WillisBack/dataset-financial-user-claim huggingface dataset:
I have worked with Equifax for over a year to try and get my credit score from them. I signed up for the {$29.00} a month service to pull my credit and every time I have tried since XXXX XXXX of 2015 it fails. They have also not supplied my credit files companies and cost me buying a boat this XXXX. I have called, faxed, email literately over 100 times. I always get the standard answer " we have to escalate your problem and it will take 7-10 days '' no one ever contacts me and it never fixes anything. They are saying my credit file is too big but I have never had a problem with the other XXXX bureaus. I am hiring a lawyer next being I am being held hostage from seeing my credit and I paying a monthly fee not to see which really sucks! I am attaching a few of the XXXX emails I have to and from them in the last year for proof. Remember this is less then 5 % of the failed emails and case numbers. I have outstanding credit and I being punished for some reason unknown to me by Equifax!
I am unable to get my credit report or Score from Equifax and have had trouble with this for over a year. I have filed a complaint with you guys months ago and nothing ever happened. XXXX is trying to pre-approve me for the home of my dreams and I am getting turned down because they ca n't obtain my Equifax report. This happen to me this summer when i contacted you guys because I got turned down for a boat I wanted but they too could not pull my Equifax. I sent you guys some of the XXXX emails I have sent to Equifax and I ca n't get anyone at Equifax to help me, my last complaint number was XXXX. I have not been able to have any creditor to be able to obtain my Equifax for over a year now. I am sick of my credit report being held XXXX, I have read I can sue them for each time they do not release my info which has now been dozens. That could cost them a lot of money. Do I need to hire a lawyer and sue them for this for I am about to lose the home i have been looking for for 2 years. I am pre-approved with experian with a XXXX and XXXX with a XXXX, all they need is my Equifax which should be even higher. All I want is my credit file fixed but I am not waiting much longer before I just file a lawsuit. I ca n't take this anymore and they are definitely in the wrong! Please tell me if you can help or I should hire the lawyer I have been talking with?
I closed my checking account with this bank last year and made sure the account was closed with a {$0.00} balance. I 'm now seeing that they are reporting a charge off amount for the account! Nothing was owed to them and they would n't even let me close the account with funds still in the account which had to be withdrawn or spent, so how is it possible to charge off an account that was  MY  money??? Not only that, but since the account has been " charged off '' the balance is continuing to increase. Also, this same bank pulled my credit as a hard inquiry in   XXXX   XXXX   XXXX   even though I do n't have any accounts with them or ever gave them permission to run my credit.I live in a state that this bank is n't even in and have no need for their services so I would n't have been looking to take a loan out with them.
On XX/XX/2017 I paid XXXX directly for the amount of {$180.00}. Ive disputed this multiple time and convergent keeps saying everything is accurate.i have submitted proof it has been paid.
On XXXX XXXX, XXXX, I went to XXXX XXXX XXXX in XXXX, NC to trade my vehicle in for a used SUV. My credit was pulled, and the score was what I believe to be good ( XXXX ). I received letters from 2 different banks today denying me credit for reasons listed that are not true for me, including 'repossession, lien, judgement, delinquent accounts ', etc. NONE OF THIS IS TRUE. I have never had a vehicle that was repossessed, never had a lein put on me, and none of my accounts are delinquent. I 'm very confused and worried about what might be going on, including someone stealing my identity. Please help. Thank you.
I have contact the bureaus repeatedly about the consumer and they have failed to contact me about the file reporting on my credit. I have no knowledge of this account XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXe and XXXX XXXX.
Said I was 30 days late for a bill or payment XX/XX/2016. 

I was not late or at least tell me what bill was late!!
I 'm in default illegally as I was XXXX without communication for over 8 years when I was initially on a deferment, with no notice it was n't continued until I was in the middle of the XXXX and had no options, however the issue at hand is I 'm paying a rehab program, but they keep calling me at work, and then refuse to quickly complete the call, seeming to extend it needlessly. When I ask for a quick call, they slow it on purpose, putting my job at risk. They do n't offer any online payments or other self pay options to avoid these humiliating calls. They ask questions that are harrassing, and although I 've made numerous requests not to be asked, I 've been advised to stop asking for that as they state they 're required to ask.
