WillisBack/dataset-financial-user-claim huggingface dataset:
In 2015 I opened an account with XXXX for my little sister, which was all fine. 
My little sister then went in to the XXXX location and opens up additional lines, and was also allowed to lease additional phones in my name with out my permition and XXXX allowed her to sign contracts linked to my account with out contacting me or a signature from me. 

I had no inclination of the addition lines and phones until receiving a collections letter in the mail from SOURCE RECEIVABLES MANAGEMENT So I called the professional debt collectors I was connected to a representative by the name of XXXX our conversation was not going in a professional manner, so I asked XXXX if I could speak to a supervisor XXXX then told me just because I wanted to speak to a supervisor didnt mean I get too, I then asked her if that was their policy, and how they normally treated customers? XXXX informed me that that it would be my credit that would be damaged not hers, and told me she was terminating the call and hung up the phone.
My name : XXXX XXXX XXXX, Loan # new # XXXX # XXXX, Wells Fargo home Mortage, I mailed my payment XXXX XXXX, received in XXXX Tx XXXX at XXXX am. deliverered to their XXXX XXXX at XXXX XX/XX/XXXX.I checked my checking acc with XXXX Bank the money still in my account.I phoned this morning and talk to a representative of Wells Fargo named XXXX our conversation finished at XXXX, I asked her to checked and payment has not been credit to the account yet. I have a Modification mortgage my payment can not be late which is on the XXXX of the month.I mailed to the new address as requested : Wells Fargo Home Mortgage, XXXX XXXX, XXXX, Texas XXXX tracking showed it has been delivered on XXXX XX/XX/XXXX.They have done this before to me last year and I had to filed a complain in order for them to fix their mistake and admitted to me. last year the check did not go through the system property and they called me on the XXXX of the month to let me know that they needed it XXXX payment they claimed to silly excuses after two month they admitted that was their mistake that their system did not clear the payment however they never send me back my check, no late fee was charge or any other notice of late payment. This time they change loan numbers and change mailing address for the ones who pay with check trying to force people to get automatic bank payment which is not to my satisfaction or to pay on line, which will expose me to hackers, and me as other XXXX people do not, like that system. Where is my check and why they have not applied the payment of this month that was mailed on XXXX certified XXXX XXXX XXXX XXXX XXXX, and received and delivered to them XXXX XXXX XXXX Wells Fargo Mortgage Company gave a big problem with my Modification twice denied and finally approved on the temporary XX/XX/XXXX, XX/XX/XXXX was finally permanent approved, paying always on time, they want clients to show default in payment to cancelled the Modification. Please help me, Where is my check mailed Certified AND DELIVERED ON XXXX, CHECK # XXXX for {$330.00}? they are holding my check, this is illegal.Someone needs to do something about this Mortgage Company.Thank you. XXXX XXXX XXXX, phone XXXXI need a resolution to this matter as soon as possible.
credit protection association is in clear violation of the fair and accurate credit reporting act I never got a letter saying that i owe any money and to who and why. I never got a mailing address that i can dispute the debt. I do not have a mailing address to dispute a debt. just none stop robo calls about a debt with an account # XXXX robocall debt collector that did not send me a bill via usmail. 
never gave me a chance to dispute. When i call to dispute the debt they robo call again the next day. refuse to provide me a place to send a dispute letter in writing never got any letters from them about this debt. this is clear violation of the fair and accurate credit reporting act. I should of got a letter with in so meny days of the call. never got no such letter do not know how i can dispute this debt for XXXX I would like to dispute because poor quality service provided resulted in a loss of {$4900.00} in lost trades. I do not feel that i owe any debt of {$210.00} because of the poor quality of internet service provided by XXXX. I demand a letter from this debt collector so i can send a dispute letter via us mail.
I have disputed a transaction for airfare from XXXX XXXX with Citibank on XX/XX/XXXX, because, according to Master Card " Charge back guide '', the service provided to me was " Not As Described '' ( I booked a flight to XXXX, but was flown to XXXX instead ). 

