WillisBack/dataset-financial-user-claim huggingface dataset:
I have been actively monitoring my credit through  XXXX   XXXX . In the middle of  XXXX ,   XXXX  , Equifax reported information through  XXXX   XXXX , vwhich resulted in a  XXXX   XXXX  score. Many negative items were disputed by me directly with Equifax via letters. Equifax, removed many of the items due to the failure to verify the accuracy of those negative accounts. However, they also deleted my open and active credit card account, which is in good standing. These actions resulted in a NO SCORE credit file with Equifax. Consequently, I have been denied credit based on information provided by th em ( No  credit experience ). I contacted Equifax a few weeks ago when I first noticed that my credit card account was deleted. I was not able to resolve the issue with them. Since then, I have not been able to speak with anyone. Furthermore, Equifax has continued to update only negative information through  XXXX   XXXX , even inquries as recent as  XXXX   XXXX ,   XXXX   ... .but, not my open, in good standing credit card account with  XXXX   XXXX   XXXX  If I have an account in good standing, which was previously showing on  XXXX   XXXX , I should have a credit score for reporting. I have eliminated the theory that  XXXX   XXXX  is the issue, as the rep from Equifax suggessted since I had purchased a subscription from  XXXX   (  I think thats the name ) and it showed my Equifax score a (  XXXX  ). Additionally, I tried to purchase an Equifax subscription, using the card that they deleted from my file and my subscription purchase did not go through although my card was charged. I feel as if they are only reporting negative information about me and not positive accounts ... and I have no way to regularly monitor my Equifax report to for errors and accuracy. Ive attached files that show that my card was previously showing, but was deleted, along with proof of my previous score and proof that the  XXXX   XXXX  account exist, is in good standing and reported by other bureaus.
This is the second time that Nationstar Mortgage has charged me for an Escrow Advance and my loan is not escrowed.
Dear CFPB, I am writing again because I need to be clear on this issue. As you already aware, I had placed many complaints against Bank Of America trying to take my home. I placed a complaint Last month XXXX and I see that CFPB closed my complaint. Why did you close my complaint allowing the BOA to have their way? On the response from BOA on my last complaint, they stated that on XXXX per dept of justice they sent out a program for me to save the house. I can clearly and truthfully state that this BANK did NOT do such thing. It is the same behavior pattern as before. LIES. How can they just get away treating customers like this? They get caught and fined a hefty amount as punishment and still go around with these lies. We need to get to the root of the problem. I want all copies of letters sent to me on XXXX like they mentioned. I want the BANK to submit to CFPB of all the letters I sent since XXXX of my issues. Lets get to the bottom of this please. We shall see who is lying. Let Bank Of America take me in front of court under oath. Once again, I have been crying for help since XXXX. And this month they will take my home away. 
I DO NOT WANT TO LOSE MY HOME. MY SON 'S HOME ... XXXX 

Thank you XXXX XXXX
I filed an application for a credit card after receiving an email inviting me to open a credit card from TD bank. A week late I received a denial letter from them for the reason stated on their letter of " your income is not sufficient in relation to your amount of debit '' and also stated that my credit score is XXXX. I was astonished by that since I am debit free. They stated on the letter that they got the information from XXXX agency report. I then thought that I probably became victim to identity theft. I then downloaded my credit repot from XXXX website and printed out. The report showed no debit at all in contradiction to what TD bank claim. On XXXX XXXX I called TD bank credit dept. to discus the matter and to ask them to fix this issue. I spoke to costumer service who said her name was XXXX and declined to state her last name. She offered me an apology and nothing else. She asked me to contact XXXX and I tried to get her to be logical saying that I downloaded their report about my credit history and I have it in my hand right now so please go over the line which state that I have any debit and let 's go over it together but she did n't do it simply because the reason they claim does not exist. My discussion with her was to no avail and she declined to put her supervisor on the phone with me. Now I am filing this complaint to bring this institution 's mater to light as I felt discriminated against and insulted by their declining me a credit card.
This bill ha.s been paid over two years ago and shows up on credit as owe. I 've contacted this company for the last two years and they have lied to me telling they apologize and will remove in 7 days. I 've tried speaking to managers but no resolution. I really just need it removed causing me so much heartache. The company is XXXX.
I started taking out loans to pay for my XXXX in XX/XX/XXXX. At the time, I was a XXXX XXXX XXXX. It wasn't until a friend told me about the XXXX Loan Forgiveness in spring XX/XX/XXXX that I knew that I even qualified for forgiveness. On XX/XX/XXXX, Great Lakes acknowledged receipt of my XXXX loan forgiveness application. While I received a {$5000.00} forgiveness payment on XX/XX/XXXX ( and am awaiting word on the other {$12000.00} ), I was never told by my loan company about either the XXXX Loan Forgiveness Program or the Public Service Loan Forgiveness Program. I can not even begin to calculate how much money I could have saved ( including thousands in interest ) if I had know about this program earlier. Now, I am having such a difficult time paying for the loan, that I need to go into forbearance for months at a time ( since XX/XX/XXXX ) due to the high payments.
XX/XX/XXXX - wrote headquarters informing them as stated on website regarding the circumstances on being forced to get an amount I did not ask for. 

