WillisBack/dataset-financial-user-claim huggingface dataset:
I do n't even know where to start. I have disputed this on consumerfinance.gov multiple times. There is INCORRECT information on my Equfax report that no one seems to be able to correct. Equifax says they verified with XXXX ( # XXXX. ) XXXX ( # XXXX ) says they do n't handle credit card divisions of the XXXX XXXX XXXX XXXX , XXXX and XXXX XXXX . XXXX gave me another phone number to call, and they answered identifying themselves as XXXX ( # XXXX ). They told me to have them do a credit bureau inquiry for my accounts. The first XXXX ( # XXXX ) phone number XXXX said they do n't understand why the credit report has their phone number. THIS is the XXXX ( # XXXX ) that is showing incorrect information. They said they ca n't see my actual account to confirm I have zero balance. They gave me number to another XXXX ( - # XXXX ) XXXX who tells me they have the same information that I have showing zero balances, and dont have any idea who the " other '' XXXX ( # XXXX ) isXXXX XXXX # XXXX ) tells me to dispute this discrepancy, which I have through consumerfinance.gov and directly with Equifax. Equifax tells me to call synchrony bank and have they make corrections. These errors have caused my credit score with equifax to drop by XXXX points. I have been turned down for a loan due to this. XXXX told me to write to to FCRA. When I look up information for FCRA- it sends me to -- XXXX! 
I have a zero balance with XXXX XXXX and XXXX XXXX. My balance with XXXX is incorrect. My good credit standing with XXXX XXXX showing a {$5000.00} credit limit paid in full has disappeared from Equifax ONLY & gt ; I am at wits end. I will contact he consumer reporter at the news station and see if they can direct me somewhere that can help. I expect consumerfinance.gov to be able to figure this out. The letter I received from Equifax today says they " verified '' this information with XXXX and it is staying on my report Obviously they did not verify anything.
This credit card company decreased by credit limit and then hit me with a finance charge ( $ 400+ ) for a purchase sometime ago. For a credit card I rarely used, now my balance is over the limit and I will continue getting charged due to the face that they decreased my limit at the same time they hit me with the finance charge.I have never had any late payments or issues. 

