WillisBack/dataset-financial-user-claim huggingface dataset:
I have filed several requests with Equifax to have them delete Liens which have been withdrawn by the IRS. I have also sent in reporting documentation, including Identification, Insurance Bill, Drivers License and Social Security Card and receiving no assistance from Equifax which is reporting incorrect information in my credit file and have requested and sent documentation over XXXX times via mail. I have also attempted to dispute online several times and each time I attempted to upload the supporting documents or call into customer service I would receive stall tactics with no intent from Equifax to resolve this duplicating issue. I believe this is a discriminatory tactic in attempting to keep derogatory information on my credit file. They are very deceptive in their practices in their attempt to keep consumers laden down with obsolete or erroneous information on their credit file to prevent them from moving forward in life to obtain credit. We are in the process of trying to purchase a home and need to the lien of XXXX deleted from my credit report which IRS has sent formal documentation and also provided me with a print out of the Withdrawal of {$31000.00} included in the total of the original Release of XXXX, XXXX. The {$31000.00} is a duplicate of the total which has been withdrawn and reported to the filing Court by IRS and other obsolete information they are reporting which has been over XXXX years still on my file. They have extended their statutory limits which is an attempt to keep people bound and oppressed which is discriminatory and predatory. The other XXXX Credit Bureaus received the same information and have deleted the XXXX from my file. Why is this an attempt of Equifax Information Services to discriminate against XXXX minorities who are trying to move forward in life. Please help me to resolve my credit reporting issues with Equifax.
I went online to pay a credit card bill from Capital One. I wrote in {$50.00}. I had about {$300.00} in my XXXX Checking account. For some unknown reason Capital One took the whole card balance of {$970.00} from the account. Since I have overdrawn protection XXXX just paid it and I was over {$600.00} in the hole. I immediately contacted XXXX and Capital One. My problem with Capital One is I talked to them twice. Both times XXXX different people said they had other customers with the same problem. During the second time I called my Banker at XXXX heard the Cap One rep say I was n't alone with this problem. I 'm then told it will take 5 business days to get my money back? Why? I have bills I paid that are now being flagged as part of the overdrawn and I 'm being charged {$36.00} for overdrawing on each of the transactions. 

I told my husband about the problem. He 's a former XXXX XXXX VP who worked for XXXX. He called Capital One. All he wanted to do is ask what they were doing to fix their problem. They wouldn 'd dicuss anything with him because he was n't on this account. So I 'm worte a letter to Capital One for an answer as to what they 're doing to fix the problem and why does it take so long to get my money back. Is n't that Fraud?
The collection to XXXX XXXX was added XXXX. Duplicated. {$720.00} was paid in 2014 and closed, but since there was a duplication of the same collection, it still shows I owe {$620.00}. How do I get the duplication removed. I have talked with the collection agency several times and I 'm told it will be removed. Please help as I do believe this is hurtng my credit rate. Thank you so very much.
In XXXX I disputed a charge they said it would be credited with in 5days I have called repeatedly everytime it's a different story then they said that it was credited a month before it was even charged.
daily phone Calls during the week and even on Saturday from the below numbers Merchantile Adj ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX I block these calls, but these places continually call from new numbers. Although I have most of these numbers blocked, I know I am Still getting calls from them because they are Still Registering everyday on my XXXX incoming call list. When I look these numbers up online, they are Indicated as debt collectors, yet I have no Idea why they would be Attempting to contact me, since I have no debts..sometimes they will leave a message saying to call back and reference a case number There is nothing on My credit report indicating I have anything in Collections or in my public records ... I do not owe money To anyone I am on medication for XXXX XXXX and other XXXX   related disorders This type of rediculous Harassment is aggravating my XXXX  and I am getting the shakes These places need to be Dealt with appropriately As soon as possible.
My account has been in deferment for s few years as I struggle financially due to XXXX. I moved XX/XX/XXXX to a new home and XXXX XXXX apparently were unable to notify me I was near end of my deferment. When I saw a report of 9 lates on my credit report for my student loan I immediately contacted them to fix the situation. My account was placed back into forbearance startingXX/XX/XXXX which is before the alleged dates of lates. XX/XX/XXXX and XX/XX/XXXX. A month later and there is 9 more. This has substantially devastated my creditworthiness. I have filed multiple disputes and complaints to no avail. I have spoken with managers to no avail. I do not have the finances to make it very far in this situation.
I have been blocked from using the full services of USAA banking online etc since XXXX. They have claimed it to associated from an Insurance underwriter blocking me when I supposedly was involved in a crime while insured with USAA. I have called, emailed, chatted on FB etc with them and they still will not figure this out. I am being discriminated by having a crime that I have completed my sentence/parole etc. This has also brought complications to my familys accounts as well. 

