WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX Card # XXXX ending in XXXX and XXXX have been reporting on my file as Charged Off. I have XXXX. Court of XXXX XXXX court in GA 's judgment where it clearly shows, I, XXXX XXXX, is not party to these cards. They are company cards and company settled the cards with XXXX in official court settlement. I have sent XXXX County Court Order and Settlement Agreements of Company with XXXX to all XXXX agencies, namely Equifax but they fail to delete these cards stating that one on settlement is not reporting however the account ending in XXXX is in fact ending in XXXX and XXXX is reporting it improperly or credit agency does not care. This is my 10th or 11th time disputing this as its clearly effecting my credit history and my ability to survive financially. Upon various requests in writing, credit agency failed to even explain how they are verifying this info. Other than these XXXX derogatory information, my credit report has been spotless.
I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your Company XXXX, GA XXXX. 
for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously harmed my credit. I have Consider class action Law suit against the Credit Reporting Agency XXXX. claimed that XXXX violated the FCRA by the company XXXX allegedly erroneous reporting of XXXX XXXX XXXX on credit file.
Note the fields requiring an answer do not accurately describe my complaint. I have a B of A debit card which I use at ATM machines to get cash when I am on vacation. I always avoid fees so I only use my Bof A debit cards at Bof A ATM machines. I am going to Vermont. There are no BofAs in Vermont. BofA refuses to waive ATM fees for ATM use in Vermont, even though they have no locations in Vermont. This is an unfair and deceptive business practice, as they market a product, the debit card, then make it impossible to use without a fee. They do not accept email complaints from customers. I made a telephone complaint and was told it would be reviewed by a supervisor but not necessarily responded to. Their suggestion was to simply carry large amounts of cash so I would not need the ATM machine.
I received a notice in XX/XX/XXXX that my mortgage payment would increase by {$610.00} per month beginning XX/XX/XXXX. 
The reason was an escrow shortage. They said my escrow account is short {$4200.00} and that following repayment of the shortage, my mortgage payment would be {$1400.00}. This is an increase of {$260.00} per month. 

I sent the mortgage company ( Caliber Home Loans ) a certified letter requesting specific historical information on beginning and ending balances since the inception of the loan in XX/XX/XXXX, tax and insurance bills received and disbursements made. The notice I received only shows the previous year. I received a refund of excess escrow in {$1200.00} in XX/XX/XXXX. My mortgage payment has been adjusted multiple times since the loan originated. Consequently, I have no confidence that the accounting is correct. So, I requested full documentation of all escrow activity. 