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018 ; XX/XX/2018 ; and XXXX XXXX. It is now XX/XX/2018. I sent the XXXX XXXX-XXXX and all XXXX credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
I have an account listed that shows that I have a statement added to it " Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' I had requested this comment be removed because it was added there by EXPERIAN, I submitted the request to have it removed online, and EXPERIAN " investigated '' the account and left the comment on the account.
The credit bureau is reporting a closed XXXX XXXX account incorrectly on my credit report. I have sent written disputes to this agency for months now and to this date, all I have received are stacks of generic letters claiming the information I am disputing has been " verified as reported. '' This is not true and I have the supporting documentation to prove it. The account is with XXXX XXXX Bank and was charged off years ago. The account number is " XXXX '' and the credit bureau is reporting an incorrect past due amount of {$29000.00}! I no longer owe XXXX XXXX any money for this account and the balance reporting should be {$0.00} for it. XXXX XXXX issued a cancellation of debt in XX/XX/XXXX for this debt and the amount was discharged from my file. I no longer owe them any money so even if I tried to pay them, they would take any more from me because the debt was discharged. I also paid taxes on the discharged amount when all of this occurred. I am attaching the XXXX document I received from XXXX XXXX XXXX as a supporting document for the XX/XX/XXXX tax year. This is all the credit bureau needs from me to update this account properly. I have been sending disputes since XX/XX/XXXX, almost an entire year now. Why has it taken so long to update my account with the right information?
I periodically receive communications from XXXX XXXX company about money owed to XXXX XXXX. This debt was discharged in a bankruptcy. This agency has no phone to call and continues to send letters saying I owe them money.
I have a whole bunch of inquiries on all 3 of my credit reports, and I do not know where they came from. I have contacted all 3 credit bureaus and a whole bunch of the companies, but no one will help me. I have XXXX  kids and my oldest is XXXX and legally XXXX, this is really affecting my credit in a very bad way. And honestly it is affecting my life in a very negative way also!!! Please I need your help???? There is over 45 inquiries on each REPORT!!!
I have Auto Loan with Wells Fargo Dealer Services and I have been paying on the loan for 2 years and making more than the min payment for 90 % of all payments made and they are not applying the extra to the principal as I have requested. I have called several times and they are not making the notes on my account. With every payment I call and they advise that I need to wait until that next payment posts to the account. 
This is allowing Wells Fargo Dealer Service to collect more interest and I currently have XXXX sitting in a Suspense account not being applied but being used to reduce the next payment due.
using and relying on false documents. 

The company will not verify the loan after numerous request they rely on the document that is fraudulent. And that what they keep send over and over and they already have been told that this document is false information.
I received a phone call on XX/XX/XXXX from an agent from cbcs trying to get me to validate a debt that is being held in their office..I answered the call because I have asked the collection agency not to call me any further because I pay this debt directly to XXXX and I have been since XX/XX/XXXX, cbcs has not adhered to my request ... They have gone to the extent to call me from local numbers which I answer because of the area codes ... I am asking that cbcs to not contact me any further and to release this collection back to XXXX..The payments are made directly to XXXX under my account number which was generated by XXXX ... I do n't owe cbcs and they are continuing to harass me on a daily basis..
I applied for a new Citibank ( Checking ) Account Package promotion over the phone using promotion code XXXX. This promotion states that it would give {$400.00} if an initial amount of {$15000.00} or more is deposited into the account within 30 days. I asked the customer service representative that was opening the account for me if the promotion was applied to my account and I was told that yes - it was attached to the account and that I qualified for it. 

The account was opened on XXXX/XXXX/2016 and the {$15000.00} was transferred on XXXX/XXXX/2016. This is within the requirements of the promotion. I called recently to check on the status of the promotion and was told by the customer service that the promotion was not tied to my account - which is incorrect. I applied for the account over the phone, and was previously advised that the promotion was attached to the account and that I qualified for it.
In XXXX an account was opened in my name under false pretense by someone using fraudulent information. The person took the money and ran. I reached out to bank for assistance in getting resolve but they were only concerned about getting paid. In fact their only solution was to put me on a repayment plan with a higher interest rate until the debt was paid. They knew about the scam because of other victims but never offered to help. In XXXX a judgment was awarded against me. At the same time the bank was suing the person who scammed me for the same loan. In XXXX the scammer plead guilty but NFCU still came after me for the money. All of my attempts for resolve were forwarded to their attorney who only allowed for a repayment plan. Today I still suffer from the effects of this mentally and financially.