XXXX - call customer service, promised a call back by general manager XXXX payment due of XXXX XXXX payment due went from XXXX up to XXXX. 

XXXX contacted head quarters again - the manger that was supposed to contact me was on vacation XXXX recieve voicemail from someone from company Called back left message on voicemail XX/XX/XXXX Emailed XXXX Emailed company head quarters XX/XX/XXXX recieved a collections letter XXXX Balance Due is XXXX XX/XX/XXXX - made a XXXX payment XXXX, along with other critial needs for my children. 
I asked for XXXX that is all I could afford. Regardless at most XXXX a month. 
Store manager gave me a low interest rate deal ( I was a loyal customer with a previous pay off I barely could do ) I take the new Max I qualified for being back XXXX in 24 hous and be a low interest rate. 
Being my oldest daughter was missing and I was highly stressed out I took my check and deposited it. 
Now I realize I was scammed and now in jeopardy of loosing my car. I make XXXX in XXXX! 
I can't support XXXX kids, XXXX with severe needs on XXXX. I asked for something with as much as XXXX a month payments. 
If I loose my car because of this greedy company scam, I will loose my daughter. This was very unfair and a scam on someone who is low income and vulnerable because I have good payment history. 
I fear I will loose my car soon, although I have attempted to reach the company before it was a threat to our livleyhood.
On XX/XX/XXXX, I opened up an online savings account with Discover with initial deposit of {$15000.00}. On XX/XX/XXXX, while on vacation, I received a voice-message from Discover asking me to call them back for account verification. When I called back, the Discover Account Security Rep., XXXX XXXX, XXXX, asked me if I made two wire transfers in the amounts of {$5100.00} and {$9200.00}. I immediately replied NO, I have not made any transactions from or to my account since the opening date. She stated that she's going to reverse those wire transfers and would credit my account for the transfers amount and wire fees since I did not made those transactions. She also assured me that per the Discover {$0.00} Liability Fraud Policy, attached, I am not responsible for unauthorized debit card, online, or mobile banking transactions. She later called that day informing me that she was able to reverse one of the wire transfers, {$5100.00}, but the second transfer the receiving bank has not responded yet. She also recommended for extra security to open a new saving account to transfer the remaining balance and create a verbal password when call in, until the other transfer is cleared. I then requested to talk to a supervisor, XXXX ID # XXXX, for crediting my account for the second unauthorized transfer and he too stated, Discover {$0.00} Liability Fraud Policy that I am not responsible for unauthorized debit card, online, or mobile banking transactions, however, crediting my account may take up to 7 to 10 business days. 

Last Friday, on XX/XX/XXXX, I called XXXX but he was not available, so I spoke with another supervisor XXXX,, who she said she would call me back before the EOB day Friday to give me an update. When she called back, she then put me in touch with Discover Investigation group representative, XXXX, XXXX, whom told me a different story than the rest of Discover staff. He stated that he's going to investigate and request the receiving bank to return the funds but there is no guarantees to get my money back!!!! He also requested me to sign an affidavit, which he's going to mail to me for signature, when I asked him why can't he email or fax me the blank form to save some time, he stated that's Discover policy, I am now waiting for the form to come in the mail. Here is the Discover Website https : //www.discover.comXXXX THANK YOU!
A recent inquiry into my credit report with all 3 bureaus ( XXXX, XXXX  and XXXX ) made me aware of 2 accounts that report negatively on my credit bureau files. Research revealed that these 2 entities are owned by the parent company known as XXXX XXXX , XXXX . These 2 entities are XXXX XXXX and XXXX XXXX  XXXX. These debts are not mine, yet they appear on my credit bureau file ( s ) as charged off debts. 

The XXXX XXXX account appears with a balance due of {$150.00}. I have never had an account with this organization. The XXXX XXXX XXXX account appears on my credit bureau file ( s ) as an Unsecured loan account with a charged off balance of {$410.00}. I have never obtained a loan from this organization and based on the corporate description, was unaware that they offered such services. 

In correspondence dated XX/XX/XXXX ; I requested proof of my obligation to pay from both of these organizations. They responded with a letter requesting that I send them a police report for identity theft. I responded with a second letter dated XX/XX/XXXX again requesting validation in the form of ANY application for an account for credit or a contract bearing my signature. They both responded on XX/XX/XXXX with a print out of a bill ; which according to an FTC opinion letter is NOT sufficient proof that a debt belongs to a particular individual. 

