WillisBack/dataset-financial-user-claim huggingface dataset:
Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 08 XXXX   XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX   XXXX XXXX ) XXXX,
I applied for American Express through their pre approval page on their website. It showed me 3 cards with 2 different interest rates. When I received my card member terms of agreement ; the APR was at a random amount not even shown in any of the pre approval options. I called them right away and they made a case. Ive called about 6 times on the matter and no one there can get to me a department that can explain whats going on nor do they send me any correspondence about this so called investigation which they told me takes 60 days. Ive had my account open now about 4 months. To make matters worse, I received their 15 months no interest offer, and I keep getting charged interest every single statement period. Im sick of calling them. Theyre incorrectly and I feel illegally, reporting false debt totals to the credit bureaus. Ive called about this also every single month. Nothing is done. Im furious.
XX/XX/2017 Called Wells Fargo credit card company spoke to XXXX, I asked about the interest I was being charged on my account he told me the % amount. I asked for the dollar amount, he did not answer. I told him I want to close my account, he stated well I guess you do not want your XXXX rewards points, I said yes I do, how can I apply that to my account pay off. He stated " to late I already closed your account ''. I asked to speak to supervisor, I started cursing and XXXX said your account is closed and hung up. I called back, I spoke to XXXX ; customer care services, I asked him about my rewards points being applied to my account. XXXX said it takes 2 to 3 days to process the last payment I made and close the account, he ask me why I was closing my account. I told him, the several times I called in XX/XX/XXXX, to ask the amount I need to pay to not pay interest, I was told a different amount each time, which I paid and not told what amount of interest I was being charged.Then he said that my account was already closed, 2 days ago and no way of knowing how many reward points I had. I told him XXXX rewards points, I told him I did not call their company 2 days ago,. XXXX stated that he did not know why the closing of my account was back dated to 2 days ago. I said a cuss word, XXXX said he would have to hang up if the obsinities continue, I told him I did not close my account 2 days ago. XXXX said he was not able to do anything, and hung up.
Sent in all the documentation required for a modification review on XXXX/XXXX/2015 and my lender is refusing to review the documents because of the foreclosure sale on XXXX/XXXX/2015. I had an authorized 3rd party call my lender on XXXX/XXXX/2015 and they stated that it was too close to request a postponed. They had previously reviewed me in XXXX of 2015, but at the time I was only a part-time employee. I have now received full time employment. Since my situation has greatly changed and I submitted the documents to my lender 11 days prior to the sale I am asking for them to postpone to allow for a proper review.
We were having financial problems and applied for a loan modification with US Bank. The application was processed, but I failed to list a few expenses, so was told by a representative to resubmit. I resubmitted, but was then told I was approved for a repayment plan, which over doubled the payment, and could not reapply until the prior one was closed. I advised I only did what I was told. I ended up having to submit an application approximately XXXX times and each time was told the file was incomplete and closed, yet when I asked what was needed, was told nothing. I had submitted everything necessary. The process took over a year to finally get a result. The last time I resubmitted, the file was denied for rental income on a property that was not listed on my application, nor was referenced with my credit file. I advised this is not my property and there is no rental income. The file was denied, yet again. I spoke with my contact person, who confirmed it had been closed and for a wrong reason. She had also advised them this property was not mine. I emailed the president of US Bank at that time. The following day I receive a call advising to reapply. I told the individual I refused to reapply for the XXXX time, and the error was on their part. He resubmitted the file as it was, and it was then approved. The length of the process cost me excessive attorney fees due to a foreclosure