I appied and was approved for a citi card. When I tried to activate it they sad I needed to fill out additional paper work which included sending a copy of my social security card. I did what was requested and now they are giving me a run around, saying that the zip code starts with a XXXX. They are saying I have to fill out even more paper work. They are refusing to close my card, they ran my credit there effecting my score and they will not close MY account. I am done dealing with them an I want this card CLOSED IMMEDIATELY. The last person who REFUSED to close my account her name was " XXXX ''? Her employee number is XXXX. Please help as I do not want to deal with this company any more.
Recieved notice from XXXX XXXX, and XXXX, of a said debt added on my credit report in which i was never contacted, by mail, or phone for my right to verify this debt, before adding on each credit report. The company failed to mail, or make any contact, giving due process for this debt to be verified. Also i agreed with this company in which they are collecting for a lesser amount and i closed my account out.
I switched providers from XXXX in XX/XX/XXXX. I was sent a box to return my phone but I never received a box to return the " free '' tablet. I called them repeatedly requesting the return box. I also emailed and " live chatted ''. I have been told 3 different stories by XXXX so far. 
1. A box will be sent to you and just follow the instructions like you did with your XXXX XXXX. 
2. Go to a XXXX Store and get a return box there. Every XXXX store I have gone to said they carry no such boxes. 
3. Just return the tablet to a XXXX store, no XXXX store I have gone to will take the several years old " free '' tablet. 
Then they put it in collections, I offered to send the tablet back at my own expense and they went back to the box coming, then store for box and then return to store song and dance again. Naturally I appealed the collection and won. XXXX then put it in collections again. I appealed to this new agency and won again. This current collections effort marks their 4th effort to get me to pay {$230.00} for a 5 year old " free '' tablet. Each time they put it in collections, it hits my credit reports. Even after I successfully appeal it takes months to get my credit report straightened. I will gladly ship this tablet back at my own expense. I will even drive somewhere and hand deliver. What I will not do is pay them for the tablet. i did not have to pay for the phone I returned, my mistake was not shoving the tablet into the box even though it was marked for the phone only. Please note the date of their latest collection effort XX/XX/XXXX, which further proves that I have been fighting with them and their various collections agencies since my decision to terminate XXXX  in XX/XX/XXXX.
I contacted XXXX, Experian, and XXXX concerning some medical bills and a XXXX account reporting as collections on my credit report. I notified each credit bureau that these items do not belong to me and are reporting on my credit file in error. I received notification from the credit bureaus that these items were verified and that they are to remain on my credit. I responded to their findings with a request to provide me a copy of the individuals, date, time, and address to the person/s that verified this information because if indeed the did a proper investigation, they would not have verified that these items belong to me. After my 3rd contact, they have ceased responding and the issue of 3 items reporting on my credit in error remains. The Fair Credit Reporting Act gives me protection that I will have an accurate and fair credit file and XXXX, Experian, and XXXX are in violation of my rights under this law.
They called me. I played along knowing I have no debts and I follow my credit rating monthly on top of that. They are perusing a debt from XXXX that was my ex wife 's and even though it is well past the XXXX, the debt by divorce decree is solely hers. 

They threatened legal action, to sue me and at that time I attempted to get an address. They would not comply as i simply wanted to file a cease a desist order along with some other recommended forms such as proof of debt and so on but they would not give me an address so i told them I cant help them. 
The next day I get a text from my brother telling me someone called him saying i was being sued. I then called them back to push harder for an address and company name and managed to get one if it is even correct. 

I am a fully XXXX vet on top of that and i know vet XXXX and XXXX have special laws, not sure if any fall into this though. 

Please let me know what you need from me.
I 'm showing on my credit report that I owe a balance to XXXX XXXX XXXX XXXX, but I never had phone service with this company. I do n't recall them notifying me about this situation. There is also no evidence to prove that I had service with this company. No billing statements or anything.
After banking with Citibank for over 3 years, I discovered this evening that I could not use my debit card despite having a Citibank verified balance of {$900.00}. When I called Citibank, I was informed that the Texas branches had been bought by XXXX XXXX XXXX and as such, they, Citibank, could not allow access to my account. I was told I was notified of this via mail, though no certified letter or any correspondence showing I had received notification could be provided. Upon speaking to a supervisor, no remedy was available other than talk to the new bank tomorrow. I do n't feel I am overstating to say that this " customer service '' is tantamount to theft. Citibank allowed me to deposit my entire paycheck into my account 3 days ago on Friday, and on Monday denied me any access to my money! Like many Americans, I pay for most everything by debit card and rarely carry cash. How can a bank hold a persons money hostage, with no explanation other than I 'm sorry but we sent out letters? Ridiculous!
