WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2017 I contacted Navy Federal Credit Union via telephone asking them to remove a credit card account listed on my report that does not belong to me. The balance on this account is {$3500.00} with a limit of {$4000.00}. I was added as an authorized user without my knowledge. This account does not belong to me. 

The response I received stated that they were unable to remove the account so it is now listed on my credit report. The act of not removing this account from my credit report has caused unjust credit determinations and has lowered my overall credit score. I am requesting that this account be immediately deleted from my credit report.
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX CAR which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX CAR was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I have a debt collection on my credit reports that is not mine I have tried several times to get it removed Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX {$60.00}
I notice that someone a bunch of inquiries was made on my credit reports without my consent. I have contacted the companies, but I want to ensure those inquiries get remove from my credit report.
State of florida child support delinquency collection charge offor set up payment plan XX/XX/XXXX. never got current on delinquency butcharge off account transfered to state of alabama XX/XX/XXXX. They are refusing to correct the origional delinquency date to XXXX insisting that they consider the origional date as when they took the account.
XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX XXXX   are all reporting on a 12 year old debt that was never explained it was a second mortgage. I paid on this account for over ten years and the balance always stayed the same. I asked for a copy of the agreement I signed for the loan and they could never find it or refused to send it to me. XXXX went out of business and were doing predatory loans of which this was that kind of loan. This was a 14 year loan and I have been disputing the balance and late reports on my credit for over 4 years. I was never late, these loans that say charged off should say paid in full and loan closed. I am disputing the balance on the account that has a balance and I am disputing the late reports and the charge off. All of these need to come off of my credit report. I have never been contacted by anyone and this is over the correct limitations for reporting as well. These companies keep changing the date of the loans and making up the terms as far as months agreed to pay. the amount is wrong, this is NOT a mortgage and they need to take that off my account this was just a personal loan..
XXXX reported an open and up to date account on a capital one card.I asked for this card and he said it was showing closed a few years ago on his end.There are also recent inquiries on the account.Anything automotive related is me and a chase bank for a checking account today was summited today.It kicked back a we are sorry, and reported to XXXX.Which is what lead me to check XXXX XXXX today.I received emails and things in the mail saying I was part of 1 or 3 breaches that recently happen.Im not sure what to do.
I have a XXXX owned, Bank of America serviced home loan. My home is still 'under water '. Is n't it the case that Bank of America was recently required to reduce principal values on homes that were purchased/financed via sub-prime loans? Am I eligible to receive such a principal reduction on my home loan?
I have been charged a lot of attorney fees which I paid to ocwen along with late fees which never end have been denided a loan mod after my current mod rate when up tried to work with ocwen they say can not help me at all retired my income has changed trying to stay in my home of 20 years plus
In XXXX of XXXX I opened a 7 year CD at 3.85 % with USAA. When the XXXX matured this past XXXX XXXX, USAA automatically rolled over the proceeds from that XXXX into a new 7 year CD without my knowledge or consent. The new XXXX has an interest rate of only 1.1 %. In order to get my money out I had to pay a {$2500.00} early withdrawal penalty from the new XXXX that they opened without my knowledge or consent. I tried several times to get through to the bank in late XXXX and early XXXX. It took me several attempts to get through to the bank by phone, each time being transferred and placed on endless hold. This is a predatory practice aimed at cheating unsuspecting customers.
