make any payments. Repo agent stated there was nothing I can do they are taking it. Asked was it legal to ram the car in lift while Im reversing and they never would answer it. Also told them to notice the damage from tow truck hitting car they stated they will document it. While sitting back in the car after agents had me lifted still and car running while still in reverse I move car to park position. Agent than begins to knock on window of car. Told agent Im making some calls give me a sec and starts knocking over and over. Stated they can call the police if I dont comply since Im not a co signed on the Loan Im driving the car illegally. Responded that Im a spouse and it cant be right for you to hit my car and lift me up while Im in the driver seat and car is running. Pain in neck and upper back real stiff soreness. The car is my spouses and is financed by Santander. Sat in the car about 30 mins during this time and finally told them they can take the car if they can take me home because I was in pain and I didnt want them calling the cops like they stated they would. Turned over the keys and they agreed to take me home. Before leaving the had to reposition tow truck a few times to actually hook car up right on tow and also they drove car to turn it around on tow as well so it wouldnt drag. 

Tow company hired by Santander was XXXX. XXXX out of XXXX Oklahoma. Adjuster name was XXXX. company phone number is ( XXXX ) XXXX
Experian and XXXX refused to Verify the following accounts that don't belong on my credit report. I AM REQUESTING THEY PROVIDE ME PHYSICAL VERIFICATION PROOF UNDER THE FAIR CREDIT ACT UNDER THE LAW, BUT EXPERIAN & XXXX   REFUSED TO PROVIDE SUCH PROOF. THEY CONTINUE TO SEND ME FORM LETTERS. 

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