According to the FCRA these debts have not been proven to belong to me and should therefore be removed from all 3 credit reporting agencies files. Subsequent requests for the same have not been honored by the credit bureas or by either of these organizations. The credit bureaus continue to report these debts as mine and I have also requested thier Method of Verification for these debts which they have yet to provide. A subsequent complaint regarding the actions or inaction of the 3 major credit bureaus is forthcoming. Additionally, I have a filed a complaint with the Better Business Bureau ( BBB ) in Wisconsin and am planning to file a complaint with the Texas Attorney General 's Office.
Barclay Bank Card Company bill ed for a charge on a  XXXX   XXXX   XXXX  card I never received and never activated. After many complaints the company terminated the card and the charge. It did not remove the entries from my credit record despite my requests to do so. BUT, I applied for another different card at  XXXX   XXXX , and it turns out this same compan y ( Barclay ) services that card also, so my application was denied for the reason that Barclay has flagged my account as delinquent or something else stating I did not pay a balance ( it must mean the service charge on the old   XXXX   XXXX   XXXX  , which Barclay waived because I never received or ever activated that card ). I have an excellent credit score in the  high  XXXX  's and good credit. This is unfair and will limit my obtaining future cards from a lot of places serviced by  Barclay  Bank.
Twice in three days, my entire online account with Bank of America has been locked due to " the number of attempts to sign in exceeded the number allowed. '' However, none of these attempts were made by me. Each time, I received an e-mail from Bank of America saying that if these attempts were not me, I should call the XXXX number provided in the e-mail immediately. Upon calling the XXXX number, I was told by Bank of America that there was nothing to worry about, and I should just simply reset my password. I told Bank of America that I am worried because someone of something is trying to access my banking information. Additionally, I think Bank of America is also concerned ( or at least should be ) because I was sent an e-mail from Bank of America saying " Your security is important to us. If you are not aware of this situation, please contact us immediately at XXXX. '' I went on to tell Bank of America that if my security was indeed important to you, then help me understand more information about who or what is trying to access my most private of banking information. Unfortunately, Bank of America again just informed me that I had nothing to worry about, and that I should simply reset my password and move on. I again pressed Bank of America for additional information. I said you clearly know that there were attempts to log into my account that were not me, so you have additional information, and I would like that information. If you ca n't provide me with any information, can you put me on the phone with someone, maybe a supervisor, who can. Again, Bank of America simply told me not to worry and move on. In XXXX cases, I then asked Bank of America to notate my account that I was extremely concerned that someone or something was trying to get information about my banking, including a mortgage, checking account, savings account, and credit card, and I would request that a supervisor call me back within 24 hours. In XXXX cases, Bank of America told me that they notated the account, and that a supervisor would call me back. I have yet to hear from a supervisor, or anyone from Bank of America for that matter.
I have been sending letters to Equifax for months now and I have repeated myself over and over again. I am extremely concerned about the actions Equifax is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX .Step up CFPB and remove it from my credit report
Received notice in mail from XXXX XXXX XXXX that I owe a debt from a XXXX 's charge account. I contacted XXXX 's and they have no record of the account existing. I received a different notice in the mail during the XX/XX/2017 year from XXXX XXXX XXXX about a different debt, also from XXXX 's that never existed ( i have received 2 separate collection notices from XXXX XXXX XXXX about debts that never existed ). 