XX/XX/2018. USAA replied with the following. In your submission, you state that you have been blocked from using USAA online banking services. You contend that you were advised the restrictions originated from an insurance underwriter who blocked you because you were supposedly involved in a crime while insured with USAA. You add that you have tried communicating with USAA and this has not been figured out. You ask for USAA to restore full access or provide information to show how these processes are reviewed and implemented. Mr. XXXX, the USAA Federal Savings Bank is unable to address your inquiry about the restriction on your account as this pertains to an insurance product. The FSB was notified that the appropriate party reviewed and attempted to respond to you about this matter. If you have additional questions, we remain available to assist you. 

How is USAA Federal Savings Bank not able to address my inquiry about the restriction on my account as this pertains to an insurance product? USAA owns or is a parent company that owns the Insurance Company. When and how did the appropriate party reviewed and attempted to respond to me about this matter? Who is the appropriate party you speak of? Please show me or tell me how this was done. You say you are will to assist, ok. Who do I contact about flipping the main switch to allow me access to full online banking? Do you run background checks on all your customers? If not, I see that you are discriminating against me. How can we fix this?
i 've been trying to cancel my membership with Experian credit report but not only it is not possible online and the only way is by phone, i called several times customer service including today XXXX2018 but when i mention that is about canceling my account they transfer my calls 3 or 5 times and then put me on hold for more than an hour and then they disconnect the call, meanwhile they keep charging my credit card.
The 2016 court ruling on CFPB vs XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) determined that those attorneys violated the FDCPA and were ordered to stop specific violations. Cooling and Winter have established a new law firm in which they continue those illegal litigation practices. I was served a complaint by Cooling and Winter on behalf of XXXX XXXX XXXX for a credit card debt. No attorney was meaningfully involved in preparing or filing my case ( violating 807 ( 3 )  of the FDCPA ). I called the law firm 's contact number XXXX and XXXX and was always routed to a representative or ( if busy ) a voicemail. When a representative answered he would always route me to XXXX XXXX XXXXr, who he claimed was the " agent '' handling my case. XXXX XXXX 's extension always goes straight to his voicemail and he returns your call at a later time. If all representatives were busy when I called then I would be routed to a voicemail box. To no avail I 've repeatedly asked to speak with the attorney handling the lawsuit. The " agent '' handling the lawsuit ( XXXX XXXX ) is a debt collector with XXXX XXXX XXXX, XXXX ( according to his site ). The ratio of attorneys that ACTUALLY PRACTICE with this law firm compared to the number of suits filed would be consistent with a lawsuit mill. I emphasize 'actually practice ' because although they list 7 other GA attorneys at this firm, almost half of them have not filed one case at this firm. In addition, I received a copy of a notarized affidavit that will be used. The person on the affidavit states that they are a " Litigation Support Representative '' and " employed by XXXX XXXX XXXX, XXXX, an affiliate and service provider to XXXX XXXX XXXX ( USA ), N.A. '' In the statement, the representative never admits to having " personal knowledge '' of the account, only having " reviewed the records pertaining to the account. '' Per the court ordered judgement, Cooling and Winter were ordered to restrain from : 10. ( a ) " presenting to a court any affidavit in which an affiant represents, expressly or by implication, having personal knowledge of the validity, truth, or accuracy of the character, amount, or legal status of any Debt, when that is not the case ; '' I sincerely hope that the CFPB will look into the practice of this company and continue to help customers that are violated by their illegal practices. Thank you for your time.
lender charged my bank 2 days before agreement. Then charged XXXX times in one day, racking up insufficient funds fees
As my child is only XXXX years old, but the company call Netspend just send her a real prepaid Visa debit card to activate.account number on card is XXXX and routing number is XXXX issue by XXXX
As of today, XX/XX/XXXX, Carrington Mortgage has STILL not provided any information about my loan, despite acquiring it in XX/XX/XXXX. I have STILL not received a XXXX as required by FEDERAL LAW. I have no idea why they continue to add late fees to the account because they REFUSE to send monthly statements. I have recently provided them with proof of insurance, but have been told that they will continue with the forced coverage placed on the property.
Unwanted charges and harassment and credit problems from transunion.com because of a social intelligence hacker looking for work and credit
I had my debit card information stolen from me on XXXX XXXX, 2016. I had XXXX fraudulent charges made on my account. Charge XXXX : {$48.00} - XXXX XXXX. Charge XXXX : {$500.00} - ATM. Charge XXXX : {$500.00} - ATM. I have been a customer of Chase for 16 years & have never taken {$500.00} out from an ATM. They have refunded the {$48.00} charge & agreed it was fraudulent but they say the XXXX {$500.00} charges are correct and wo n't refund them. They wo n't even look at the video footage from the atm. It happened at XXXX XXXX XXXX, XXXX, Terminal XXXX at XXXX & XXXX. They say because of the chip in the card, it is impossible. If the video footage shows me, I will pay the {$1000.00}. But it wo n't show me. I had the police officer who took my report call the bank and request the footage and got no where. Why would Chase refund XXXX of the fraudulent charges but not all XXXX? I made a police report with the XXXX Police : XXXX XXXX # XXXX Report : XXXX. XXXX Police Report : XXXX. Both departments said they would n't investigate the issue. Every time I call Chase, they tell me a different set of instructions to follow to get the video footage. Most Chase employees told me I would need to get a subpoena to get the footage, which the police said I would n't be able to get. Why would Chase treat a customer of 16 years like this? I have also just received a letter from Chase telling me to pay the money back or they will close my account and report the debt.
Transunion has blocked me from viewing the results of their investigation and has refused to remove erroneous information form credit report specifically XXXX which is not my account and is fraudulent account and XXXX account has never been late and is over seven years old which should be deleted I have attached a settlement from XXXX XXXX for reporting erroneous information on consumers credit reports which are in violations of the FCRA and Debit collection acts.
I am a father of XXXX little girls ( not as little as I hoped they would stay : ), I own or run 4 XXXX XXXX and between my XXXX and personal finances have about 20 different accounts to pay each month not including my 30 plus employees, numerous vendors and services. I am old fashioned when it comes to organization of my bills. Meaning, I rely on statements via USPS. All my accounts are set up to mail me statements or invoices. 