process. I completed the trial plan, and also the modification. A partial claim was filed, which resulted in all the fees and arrearage being rolled into another mortgage. A few months ago, I made a payment over the phone, which the associate from US Bank input the information incorrectly. Results, the payment returned for an incorrect account number. The call for the payment was reviewed, and confirmed the bank made the error, again. Today, I still have a charge on the account for the returned item from the bank error. I have spoken with several people regarding this fee, to only be advised they do not know if they can remove it or not. I explained the fee was not due to my error or returned check, but due to the bank 's error. Still, they would not remove the fee. I have since advised the bank not to call my cell phone, but I still get calls at various times of the day and at times, 2-3 times a day through their dialer. I answer when the calls are received, only to have the bank hang up. Over the life of the loan, I have had the bank refuse my payments when XXXX was due, hang up on me when asking to speak with a supervisor, provide poor service on my account, and now charge me additional fees for their mistake. The end result will be I will lose the home due to these problems.
XXXX  Equifax and XXXX  continues to PARROT unverified inaccurate information on my CR. CFPB the attachments confirms these accounts are inaccurate and can not be verified. The reporting agencies identified are in violation of the FCRA. XXXX XXXX Reports charge off but performs a unrequested fraud investigation. I DID NOT REQUEST A FRAUD INVESTIGATION ON ANY ACCOUNTS THROUGH XXXX XXXX!
On XXXX XXXX XXXX, I was on XXXX and I selected the " PayPal Credit '' option upon checking out. Soon after authorizing Paypal Credit as the method of payment, I received a decline notice. To my surprise shortly after, I received a confirmation email from XXXX. As per my review of my Paypal account, I realized Paypal denied my Paypal Credit application and withdrew the funds ( {$1600.00} ) from my debit account without authorization. I have contacted Paypal on numerous occasions to settle the unauthorized transaction detailed above to no avail, please see below for my summary of each attempt to settle this issue : 1. XXXX : I called Paypal and advised them that the funds were incorrectly withdrawn from my personal debit account. The agent stated he could not explain why that happened since I explicitly chose Paypal Credit within my checkout option. The Paypal customer service representative advised me to issue a stop payment with my bank and stated that doing so would trigger a refund on behalf of XXXX. 2. XXXX : I contacted Paypal after receiving an email stating that my Paypal account was - {$1600.00} and that I owed Paypal the same. After speaking with a Paypal customer service representative they opened a dispute ticket in an attempt to resolve the issue. On this phone call the customer service representative stated that Paypal will attempt to negotiate a refund via XXXX and if that did not work Paypal will issue the refund and in turn, my account would show a {$0.00} balance. 3.  XXXX  : I contacted Paypal to follow up and after speaking with numerous agents ( 4 - 2 customer service representatives ; 1 supervisor ; 1 dispute manager ), the dispute manager stated that the I entered in an agreement with XXXX which allowed Paypal to disclose my personal banking information and authorized them to withdraw funds. My Issue : Please note, there isn't any disclosure of this when selecting Paypal Credit as a payment option. I have read through XXXX 's Purchase Policy, XXXX 's Terms of Use, and Paypal 's Terms of Use and there is no mention of such agreement. Furthermore, the Paypal dispute manager stated that I have selected for my debit account to be used as a backup account in the case of a credit denial. That is incorrect. I have never opted for my debit information being used in the instance of a credit denial. What I have done is use my debit information to pay my Paypal bill and pay invoices. At no time did I grant Paypal the authority to use my banking information at their discretion. Finally, adding insult to injury the dispute manager at Paypal stated that this is an agreement that Paypal and XXXX have in place in order to " sell '' tickets. The one and only endgame here is stripping people of their money whether it has been authorized or not in order to give them monetary gain.
FIRST - CFPB is the best and an excellent agency and now I understand why needed. 