My understanding of my rights is that a reque3st for information must be handled within 5 business day. The mortgage company received my letter on XX/XX/XXXX. I have not received any response to date.
After repeated calls from Premium Asset Services and disrespectful remarks I settled the debt for {$800.00} upon doing so it still was not marked paid on my credit report. During this time my newborn was battling surgeries to stay alive which I told them and they were completely heartless of my situation.
My Experian credit report shows a collection against me. Date opened is XX/XX/XXXX. Company is XXXX, XXXX Fl. Original creditor is XXXX XXXX XXXX. In XX/XX/XXXX I disputed this collection and XXXX and XXXX immediately removed it. It then appeared as a new collection with Experian. I have had no financial/business dealings with XXXX XXXX since XX/XX/XXXX/XX/XX/XXXX. I would like this removed from my Experian credit report.
I have spoke with XXXX  on several occasions in regards to the derogatory mark on my credit from Southwest recovery department. There is no solid proof that I took out a loan on-line. There is no identification this company has of me beside my e-mail address. They want me to send them my information which is not necessary, because I took out this loan they should be able to provide proof that it was actually me. The representative at XXXX does not understand English,  which is very hard to explain things to them. Each state has its own statute of limitations on debt : the amount of time the court will force you to pay a debt. For the State of Florida An Open-Ended Account have 4 years to send someone to collection for a debt. They claim I took a loan out in 2012 which I never took out is past the timely filing limit. Which this should be remove off my credit. This company is doing fraud and needs to be investigated.
I have been victimized by an identity thief. They established several loans in my name and opened several checking accounts with credit unions and banks in order to withdraw funds from loans obtained fraudulently. I sent chexsystems via fax a copy of the police report that i had amended including XXXX checking accounts that were reporting in my name in their system. I had received an updated copy of my Chexsystems report showing the accounts removed. But later got an updated report showing the XXXX fraudulent checking accounts with XXXX and with XXXX Bank. This has been an ongoing issue in trying to get my name cleared. I should have nothing negative reporting on my file and only XXXX inquiry that belongs to me from XXXX. I am attaching to my complaint the amended police report that shows those XXXX fraudulent checking accounts on the police report
I applied for a modification wit h US Ba nk, and I was denied because it was stated that we needed to be in the home for  one y ear. We have been working with the lender since  XXXX   XXXX ,   XXXX  . During the process, I was sent a package, and began working with a housin g counselor.  At no time was I told I would not qualify for a program because I had not been in the home for a year. We were considering a repayment plan, but the schedule and the new mortgage payment would have been too much to handle. We continued to work with  US B ank, and on  XXXX  we received an acknowledgement letter for the modification request. Again, it is confusing that we would receive an acknowledgement letter regarding a modification when the denial states they could not offer this to us. Since we have moved into this property, we have had water bills that exceeded hundreds of dollars. We had to file a complaint to resolve the last bill of {$700.00}. There has been an increase in expenses due to this unexpected bill, which inevitably was in error. We have not been credited back for the previous amounts that were paid. We continue to fall behind and need some resolution to help us become current with the mortgage
Emerge Credit Card has been charging me 29.99 % interest on a card I not used for over six years. I voluntarily closed the account and have only been paying on the balance owed. However, it seems to only have decreased by about {$2000.00} on the principal over those six years. I need to get them off my back. I am XXXX veteran on set income. Please help.
XXXX   2017 ,  XXXX  formally  XXXX   XXXX  reported incorrect information to all   XXXX   credit bureaus causing and major drops in my scores. Trying to correct an issue with this company is impossible. The school that these loans were used filed bankruptcy, should n't there be something I can do?
I have been getting phone calls from a company by the name of XXXX XXXX, saying they were following up on a claim filed through XXXX XXXX. When I asked questions they got rather hostile. Told me that I needed to provide credit or debit card information to clear my debt. Said that they were real company because they knew my social and address. What raised a red flag, was that he said he called my job at XXXX XXXX and then he said he know I also worked at XXXX XXXX. I never worked at any of these companies. He then said he was going to file something against XXXX XXXX XXXX XXXX  XXXX. I looked up websites for both XXXX XXXX XXXX and XXXX XXXX XXXX and came up with nothing. He said I had other judgments/civil cases against me, which I am well aware that this is public record. When I asked him where could I find this information he had no viable answer. They also have been calling my sisters phone to get in contact with me. The number they called from was ( XXXX ) -XXXX.
Equifax did not notify me that my information was stolen from their company. Including ALL personal data putting me at a high risk of identity theft.
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX Re : Disputing errors on credit report I am writing to request a correction of the following information that appears on my XXXX, XXXX, and XXXX credit consumer reports : Dispute : [ Diversified Consultants INC -  on behalf of XXXX ] I have reached out to both XXXX and now Diversified Consultants on XX/XX/XXXX more than 30 days ago in regards to providing me with a itemized bill or agreement for this account. I also initiated a dispute through XXXX and XXXX XXXX. I have no recollection of establishing an account with this provider. It has been over 6 months. I have not received any proof of establishment of this account. The first outcome was a balance decrease. from XXXX to now XXXX. The second dispute result left comments on the bottom of my credit report that states that I am disputing this account. 


Thank you for your assistance. 