I was given a conditional credit on my statement, which was then reversed without me being notified. I have noticed the reversal on my statement, and called the bank around XXXX. 
The representative told me that they have a letter to me by mail, to which I would have to respond in order to continue the dispute. They could not tell me anything about the status of the dispute by phone, and they could not send that letter to me by email : due to government regulations '', according to them. 

I waited about 14 days, but the letter never came, so I called the bank again. This time, they said, they would just email it to me ( whatever happened to those " regulations '' this time ... ). 

The email I received contained the response from the merchant, that basically repeated the facts i stated in my original complaint ( they flew me to XXXX instead of XXXX, and said I had to make make my own arrangements from there ), and a note from the bank, saying that, since they got a response from the merchant, I had to provide " additional evidence '' in order to keep the dispute open. I was not sure what evidence they needed, since none of the facts I stated originally was disputed by the merchant. So, sent back my original reservation, and the airline notice of " trip interruption '' as " evidence ''. 

On XX/XX/XXXX ( yes, XXXX day ), I received another email from Citibank, that said they had some " secure '' information for me, and I had to click on some link, and enter my password to read it. 
The " secure '' link they sent had an invalid TLS certificate, and could not be opened safely. When I finally managed to get to the " secure information '', it was more or less the exact copy of the previous letter, saying that they needed " additional evidence '' ( without specifying what fact they needed to confirm ), and that " due to timeframe requirements '' (??? ) I had to respond by XX/XX/XXXX ( within 3 business days ). 

I responded to that email, asking for details of what specific facts they find in question, and require additional evidence for. That email was acknowledged, but never responded to. 

On XX/XX/XXXX, I received an email from them, stating that they found the merchant response " satisfactory '', and that my dispute is now " resolved ''. 