I filed a complaint with CFPB previously - XXXX about EXPERIAN. As a result they sent me a paper credit report via US Mail services. I received on XX/XX/18. Report # XXXX. I reviewed just now on XX/XX/18. At first I thought there was fraudulent information on the report I received and called 2 of the companies shown on the report that I had never heard of : 1. XXXX XXXX XXXX and 2. XXXX XXXX XXXX XXXX - as the report showed me as joint responsibility with a XXXX XXXX XXXX and another with an XXXX XXXX. I have never heard of either. And both companies had no record of me when I called them. They advised that EXPERIAN had the wrong information for me. 
One of the accounts on the report I received had XXXX XXXX as my wife. Which is impossible as I am XXXX and have been with my man/husband since college. 
I realized going line by line on the report EXPERIAN sent me - none of the accounts were mine. I do have a XXXX 's credit card but not the account they state and mine is open. Not closed. But again - none of the accounts are mine. NOTE : XXXX and XXXX both have my correct and current information. 
HOW COULD EXPERIAN SEND ME THE WRONG REPORT? This scares me. I have been unable to get a report ever from EXPERIAN via PHONE or ONLINE. They always say I have to submit via mail. Which I won't send my personal information through mail as if lost, I am totally open to fraud. 
Unlike XXXX AND XXXX - EXPERIAN does NOT have a number to call to speak to a human. Why is that? 
I am going through CFPB first to obtain my real credit report and to make sure it matches XXXX  and XXXX. 
I will go to my attorney [ and press ] if EXPERIAN has opened me up to fraud. Now I know why I haven't been ever able to get a free credit report each year via the phone or online - they have my file totally screwed up. 
I want my correct credit report with my accounts on it and I want a security freeze placed on my account right away. And I want an EXPERIAN representative to call me and tell me they are straightening this mess out. This is unbelievable in this day and age. And I want to be able to go online every year to obtain my free credit report just like I get every year from Experian and XXXX. 
CFPB - please help me. Thank you once again. 
ps. I did not attach the report received as I was not sure that was the correct thing to do but I can if needed. None of it is my information.
I am utterly disgusted at  Conns Home F urnishings!! I purchased a new  75 '' 4K sm art TV from them yesterday at  XXXX  and they ran my credit and took my money up front I paid {$400.00} to get the loan to get the TV. I got the TV home and left it safely there unharmed until my work day finished then I unpackaged it and set it up! It was wonderful until .... half way through the first movie on the left hand side of the TV a blue line appeared. Needless to say I called  Conns  and they said I needed to call the repair center they could not replace the TV they can send someone to repair it!! I could not call the " repair '' center as they were closed so I called  XXXX , they did some simple test and they told me they could also send someone out to " Fix '' my TV I said no way! I paid for a new TV and I should get a replacement asap! they said the repair team would have to determine if that is the best option for me! I told them it paid for a new TV and that 's what I am getting period. I asked to speak to manager and they are supposed to be calling me back. SOO the next day today   X/XX/2017      XXXX  I called the " Conns Repair team '' and they tell me basically they can and wont do anything for me and that I have to work with  XXXX , I said so you sold me a defected product and you wont do anything at all about it!! To be fair they should be sending me a new TV with free installation!! I went round and round with them and they kept saying the same thing call  XXXX ! I did n't even have this TV for  XXXX  and its defected and they said I can bring it back for a full refund or call  XXXX . Wow!! really I wanted the TV that 's why I purchased it not to have to bring it back .. no customer service skills at all and I am getting treated VERY unfairly.
Regarding item # XXXX car loan for XXXX XXXX be reported by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, CA XXXX. PH : XXXX. This loan was paid in full on XXXX and is recording late payments on my credit report of Experian and XXXX XXXX. Experian says this will stay on report until XXXX and XXXX XXXX until XXXX. The first late payment XXXX so this item should drop off my report by XXXX. Why is Experian keeping on my report until XXXX? Inconsistent reporting by Experian and XXXX XXXX XXXX. These items listed more than 7 years from first delinquency. Removal dates for Experian and XXXX XXXX not consistent. I have several issues with XXXX XXXX XXXX not recording my payments correctly when loan was active. I want XXXX XXXX XXXX XXXX account deleted from both Experian and XXXX XXXX ASAP.
After several back and forth with chase about XXXX debts that was being reported on my credit report is inaccurate I closed the accounts and chase said I received new cards. I have asked for the dates and address where chase sent the replacement cards. the dates and addresses are not right that they have gotten from the public records and I have never received anything from them at my address where I live ... I did receive a letter from in response from a different person again saying they are willing to remove these accounts from my credit ( I have attached the letter ) I responded with a letter telling them they did not need my permission to do that but I gave them permission to remove those accounts anyway, and I have not heard from them nor have the those accounts been removed. I believe under the fair debt collection practice act and or fair credit reporting act they should be able to give me all the information to do with these account and if they do n't have the information they need to remove the accounts from my credit.
The fees on this loan are extremely high and upon research I don't think this loan is legal in the state of Michigan.
in XX/XX/XXXX i obtained a loan from XXXX XXXX XXXX. in XX/XX/XXXX i was informed online payday loans were illegal in the state of NJ. I called NJ dept of banking and insurance for assistance with this issue. they responded to XXXX XXXX on XX/XX/XXXX and forgave the loan ( see attatched ). Since they forgave the loan they have reported this as a negative on my credit report. the letter states they forgave the loan and closed the file. I want this negative item removed from my transunion report because the information is inaquate.
1. Private Student Loan originated -XX/XX/XXXX 2. Repayment began XX/XX/XXXX 3. Faxed in school deferment forms XX/XX/XXXXwith verification of enrollment. ( I have proof of documentation as well as correspondence from Navient of eligibility of deferment ).