I firmly believe they are creating fraudulent collection notices and sending them to people in an attempt to collect on fake debts. Please do something about this company before they successfully scam others!
This is the second time that this fake debt collectors calling and harassing me that I owe them money from a payday loan that has closed for 4 months and the XXXX XXXX XXXX and when I had went to the bank they said you owe {$470.00} and the debt collector said I owe them {$600.00} their was no contact or a letter by mail and they have called me and harrased my family so I had gave my debit card that I do n't use and they set up a payment plan for me and I told them that I ca n't afford it because I am on social security XXXX and the collectors say if I did n't pay them the will have me arrested and send me to court to get the money so I had send them {$100.00} to keep them off my back and Wednesday they have called me from all types of fake phone numbers and they call from a XXXX voip and I told them do n't call me any more because. I am paying the client myself and I got screamed at and the collector said you are sending your money in the wrong place and why? And comming to find out this XXXX bassed company National Mediation Services is a fake company.
I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an collection from XXXX XXXX had been put on my credit report with a pass due amount {$1300.00}. i reached out to the XXXX XXXX via certified mail about debt owed and got no response.
On XXXX I called navient to settle an account which they accepted and debted from account. They said they would send me home a letter of confirmation, but never arrived. Still today I am getting letter of debt. I have voice confirmation and confirmation # which they gave me during the call in which they took my money. This has been an ongoing problem for almost a year, every time I called I get redirected or place on hold or never get a response.
On XXXX XXXX, {$510.00} was held by my bank. Upon calling, I was told it was in regards to a legal matter. I was given a phone number to Results Unlimited regarding a debt that I was unaware of. I asked how and when they notified me about this. SHe told me she did n't have the file in front of her and did n't know. She asked how I wanted to pay and that my options were a credit card or they 'd keep the funds currently being held. ( which seems illegal to me ) I woke up with NO CLUE why money of mine was being held. Out of fear, I paid with a credit card over the phone and was told I 'd receive a letter and the hold would be removed by my bank. 
Today I discovered, after calling my credit card company, that Results unlimited took a cash advance from my credit cared and I was charged another {$19.00} dollars. I was NEVER told it would be a cash advance. I 've tried calling and it just rings and rings. My credit card instructed me to call them, as they could not refund the charge. 
This has been awful. All 10 days before XXXX. There has been NO communication.
I was contacted several times by R.S.B EQUITY GROUP. about a payday loan that I had taken out. They said the y had retained the rights of the loan because of none payment they supplied me with the company the company name and information witch was all correct, I asked them to email documents and I did. We came to an agreement on paying the loan. I payed them and now I 'm being told that I 'm soon to be served papers by a process server to go to court for bank fraud. because this matter has not been settled. I 've done research to find out this buisnes is in trouble with the state of GA. for these same practice ' XXXX what can I do to solve this problem and recoup my money and clear my name.
Over the past year I have attempted to request assistance from Wells Fargo for a mortgage loan modification. These attempts were requested by my wife and I with no success. Due to the lack of assistance from Wells Fargo our marriage has suffered and my wife and I legally separated in 2015 late in the year. I provided a copy of the legal separation and Quit claim deed documents to Wells Fargo and I have not had any response from them to reconsider the loan modification using my income only. The present interest rate stands at 6.25 % which is approx. 2.00 % higher than the national average.
On XX/XX/2018 I contacted Experian and asked about a their method of verification for a previous disputed bankruptcy being reported on my credit report. The representative informed me that she could initiate a dispute and I would receive a new credit report in the mail. I received the new report with no bankruptcy listed. On XX/XX/2018 I signed up for a credit monitoring site and noticed the bankruptcy had been re-added. I have not received any notification, as the FCRA laws state any reinsertion requires notifications to the consumer within 5 days. On XX/XX/2018 I have contacted Experian by phone to inform them of this issue and spoke with two different representatives. The first representative informed me that it was a computer error ; which is not true. The second rep named XXXX told me the courts notified them, which the court does not notify the credit bureaus. Then he went on to say they use a 3rd party but would not reveal who that is. Although I am aware that the 3rd party used is XXXX, from previous conversation with the credit bureaus. I was told I would need to dispute the inaccurate information with the furnisher. XXXX has sent a correspondence via email in regards to that dispute on XX/XX/2018 as well as a phone conversation confirming that entry has been deleted. They could not verify this inaccurate information within the required timeframe and are sending the results via mail. This email states XXXX has no role in determining what information relates to which consumer. Therefore they are NOT verifying or validating this information for the credit bureaus either. 
Experian has associated accounts and tried to match them with this bankruptcy that's listed. I have sent in documentation showing these accounts were paid and not negative accounts. 
Experian has violated my rights, saying they are " verifying '' inaccurate information and placing it back on my credit report with no notifications.
XXXX  IS FAILING TO DELETE THIS ACCOUNT AS INSTRUCTED BY XXXX XXXX XXXX AUTO LOAN NO.XXXX. THE F.C.B.A. DISPUTE HAS EXPIRED 36 DAYS AGO.
In XX/XX/2018 I received a Notice and a phone call from the collection agency.

I told the caller to not contact me again, " Cease and Desit '' We are under chapter XXXX protection. 
I sent a cease and desist letter XX/XX/2018. 
Today I received a notice from XXXX XXXX, that they are going to sue me and I will incur costs
I have a paid and closed account on my credit file from XXXX XXXX XXXX. This account was paid and closed in XXXX of XXXX to this day equifax & XXXX XXXX the CURRENT STATUS as 120+ days past due. How can that be a current status when the account is paid and closed? and has been for over 3 years now. 

The current status should be reporting as XXXX & XXXX or XXXX, not late! 

This reporting is very damaging to me, and is causing me problems when I try to pursue a mortgage. this current status reporting needs to be corrected as its incorrect
Transunion has illegally refused to investigate the false information on my credit report. I have previously asked them to investigate the false information from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have told them those accounts are reporting false information on my credit report however they have refused to investigate which is a flagrant violation of the Fair Credit Reporting Act. Transunion is illegally refusing to investigate the false information on my credit report which is impacting me greatly.