I find this completely unsatisfactory. Not only, this is as clear a situation of " service not as described '', that XXXX XXXX rules promise to protect the consumer from, it is also completely clear from the way Citibank handled this case ( " lost '' mail, lies about " government regulations '', incoherent communication, unnecessary requests, unreasonable deadlines, invalid certificates etc. ) shows without any doubt that it was never their intent to even attempt to resolve this dispute in any other way, which is clearly a violation of their agreement with me as a consumer.
I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE / XXXX XXXX XXXX   XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I got a  XXXX  vehicle from Santander Consumer back in  XXXX  the company I was working for went out business I spoke with several representative verbally they informed Me since I was laid off & volunteer returning the vehicle it 's okay this would n't effect Me that 's Not true I pulled My credit & it 's on there I have contact them & representative said it should n't be on there it 's mistake I was transferred to several different people 's & was given different details & the run around saying just make payment arrangements I said I refused to make any payments after I was verbally told Everything would be okay once y'all got the vehicle & then they did a charge off Santander  is  n't a good company after verbal agreement with Me I 'm not paying for a vehicle they have & knew My situation I was n't treated  far  & I 'm disputing this to be removed from My credit report.
SO this is ridiculous, because after filing over 15 complaints with XXXX XXXX, Equifax and XXXX, my credit was at XXXX score but when their faulty lack of due diligence caused the fraudulent inquiries and accounts to happen, the score dropped over 4 points and even more on my credit. Then I file complaints, wait over 4 months for the credit bureaus to get their act together, and remove the fraud inquiries and then my score only goes up ONE ( 1 ) XXXX point. That is totally unfair for each bureau to falsely report fraud in the first place and then have jurisdiction over scores and refuse to bring them back to where they were. That is incredibly damaging to my credit still and causing me to lose my chance to own a home. After these numerous complaints being taken so lightly, I am going to the news with this because the credit bureaus are causing too much negative impacts on people and have ruined my hard work.
My bankruptcy was discharged a few years ago and I included my home in Washington XXXX in the bankruptcy. Bank of America continues to send me statements and letters. I sent a Cease & Desist letter last month asking them to not contact me anymore by mail or at all as it brings up bad memories and the stress of having to let my home go. They continue to send me statements. I am beyond stressed and frustrated with them. I have anxiety and have to be on medication for it. By law I thought they have to stop sending me these items if I request in writing for this to be done.
I am trying to purchase a home and in order for me to move on with that process I called XXXX XXXX and I called Transunion. XXXX told me they can't remove the late payments, not even one. When I talked to transunion they told me they can remove just one and I was fine with that. I was late XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was XXXX  and I am also a single parent. I'm not trying to be difficult at all or cause confusion. When I checked my credit report days later my late payment from XX/XX/XXXX was moved up XX/XX/XXXX. Im not understanding. The guy from transunion told me he would remove it and he did not.
Lender has a {$150.00} service fee which is added to the finance charge at closing. However, the APR is not adjusted to reflect this. Thus, the APR is incorrect. Also, since the top rate is 27.99 %, adding the service fee would violate usury limits.
On XX/XX/2018 My VA guaranteed loan with a monthly payment of {$1600.00} was refinanced to {$1400.00} supposedly by interest rate reduction The field on the XXXX XXXX  application that is listed in the Lender case number box with ( XXXX XXXX XXXX ) VA XXXX XXXX XXXX Loan number XXXX listed XXXX as the refinance amount in the " Amount of existing liens box '' thus lowering payments by applying a lower interest rate from 4.375 to 3.2. I  did not realize it would cost me {$10000.00} more undefined dollars when ( XXXX XXXX  loan number XXXX listed by LIC #  XXXX, NMLS # XXXX ORIGINATOR XXXX XXXX XXXX, NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Tel. XXXX FAX XXXX ) assumed the loan and issued undefined charges and then handed off to XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX acct number XXXX When I asked, I was told nothing. The amount added to my balance when all was said and done within a practice called " CHURNING ''. I had a loan of {$280000.00} dollars and after it was refinanced it turned into {$290000.00} This loan was churned with intent to take advantage of a XXXX Veterans status with a defunct VA mortgage department that did not do its job when approving this loan.
