WillisBack/dataset-financial-user-claim huggingface dataset:
Hello Sir/Mam I have a problem with my credit file. I disputed an address on my file and a name. The address was already on my credit file and a duplicate incomplete was there also. The representative did not want to remove the incorrect address so I asked for a supervisor. The supervisor came on and stated he would take care of it. The incorrect address was XXXX XXXX XXXX XXXX XXXX   XXXX and the name was XXXX XXXX. I received an update this morning which stated the name and my SOCIAL SECURITY NUMBER were DELETED!!!! THE INCORRECT ADDRESS IS STILL THERE!!! I am very upset!!! This is in retaliation of me asking for a supervisor and these actions will not be tolerated!! I want this corrected IMMMEDIATELY!! I want the calls pulled and reviewed. I am filing complaints with the CFPB, XXXX and any other bureau I can find!!! It's bad enough people have worry about FRAUD BUT WHEN YOU HAVE TO WORRY ABOUT THOSE WHO HAVE ACCEES TO YOUR PERSONAL RECORDS THAT'S NOT GOOD!!! And there is NO WAY A MISTAKE COULD BE USED AS AN EXCUSE!! Address, name and social security number do not sound alike in any way!!! Please correct this asap. I may be reached at XXXX XXXX XXXX. I want to file an official complaint against both the representative and supervisor who handled my call yesterday evening. XXXX was the supervisor and XXXX was the representative I spoke to first. 
Thank you. 

XXXX XXXX XXXX
Hello, this is XXXX XXXX XXXX XXXX again and I am submitting this complaint against Experian over their frivolous attempt at an investigation at my expense. They are tarnishing my creditability and my good credit by allowing a false riddled account with incomplete and incorrect information to appear on my credit file under XXXX XXXX XXXX account # XXXX ... This account is under another persons name at my business address and it does not belong to me personally and it is affecting every aspect of my financial stability. 

I work for XXXX XXXX XXXX, in the XXXX XXXX offices and I will pursue strict litigation against Experian for false reporting and responding to my initial dispute through the CFPB portal with absolutely ZERO investigative results, evidence and facts! They have not responded to my complain AT ALL though this portal. They have submitted generic and cookie cutter responses to me through this portal that make absolutely no sense. Their has been ZERO validation or investigation with XXXX XXXX XXXX on my account and they have not even verified the addresses that are displayed on this inaccurate account versus the addressed that appear legally join my credit report. 

This account is inaccurate and illegally reporting to my credit report and the investigation I received was UNLAWFUL, INSUFFICIENT and a SHAM! I have no idea what investigation was conducted, there has been ZERO proof, ZERO documentation verified and provided and NO forwarding of my documents to they furnishers illegally reporting to my credit file. This violates FCRA law, this investigation was absolutely half assed and completely unacceptable. If this item is not removed within the next week I will be sending letters for Experian to cease and desist any and all activity upon my account under FCRA law and appear in court regarding this sham of an investigation!
This debt should of been charged off as me being medically indigent and having no medical insurance. An inability to pay. It never should of landed in a collections. As I never received any bills for the debt.
It has been extremely difficult to obtain online ( and telephone ) information to understand how to participate in the loan forgiveness program. And what little information is available, the onus of knowing what to do and submit is on the borrower. For example, the system is fully automated but my understanding is that I have to manually go back and review each loan and submit that information. It is an unclear and cumbersome process. I request that the process be transparent - above all else - easy to understand and user friendly to participate in. I am a XXXX prepared, XXXX who has been paying off loans for the last 20 years. I would like to understand my eligibility for the program clearly. 
Thank you for your immediate attention to this matter!
THIS IS NOT MINE. XXXXWILL NOT REMOVE XXXX XXXX XXXX XXXX Hide Details XXXX   XX/XX/XXXXXX/XX/XXXX {$14000.00} XX/XX/XXXX PAYS AS AGREED {$14000.00}
Ran credit report for home loan. Report came back with a credit card opened that I have never had. I do not have any credit cards. Also says account was opened in 1984, I was not alive in XXXX. This needs to be removed from my credit report.
An account on my file is reporting inaccurately and agency has refused to properly investigate this or do any proper investigation. XXXX XXXX XXXX # XXXX is reporting incorrect status ', dates and balances. It is not correct and I have contacted the furnishers and they have informed me that no one from the agency has called to conduct an investigation. I have repeatedly asked them to verify this account and show me why it is on my file in such a derogatory manner and they refuse to speak to me, give me absolutely any investigation results and paper work and they have not transferred any of the paper work i have submitted to the data furnishers on my behalf, which would have exonerated me. this account is inaccurately reporting and showing as open and it is badly affecting my life.