XXXX 2015 Citibank reported me 30 days late, I am disputing the 30 day late reporting as inaccurate and requesting it be properly updated. I have had this account for nearly 5 years and always paid timely. I have all my statements mailed to me because this is what I use as my reminder. 
However, somehow when I set up my online account or responded to a citibank email. My account statement option was switched to paperless, i did not knowingly do this. 

I called Citibank earlier this year, they confirmed the paperless option was recently opted into. I had them opt me back out and thought the late payment reporting was being removed, It has not. 
Could you please remove that late payment from my credit reports.
Recieved an alert detail from XXXX XXXX on XXXX/XXXX/XXXX they found report through XXXX credit agency. 

Regarding : Suit or judgement notification submitted by Navient Solitions INC. 
date filled XXXX XXXX, XXXX date satisfied XXXX XXXX, XXXX court : Navient Solutions INC Status : Grid code XXXX Case number : Navient Solutions Inc of XXXX  IN I have called Navient to discuss this matter representative was not helpfull at all and seemed he had no idea what i was speaking of currrently my loans are not in default and on auto payment through my bank.
On XX/XX/2018 a collection account from The CBE Group Inc-Former was added on my credit report on all 3 Credit Bureaus for an account with XXXX XXXX XXXX XXXX that states it was opened XX/XX/2018. First off from doing my research XXXX XXXX and XXXX XXXX is based and services in California. I have lived in Ohio for the last 2 years and prior to that I lived in XXXX for 7 yrs. and XXXX  for 20 yrs. Not once did I ever have this service provider in those 28 yrs. This came up on my Credit report once before I believe in XX/XX/2018. It was removed shortly after, as this is not an account I opened and also they deemed it as Fraudulent and was removed from my tradeline then magically I was applying for an Auto Loan and this Company added a collection account to all 3 credit bureaus. Now they are " Parking and Re-aging a debt that is not mine. They have never contacted me via mail, phone or any sort of communication. So not only has this account been removed once from a different collection agency due to it not being my account and not mine and not accurate. I want this removed from my tradeline on all 3 credit bureaus immediately.
Navient is trying to collect over {$50000.00} in loans from me however they can not and will not provide proof that this money was ever paid to any school on my behalf and also they say they will not show any proof that as long as they say I owe it they will make me pay for it, and also they are reporting XXXX different accounts on my credit report which I was not told that would happen each year that I filled out a XXXX I was not aware that they would report each amount differently under different account numbers this should have been disclosed with any XXXX or Master promissory note is filled out and also Navient refuses to offer help to clear up anything and they simply say you are going to pay it.
I previously had a XXXX XXXX credit card that went into collections. I declined to pay the card b/c there were fraudulent charges that both XXXX XXXX and the creditor refused to investigate. In addition, I was charged late fees even though there were no late payments and the balances, payment dates, and bill dates are all being shown inaccurately. XXXX XXXX removed this from my credit report but on XXXX/XXXX/XXXX XXXX XXXX reaged the debt effective XX/XX/XXXX even though the account has been outstanding since XX/XX/XXXX. XXXX XXXX is selling debt to XXXX XXXX and then in turn reage that debt to make it look more current that it really is. In addition, they are not resolving or investigating my dispute.
