WillisBack/dataset-financial-user-claim huggingface dataset:
In  XXXX  of  XXXX , I recevied my full, free annual credit report. It showed an account in collections from a company I have never heard of,  XXXX   XXXX , on behalf of another company I have never heard of called   XXXX   XXXX    of  XXXX . I reported this to Equifax,  XXXX , and   XXXX    as an error.      XXXX  and  XXXX  immediately removed it from my report. Equifax did not. They reported to me that   XXXX   XXXX   verified the debt of {$150.00} to them.     I contacted   XXXX   XXXX   directly to dispute the debt. They informed me many weeks later via written letter that they could not confirm or deny that the debt belonged to me due to HIPPA regulations and directed me to contact  XXXX   XXXX  of  XXXX  directly to dispute the debt.     On  XXXX   XXXX ,  XXXX  I wrote  XXXX   XXXX  of  XXXX  a letter, delivered by  USPS , to dispute the debt and ask for any documentation they have to support their claim that the debt belongs to me. They have not responded to my request in any manner, but my current Equifax credit report states that     XXXX   XXXX   is still claiming I owe them a debt of {$150.00} as of  XXXX   XXXX ,  XXXX .
Transunion is reporting a name that does not belong to me and i would like it if they would get it off my record the incorrect name on file is XXXX XXXX XXXX and the correct name should be XXXX XXXX XXXX there is a bankruptcy on my credit file that is not mine and i would like it if they did just that.
XXXX XXXX XXXX of 2018, is holding my credit line from getting va home loan. the reason of these issues was my wife got diagnosed with XXXX and at that time i was between jobs and my wifes medical Needs came first
There are numerous inquiries on my credit reports from capital one, cap one, XXXX XXXX XXXX XXXX.

I contacted them and asked them to correct the illegal inquiries that are on my credit reports and they said these inquiries are valid. 

I disputed these inquires in XXXX, XXXX and XXXX through XXXX, XXXX and XXXX and they have not been investigated, verified, updated or removed. 

What normal human being in their right mind would apply for credit card or a loan through capital one on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? 

Can you please contact Capital One, XXXX, XXXX and XXXX  and have them delete these inaccurate, illegal inquiries of my credit report?
On XXXX XXXX, XXXX I submitted a dispute to Equifax in regards to a closed account for XXXX XXXX being removed from my credit report. I was advised by Equifax that the investigation would last 30 days which according to there record would have been XXXX XXXX, XXXX. Today XXXX XXXX, XXXX. I checked my credit report and it still states " customer dispute-reinvestagation in progress. I contacted Equifax and was advised by a representive that they had sent information over to the company for a dispute on past due payments and because I requested for the account to be closed. Equifax never received a response from XXXX XXXX so the account was not removed for the reasoning of the dispute. I advised the representative that the information I submitted was not in regards to past due payments and that the account was already closed and I was requestinv for this account to be removed. This vehicle was registered under a company. That is still showing under dispute and under the FCRA after 30 days with no response from the creditor the credit reporting agency will have to remove the account and stop reporting it. She then changed her story and stated there were no disputes on my account and because they didnt receive anything from the creditor they made the decision for them. ( Even though they did not even receive a response to the information submitted to the company. ) I advised her this is completely against any laws that protect my rights as a consumer.
Since XXXX the three main bureaus primarily Equifax hindered sending me my updated and complete bureau reports. 
I am XXXX, publicly assisted and feel violated by the childish games they with phone banks being transfered to out of the united states customer services agents.
Equifax limited how many words and got time out several times, also asking for an account # so the Eqifax website will not let me make a complaint. 
This was the statement I wanted to write : Dear Equifax/XXXX  XXXX One of my bills from XX/XX/XXXX ( the XXXX XXXX person told me on the phone when I was paying ) was sent to collections but I did not get any statement billing me, I was not aware of the bill until I got an alert from my credit report on XX/XX/XXXX. If I would it know that I owe {$71.00} I would it pay it, as soonest I knew about I call XXXX XXXX XXXX and I paid the bill in full, but it already is hurting my credit score, is not my fault that the provider ( XXXX XXXX XXXX ) did not send me statement billing me. I have paid the bill {$71.00} from XXXX XXXX XXXX on XX/XX/XXXX, I am asking to remove the collection from my credit report since is not my fault the provider did not bill me. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX This is the email receipt from XXXX XXXX XXXX {$71.00} XX/XX/XXXX XXXX XXXX XXXX Full Name : XXXX XXXX XXXX Account Number : XXXX Auth Code : XXXX Dates of Service : - Authorization I agree to pay the above total amount according to the card issuer agreement. 