Besides the HORRIBLE customer service. I was lied to. I spoke with a rep from Ally on XXXX who took a payment from me in the amount of {$740.00}. She informed me that the amount would cover my past due amount for XXXX XXXX payment along with the late fees assessed in the account. Since she could not take the payment via her system for a future dated payment, she informed me that I would need to go online to schedule the payment for the XXXX and provide her with the confirmation number. I did. I also doubled checked to make sure that this amount that was being paid was going to bring my account completely current along with no more late fees. She said YES. She said you will be completely current however I would be due for XXXX payment just in a few days on XXXX. She asked about hat payment and I advised her that I would be able to make it at the end of this month. She told me that as long as I paid by the end of the month, that I will be ok and not accessed a late fee. I receive a collections call on XXXX stating that I am past due a payment for XXXX and that my late fees were over {$500.00}. I did n't understand why I even still had late fees after I made the payment of {$740.00}. She explained to me that the payment posted to my principle balance and not to any of the late fees. I told her that had to be a mistake bc the rep told me AND online told me that my payment with late fees was {$740.00}. She told me that she was going to open up a research request and that someone would call me within 24-48 hours. No one ever called. So today, XXXX I called back to get a status update and the young lady told me that the research had been done and that there was no extra payment made. My payments are {$470.00} every month. She then went to tell me that the remaining was applied to my returned payments from XXXX and XXXX!? Although those payments were returned, they were made up! I made the payments for the month of XXXX and XXXX! Something is n't adding up. Ally could n't verbally explain to me what was going on so they just indicated to me they will send me a copy of the billing history. I do n't need a copy, I have my own via bank statements! All in all, I was lied to and mislead to believe that my payment was being made to cover my XXXX payment plus late fees from the rep and online. The reasoning they are giving does n't sound right! I feel like they are just telling me something and its really challenging my intelligence. Please take a look into this ... anything that is needed I will provide.
I was traveling in XXXX during the month of XX/XX/2018. While I was traveling, my Chase XXXX XXXX  Visa was charged a fraudulent amount of {$350.00} at XXXX XXXX XXXX XXXX. On the night of XX/XX/XXXX, I used my card at the restaurant of XXXX XXXX XXXX XXXX for an amount of {$52.00}. ( The Chase representative  said that these restaurant charges were under a real estate transaction, not for food and beverages like they actually were, which was very strange ). On XX/XX/XXXX, the very next day, my card was charged {$350.00}. This charge, I did not authorize. Chase is saying that I am liable because I was staying in the area. The hotel used my card on a chip reader and that is their reasoning for as to why I am responsible for the transaction. The fact of the matter is, I was not present during this transaction nor did I give anyone access to my credit card. I even requested camera footage which was not an option. I asked Chase why my signature and ID ( my card says see ID ) was not requested for this transaction. They replied that they do not require these items for a valid transaction. I asked them why am I not protected by my own credit card company when it comes to fraudulent charges? They did not have a valid response. Needless to say, I cancelled my account as they refused to help me with this process. I've never had a problem with my credit card being used without my consent before this and I would not wish it upon anyone. It's quite unfair that I should be held responsible for this payment when I was not the one responsible for the transaction.
I have been dealing with Equifax for over 2 months about 4 accounts that is on my credit report. XXXX has agreed to delete the account off of my credit report. I have sent 2 letters from XXXX and they still have not deleted the accounts off of my credit report. The only thing they have done is restart the investigation, If I have proper documentation from the company agreeing to delete the account then that is what Equifax is suppose to do. They have restarted the investigation under the terms of validating the account, which they are n't suppose to do because I was n't asking for a validation, it strictly for the agreement that XXXX and myself came to, which is to DELETE off of my credit report. They have BOTH letters on file and they still refuse to delete off my credit report.
Upon reviewing my finances I checked my annual credit report and to my surprise I found an error on my file. I paid XXXX credit card wherein they failed to process my payment in a timely manner causing me a 30-day late payment. I even inquired with a customer service rep by the name XXXX agent ID XXXX, to see if I could be helped in making automatic payments and he said that he could not help me and proceeded to transfer me to a different department. Every time I called I would get transferred and their line continued hanging up. It's very hard for me to work with this company when they have their system does not work properly. I've always made on-time payments and I overwhelmed now and don't know what to do. I'm now contact the CFPB to help me correct this issue as it's causing me financial strain.