I have disputed the late payments on this XXXX/XXXX XXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I have {$3000.00} in loans that are currently being serviced by XXXX XXXX. The company is absolutely atrocious in terms of accepting payments and access to payment options. The company website breaks any time I have a loan payment due. Two months in a row now I have tried making payments through their website within 3 days of the actual due date. However, when I reached this three day window, the website will no longer allow me to log in. It says that my " credentials are invalid '', even though they worked before. In addition, the website will not allow me to reset either the password or username so I can obtain access. When I am able to get access, the website system will reject payments that I try and make through it. I'll receive a notice on the page saying " payment accepted '', but then the website will error out and log me off. When I log back in ( again, dealing with aforementioned issues ), all of the progress I made is erased and the payment never went through. When I tried linking a payment account to avoid their outrageous and unfair fees ( {$12.00} interest on a {$50.00} loan payment, plus 3.95 % and a flat {$1.00} fee ), the website refuses to accept the inputed account information. It will not automatically make payments as it says it will. Finally, whenever I call or try to use the live chat during business hours, I never get a response. Last month I was bounced around a phone system and on hold for over an hour and thirty minutes, just to be disconnected once I reach a human call center agent. All I want to due it pay my student loans without the threat of late fees, etc., from a company that refuses to accept my money.
Diversified Consultants Inc has continually called me 5-6 times a day after repeatedly being told never to contact me via phone. They refuse to aknowledge the company they are wokring for when calling and hang up when questioned.
I have been affiliated with Suntrust Bank for about 10 years. I use to have an account with about a balance of XXXX. I have a reason to believe around 10.000 at least has been stolen. I closed the bank about after I had an overdraft fee. Somehow a worker inside the bank found a way to steal money. The charges didn't add and sometimes funds where withdrawn at odd times. I would like this to be investigated promptly.Over the Years Bank tellers at Suntrust Branch have stole money others you will discover this if you research properly.
Received numerous calls and messages per day. Agents threatened to go after my mother and her home. Agents threatened to garnish my wages and my mother 's wages. Agents refused to accept that I was unable to pay. They coerced me into liquidating my retirement fund at huge penalties to get them money ( I feared they were going to take my mother 's house ). Even after doing so to get into a payment plan, they have continued to call and ask for more money than the agreed payment plan. They have also on more than one occasion double charged my account for the same payment ( essentially attempted to take XXXX payments instead of XXXX in XXXX separate months, requiring me to contact my bank to get the second payments stopped ). This was done without my consent and without any notification.
I have paid the company almost a {$1000.00} to be enrolled in the federal student loan forgiveness program. I then call the federal government and they stated that I was never enrolled in this program. The federal government also stated that I had missed three months of payments and that I was going to be sent to collections if I did not pay the amount due. I was told by Student Loan Pro that I did not need to pay the federal government (  XXXX   XXXX   XXXX  ) anymore because now Student Loan Pro was handling my loans.  Student Loan Pro  stated they would not give me back any of the money because they did get me on an income based driven loan forgiveness program and reconsolidated my loans, but they DID NOT enroll me in the ten year loan forgiveness program. THE MOST IMPORTANT PART!!!! This company is a farce, they only collect your money, they do not help with loan repayment and they do not provide the services they promised. I do not recommend them.
I received a promotion from CapitalOne for a zero-interest balance transfer to my CapitalOne card. On XX/XX/XXXX, I transferred {$4800.00} from a XXXX card to the CapitalOne card. CapitalOne shows the transfer in my account on their website. Notwithstanding the no-interest promotion come-on, on XX/XX/XXXX, my account was charged {$63.00} of interest. On XX/XX/XXXX, I spoke to " XXXX, i.d . # XXXX, in Virginia '' at XXXX, the phone number on the back of my CapitalOne card. She assured me that CapitalOne was aware of the problem and was fixing it. It has now been almost a month since that call and over two months since the balance transfer but the interest charge has not been reversed. I expect to have another interest charge assessed to my account on or about XX/XX/XXXX. I believe that if the company truly wanted to fix this problem, it could have done so already.