I made a payment to my Navient accounts and the payment was applied to the wrong account which resulted in Navient reporting that my loans were past due to the credit bureau. This caused my XXXX score to go down XXXX points. I have been working with Navient since XXXX 2016 and the issue still is not resolved. I have requested that my payments be suspended until it is resolved but have not received a response. I have also expressed that this error has caused my car insurance premium to increase due to the negative impact their error has caused regarding my credit score. This is the second issue I have experienced with Navient that has negatively impacted my XXXX score and its required that I spend hours of my time and months to get it resolved. I emailed them again today and provided my old credit report with the correct information prior to the misapplication of payment and the current credit report with the inaccurate information.
GC Services, out of Texas, is calling from a spoofed local number,XXXX. They are looking for someone else, and I have had my number for 18 years. They called the other day and I told them I didn't know who the person was and to stop calling. The man said they would stop calling me. They just called again leaving a message to call a certain XXXX number. I don't overdue bills and am not in collection and don't appreciate them random calling to try to find someone. They need to stop calling.
This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( IDTheftReport_XXXX ) report had been filed copies are attached. Please remove this account from my credit file.Please remove all none account holding inquiries, any address other than my current and send me copies of updated report. 
Thank you.
Ditech ( formerly Green Tree Servicing ) failed to perform annual escrow analysis in XX/XX/XXXX after becoming the new servicer which resulted in a huge escrow deficiency and payment increase in XX/XX/XXXX. QWR was sent to Ditech in XX/XX/XXXX to notify them of this RESPA violation and received unsatisfactory resolution. Further attempt to escalate was unsuccessful due to Ditech employee inadequately trained to properly research and address regulatory related complaints.
XXXX XXXX Account 1. The Activity Designator Is NA - And should be PAID and CLOSED 2. The Pay History is inaccurate, and was updated when the Activity Designator was set to NA - and space filled through that month. 
3. There is a Payment XX/XX/XXXX, because THE Activity Designator was changed - on this date. It is Wholly Inaccurate.. 
XXXX. The Pay History during the actual time this account was open - is missing. XX/XX/XXXX though XX/XX/XXXX. 

Please verify the account, correct the Pay History and correct the Activity Designator - OR Delete this inaccurate, and then incomplete Tradeline.
Credit report agency refuses to delete unverified and inaccurate information on my credit report. I have disputed these  XXXX   XXXX  account information as inaccurate with them several times, and they have come back to me and stated they were able to verify this debt. How is this possible?
Here is a clear case of unverified debt, and I urge you to remove this item before I am forced to take legal action.
Credit report agencies are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or mentally  XXXX , unfamiliar with handling their own finances.
Exploiting deceptive financial practices designed to confuse and pressure seniors in order to hustle them out of money.
FCRA requires that all Credit Reporting Agencies are supposed to verify received from creditors before this information is added to your credit file.
Proper verification according to established case law involves the credit bureau having copies of the original signed credit application in their files. They are required to have a copy of the credit application that you signed when you opened the credit account with the creditor in their files. They are supposed to have it in their files to show that they verified the information and account belongs to you and to show that they verified the information before they placed it on your credit report.
The truth of the matter is the credit bureaus dont review any documents let alone keep a copy of your credit application in their files. They NEVER see any documents.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the