WillisBack/dataset-financial-user-claim huggingface dataset:
Back on XX/XX/XXXX, I began looking into my credit report because I wanted to make sure I was credit ready for loans. I reviewed my report and it was 90 % flawless. The only thing on my report that was derogatory was a paid collection that was reporting across all three credit bureaus. The only problem with that, is that it did not belong to me. The account said that it was a collection for a XXXX XXXX XXXX. Neither me, my wife, nor any of my children have ever been to XXXX XXXX XXXX. I 've never even heard of them. I swiftly disputed the account with all three credit bureaus. Within 30 days of my dispute I received a notice from both XXXX XXXX and XXXX  showing the account had in fact been erroneous and deleted from my credit report. I did not receive a similar letter from Equifax. I received no letter at all from Equifax. It has now been nearly 4 months and I have yet to receive any notification of any kind from Equifax. This is not the only time this has happened in my househould. My wife had the same problem from Equifax and she started the process long before I did. She started in XXXX of 2016. She even attempted numerous times to no avail. Ultimately she had to contact you and file a complaint on XX/XX/XXXX of this year before Equifax decided to actually respond and delete accounts that did not belong to her and had been deleted by the other 2 credit bureaus months prior. I do not feel like waiting 7 months. Because of what my wife went trough, I did research on this matter and found out that the F.C.R.A. only gives Equifax 30 days to complete a reasonable investigation as well as mail me written results of the investigation. It 's been more than enough time and I will not put up with any lame excuses from Equifax stating that they felt the letter came from a credit repair company so they ignored it. If they do not delete the account from my credit report I will sue them as this has literally cost me plenty of business opportunities as I am a business owner and need my credit to complete large transactions.
Conns calls repeatedly, even after I spoken with a rep and asked them to stop the constant phone calls, I was told I would still receive the phone calls until the bill is paid in full. And they call from a bunch of different numbers constantly back to back and have called my job as well. Pure communication harrassment.
My wife had insurance with XXXX XXXX and she let it lapsed due to the expense of this insurance. My name was on the policy due to she had to list everyone in the residence that had a drivers license and drive. I sent a validation letter to Credit Collection services to verify this debt. On XXXX/XXXX/2015 I received the attached note, stating they had spoken with the creditor and they said it was my account. As you can see by the attached file this is not a violation but the refusal to send documentation verifying this debt. The Actual policy was created and was my wife policy.
Loan Date Amount of Loan XX/XX/XXXX {$12000.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Many calls were made to Navient to have them explain how the Unpaid interest and Unpaid fees were calculated. In addition, the request for how the accrued interest was also calculated. During this time payments of interest were paid and sometimes additional money was sent to reduce the principal. I was unable to identify how the interest and additional payments were applied. On occasion the difference was rolled into the principal.. I have analyzed each of the accounts from inception of the loan and I am unable to account for roughly {$25000.00} that of payments that were made. As of this day the loans have been satisfied through another company. I am having a hard time getting the pay off letters that state that the loan has been fully satisfied and the amount that was paid off. I am aware that Navient is involved in a class action suit and I would like to be included in this suit based on my research.
Ok I have never missed a payment on anything but my credit score drops when I accumulate some cc debt. I always pay my bill and more than the minimum. My dad has the exact same name so I think I have millions of dollars out there but all paid? why would my credit drop
My wife applied for a credit card with Chase and was denied. When we received the denial letter, Chase had denied HER application based on my credit. My wife used her social security number, date of birth and income information. None of my information was included on the application for the credit card, only my wife 's info. When we received the denial letter, it stated the card was denied due to MY credit, when none of my information was on the application, and Chase did not have permissible purpose to pull my credit. I am concerned this unwarranted credit inquiry will negatively impact my credit score. The Chase reference number on the denial letter is XXXX sent onXX/XX/XXXX. The application was made by my wife onXX/XX/XXXX. The card was denied due to a bankruptcy that is on MY credit only. My wife did not file for the bankruptcy that is reported on my credit. Thank you.