Navient has my checking account information on file. I pay monthly and have never been late. I made a payment and have never changed my account information. All prior payments have been made from this account. I paid my monthly payment on the XXXX due on the XXXX. On the XXXX I received an email stating my payment was late. I went on line and made a second payment with the same acct. information. I called Navient and was advised that they sent me a letter stating that my payment was rejected by my bank and that I should contact my bank. I contacted my bank and was advised that there was nothing rejected or received. They also verified that the routing and transit number and account number was correct from prior payments. And that I should contact Navient a request a trace number to help determine what happen to the payment. I contacted Navient and CS advised me that a letter was sent yesterday and that my payment was rejected do acct number not being found. I explained to CS that the bank advised me that there was nothing rejected, and nothing was submitted I was told there was nothing they could do. After arguing with CS, I was finally transferred to a supervisor XXXX XXXX in Indiana. XXXX informed me that it was not submitted to the bank and could not tell me why. Only that I should delete my information and resubmit my acct information and try and make another payment. I explained that I was in a loan forgiveness program that did not allow me to be late with a payment and that continuing to submit payments that were being rejected without knowledge of why they were rejected would jeopardize my agreement. He had no answer and again advised that I delete my information and try again. I advised him that this was not acceptable and that I was being penalized for an error on their companies part. He had no response. He advised me that it was the companies policies not to give out phone numbers to reach him back with acct information for their protection. I called back to the CS to attempt to change the information requested, still without any explanation of what happen or assurance that it would not happen in the future and was told that Mr. XXXX was not available. I feel this is harassment and Navient 's attempt to break their agreement for loan forgiveness by attempting to make my payment late by not fault of my own. Mr. XXXX told me that they had no way of knowing if my payment would go though and that I would have to wait another week which would put me past my 15-day grace  period. He also again could not offer any explanation for why it was not submitted to the bank.
Four times this year, someone has been able to access my credit card account and change my address to get another credit card and 1 time in Florida that tried to use it to get {$250.00} if the card. Even though I have a freeze on my account, and they are suppose to send a code to my phone to make any changes. 3 times it was for an address in Florida and 1 time it was for an address in XXXX, California, which I haven't lived in XXXX, California in almost 9 years. I just found out on XX/XX/2018, that someone tried to get another card from my account, even thought I have a fraud alert and I froze my account. Everytime this happens it lowers my credit score.  I have a XXXX credit score and I'm trying to buy a house. I don't want to close this account as it will lower my score even more. I have 7 credit cards and this is the only one that keeps getting hacked. I'm thinking now that it is an inside job. No matter how my alerts or freezes I put on this account, even changing the name to my married name, someone is still able to access this account. They have sent me 4 new cards  and it hasn't done any good. I WANT THIS TO STOP. I'm going to pay this account off and never use this account again. I shouldn't have to do this.
Equifax breach of my information was not reported in appropriate time and executives sold stock prior to announcement of the breach making me at risk
I have spend the last 6 months under contract on a house. I was pre-approved for financing on my purchase. We had a clear inspection, appraisal, structural engineering report, everything was supposed to be good to go. Finally at the end of the line we were supposed to close, until my lender notified me that the underwriter would not accept the appraisal. The underwriter stated that there were not enough comps to support the loan. After talking to the appraiser, they believed the appraisal was good and needed no changes. Now I 'm stuck not being able to close on a house I 've been on contract on for 6 months, after spending thousands of dollars on the inspection and appraisal and various other fees.
The companies XXXX, Experian and XXXX   are a private business that earns and makes a fortune from your most private belongs, your private information!!! 
You, your name, your details, your private life and your businesses are taken and transformed into the property of the XXXX, Experian and XXXX   companies, and they sell your private and personal information or spread wrong information about you!!! 
XXXX, Experian and XXXX are private businesses that earns and makes millions at your expense and from your private assets Plus, they damages your identity, your good name and causes you financial damages! 
Do not let them! 
XXXX, Experian and XXXX are private business that follows you, stalk you and collect information about you They takes advantage of you and your private life! 
They get involved in your business and sells your personal information at any cost, even at the cost of mistaken information and damage to you and your family! 
XXXX, Experian and XXXX track and post information about you without permission or consent! 
Do not let them! 
Stop them!!! 
Request and demand to remove your name from their databases and don't let them spy, follow you and spread wrong information about you!
I paid {$6000.00} to XXXX XXXX XXXX XXXX XXXX to repair my car on X/XX/2017. using my Discover Credit card check ( # XXXX ), Two weeks before i went to go pick up my car, I told the owner i will be coming to get my car and he said okay. When the time came, he did n't pick up his phone after I tried calling him many times and when i went to his shop, it was closed. Later, I found out the owner of this place shut down the shop. I was able to retrieve my car from the towing company and found out my car was never repaired. I filed a dispute with Discover Credit card company in the amount of {$6000.00} ( claim # XXXX ) in regards to the mechanic not repairing my car. However, the Account manager refused this dispute because they stated it was a balance transfer so it does not qualify for a dispute.