Sincerely, XXXX XXXX
Transunion had a computer glitch in their system that violated the rights of their consumers under section 6.11 of the Fair Reporting Credit Act. I have been greatly affected and my score is suffering as a result. This computer glitch caused all the inquiries on my credit report to be deleted and my credit score increased. The inquiries were then added back to my credit report without written notification in direct violation of section 6.11 of the Fair Reporting Credit Act. I have attempted to call Trans Union at XXXX on this matter several times being placed on hold for indefinite amounts of time or mysteriously disconnected. I finally managed to reach XXXX ( did not give last name ) on XX/XX/2019 at approximately XXXX hours. I informed XXXX that I was aware of the computer glitch and noticed several inquiry items on my credit report that had reappeared. XXXX 's response was, Where did you get information from about a glitch? Who told you that? I told him that I received that information from several sources on the internet including the CFPB. XXXX seemingly mocked me by asking, You believe everything you read on the internet? I reluctantly continued to speak with XXXX about the inquiries and unless I misunderstood him, XXXX stated, Doesnt look like you were affected. Out of frustration, I ended my call with XXXX. I am tired of being victimized by Trans Union. Its bad enough that I recently had to file Chapter XXXX Bankruptcy due to the untimely death of my spouse, but now that Ive been discharged from that Bankruptcy and trying to recover my finances, now I must deal with these despicable tactics on behalf of Trans Union. I demand that Trans Union remove these inquiries from my credit report immediately before I seek a legal recourse.
Yesterday I received in the  U.S. mai l a copy of my " Experian '' credit report. On " Page  XXXX  of  XXXX  '' under the " Record of Requests For Your Credit History '' is incorrectly states that "  XXXX   XXXX  '' had unlawfully requested my credit history on "  XXXX   XXXX .   XXXX  . '' I have NOT applied for " credit '' of any kind in over  36 co nsecutive months. I am the Victim of Identity Theft.
My Nationstar Mortgage has let my home owner 's insurance lapse despite reporting otherwise. I am having to pay this in order that my home owner 's insurance not lapse. There is no issue with my payment on my end, they simply have not done their part. Very disturbing.
i contacted the three credit report agencys. XXXX, XXXX, and Experian concerning the inquires that are on my credit report. 6 months ago I contacted them with a letter asking for them to be removed as they are not mine and they are not associated with anything I own or have ever owned. I then received letter back from all three that were just computer generated saying they have investigated and they belong there. I sent them out letter again stating these were not mine and asked them to provide proof they have these inquires are mine and I approved someone to run my credit.. during this time of the second letter I froze my account through some agencys and am trying to make sure nobody is accessing my credit again. I received the same generated email from all three companies stating the same thing but did not provide me with any documentation that they received proof these items are mine and I approved anyone to run my credit. I reached out to several of the companys that are listed as inquires and have never gotten a response back or anything letting me know who would give permission to run my credit.
Account  Resolution Services  has been reporting a medical collection debt to various credit bureaus since the debt was assigned to them in  XXXX . The collection is on a debt supposedly incurred in  XXXX , when I was insured and would not have been charged for  XXXX   XXXX . I never received any bills from the hospital, nor did I receive any notification of collection from Account  Resolution  Services. My first notice of the debt and collection was when I discovered it on my reports after being denied credit. Needless to say, it was a shock to find that my credit was unfairly damaged by a debt I never owed.     