Copyright XXXX XXXX.All right reserved.
I had a Federal Tax Lien filed in error on XX/XX/XXXX. The IRS realized it was an error and issued a withdrawal on XX/XX/XXXX. The withdrawal was sent to the Register of Deeds in my county but XXXX and Lexis Nexis never reported the withdrawal. I filed a dispute and reinvestgation but XXXX  insisted the information from Lexis was correct and never corrected the information even though I sent them a copy of the withdrawal twice. My husband filed a complaint with CFPB as he was treated in the same manner. The result was it was corrected on his report but not mine.
In July/XX/XX/2018 I requested a balance transfer of XXXX to XXXX XXXX. It was never processed. However, they keep charging the {$450.00} plus interest. XXXX XXXX purchased my account after the transaction and has been very uncooperative refusing to verify if the {$450.00} check has been cashed. Still charging me the {$450.00} plus interest
XXXX , EQUIFAX have re added inquirys that were removed from my reports.    XXXX   XXXX   XXXX  -  XXXX   XXXX  -  XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -   XXXX     XXXX   -   XXXX   XXXX   XXXX  , were all removed from my reports th en re adde d again, these are not my inquirys these applications were done without my permission.   I have asked  XXXX  several times to remove false information from my reports, i have sent several certified letters which they did not reply.   i have asked for proof of such as names and phone numbers and proof of verification and they have ignored or refused to comply.
I disputed a charge on my US Bank credit card. US Bank acknowledged the dispute, notified me of the temporary reversal of the charges, and credited my account for the disputed amount. During the review of the dispute, US Bank allowed the vendor ( s ) to continue to charge my account new charges. I received letters from US Bank stating " We have concluded our investigation and the case was found in your favor. The provisional credit we issued to your account is now permanent. '' Now US Bank is reinforcing the fraudulent activity and placed these charges back on my account. Now they have racked up an unbelievable amount in interest and late fees along with the fraudulent charges. Do not get a credit card through US Bank, huge disappointment.
XX/XX/XXXX : I requested my free annual credit report online from Equifax , XXXX and XXXX. I was asked security questions for proof of identity and it did n't match some information currently on file. ( This was also the case in a previous request in XX/XX/XXXX where that ended up in a dispute with Equifax where they had incorrect identity information along with other disputed credit information. ) The XXXX XXXX XXXX ( XXXX ) requested a hard copy request for the annual reports and hard copy proof of my identity. 
XXXX/XXXX/XXXX : I mailed ( certified mail ) the documentation requested by XXXX and it was available to them on XXXX XXXX, XXXX at XXXX. 
XX/XX/XXXX I received my annual reports from XXXX and XXXX, but none from Equifax. 
XXXX/XXXX/XXXX : I received a letter ( written XXXX/XXXX/XXXX ) from Equifax Information Services LLC which asked for the same hard copy proof of identity information provided to XXXX to be sent to their provided address in XXXX, GA. 
XXXX/XXXX/XXXX : I mailed ( certified mail ) the documentation requested by Equifax and it was available to them on XXXX/XXXX/XXXX at XXXX. I never received any reply from Equifax by any method. 
XXXX/XXXX/XXXX : Since there was a chance that lightning destroyed Equifax 's mail receptacle with my letter in it, I wrote another letter and included the requested documentation and mailed ( certified mail ) it to Equifax on XXXX/XXXX/XXXX. That letter and documentation was available to them on XX/XX/XXXX at XXXX. In that letter I added an Important Note stating that if my request is again ignored I will consider that I have exhausted all avenues and will submit a complaint. 