Back in 2006 I filed bankruptcy. The hearing judge took it back to court and reversed it. I have been to the county clerk and the federal office on bankruptcy. neither show it. Now I have contacted them several times in the last6 years. Equifax is yet to remove it. I also have inquiries on my report I did not authorize and they told me they could do nothing about it.
XXXX XXXX XXXX XXXX is reporting an account as charge off on my credit report along with payment history, balance, and past due. I have never had a credit account with them and they are listing term and payment history. Secondly this account should have been discharged with my bankruptcy. I spoke with a XXXX XXXX at branch and she stated she never received any discharge paperwork from the court. I then contacted Experian they stated the court did not report bankruptcy to bureau. I responded that per the courts they do not furnish information to any credit bureaus. Experian then stated that either I needed to send them copies of the schedules I filed with the court ( almost 3 years ago ) or the court would have to call them because of a recent lawsuit they will not accept any discharge papers or the info that the creditor provides to them which is unacceptable. XXXX is not reporting it correctly and is not correcting what has been published.
XX/XX/2017 is my last correspondence with your company. I wrote to you to inform you about several incorrect and outdated information being reported on my credit file. You did nothing. The incorrect pieces of information are still in my file. There even accounts that Had been removed by other bureaus ( XXXX XXXX and XXXX XXXX ) and you refused to remove. This I think is a violation of the FCRA. Furthermore, I have requested investigation but for some reasons, the incorrect account opened to date, balance 's, inaccurate payment history has not been fixed. I am writing another letter to letter to you. I will be giving you 30 days to fix this mess.
During XXXX and Citi deal over Costco credit card conversion, consumers accounts were transferred from XXXX to Citi. My account with XXXX was in good standing and was on autopay. Before I even received my Citi card, my Citi account already had past due balances and interest charges. This was extremely unfair to me as a good consumer -- 1. A charge on XXXX card should be paid to XXXX through preset auto-payment plan ; 2. Neither XXXX and Citi communicated clearly regarding " charge history '' transfer ; 3. Before I received my new Citi card, I had no knowledge of the existence of the new account, and I had no way of knowing how to pay because I did n't even know the account number ; 4. The Citi credit card account history existed before the card was issued to me, and before the card was activated, without consumer consent ; 5. Because of the technical failure in the transition, I incurred the late fee and interest charges before I even got the new credit card, which affected my credit history. 
6. How can a consumer incur late fee and interest charges before he/she was issued the credit card. There must be a law governing this. 
7. My XXXX account was in good standing and on Autopay. It is totally XXXX 's fault or Citi 's fault, or both in subjecting consumers to financial loss and credit loss. A consumer was not given any chance in the process to prevent such unfair treatment from happening. Our rights must be protected.
Equifax has placed false and misleading information on my credit report that led to me being turned down for credit ( {$130.00} balance to XXXX of Virginia was reported ).
In XX/XX/XXXX I contacted Navient about student loan forgiveness or Debt Consolidation. As I was beginning the process they placed my loan in deferment. In XX/XX/XXXX the Debt Consolidation was concluded and my new servicer is XXXX. On XX/XX/XXXX Navient reported to the credit agencies that my loans where over 120 days late on payment as of XX/XX/XXXX. I contacted Navient and they said that since my loans where no longer with them they could not help. This caused a sever drop in my credit score which has caused me to be denied for my home loan.
XXXX   XXXX  the payment I owed to  XXXX  of  XXXX  which was received 6 days late due to a problem that I was not aware of. I was out of Alaska, in  XXXX  and I did not receive any statement from  XXXX  with late dues.   When I came back which was in  XXXX   XXXX  I tried to explain to  XXXX  that I was out of the country, and was sure that the amount was paid.   They said that the 30 days in which I should have resolved the issue I did n't call ...  ..but  how could I be aware that the payment to  XXXX  of  XXXX  came 6 days was late?   I tried to resolve the issue with them, but there was absolutely no opening.   Nor there is any opening from their side right now.   They have sent this to Equifax which is creating a problem for me.   I would very kindly suggest that you mediate in this affair.   I do not owe anything to  XXXX , there are only charging interests.   Even though I tried to pay the interests for one month, for the delay ; they are not considering that either.   Thanks  XXXX   XXXX   XXXX  Account Number  XXXX
Attempted to place a security freeze with Experian, and they refuse to do so. 