In XX/XX/2016 I received a notice of an on-line payment of over $ XXXX to my credit card from BOA from an account at XXXX . I do n't have an account at XXXX. I contacted BOA to let them know that it was not my payment. This was the start of the nightmare. I have attached a timeline of what happened after that. But, money kept coming in and I kept telling the bank it was not from me. Then at some point BOA decided I had too high of a credit balance and sent money back to XXXX to a different account from where it originated. I have spent maybe close to 60 hours on the phone with BOA over the four months to get no resolution. I get transferred from department to department. Even supervisors are not able to resolve it and now apparently there is some mystery department called the " Middle Office '' ( Payment Research ) but customers are not allowed to talk to them and I am yet to get this resolved. Now BOA says I owe them {$6100.00} but I owe them nothing. They allowed money to come in and sent money back out and they created ( or the fraud did ) this balance. I owe them nothing. I have an excellent credit history. I am so exasperated and now my credit is at risk because BOA staff is not skilled or authorized to resolve this issue. I think it is very unfair that I am going to have to hire an attorney to defend me for something I did n't do and given that BOA is the black hole the hiring of an attorney could be a significant expense. I would appreciate any assistance in making my way through this morass. You can contact me at this e mail address to obtain more information related to my credit card account. I am attaching a timeline to give you an idea of what I have been through to date.
TD BANK USA/TARGET CREDI XXXX XXXX XXXX XXXX, MN XXXX Target is reporting that I was late in XXXX. I have contacted them and they are not willing to help. I was not late. First, I tried to login to my account online and for some reason they locked me out. I tried calling and they refused to help me login. I went to the local Target and tried to make the payment, they told they could n't find the account. They were very busy that day so they asked me to leave the check with my account number and they would call the credit number and fix it. Apparently the payment was not applied. I tried calling them and stopping by and NO ONE wants to help me!
Ive been a Santander account holder for a little over a year now and Ive had some hard times come and I ask the company for a payment deferment and they tell me my account is in excellent standing that I should n't have an issue being approved. So I wait the 2weeks they told me it would take for a " Manager '' to decide my approval and I never receive a call or email, so I take it upon myself and call them. They then tell me I was denied because I was not past due atleast 10 days or more. I do n't think its right to accrue late charges and interest for every day after the 10 day grace period they have, if its not easy for customers with great payment history to be approved. Not to mention the loan is way more then what the vehicle is even worth, even for it being a newer vehicle.
I have written several times asking for VALIDATION and PROOF that I applied for and own. XXXX XXXX credit card. I have gotten no assistance in this matter and no response in timely manner. 

I am asking that this account be validated showing a SIGNED contract with myself and XXXX XXXX   on behalf of XXXX XXXX. 

If this account can not be lawfully validated I ask that this account be removed from my credit report and discontinue collections attempt and reporting.
The Foreclosure sale date is scheduled for tomorrow XXXX XXXX, 2016. Caliber Home Loans told me that I had up until 15 days before the sale date to submit all the documents to be considered for a modification review. I hired a law firm to help me, XXXX XXXX XXXX. The law firm submitted all the documents prior to the 15 days ( and also Caliber had the extra 5 days for them to be uploaded ). 
Based upon the law firm communication, the law firm submitted all the documents in time ( prior to the 15 days ) and it was acknowledged that Caliber received them. Now the day before the sale date, Caliber is saying that they did not receive all the documents. Now they are saying that all the documents should have been in 37 days prior to the foreclosure sale date. Caliber contradicted themselves by first saying 15 days and now saying 37 days prior to the sale date. Is this an illegal foreclosure. Also as shown on a previously filed complaint, Caliber did not tell me the XXXX XXXX guidelines. 
The attorney advised me that I could file bankruptcy. Caliber switched telling me their rules about the number of days that the modification package had to be in. They told me 15 days and now they are saying there is a 37 day rule. This is another example of Caliber Home Loans giving conflicting information as well as incomplete and incorrect information. Caliber does not provide all the information that is needed to help the homeowner in a timely basis. Inconsistent and incorrect information is wrong.