in a letter received dated XXXX XXXX, there is information having ( XXXX being one of the parties name in letter ) that property located at XXXX XXXX XXXX XXXX XXXX, was sold at the Courthouse door of XXXX County , Georgia . during legal hours of sale.However, the Courthouse door of XXXX County Georgia was not lawfully designed as an alternative for sale and was not mentioned in the Notice of Sale XXXX XXXX was able to view in a letter dated XXXX XXXX, 2016 from XXXX XXXX XXXX ( McCalla Raymer Pierce , LLC. ) Also, The letter dated XXXX XXXX it stated XXXX was hereby notified that possession was demanded by XXXX who now owns the property.The letter also stated " If possession is not relinquished Immediately, dispossessing proceedings will be initiated to evict XXXX XXXX the other parties.XXXX also received a letter stating that the landlord has filed a lawsuit against XXXX XXXX and XXXX XXXX received another notice being a defendant and XXXX being Plaintiff ... .Another complaint XXXX XXXX has is if an eviction occurred and XXXX was landlord then all court records including property taxes, tenants and joint surviivorship ownership of property should show evidence that things where handled properly and legally by these companies.
I sent a DOFD letter to Equifax on XXXX/XXXX/16 via certified mail that was received by them on XXXX/XXXX/16. I have not received a response and, therefore, according to FCRA such items should now be removed from my report. There are several inaccuracies in this credit report including : 1 ) A collection account showing with no creditor name, 2 ) Various student loan installment accounts showing as opened that have been closed for multiple years and 3 ) Student loan accounts that are currently paid as agreed showing as collections. 
As these disputed accounts have not been investigated and responded to within the 30 days allotted by Federal law, according to FCRA, I am respectfully requesting that all items on my DOFD dispute letter dated XXXX/XXXX/16 be removed.
XXXX XXXX XXXX provided a mortgage payoff statement showing {$68000.00} was due in order to complete a refinance of the mortgage and pay off the existing loan. The payoff was provided on XXXX/XXXX/XXXX and was good through XXXX/XXXX/XXXX. The refinance closed on XXXX/XXXX/XXXX and the full amount ( {$68000.00} ) was sent to XXXX XXXX Services. A few weeks later they began calling me saying i still owed $ XXXX. However, they will not provide details as to what that $ XXXX relates to. They wont provide a detailed statement, but instead are requesting payment in order to prevent my account going to collections and negatively impacting my credit score. I just called them again today in return to another one of their calls and they are still unable to say what the $ XXXX due relates to. I have a copy of the payoff statement they provided and proof those funds were provided to XXXX. At this point i dont know what else to do.
On XXXX XXXX, XXXX I received a letter from Wells Fargo stating that they were releasing the lien on my XXXX mortgage with them. They stated they were releasing me from any obligation to make payments on the loan now or in the future. On XXXX XXXX, XXXX Wells Fargo recorded a Full Reconveyance with the county recorder 's office granting me sole title to my home. Relying on their statements, I believed that my previous loan and account were closed. On XXXX XXXX, XXXX I received a notice from Wells Fargo, XXXX XXXX XXXX, and an attorney representing Wells Fargo that they had referred a loan in my name to foreclosure. The account number listed was not one I had ever opened or authorized. It did not correspond to my previous mortgage account number. I wrote Wells Fargo by certified mail on XXXX XXXX, XXXX, notifying them of the error, and notifying them that my previous mortgage account was closed, and that I had not opened or authorized any subsequent accounts. On XXXX XXXX, XXXX they wrote me, stating they would resolve the issue by XXXX XXXX, XXXX. I have had no response from them since, and they have not corrected these mortgage servicing errors. I filed a police report and FTC identity theft report when I discovered Wells Fargo was reporting to the credit bureaus a mortgage account in my name that I did not authorize. On XXXX XXXX, XXXX I sent a credit report dispute notice to Wells Fargo by certified mail, providing proof that my previous loan was current at the time it was closed and that I had not authorized the loan they state is in default. I have received no response. On XXXX XXXX, XXXX I again wrote Wells Fargo by certified mail requesting a reply to my XXXX XXXX notice of mortgage servicing errors and XXXX XXXX notice of credit reporting errors, and supplying further proof that the account they state is in default was opened without my authorization after my previous mortgage account was closed. I have received no response. Wells Fargo continues to state that my home is in foreclosure on a loan I did not authorize. Despite my repeatedly submitting proof that I no longer have any accounts with them, that they no longer have a valid lien on my property, and that they used my identity without my authorization to create a new mortgage account, they continue to report to the credit agencies that I am delinquent on XXXX separate XXXX mortgages for the same property. They also refuse to stop foreclosure proceedings against my property, even though they have no valid mortgage or lien on the property.