I'm not complaining about the finance charge, I'm upset that they lowered my limit and then hit me with the charge so they could collect even more. How is that allowed?
I applied for a chase freedom credit card. I was approved and mailed the card. After about two weeks of having the card I went to use it and the transaction was declined. I had never used the card before so I called the automated number for balance information and it said that the available balance was XXXX. I called customer service and was told that all the credit had been used on a balance transfer. I unmediated reported this as fraud as I had never done a balance transfer or used this card. I followed up and was told that the fraudulent activity was removed from the card and a new card was issued. I began using my card. I receive a bill and see that the fraudulent activity is still on my card. I call faud services and they say that an investigation reviewed that the charges were valid as the transfer was to an account in my name. I once again dispute this as I do not have an account in my name to transfer to. They provide new details. I have been transferred from XXXX department to another with no resolution. It has been 4 months since the fraud happened and I do not want to keep making payments each month for fraud activity! I would like to pay and close this account but can not because of these charges.
I have had a mortgage with Chase for almost 20 years. A couple of years ago I opened an " Ink '' business credit card account with Chase. After receiving the new card, I phoned their customer service to merge the credit card account with my existing mortgage account so I could access both with a single login to their web site. They did not inform me at the time, but in doing so they actually created a *new* online profile for me, and in the process they disabled the automated ACH payments I had set up to pull my mortgage payment directly from another bank on a monthly basis. Although I eventually realized there was a problem after reviewing my bank statements several months later, several of my mortgage payments were late due solely to Chase 's own actions, and these late payments are now reflected in my credit report. I attempted to contact Chase to have them resolve the blemish they caused on my credit report, but they would not. I attempted to dispute the issue via a credit reporting agency, but again Chase refused to accept responsibility.
My home is in foreclosure, and despite the fact that in XXXX, Caliber/XXXX Master Permanent Trust informed me that they were the new creditor/assignee of my mortgage, there is no recording in land records as to this day to support this, and further, XXXX, the supposedly " former '' loan holder still continues to be listed as the plaintiff in the Sheriff 's sale. I suspect that Caliber may be deliberately not recording recent changes in mortgage assignments to further enrich themselves, ( by avoiding paying the real estate recording fees ) and at the same time to shield themselves from legal action, as technically, XXXX is still the plaintiff. I feel that XXXX and Caliber are in colusion.
I am trying to stay on a rate reduction program because my monthly payment is XXXX My student loans got out of control when my school closed and did not return the money and i started to deffer my payments which only added capitalized interest. I need help because my schools closed before i could finish XXXX school and did not return the loan money to the school. All the money was disbursed to the school first. The school was XXXX college of XXXX  in XXXX, CA. I need help with a possible discharge and lowering my payments.
Company called NCC Business Service # XXXX says I owe them money. I do not owe them money. I have never been contacted by them personally saying I owe them anything. Nor, any company they are associated with have I ever received anything about owing them debt. Please help me thank you. They sent to XXXX to ruin my credit on XX/XX/15 for XXXX. I owe NCC Business nothing.
Even thought I already reached out to your agency regarding Bank of America unjustified fees applied to my mortgage payment, the bank is still requesting that I send a XXXX fee in addition to my monthly mortgage payment.
After discharge of a chapter XXXX bankruptcy, where the XXXX lien was stripped by the court, due to the declined value of the property, the XXXX lien holder filed a motion ( subsequently granted by the judge ) to re-open the bankruptcy as they felt they had not been notified of the intent to strip the lien. This in all likelihood was due to the XXXX lienholder failing to record the lien timely. However, i was not notified by the XXXX lienholder attorney that a motion was filed. The mortgage company never notified me of any issues, the mortgage company 's counsel never served me, I found out about the motion through the title company while trying to close the sale of my house. The sale has now fallen through due to issues with a clear title, so now i have not only lost the sale, but am also responsible for the buyers appraisal and inspection fees.
Lender : Access Group ; Loan service provider : XXXXPrivate student loan. 
My monthly payment amount adjusted ( based on repayment schedule ) and I contacted customer service via telephone to verify the new payment amount ( then made a payment for that amount ). The following month I received a statement indicating that I was {$.00} delinquent on my account and that a {$10.00} late fee had been assessed. I then contacted customer service via phone again and was told that my {$.00} overdue amount had exceeded my contractual 15 day grace period and that they would not waive the late fee.
Third District Court has issued a Pretrial court date on XX/XX/XXXX at XXXX which I will provide the Judge XXXX the first police report of my home being broken into by criminals after I was threaten to not to go to the police and the second police report in regards of my XXXX  accounts being taken over and fraudulent checks deposited and then used by criminal without my knowledge and then asking the bank to do a FRAUD investigation in which XXXX assumed I gave out my password which is FALSE there is just too many issues surrounding this case and NAR inc lack of disclosure to the courts that I am XXXX on XXXX benefits and all my assets are judgement proof. Secondly, NAR inc has withheld information to the courts of fraud stating there was no Fraud so I submitted to the courts copies of all the FORGERY checks put in my name that were documented by their client XXXX. Additionally NAR inc previously ignored my Debt validation letter stating it was frivolous even the though the law states clearly under the FDCPA of my rights to dispute the debt and collection activities must cease regardless if they feel the letter was generic it should have been honored especially considering there was FORGERY CHECKS on file. The verbiage was legal and they willfully ignored the law and pursued collection attempts anyways. Furthermore, they have notified the courts of a false alleged attempt of serving papers when I wasn't even in the state of XXXX  after having my life threatened I left and went to XXXX for a period of time for my safety. As of now the Third District court after receiving the copies of FORGERY checks, and the fact I wasn't in XXXX  set ASIDE the judgement and issued a court date XX/XX/XXXX at XXXX. Which I intend to explain to the Judge in full detail of the situation and information being withheld including the second police report which I will have in court. NAR inc needs to be investigated by the XXXX  attorney general office for its shady and bad collection practices. I went to XXXX reviews there is countless back to back complaints of consumers seeking help with filing complaints against NAR inc.
Experian still has showing on my credit report an unauthorized inquiry from XXXX XXXX XXXX dated XX/XX/2014 after they stated it was not showing on my report. I need for this unauthorized inquiry be removed once and for all.
XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on 2 accounts in the past 7 years. Citi reported my account negative XX/XX/XXXX, the month I filed Chapter XXXX. 