4. Was told to make 3 payments of specified amount by XXXX XXXX  ( XXXX ) to make loan current through beginning of school Fall XX/XX/XXXX semester beginningXX/XX/XXXX with registrationXX/XX/XXXX ( I have proof of payments made and account in good standing as well as enrollment verification. )XX/XX/XXXXPayment - {$66.00} XX/XX/XXXX Payment - {$120.00} XX/XX/XXXXPayment - {$100.00} 5. Was First notified on XX/XX/XXXX that loan was in default with no previous contact or notification from Navient except for a " this is not a bill '' statement received onXX/XX/XXXX.

6. I was told on XX/XX/XXXX by representative to resend documentation of deferment ( I have email proof as well who I spoke with ).

7. XX/XX/XXXX loan was charged off without warning and I was notified by XXXX XXXX XXXX.

8. Called Navient, filed complaint, they researched into this complaint and in less than 24 hours without contacting me for any documentation said there was nothing they could do even with the proof of documentation I sent.

9. Currently, 4 law suits against Navient for this exact reason.

10. Please help as it is preventing me from getting financial aide to complete my education.
My mortgage obtained in XXXX was with American Home Mortgage which filed bankruptcy in XXXX. In XXXX there was an assignment recorded to American Home Mortgage XXXX XXXX XXXX. According to the PSA this had to be transferred with XXXX days of the trust closing ... .It was not. Ocwen is now the servicer. I sent them a Qualified Written Request to find out who owns the loan & have been told that owner is XXXX, as Indenture Trustee for the trust. I contacted XXXX & they did n't have any information on my loan. I also contacted American Home Mortgage XXXX XXXX, trustee & they did n't have anything. Ocwen is now foreclosing & they have not provided me with the information requested. I told them to contact XXXX but they have not. I believe this is a wrongful foreclosure. I qualified XXXX with HOPE Now for a modification only to be turned down by Ocwen. I presented a short sale only to be turned down by Ocwen. This leads me to believe that they know XXXX does not have the loan & they can foreclose & make money. How can a company that is no longer in existence transfer anything? Particularly after the PSA states that it had to be within 90 days of the closing of the trust? I am supposed to have a single point of contact person at Ocwen & was provided a name but he usually is not available. I make appointments for him to call me back & either he does n't call or someone else calls. I have requested to talk with someone in the U.S. but my calls go to XXXX & they wo n't transfer me to the U.S ... .said they could n't. I call different phone numbers hoping to speak with someone in U.S. but it always goes to XXXX. I have a fraudulent assignment & other forged documents. I have given these to Ocwen but they refuse to research to find out just where my loan is. I would like to go to Ocwen & have them show me all of the documents they have if possible. I will file a lawsuit against them. They are terrible to deal with.
Hello, I paid the remaining balance of my rent in the amount of XXXX like I do every month using my Capital One 360 checking account. But for some reason on today XX/XX/XXXX the balance was reversed without my permission making it as if I did not pay my rent leaving me in a very bad situation with my landlord. I contacted Capital One and they provided no reason as to why the payment was reversed other than a XXXX XXXX who works for Capital One did it. I need a very good explanation as to why this money was reversed and now I am having to pay again my rent which was already paid and having to explain to my landlord why my payment was reversed without my knowledge or my consent. I also need a letter stating that Capital One reversed this payment without my knowledge or my consent so I can do my best to avoid any late fees and eviction since I am going to have to pay more money due to Capital One error.
Did n't receive a notice five days prior to this creditor inaccurately reporting debt that is not owed to my credit file. The law states that a consumer must receive prior notice of their right to dispute and XXXX XXXX XXXX XXXX failed to adhere to the law. This debt is not owed.
I have a XXXX XXXX credit card. I have never opted into the over the limit program, never been late, never been over the credit limit. 

On XX/XX/XXXX Chase flagged my credit report as over the limit The following attachments prove I have not gone over the limit. I was able to confirm I never gave Chase permission to allow purchases to put the balance over the limit. 

I spoke to Chase and asked have I ever been over the limit ever? Chase ;  no Then why are you reporting derogatory information on my account. 

Chase then escalated the call and the supervisor told me Chase aggressively reports against consumers even if the information is false. 

Chase has a terrible system in place to hurt consumers credits first before reviewing anything that might hurt consumers credit. There is no oversight and the entire reporting policy is anti-consumer. 

Additionally, we have an account from a previous time that was paid late due to moving houses. The account was paid within grace period but marked late on XX/XX/2014. Chase refused to remove the information from my credit report, even though the history proves we have never been late on this account. 

Again, Chase credit reporting is anti consumer and overly aggressive to the point it is hurting consumers that are actually excellent customers.
I bought a house using XXXX home loans and closed in XXXX 2015. A couple of weeks later my mortgage was sold to US Bank. The date of the transfer from one to the other was XXXX XXXX. 
I made my mortgage payment on XXXX XXXX 2015, of {$1700.00} to XXXX XXXX XXXX ( before my mortgage switched to US Bank ). Since the take over US Bank has said that I still owe the payment due XXXX XXXX, and XXXX XXXX Loans, say that I have paid it and they are wrong. I have made 4 calls and spent time trying to find where this missing payment that these companies can not figure out. 
So now I have become a middle man between XXXX multi-XXXX dollar companies to resolve a payment. I do not owe US Bank a payment until XXXX XXXX 2015.