After a very long wait and no activity by Equifax , I am submitting this complaint to CFPB. 

Hard copies of any of the above referenced documents are available upon request.
I used XXXX services in XXXX 2014. Despite confirmation by the XXXX location I utilized that they would bill my employer 's credit card account for the services, they billed my personal credit card account, which was supposedly only to be used to pay a deposit on the account, not to bill the full amount for services. I disputed the charge via XXXX XXXX 's charge dispute services. XXXX did respond to the dispute inquiry, which resulted in XXXX XXXX reimbursing me for the fraudulent charge. Months later, XXXX sent my account to collections for the full amount, after having sent documentation to XXXX XXXX that proved the charge fraudulent. I received a letter soliciting payment from Vengroff Williams , Inc. The date listed for the rental of XXXX equipment is incorrect, listed as XXXX XXXX, 2014. I believe this to be a fraudulent charge altogether - I used XXXX XXXX in XXXX 2014, XXXX XXXX refunded the fraudulent charge on XXXX XXXX, 2014, and XXXX sent my account to collections on XXXX XXXX, 2014.
Wells Fargo Bank Account # XXXX was paid in pull on XX/XX/2018, in the total amount of debt owed which was XXXX. However, it is still being reported by the credit bureau that it is not paid. In addition, XXXX credit bureau is showing the debt has been satisfied. I called Wells Fargo and they reported that it showed that the amount had been paid in full on the said date. 