I filed a dispute through XXXX and they removed ALL payment history but left the Negative reporting on XX/XX/XXXX. 

This is showing as a negative account on my credit report and is absolutely not correct I was not late/negative/delinquent at all in XXXX or XXXX and it should not be reporting negative. 

My reports do show " Debt included in or discharged through bankruptcy chapter XXXX, XXXX, or XXXX '' however the negative reporting on any months where there was no late payment made should be removed. 

I am attaching copy of my credit report for XXXX to show what I mean by negative payment history.
I was out of work for about 6 months. after contacting the Credit Card Co Cap One, I was hoping to have my fees reduced due to late payments, but I was advised they do not offer this service. So after getting back to work I contacted them again, lets work to reduce the APR from default of 29. % to something manageable till I can catch up. Again sorry we do not offer this. So what are my options I asked? Credit counseling and debt consolidation? Not asking for much just a temporary solution.
I have contacted  XXXX   XXXX  wit h two lett ers, which first was mailed  XXXX   XXXX ,  2017  and second one on  XXXX   XXXX ,    2017 requesting Identity Theft Block in accordance with Section 605B of the FCRA and they clearly are refusing to block all the information I sent them by mail twice, with USPS Certified Mail with Return Receipt. They sent me a letter stating the declined due to eith er : a ) Been made in error, b ) is a misrepresentation of material fact relevant to the request to block. I have no idea what they mean in ( b ), but this definitely is not an error. I am a victim of identity theft and do n't understand what this is about. I want these block with accordance to Section  605B  of the FCRA.    XXXX   XXXX  is clearly violating my FCRA rights. I am uploading both letters I mailed them and the return receipts.
I had a second mortgage loan originated by XXXX XXXX XXXX that was included in a bankruptcy filing in XXXX. XXXX XXXX XXXX subsequently sold/transferred that loan to Green Tree servicing company. The loan was discharged in bankruptcy in XXXX XXXX and account was closed by Green Tree. I received a letter from Green Tree at that time confirming that the loan was discharged in bankruptcy. 

Three years later in XXXX, Ditech ( which had merged with Green Tree ) began submitting false information to the credit bureaus stating that this loan was active and that I was " missing payments '' on four occasions, two months in XXXX and two months in XXXX. The loan number shown on the credit reports is the same loan number as the Green Tree mortgage loan. 