Back in XX/XX/2018 I made a payment on capitol ones mobile app. The app showed that the payment had went through. It credited my account the money and my credit linit showed XXXX again. This was my first true credit card. So i was unaware that some card companys for whhatever reason will sometimes take several days to pull this money from your bank account. I stupidly assumed that the payment had cleared my bank account based on the app showing my credit line was restored to the original amount. I was wrong. By the time the payment did go through my bank the money was not there. I do accept responsibility. I should have checked my BANK ACCOUNT and not relied on the capitol one mobile app. BUT my problem is this ... when the payment did not go through i had already used my credit card again. So when capitol one didnt receive the payment they tacked it back onto my card so now i owed them over 300 dollars on a XXXX dollar credit limit card. To my credit. The payment that was attempted was 3 weeks EARLY. I immediatly started paying the owed amount down. The entire time i had this card i NEVER missed or was late on a payment. Even after they put a hold on my card and informed me that i was fraduently using my card??? How am I a fraudulent user? I made a mistake. Never missed a payment. Never late. I called capitol one to find out what i needed to do to fix the problem. Informed them what happened. Explained it was a misunderstanding. I took responsibility for my mistake. The fraud department was very rude. Did not care what i had to say. Capitol one treated me like i was a criminal. Took no responsibility. Even though they are not supposed to credit my account until the payment has cleared my bank account. I payed off the rest of the balance over 4 months to show i could make my payments on time ect hoping capitol one would see reason. They closed my card as soon as i payed my last payment. The real bad part is no other secured cards will even touch me now. I feel as though capitol one has black balled me in the credit card world for no reason. They refuse to see reason. If i was trying to commit fraud i deffinitly would not have paid you back. Made my payments on time. Look at the proof sitting right in front of you. My payment history. The payment you say is fraud was being made 3 WEEKS EARLY.
I sent a letter to Macys ( Citibank ) requesting they provide me with evidence, bearing my signature, that i ever had a contractual obligation with them. they did not follow the FCRA 623 ( a ) and FDCPA 807, in which they should have placed a dispute on my credit reports within 30 days and supply me with documents bearing my signature. I have made several attempts requesting this information. They also disputed any other accounts i have with them and placed " updated '' information on my credit reports about accounts i was not requesting information about.
I have made several online loans with this lender. My most recent loan in the amount of {$1500.00} will be due on XXXX XXXX. Normally I login to their website and refinance the loan, pay down the original loan by 50 % or more. Today I tried doing the same as with my previous loans and was denied the opportunity to refinance?? This came as total surprise. I have never been late or ask for any type of assitance in repaying one of their loans. There is no way I can repay the entire {$1800.00} next week. Is this some type of setup on their part to create more finance charges and or late fees? I have attached a copy of the loan document, denial form, and loan history page. They may also being pulling a credit report each time I apply for a loan or request to refinance by paying additional money down.
I have been trying to to resolve XXXX credit card accounts by paying smallaount for each of them But Citibank has been sending their formattedletters without any specificity or without letting me know about myproposal. They say they responded before but their response isuseless. I hope this time they let me know if they will accept total {$1000.00} for settling both accounts.
I was contacted on behalf of Chase Bank by XXXX XXXX XXXX to collect on my outstanding debt. After an agreed upon settlement amount, I was told that if I made a payment over the phone with them through a check, my check would be written directly to Chase Bank and not XXXX XXXX XXXX. I had XXXX specify this. When my check was cleared through the banking system, the image of my check said 'Pay to the order of XXXX XXXX XXXX '. I still have not received confirmation from Chase that my balance was settled and paid in full with them.
Several Months ago I contacted Trans Union about incorrect information on my credit file. 
I Mailed in evidence to correct my personal information such as a Driver license, Social security card, Marriage certificate and a copy of a lease. Trans Union did not correct my personal information, they kept the old incorrect personal information that does not belong to me on my file and added the information to the file in which I sent. In addition I am also an identity theft victim. Lastly, XXXX was given the same information years ago but Trans Union will not update. Please help.
We applyed for home mortgage about 2.5 months a go with Chase mortgage. We had meeting and we thought every thing is good to go, got better rate and closing cost was discussed and at the end we end up homeless for about 12 days and still do not know when will be closing for my house even paying higher rate or more closing cost. Was all just talk.We are chase customer for about 25 years but never though of such a bad service from Chase. So may phone calls to so many supervisers are usless.need help
At end of business on XX/XX/2018 my account was overdrawn by one cent and I was charged a {$35.00} overdraft fee because of that. They advertise {$5.00} overdraft pass but apparently since the item that overdrew my account by one cent was more than {$5.00} it triggered the fee. I asked for the fee to be returned at my local branch in XXXX, PA and XXXX said he would look into it on the next day and call me. He never called and never refunded the fee. I tried calling him and still never returned the call.