However, XXXX is still reporting the debt as owed.
This complaint is about the TJX Rewards credit card through Synchrony Bank. In addition to a very high interest rate, the Bank routinely thwarts the account holder 's ability to access their account and pay the bill, and then charges a late payment fee. The website is routinely inoperable, blocking access to account information and the payment portal. I did not receive paper statements in a timely manner, sometimes only XXXX or 4 days before the payment was due, and sometimes I did n't receive statements at all. When I called the card company to complain after receiving a late payment fine for a bill I never received, I was urged to switch to paperless statements, which I did on the promise of XXXX access to my account and the ability to pay the bill online. Yet the website never seemed to work correctly, and on the infrequent occasion where it did work, it did not show real time account information such as recent payments. It would not even show the prior month 's payments, even if payment had been made weeks before. It was so bad that there was actually a disclaimer next to the account balance figure that said it might not be accurate. The combined effect of these systemic failures seemed to be designed to keep cardholders from understanding how much they owed and how much they paid at any point in time. It seemed designed to block access to information and to block the ability of the cardholder to make their payments accurately and on time, the result of which ( perhaps intentionally ) was to slap on late payment fees. I canceled my card today after the website was inoperable once again.
I signed an agreement with this company to pay of my debt of approximately {$4500.00} and when the debt was paid in full, the company promised to file a dismissal of the unlawful detainer case and to clear my credit regarding same. I ran into some financial problems and couldnt make the payment in full. Since then I had been making good faith monthly payments and now the company sends me a bill which added on interest of approx {$200.00} extra a month. I told them that I never agreed nor did they ever put language in our agreement regarding interest. They broke the agreement and are telling me that by law they have the right to charge me interest.
I was approved by this company for a HAMP & mortgage assumption. I am XXXX years of age. This is what happened. I was faithfully making my payments on time and suddenly, my monthly payments started coming back to me. I was sent a letter and was told that my modification agreement was not properly notarized. I set out to get the proper notarization completed with the assistance of my housing counselor. All while this was going on, the continued to send back a total of three monthly payments, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and I did not send XX/XX/XXXX because I knew it would be sent back. All while this had happened I was going through health issues, I have XXXX XXXX XXXX XXXX XXXX and at the time I was XXXX XXXX XXXX. I am back on me fee but with the assistance of a XXXX. I went through mediation, and to make a long story short, the mediation was entered into a final which means, the lender took away my modification agreement and mortgage assumption. They said they wanted a lump sum payment, I had a certain amount to send them but I did not have the reinstatement amount they said I owed. I just want to say I feel this was not all of my fault because, when they said the medication agreement was wrong, they started sending back my payments and if only they had just kept the payments and placed them in reserve until I was able to get the correction done on my agreement. All would be fine and I would not be in this situation. I am XXXX years old, I have no where else to go, I have no family, I do n't have anything but my home. I am holding {$4000.00}. My counselor assisted me for a long time in finally getting the assumption approved and the loan modified and just when I thought I am going to be ok, this happened. This lender will tell you they made attempts to notify me and that may had been what happened but I was not in good health and still trying to regain my strenghth, I was in the hospital almost a month, it was a horrible time. All of the money they sent back they wanted back in a lump sum. And now my home is up for foreclosure, judgement has been entered and I do not know what else to do. I am scared.
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XX/XX/2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX and all non-account holding inquiries.
ON XXXX XXXX OF 2017 AS OF EASTERN TIME XXXX XXXX, AS A CITIZEN OF THE UNITED STATES AND XXXX TRIED TO OBTAIN A CREDIT CARD WITH DISCOVER. A REASON IN WHICH I FIND TO BE OBNOXIOUS SEEMS THAT THEY HAVE DECLINED ME DO TO CREDIT BUREAU INQUIRIES WHICH I FIND HIGHLY UNTRUE DUE TO THAT I HAVE N'T REQUEST FOR A CARD SINCE I JUST TURNED OF LEGAL AGE. ANOTHER ISSUE IS THAT WHEN SPEAKING TO AN AGENT OVER LIVE CHAT SPECIFICALLY AGENT XXXX CLAIMED TO HAVE APPROVED ME, I PROVIDED THE DOCUMENTS NEEDED, I HAVE TOLD THE AGENT I WANTED THE CARD EMAIL TO MY WORKPLACE SO HE ASKED FOR DOCUMENTATION WHEN I TRIED TO FOLLOW, IT SEEMED AS THE LIVE CHAT HAD ENDED. I THEN WHEN ON TO ASK ANOTHER AGENT AND THE AGENT WAS VERY UNHELPFUL AS TO GIVING ME A REASON WHY ONE IS DECLINING ME AND THE OTHER APPROVED ME AS WELL WHY HAVE ME SUBMIT ALL OF MY PERSONAL DOCUMENTATION. I FEEL AS THIS HAS BEEN A FREUD ON THE BEHAVE OF DISCOVER.
Capital one ending in XXXX lost XXXX of my payments and applied to my old card in XXXX NONE were ever late they stated they never reported it as late
Wells Fargo Dealer Services is reporting wrong information on my credit report for a debt that was paid in XXXX 2015 in flagrant violation of the Fair Credit Reporting Act. Wells Fargo Dealer Services is reporting a rating of XXXX on a scale of XXXX on my credit for a debt that was paid off in XXXX 2015. It is a wrong credit rating because the debt was paid off. Wells Fargo is intentionally reporting wrong credit information on my credit report and it has negatively affected me.
I filed with equifax a dispute about XXXX account it has been consumer dispute no resolution 's for over 90 days
I had met with a senior mortgage consultant in XXXX of XXXX to fill out enrollment paperwork for the XXXX XXXX XXXX program. She opened the account that day and said I was all set and we made the first deposit. She told me follow the instructions and to contact her when I was ready to start looking at homes to buy. For the next 10 months I made my monthly deposits. When I started to look at houses I emailed my mortgage consultant and made sure I had all of the deposits made and was on track. She then had me attend a first time home buyers workshop. I completed that and sent her the certificate again making sure I was all set with the XXXX. When I went for a preapproval in XXXX of XXXX she said I had 24 months to use the XXXX grant. I did not end up purchasing a house then. When I emailed her again this past XXXX, I did not get a reply so I emailed another mortgage consultant. She proceeded to tell me the original lady was not with the bank any more and that I was not enrolled in the XXXX XXXX XXXX program. I sent all of my enrollment paperwork to prove that the account was open and was told that the bank had made a mistake and my paperwork was never filed. I was told that when I applied for the actual mortgage the bank would make it up to me as I was losing {$8000.00} in the grant. I just went in last night to talk to my new mortgage consultant to fill out an application because I had found a house and put an offer in, she told me that the best they could do was to maybe reduce my interest rate by XXXX of a percent and that i would not get any where near the {$8000.00} that I lost from the grant.
In the last 60 days I've been garnished by this XXXX XXXX of s total sum amount of $XXXX, every single month since I've had this loan they've been adding $XXXX every single month to the balance since the date of voluntary repossession of XX/XX/XXXX. Now they are garnishing me again knowing I am a single mother also XXXX XXXX of XXXX XXXX  children and I have left emails but the company manager is so unprofessional he just forwards my email rather than giving me an immediate response. I have had this same balance for three years and they are the most fraudulent sub prime lender out here. Ive paid over $XXXX XXXX for a $XXXX   loan and why does my balance still reflect $XXXX? Where I started? XXXX XXXX are not following correct practices have never showed me no evidence of the repo sale nor a detailed billing of my entire account I requested since I first had this loan. They are a joke to consumers ripping off subprime consumers. I have other coworkers who are also with credit concepts who have showed me evidence of their wrongdoings and we are all going to take this to Attorney general.
I had a Citibank checking acct that was opened around late XXXX XXXX and was dormant from XXXX through XX/XX/XXXX with a balance of {$12.00}. XXXX had closed all their nearby branches and we switched institutions.I had been receiving monthly e-mail statements. At some point that stopped. In XXXX, XXXX, Citibank began charging the account a monthly maintenance fee. I did not know about this until XXXX, XXXX, when I received notice that my XXXX XXXX overdraft line of credit was delinquent. Citibank 's explanation for the charges is that I did not maintain a combined balance of {$10000.00} or more. I do not believe I have ever had that much in the account over its entire life. In XXXX I spoke with a customer service " supervisor '' named XXXX who stated that the chargeswould be reversed. Since the account was closed she stated I would receive a check or checks for the full amount plus the {$12.00} balance and I would then send a check to XXXX to cover the balance on the now-closed account. Inever received checks. 
Subsequent phone calls were either cut off mid-call or answered with a simple, " Hello? '' and then disconnected. I finally spoke to someone last month who stated XXXX would " investigate. '' I now have a mailed statement that all the charges were correct and that I must pay them. XXXX has placed negative information on my credit reports which, I believe, caused me to be denied credit at least once and has also caused a precipitous drop in my credit score. I demand Citibank reverse these charges, refund my original balance, and remove all negative statements from my credit reports. 