I filed an complaint with US Bank on XX/XX/2015, I advised US Bank that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure US bank are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise US Bank company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that US Bank are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If US Bank fail to respond in writing, signed by hand, in a timely manner, I will assume that US Bank are in error and this matter will be challenged. As US Bank further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and US Bank claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, US Bank have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.
I had a mortgage with Santander Bank that was refinanced with XXXX XXXX on XXXX/XXXX/XXXX. Santander Bank automatically withdraws the mortgage payment on the XXXX of every month, from my Santander checking account. Santander withdrew my XXXX mortgage payment on XXXX, XXXX/XXXX/XXXX totaling XXXX from my Santander checking account ( see attached mortgage statement ). My checking account is now overdrawn. I contacted Santander Bank yesterday XXXX/XXXX/XXXX and today XXXX XXXX/XXXX/XXXX and they claimed the payoff funds were not received until Monday XXXX/XXXX/XXXX the day the mortgage payment was withdrawn from my Santander checking account, and although my mortgage with Santander is closed they can not ( or will not ) return the XXXX to me for at least 10 business days, and via a check in the mail. This is unacceptable ; my checking account is overdrawn and I need money for daily and weekly expenses. I want the XXXX mortgage payment automatically returned to my Santander checking account immediately. In addition, the payoff from XXXX was higher than the ending principal balance of my loan with Santander and Santander says it will also take at least 10 business days to calculate the refund to me, at which point they will mail a check to me. Why so long? That is also ludicrous and I want to see that money come back to me as soon as possible. Because of the personal information in the XXXX refinance paperwork I am not attaching the file but can provide that paperwork if needed by BBB which shows that the refinance took place on XXXX/XXXX/XXXX. Thank you for your help with this issue!
I'm traveling overseas and I've been locked out of my account so I can't pay the credit card. However, I'm being charged {$25.00} late fees now ( I know this through my XXXX account ).
A few months ago I pulled my credit and notice XXXX XXXXXXXX XXXX is reporting a balance of {$690.00}. I've sent out letters to this company asking to verify this debt because I have insurance that covers my visits and know I should never have a bill this much. Along with a lot of other things I asked this company to send, I also asked for a copy of the hospital/dr office agreement with my signature. I have not received anything but a print out of a balance they claim I owe. My file always tend to get mixed with my sibling file a lot at the the doctors office/hospital ALL the time! How do I know that this debt is mine?? Because this company have failed to validate the debt properly and yet still verify the debt with the credit bureaus, they have violated my rights. These rights were put in place by the FCRA and the FDCPA. I have given this company enough time to send the proper documentation and they just simply ignored my request. They have failed to validate the debt, but still verifying the debt with the credit bureaus, and are still attempting to collect the debt.
XXXX from Experian/XXXX states that I do not have the right ( by federal law ) to dispute or put in an investigation on credit inquires that were not authorized by me That all credit inquires will stay on my credit for 2 years whether there verified as valid or not
On XXXX XXXX, 2017 a debt collector called my work looking for my boss they call almost every day we forward the messages to our boss but that does n't seem good enough for them today he called 4 with 1 to 3 seconds apart each phone call the first two phone calls he yelled and screamed at me told me to do my job to get my boss to pay the debt I explained to him that I ca n't make my boss do anything I 'm not on his checking account this debt has nothing to do with me and he should not be talking to me like this I hung up the phone he immediately called back his tone was even worse the fourth phone call I recorded with him yelling at me telling me that it 's all my fault with you here in the recording down below I then contacted the company to put in a complaint myself the company said it is quite OK and OK for the company to talk to me this way basically I allow my boss to go without paying his bills he called my boss a scumbag at that point in time I knew I was not gon na get through to these people and I hung up the phone I think that person who he said his name was XXXX is the same person that calls here every day looking for my boss The company name is Pam am debt collectors as I stated above this debt does not belong to me but the man got very abusive with me over the phone several times on the date listed
TO, CFPB I have checked my credit report and found that all my credit is missing. I have utility bill s payed, I have car insurance payed for 4 years, I have apartment payed for for two years faithfully, and phone bills, cable, an inter net. I would Like to re submit all the bills and information.