Date : XX/XX/2018 Time : approximately XXXX On the above mentioned date and time I had an unauthorized purchase transaction commence. The transaction was only for {$4.00} ( {$3.00} ethereum, {$0.00} coinbase fee ) but it was still unauthorized. I had no reason to believe that my phone had been hacked or compromised and no reason to believe my password was compromised. My phone was literally in my pocket when I got the e-mail congratulating me on my purchase. This scared me because it could have been for a lot more money and also could happen again. 

I immediately called coinbase and I got a phone representative whom seemed extremely unprofessional. I actually double checked the number I called and the e-mail to see if it was a scam e-mail and I felt a bit uncomfortable giving my information over the phone to this person so that they could verify me. However the phone number was legitimate and matched with information from the internet so I went ahead and gave the information, after all i needed to stop any future transactions from occuring before they happened. The representative sounded like he literally just woke up and that it was a burden for him to be on a call with me. 

The rep gave me incorrect information saying I could just sell the ethereum back and get my {$4.00} back. I told him i would prefer to have the account immediately frozen so no future transactions could go through. He did this ( note it took him probably 20 minutes to freeze the account while I was on hold ). 

Coinbase did their investigation and on XX/XX/XXXX, at XXXX I got an e-mail from XXXX ( Coinbase Support ), who concluded that " our records indicate that the transaction in question was initiated from within the Coinbase mobile app. '' Also, that they couldn't process a refund. Also with some questions about if my phone is rooted or jailbroken ( which it is not ). 

I have no reason to believe that my phone has been compromised as I hadn't installed any apps for maybe over a month, and no other accounts on my phone appear to have been compromised. I honestly believe that this was an insider transaction from within coinbase to try and steal {$1.00} in fees. Consumers are not likely to make a big deal about losing {$1.00}, however that's very unethical and illegal and I would like to CFPB to investigate to see if this is a common occurence at coinbase. Maybe they hope that most people won't complain about the small fee and target inactive accounts ( my account had been inactive for months when this happened ).
Today I learned that Equifax was hacked. I went on their site and learned that my information was released. Two problems here : apparently I can not sue Equifax now that I have checked this information, and there is no recourse as to how to shut down my information. Let me tell you, I have had my information stolen before, and it is a nightmare to clean it up. I can not imagine how much more difficult it will be now that HALF THE UNITED STATES was hacked. Help us please.
On XXXX XXXX JH Debt Portfolio Debt Equities falsely reported to XXXX that I have a balance of {$5000.00} which dates back to XX/XX/XXXX. They are claiming that no payments were made for over one year. I have verifiable proof that this account has been receiving payments each an every month without fail. The real current balance is {$1700.00}. This debt dates back to XX/XX/XXXX and is not a new debt as reported by JH Portfolios. I contacted them by phone and they claiming the amount is XXXX This is a total fallacy. I have filed an offical dispute the the credit reporting agency.
After noticing a debt on my credit report I sent a letter of validation certified mail on XX/XX/XXXX ( asking for 30 day response ) to XXXX XXXX  and the credit agencies XXXX, XXXX and XXXX for validation. In return I was sent from the credit agencies that the debt was validated ( but provided no proof ) and XXXX sent a bill which is not validation XX/XX/XXXX. I sent a certified letter to XXXX XX/XX/XXXX asking for proof that they validated this debt and again no proof was provided also sending one to XXXX again.XXXX continued to report on my credit report this debt without any validation that I am the person who owes this debt and has since starting sending collection bills still with no actual validation of this debt, no contracts, no transaction history nothing. My certified letter asked for a 15 day response ( sent XX/XX/XXXX ) of validation or for this to be removed from my report and neither has been provided. XXXX and the credit agencies continue to report this debt.
I borrowed XXXX in 2012, I have already paid back XXXX and I still owe XXXX more payments of XXXX the interest rate is 135 %. My car is broken and I ca n't afford a new one and still make this payment. they take out of my bank every month, I ca n't afford to stop paying and them harass me at work and ruin my credit with negative information. I was told this interest rate is not legal. I need help to learn what my options are?