Thank you for any assistance you may provide in this matter
XXXX XXXX is report erroneous things on my credit report. They have harassed, threatened me, called my work place and relatives on a debt I do not owe! I have written them 3 times asking for proof of debt and they have yet to provide me with ANYTHING. After calling XXXX and Experian the representatives told me the way they verified this account was by asking XXXX XXXX if the info is indeed true. All they did was ask and took their word for it! And they have yet to show me how I owe this debt! No PROOF at all! What a disservice they are doing to the public by blatantly admitting that they " take their word of the reporter ''. How are things ever going to get fixed if the person paying you is supplying incorrect info to my file and you just take their word for it!
Starting XXXX XXXX, XXXX and continuing through today XXXX XXXX, XXXX Southeastern Toyota Finance calls my home line a minimum of 2 times a day regarding a payment arrangement I made on a voluntary repossession of a XXXX XXXX XXXX. The payment is due on the XXXX of every month ( {$150.00} ). I have not even been late. Today the reason for the calls " Is to see if anything has changed '', according to XXXX XXXX with XXXX ( XXXX XXXX XXXX XXXX ).
I got a Best Buy credit card in XXXX 2016. Under the terms & Conditions the annual fee came up and I specifically asked the salesmen more than once if I was going to get charged this year & he said no. They charged me the fee causing me to pay more than I intended to. I told the sales rep that I had the cash to pay my purchase & if I was going to get charged I did n't want it. Again I read the terms and discussed the annual fee start date with the rep and he assured me it would n't get assessed til next year. This is very wrong. So much for 12 month zero financing. This happened in XXXX!