Earlier this year, I disputed the debt with Account Resolution Services, in writing, sending it directly to the address they are reporting as theirs in their tradelines --  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , FL  XXXX . Again, this is the address they are publishing on their reports to the credit agencies. So, to add to my frustration, my dispute has been returned undeliverable, as the address seems to be incorrect. It seems that even if they had notified me of the collection in the correct way, I wouldnt have been able to dispute it within the normally given 30 days. I now find myself questioning the legitimacy of not only the debt, but the company attempting to collect on it. I 'm pretty sure that a debt collector which obfuscates its real address in its reports to a credit bureau would run afoul of the Fair Debt Collection Practices Act. If  ARS  ca n't even report its own address correctly, what makes anyone think its data is any good?
My wallet was stolen in XX/XX/XXXX between XXXX XXXX and XXXX XXXX  in downtown XXXX XXXX. I discovered this because a charge went through at the nearby XXXX store for {$1000.00}. The person then continued to try and charge the rest of may cards all throughout the night ( thankfully those were denied as the limit was too high on them to allow the charges ). I reported this to my bank, XXXX  XXXX and called XXXX immediately and blocked my card online using the mobile app. In order to pay for things until I got my new card, I used online services ( XXXX, XXXX, XXXX XXXX ) while unblocking to make the transaction and then blocking again once I had to ensure no further unauthorized charges going through. I filed a police report, sent in documentation of my attendance at a makeup appointment that lasted from XXXX to XXXX XXXX ( the charge came through at XXXX XXXX ) and provided the makeup artists name and number to my bank. I also sent the other fraud notifications that I received. I can prove where I was the entire night through various other records but none of this was requested by the bank before they denied my claim outright, stating that because I used the card after the false transaction occurred that there was no error. This is patently false as I explained that I was using the card online, not my live card. I had no other way to pay for things since my card was taken. After explaining this, they reopened my claim, but have yet to provide any service around the fraud report, will not answer my emails and gave me an exploding deadline of XX/XX/XXXX, the week of XXXX to provide " more information that substantiates my case '' but have given no guidance about what information they need. To this reply I sent the evidence that the purchases made after the fraudulent transaction were made from my phone and not with a live card as the fraud person claimed. I am very frustrated and also out {$1000.00} after being financially abused by this person, and then my bank. Please help
I went to buy pants at the store and the clerk suggested if I sign up for a member card, I get a discount right away. At no point was I notified this was a credit card and all terms used to refer to this card made it sound like a free membership card. At the end when I found out that it was in fact a credit card, the clerk claimed it was too late and ca n't back out. He also said " it wo n't hurt your credit at all '', which is a flat out lie. On top of that, the discount was not applied at all to the purchase, in spite of signing up for the card. As the clerk was packaging up the pants and the card, his manager happened to be passing by and gave him a " congratulations on the Gap card ''. The way it was said was similar to a " congratulations selling the lemon car ''. Seemed like this was a shady type of car dealership the way I was handled, rather than a respectable clothing store I assumed it was.
I am submitting Feedback to a claim with Chase filed on XX/XX/XXXX and XX/XX/2017. ( I have tried for days to reply to respondent, Chase but can not get back into your system ) Ref # XXXX In conclusion : Chase Bank directly lied to me upon my asking if my condo needed to be my Primary Residence. I was told 'NO ' ... .later I was told it had to be my primary residence, but they did not want to 'discourage ' me? Really? 