I was able ( on line ) to get a freeze on XXXX and XXXX. ( in minutes for free ) When I filled in the information on Experian they said they could not take my information on line and that I had to mail the documents. They are making this difficult- I do not want to mail any requested information- they also charge a fee of {$5.00} where XXXX and XXXX do not,
Care Credit, which is owned by Synchrony bank, issued credit for dental some work performed on my daughter. It was a promotional no interest for 18 months. I have been paying on time with automatic payments and was not properly notified the no interest was coming to an end. No emails or phone calls. Now they have charged me 27 % interest on everything. I called them and offered to pay the remaining balance because the no interest ended only on XXXX/XXXX/2016 and today is XXXX/XXXX/2016 but they refused and still want to charged me the 27 %. This is extremely overboard. What can i do about this?
To Whom It May Concern, This complaints is against XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, all formerly of XXXX., and recent defendants of a FTC civil action complaint in United States District Court District of Nevada Case XXXX and XXXX, XXXX , A Wyoming Based Limited Liability Company ( all owned by the XXXX ) and XXXX of XXXX. These criminals are at it again. There was no justice served in their years of defrauding countless innocent victims with their payday identity theft fraud scam so they simply changed outfits and started all over again before the ink was dry on their case filed in 2013. I have several documents to prove my complaint. All available to make sure these criminals are stopped in their tracks. 

I was presented an opportunity to purchase a turnkey fully functioning business with a guarantee of business funding with my good credit to support my entrepreneurial aspirations by the aforementioned ; via my trusted business advisor who no longer associates with any of them due to the discoveries within this complaint. The ecommerce business that was sold to me was to come with pre-existing sales, established web traffic to an existing website, customer service, a XXXX system, media buys all provided by a company reported by the XXXX to be a Wyoming based XXXX under their direct ownership by the name of XXXX. Upon further research I 've discovered all were lies. Nothing was set up with this turn key business by the XXXX. In fact they were doing nothing more than making false claims. Instead of immediately receiving what I was promised I was harassed for finance payment by XXXX XXXX, the shady " lending '' company who supposedly financed the sale of the business on the strength of my excellent credit. Even after I tried reaching XXXX to no avail to discuss my displeasure with the behavior and lack of performance as contractually obligated by the criminal XXXX family I was still harassed at my work place and at home. For this agreement with the fraudulent " XXXX '' I was charged a fee of thousands of dollars for nothing that the Sunyiches nor XXXX XXXX actually provided. The fact of the matter is they are both frauds that should be reinvestigated for all of their current business practices.
I contacted these companies on several different attempts to remove the inaccurate accounts thats is reported negatively on my credit file. I am not aware of the accounts. I have contacted the credit bureau about these accounts as well. The accounts are as follow : XXXX XXXX, 11 accounts with federal loans totaling XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.all these accounts are inaccurate reported
This collection is still on my credit report after I was told the balance is {$0.00} by the original creditor. Fidelity collection refuses to take it off my credit. It 's still on there as open. It is causing me to not be able to purchase a home.
I have been trying to get my account either unfrozen or closed with a check mailed out or have the eft transfer sent back to the bank it came from since XX/XX/2018. I initiated a electronic transfer from my wife 's bank account with her permission and her physically next to me when i did it. we did the transfer because i have a different account and we where waiting for her new debit card and we needed to pay bills. My bank Simple Bank who's owned by BBVA COMPASS started the account verification process to make sure it wasn't fraudulent and that permission was granted. They do this by making two small deposits that are under a dollar each and then i would have to verify the two amounts. This process is supposed to verify at least two things The identity of the other account and to make sure it gets verified. I verified the two amounts and was allowed to initiate a electronic transfer. Simple Bank transferred the money as soon as the money was deposited into my account they froze my account. I asked them why they froze my account and they told me it is because they need to verify the external account. I was confused because they were supposed to verify the external account before allowing me to transfer money. at least that is what i understood by their so called " external account verification process '' which is supposed to take 3-5 business days to do before allowing and transfers. They wanted two bank statements of the external account, a copy of my social security card and a picture of my license or ID. I have two poroblems with that, first i don't feel comfortable sending vital documents over an email secured or not. Two, I can't get the bank statements or anything from the other account because that bank closed the account due to unrelated reasons. I asked them to send the money back to the external account but they claim they aren't allowed to do that. I asked them to close the account and send a check to me, they claim they can't do that either and they refuse to unfreeze the account unless ALL of the requested documents are sent. My wife and I, Need that money back to pay bills we are behind on now because of this. I know they have the authority to close any account at any time for security resons. I dont care if they do that as long as i get all of my money back {$2500.00} to be exact. That was the amount of the transfer. The total available balance in the account is {$2500.00}. I need to recover that money