I made a timely payment on a student loan, and AES threatened that the payment was past due. I received confirmation from AES that the payment was timely. I want my timely payment acknowledged. I want AES to stop harassing me. I want an apology.
Rash and Curtis has not replied to my letter requesting validation of debt which was received via certified mail on XXXX XX/XX/2016 and continues to be reported on my credit report. Rash Curtis and Associates have violated federal law, but also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Equifax allowed unauthorized access to personally identifiable information ( PII ), allowing unauthorized person ( s ) access to highly confidential information. 

Prior to notifying the government and public that PII had been compromised, key executives at Equifax divested personal shares, profiting before Equifax shareholders, stakeholders, the public, or government authorities were able to act on relevant information.
I was trying to get a lower payment as I became XXXX and was n't able to work anymore. My income was reduce tremendously but I still wanted to try to make payments on my loan. So when I reached out to Navient they informed me that my best option would be a forbearance that way I would have more time to get on my feet. So when my forbearance ended the payments was too much to handle. I 'm a single XXXX mother of XXXX. I barely can afford food to feed a family of XXXX better yet pay $ XXXX+ a month for student loan. I know they have to be repaid but they could have have me lower monthly payments or explained all options.
There is a federal tax lien showing up on my XXXX credit report in the amount of {$5900.00} and being reported by Lexis Nexis. I do NOT know of any such debt that I owe. There is n't any identifying information that connects this debt to me : No name, Address, Social Security number, or Date of Birth.  THIS IS NOT MY DEBT
Please be advised this our FOURTH time we are trying to seek justice in this matter. On three separate occasions, we requested to have a release and withdrawn lien removed from our Equifax credit report per the Internal Revenue Service release and withdrawal. The documentation from the IRS stating that the lien has been released and withdrawn is attached. In each instance, Equifax has provided confusing and insufficient explanations as to why you it chooses to continue listing a withdrawn lien on our credit report. XXXX and XXXX have removed the lien based upon the IRS documentation. As further evidence supporting our position, please see the attached email documentation from XXXX XXXX XXXX a Tax Specialist with the XXXX Office of the Chief Financial Officer of Taxation and Revenue indicating that there is " no indication of a lien filed in the XXXX '' on me and/or my wife XXXX XXXX. 
Based upon the documents, we have Equifax through a formal dispute to respond to the the following questions : 1 ) Please provide to us the Equifax policy regarding removal of withdrawn liens from credit reports. 
2 ) Please advise whether your failure to remove an IRS withdrawn lien from a credit report is Exquifax policy. 
3 ) Please advise whether the above Equifax policy is consistent with Fair Credit Reporting Act, as the other XXXX agencies have subsequently removed the lien. 
4 ) Please explain how your policy specifically has a bearing on our credit worthiness. As the Internal Revenue Service saw fit to remove, we believe your failure to follow suit constitutes an unfair business practice and is harmful to consumers. 
XXXX XXXX XXXX, XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX )
On XX/XX/2017 my debit card was compromised with unauthorized charges. Bank of America notified me with a text alert. The card was immediately cancelled. However, on XX/XX/2017 they paid XXXX charges to the same " hacker '' - totaling over {$400.00}. I spoke to the fraud claims dept on XX/XX/XXXX from the office of a local branch manager and they assured me that my money would be back in my account on Monday, XX/XX/XXXX. The funds still are not in my account. I have spoken to at least 8 different people and they are always in a different state and always a " scripted '' answer!!
Credit report from  XXXX  and experian showed an account from  XXXX   XXXX  that is NOT mine. The account was deliquent and affecting my credit. Could not open a bank account. I disputed it over 45 days ago and got an email from  XXXX  stating it was deleted. I tried opening a secured credit card with  XXXX   XXXX  but got denied because of the misinformation from credit bureaus stating that i have deliquent account which is not mine