Lie # 1 After speaking with one of their customer service reps handling my case of loan modifying went on to tell me 'you are not in arrears ' with mortgage payments. Apparently if I am not in arrears I am not struggling. So I asked if it would help if I were to become in arrears? 

Lie # 2 Chase continues to ask me if I would like to re apply for a loan modification? My circumstances have not changed. 

I qualify for the loan modification financially but Chase refuse to help a senior when most needed. My savings will soon run out so apparently Chase would, according to their statements like me to apply once again. 

None of this makes sense. However, I did some research and found that Chase offers a loan modification to its customers but rarely, if ever, approves it. There were hundreds of complaints regarding my type of situation. 

I am XXXX yrs old. I need help. I have been with Chase for more than a decade with an outstanding record of on time payments. Now when help is needed I am denied? 

Why? Is it age related? Predjudice? I  waited 6 months after applying and sending in my life long history of bank acct, social security income and all that was asked ... .Chase had me wait so long that there was not one but two appraisals on my condo! 

When asked if I could refinance, I was denied as well. Chase said my condo was worth less than what I paid for it. 

Would Chase Bank like the condo back? Is that what they are seeking? A fore closure of sorts? 

I have appealed to you because I genuinely feel there is something underhanded, illegal and puzzling about the way Chase has handled their customers. If you could look into their complaints of their business practices, I think you will find some measure of illegal activities going on. 

Thank you for all of your help. 

Chase Bank XXXX XXXX XXXX XXXX, OH XXXX
SOMEONE USE MY INFORMATION SOCIAL SECURITY NUMBER AND OPEN UP NUMUEROUS ACCOUNTS IN  XXXX   XXXX  WHICH I NEVER LIVED. I PROVIDED ALL MY DRIVERS LICENSE FROM  XXXX  TO  XXXX  TO SHOW WHERE I HAVE BEEN IN ALABAMA ALL MY LIFE. I AM ASKING THAT EVERYTHING PRETAINED TO  XXXX   XXXX  NEVADA BE REMOVED FROM MY CREDIT FILE. EQUIFAX HAS ALREADY CORRECTED AND DELETED.  XXXX  AND  XXXX  HAS NOT. PLEASE SEE THE FOLLOWING ACCOUNTS CHAPTER  XXXX  (  XXXX   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVADA ) I AM SEEKING THE HELP OF THE CFPB TO ASSIST ME WITH GETTING THESE ITEMS REMOVED FROM MY CREDIT REPORT FROM  XXXX  AND  XXXX . AND   XXXX   XXXX   FROM EQUIFAX
I am a Discover Bank customer and must escalate a very serious cheating incident by your customer service XXXX. On XXXX/XXXX/XXXX, I called your customer service to close my XXXX savings account. Meanwhile I requested the refund check of the remaining balance in my savings account. The customer service XXXX promised to send me the refund check by expedited mail XXXX XXXX XXXX. The name of this XXXX is XXXX XXXX and she is in XXXX XXXX XXXX location. 

Then on XXXX/XXXX/XXXX, I called your customer service to ask for the FedEx tracking number of my refund check. The customer service XXXX said that she will contact the back office and will call me back with FedEx tracking number. This time the customer service XXXX 's first name is XXXX and her agent ID # is XXXX. Today this XXXX called me back and told me that the refund check was mailed out on Monday via FedEx. However, she said she did n't have FedEx tracking # for me. 

This evening I had to call FedEx to inquire about this FedEx mail from Discover Bank. After I provided my mailing address to FedEx, I was informed that no FedEx package being sent to my address was found in their system. Apparently your XXXX customer service XXXX XXXX XXXX ID # XXXX ) was cheating on me because either the refund check has not been mailed out yet or it was mailed via regular post office mail instead of FedEx. 

I feel so frustrated that your Discover Bank customer service XXXX does n't have any business integrity but instead has been lying and cheating on customers. It is NOT acceptable to me. 

I request that Discover Bank XXXX XXXX to investigate this incident and take disciplinary action on the customer service XXXX who was cheating. Meanwhile, I request Discover Bank to compensate me {$100.00} for this incident. In addition, I ask your CEO to call me and tell me where my balance refund check is. My phone number is XXXX. I hope to resolve this incident with you before reporting to Consumer Financial Protection Bureau as well as all national media and social media. 

For you to locate my account, my address is XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX.
On XX/XX/21 I called Citibank to understand why finance charges were being applied to my credit card account despite the fact that I had paid the balance in full every month. I was informed that due to a partial late payment in XXXX -- I paid off the full balance 1 day late -- I was being charged daily interest on every purchase made for a subsequent 2 month period. Interest was being applied not on an unpaid balance, but on every transaction. In essence, this became a card that is not a credit card. No revolving credit for 30 days, as is the common understanding of credit cards. I have never encountered this type of penalty for a late payment. Nowhere on my statement does it indicate that I am no longer receiving credit of any kind. I feel that this is a predatory lending practice that I could not possibly have been expected to anticipate. Had I understood this was happening I would have used one of the several other avenues I have for credit over the last two months.