I have spoken to Ditech on the phone and they refuse to acknowledge or verify any of this information.
I WAS ASSIGN AS AN AUTHORIZED USER ON TWO ACCOUNT WITH SYNCHRONY BANK, ONE WAS XXXX IN XX/XX/XXXX & XXXX XX/XX/XXXX. WHEN I REPORTED THE XXXX OF THE PRIMARY ACCOUNT HOLDER I WAS TOLD THE DEBT WAS MINES AND I WAS RESPONSIBLE. LOOKING BACK ON THE MY CREDIT REPORTS XXXX (  {$4100.00} ) IS LISTED AS AUTHORIZED USER WHICH TO MY UNDERSTANDING SHOULD HAVE NOT BEEN LISTED AT ALL ON MY CREDIT REPORTS AND LATER THEY LISTED IT AS A JOINT ACCOUNT, AND XXXX ( {$3200.00} ) IS NOT LISTED AT ALL UNTIL AFTER HIS XXXX. I HAVE PROOF OF DOCUMENTS AND REPORTS. WHICH I HAVE BEEN SUMMONS TO COURT.
XXXX XXXX XXXX, XXXX VA have claimed for medical services but they provided lab services and sent bill to wrong insurance company which is the parent company of XXXX XXXX XXXX XXXX XXXX. The insurance company paid lab portion of the bill but not medical services. I have asked the XXXX rep about it. They told me to provide my Insurance ID and Copy of my Driver license once again and they will correct it and I did. 
Two bills one for me and for my wife {$89.00} each for medical service but we both went to get the lab work done which is covered by our insurance. Our primary doctor covers all medical services and our insurance pays 100 %. XXXX XXXX told us they participate with our insurance and the bill will be covered. XXXX XXXX XXXX never called or send us the final bill showing if insurance didn't pay after their submittal or what portion of the bill is paid by insurance. Instead they have sent it to collection agency. This is totally unexpected behavior from a reputable company like XXXX. If we owe or didn't call them than they could take action as needed. They ignored to inform us or made any attempt after my submittal of requested documents.
I am the XXXX and about two years ago we decided to open a Commercial Revolving Charge Account with Home Depot. I had to give my social security number and run my own credit to apply for the credit card. For billing and payment purposes, I gave the mailing address of our Management Company. I recently found out that the Management Company has not been properly managing the billing of this account and some individuals of the Management Company have been talking to the credit card representatives to make adjustments to the charges made to the credit card. Since the credit card information has been exposed to individuals who I do not know and some of them have left the company, I decided to change the mailing address and account number of my credit card for security purposes and start directly receiving the bills. It is here when the nightmare started. 
First, I tried to speak in XXXX but this option was a joke. ( Please, call XXXX and you could verify that the option to talk in XXXX does n't really exist and just skips to English ). 
I decided to speak in English and they were very rude, sarcastic and they were not cooperative with my request. They told me that I had to send a fax from a Home Depot store requesting the changes and I did it. ( Copy and proof of fax is available upon request ). Then I also sent the letter by regular mail and I went to the store where I applied for the credit card but the costumer service over the phone was not even cooperative with store to resolve this issue. 
More than two weeks after my request, I have not received the new credit card yet. I called again today, XXXX XXXX, 2016 and I was informed that I had to fax the request again and they mentioned new requirements in a piecemeal fashion. 
I feel that my rights have been violated and I have been discriminated against the use of my own credit card. I have not been allowed to own and manage my own account ; meanwhile they have been giving authority to other people to make decisions and changes to my credit card without my consent. 
I also feel that I have been disrespected and they are intentionally delaying the process to get my new credit card after I complained for the lack of security and poor customer service, and they have been reluctant to help me upon my request.
Can my debt collector place a lean on my daughters car that i co-signed for her? 
A debt collector bought a credit card debt, got judgment in my absence and is trying to collect it by placing a lean on my daughters car that i cosigned for her. she pays the car loan and I do not own the car. Is it legal for the judge to allow them to place this lean on my daughters car?
My child support XXXX  will not allow me to access my online account. Every time I call the wait time for customer service is approximately 90 minutes. Money is missing and they can not explain why? There have been several times I know there is money there and my transactions are declined and I can not access my account nor will they stay on the phone long enough for me to dispute my transactions the phone " suddenly cuts off. '' I am beginning to think this is a scam so that people do not have access to their accounts and have no way of knowing where the funds went or report fraudulent activity. 