I 'm able to view my report on their website so they 've confirmed who I am, but when I attempt to place a freeze they say that they can not confirm who I am. 

Their only provided option is the service that they provide for $ XXXXmonth which is {$1600.00} over the life of a 7 year freeze, though in my state it should be free. 

Their phone system also constantly cuts me off when attempting to place said freeze as well.
On XXXX/XXXX/17, a property tax of {$690.00} was erroneously added to my statement. The amount was a pass-through of property tax from the company for my leased vehicle that had been assessed by the State of XXXX and the Town XXXX. 
In addition, my monthly lease payment of {$480.00} was applied to the tax bill, instead of the lease as intended. Not only was the tax payment in dispute, but this act contradicted their own notice that stated that the tax bill would not affect my monthly automatic payment under the 'EasyPay ' program. 
I was on XXXX XXXX and provided such notice to Acura when I began the lease and I continue to serve on XXXX XXXX today. As a non-resident military member, I am exempt from XXXX property tax on the vehicle under the Servicemember 's Civil Relief Act ( XXXX XXXX XXXX. XXXX XXXX. 

Excerpt from SCRA Sec XXXX " XXXX Personal property ( 1 ) Relief from personal property taxes The personal property of a servicemember or the spouse of a servicemember shall not be deemed to be located or present in, or to have a situs for taxation in, the tax jurisdiction in which the servicemember is serving in compliance with military orders. 
( 2 ) Exception for property within member 's domicile or residence This subsection applies to personal property or its use within any tax jurisdiction other than the servicemember 's or the spouse 's domicile or residence. '' I was never given a tax bill from the Town XXXX and I asked the tax to be removed from my bill, pending adjudication of the matter. 

I have provided a signed, notarized, affidavit that was accepted by the town 's tax assessor 's office and a copy of my military orders that both clearly articulate that I am not a XXXX resident and I am only in the state incident to military duty. 
Over the past two weeks, I have contacted Acura Financial Services by phone, email, and letter to no avail. The Financial Services office has passed me from XXXX representative to another and have refused my request for a written response. 
This misapplication of property tax and attempt at reimbursement by Acura Financial ServicesXXXX Company from XXXX XXXX members could potentially effect other servicemember/lessees in the following states that assess vehicles for property tax : XXXX XXXX XXXX only ) XXXX XXXX
I have reached out several times to TransUnion by letters, disputes online, as well as phone calls and filing complaints with this forum.    XXXX  is reporting a bankruptcy that was discharged as well as accounts associated with it. I have sent dispute letters and in their response, they stated, " verified thru the Bankruptcy Courts. '' I have enclosed a letter from the clerk of court, which clearly states that they DO NOT provide or verify bankruptcies with the credit bureaus nor anyone else. There is a public record entry that was placed on my credit report and I have been trying for over  XXXX  months to get this incorrect entry removed. I have spoken with numerous representatives, supervisors, and managers in regards to the public record and I have yet to get this inaccuracy rectified. This is my seventh attempt to dispute this item in which I have not received satisfactory results. On   XXXX   I mailed a notice to  XXXX  in effort to have the inaccurate item removed or for the credit bureau to produce written documentation including my signature, with enlightenment to how  XXXX  has verified this public record. I inquired to know this information as the public record continues coming back as my public record. In addition to my several written request, I have spoken with various customer service representatives and  XXXX  of the  XXXX  informed me that the request/dispute is sent as a message to the courthouse and once the court verifies it, the information is sent back to the credit bureau. After seeking legal consultation, I was advised to contact the court directly to inquire on their protocol and procedures, for submitting public records to various credit bureaus. After I contacted the court, the clerk advised me that they do not disclose, release or verify any information with the credit bureaus or any  XXXX  parties. At the point, I contacted  XXXX  once again and spoke with another representative who at this time advised me the information is verified by a 'runner ' who goes to the court house. I asked what information does the 'runner ' give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. At this time, the representative was unable to answer my question so I requested to speak with a supervisor. The supervisor advised me due to this being an ongoing re-investigation that there is no 'runner ' involved. The supervisor told me that they use a form which is sent to the courthouse. I asked what form and exactly where the form was sent. I asked if she could provide me with a copy of this form.  XXXX  refuses to give me any physical documentation ( whether tangible or electronic ) that they claim to have that verifies this bankruptcy is mine. I am requesting assistance in getting this ongoing issue resolve. XXXX  violated the  Fair Credit Act by providing me False information I would like for the bankruptcy as well as associated accounts, delete from my credit  report and to receive an updated report showing so.
The credit card processor account offerred by the banks to accept credit cards, has a blacklist called MATCH which unfairly prevents individuals and small businesses from accepting credit cards. The banks use this list ban anyone for any reason.
Hello, I have submitted letters as well as online disputes with documentation to all XXXX credit reporting agencies. This is court documentation proving the account ( XXXX ) they are reporting on my credit is not mine and it was dismissed in a court of law in the state of Massachusetts ( in 2013 ). They have yet to remove this from my credit reports. I am attempting to purchase a home and the credit bureaus are making this an impossibility for me. I do not know what to do from here. I 'm applaud that they are ignoring legal documentation ( which is readily available to the public on the court website ). I thank you for caring, XXXX