I will need an investigation into this.
My husband needed XXXX XX/XX/XXXX, ( XXXX ) the XXXX office wanted the money up front but we did n't have that kind of money. They suggested for us to call " care credit ' to see if we would be approved, they then would apply the billing inquire to them. We got approved. I have been paying the bill on time, XX/XX/XXXX, the bill said the promotion was going to be over if we did n't ' pay it in full?!? We would get charged the back interest. This was not reiterated to me at all not was it any where in the paper when we received the cards. Is this practice legal? It 's going to cost me double and I do n't think it 's right for them to do this. Is there thing I can do to fight them on this? Help would be much appreciated. I have all documentation of payments and so forth. It was never stated when we were signing for a short promotion until I got this past bill. 

XXXX, XXXX XXXX
i received a bill from Convergent Outsourcing Inc. saying that I owe pay pal the amount of {$390.00} as of today 's date I have not received verification of this debt and they are attempting to collect and I have no idea when this debt was and if I truly owe this bill. This debt has to be more than 3 years old and has passed the statue of limitations on collecting as of today 's date I have not received a bill from pay pal to pay nor have they contacted me to do so.
I fell behind on my payments, after XXXX and eventually entered a payment agreement with Discover Card. I authorized them to take the money out of my account automatically by giving them my account and routing number. I saw in my bank account that for 4 consecutive months the debits were taken out in the form of an automatic check. Suddenly, 7 or 8 months later, I received a letter from an attorney saying the account was charged off and placed with them for collection. I called Discover and nobody could explain what had happened, until finally I got a hold of a manager who said the account was charged off on the same day that I was put on the payment plan and that the representative should not have put me on a payment plan. They said they called back to advise me of that but I never received the call. I assumed everything was settled since the money was being taken out of my account each month. Discover now claims that I was mailing in checks but no, the money was taken out of my account through whatever authorization I gave the representative over the phone when the agreement was made. Discover says that now that the account has been referred to an attorney there is nothing they can do about it. I do n't understand how the company can simply say that it made a mistake and should never have entered into an agreement and how it can choose to cancel that agreement without informing me of its decision and while taking payments from my account. At this point, I do n't even know if the payments were credited or not.
I 've learned that all of my information with equifax belong to someone other than myself. My drivers license was stolen, social security card & a copy of my birth certificate have been made. To began with my parents are deceased yet their social security numbers are being used by   XXXX   XXXX  . She once lived with my late father, his name is   XXXX   XXXX  . His social security number is  XXXX . He have been deceased since  XXXX . I reported his death to the social security department. He was a veteran. My mother name is   XXXX   XXXX   XXXX  , she have been deceased since  XXXX . My mother social security is   XXXX   it is still active. A seven year fraud have been placed on   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  . My youngest child have a   XXXX   XXXX   & he is a substance abuser. His name is   XXXX   XXXX   XXXX  . His social security number is  XXXX , his date of birth is  XX/XX/XXXX . He born in   XXXX   XXXX    at   XXXX   XXXX   hospital. He received social security benefits, all that is not being by someone spelling my name as   XXXX   XXXX   XXXX   &   XXXX   XXXX   they ate stealing hold support benefits from social security. The  XXXX  Family is using   XXXX   XXXX   to steal tax returns & my social security benefits. Wire transfers are being done for IRS to deposit refunds into their account with  XXXX . The   XXXX    belongs to  XXXX . Maker U S Treasury  XXXX .   XXXX   XXXX   XXXX   is - XXXX . A  XXXX  employee changed the last digit on my drivers license number on a check   XXXX   XXXX   sent me.
First, the only complaint I have about my bank, Wells Fargo, is that they will not pursue these criminals legally. Otherwise Wells is very good about returning the funds. 

I received a {$180.00} fraudulent charge that shows on my statement as " PURCHASE XXXX XXXX XXXX XXXX CA XXXX ''. I called the number and it is a message representing that one has reached XXXX, but it is not XXXX! I XXXX it and they have been fraudulently charging a lot of people. Fraud of this size warrants investigation. How hard is it to find an address on these people through a phone company? Show up on their doorstep, arrest them and stop this fraud. 

Please put a stop to this.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.