WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted Equifax on numerous occasions and had the landlord contact them to state that the judgement listed on my credit report needs to be deleted. It was not a judgement, it was where I went to court because I withheld rent until repairs were made. I was awarded XXXX and paid the rent as determined by the judge. The way that it is listed on my credit report makes it appear as though they took me to court for not paying rent.
XX/XX/2018 NOTICE OF LAWSUIT SETTLEMENT OFFER EXPERIAN XXXX. XXXX  XXXX XXXX TX XXXX To Whom it may concern : I regret to inform you that your company is now the target of a lawsuit due to an endless circle of grief you have caused me. You have violated the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act on multiple occasions as described in the following lawsuit. I have an extensive paper trail along with substantial proof of these violations. 
I am willing to settle this matter and save us both aggravation of fighting this out in court. I am willing to withdraw the law suit upon. 
1. Immediate Deletions of the following Accounts 1. Public Record Account # XXXX 2. Immediate Deletion of all Inquires 3. Removal Of Identity Theft Alerts 4. Update My name and address as per my Drivers License Do these things within 5 days of receipt of this notice and I will immediately withdraw the lawsuit against your company. If you wish to settle this matter you may contact me at the address listed at the bottom of this letter with an updated credit report with the necessary changes Thank You for your help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX DOB-XXXX SS # XXXX
RBs Citizens has filed a Judgement against me and is attempting to collect debt after reaching a settlement agreement and has ruined my credit ... and they are denying that they settled with me ... The facts are, if they didnt settle with me why did they release car title?
Originally took out a private student loan in XX/XX/XXXX/XX/XX/XXXX in order to be able to finish college for about $ XXXX. It 's now 10 years later and I still owe over $ XXXX. I 've never made a single late payment, always pay above the minimum payment needed. It 's supposed to be a XXXXmonth loan and there 's no way it will be paid off in 14.5 years! I believe AES has been committing fraud and trapped a young naive XXXX year old student eager to go to college. Each month it appears they never apply the extra amount to principle balance, but instead use it towards future payments meaning that I 'm always paying interest on a higher principle balance than if they had applied the excess payments to principle balance. Each month the amount applied to principle balance and interest balance is HUGELY different each and every single month.
I have repeatedly asked for an update to credit report with all  XXXX  credit bureaus in regards to  XXXX  reporting on my credit report. It is now  XXXX  2017 and the account is not reporting as " Included in bankruptcy '' This is an ongoing issue. I do not understand why I have  XXXX    XXXX    accounts reporting on my credit report anyhow. They are all the same account, I only had  XXXX  loan with them but because I refinanced with them for the same account they listed another account. The account was sent to collections after my bankruptcy was filed, However, the collections account removed item from my credit report, stating they did not have knowledge of my bankruptcy before the account was sent, their resolution was to remove it.  XXXX  sent my account to collections after I filed for bankruptcy, knowingly aware of the status yet they violated my rights nonetheless. This is very frustrating and regardless of the attempts with the credit bureaus and CFPB also investigating, I am not getting any results. I have several investigations into this matter filed and saved and will have to pursue a different avenue if the issue is not fixed.   XXXX   is in violation of the bankruptcy laws and no one seems to care. They reported my account late with a balance up until the past 2 months as " OPEN ''?????
XX/XX/XXXX, I went into my bank to refinance my vehicle. I found out that the XXXX pulls my credit from XXXX. XXXX  has outdated information reporting to my file. In XXXX of this year, I purchased a new home. The three national credit reporting bureaus, XXXX, XXXX  and XXXX  was used. I had an issue with the XXXX XXXX XXXX XXXX posting to the bureaus. I received a letter from them to update my credit report recently. I've been checking my report regularly and don't have any collections on it. XXXX is still posting some outdated and/or inaccurate information on my credit report that is hindering me from getting an approval to refinance my vehicle at a lower interest rate. I was contacted by the bank representative noting that there is something on my account that disallow the refinance approval. I was told mainly that my home that I purchased on XX/XX/2018 is not showing up on my account. The bank representative left a message on my phone noting that something is showing up on my credit report by XXXX. This is the third time that this bank has denied me an approval for information stored on the XXXX report. XXXX  is not sending me a report so that I may dispute any inaccuracies pertained on it.
I was reviewing my Transunion Credit Report and I confirmed that Transunion is still reporting my XXXX XXXX account still to be open. I paid this account in full 2 months ago and this is account is reflecting correctly on XXXX & XXXX as paid in full ( {$2100.00} - Never any late payments ). The dereliction of duty of Transunion to be reporting factual information on my Transunion Report is causing a negative impact on my credit worthiness and credit score and is a direct violation of the Fair Care Reporting Act.
I sent out the 1st complaint electronically to XXXX/XXXX XXXX on XX/XX/XXXX asking to verify the " alleged '' account # XXXX in the amount of {$830.00}. I was never contacted, however my credit report had a mark from them which was not dated since the last activity showing was in XX/XX/XXXX saying " charged off as bad debt, purchased by another lender ''. I then realized there is a collection account showing as Cavalry Portfolio, on my credit reports for the same amount and account number, so this " alleged '' account that XXXX/XXXX XXXX   is reporting as derogatory on my credit report and number of 3 times. I then send a certified letter on XX/XX/XXXX and it was delivered and signed for on XX/XX/XXXX, asking both XXXX/XXXX XXXX  & Cavalry Portfolio to verify evidence of signature showing the " alleged '' account was reported accurately. I also asked them to provide me with all names, addresses, and phone numbers of each person 's verifying the " alleged '' account. I then receive a letter dated XX/XX/XXXX from both parties simply stating that the account is verified and they have both reported accurate information to all three bureaus?!! HOWEVER, they never sent me evidence of my signature which by FCRA they have too, and the never sent me the person 's verifying this " alleged '' account! They did not even say they marked my reports as disputed! I want these " alleged '' accounts/charge-off 's deleted from both of their files, and all three credit bureaus immediately. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX
IVE ATTACHED MY CREDIT REPORTS WERE THE FRAUD IS SHOWING, I HAVE FRAUDULENT NAMES, ADDRESSES, AND ACCOUNTS. ( FRAUDULENT ACCOUNTS, XXXX XXXX, XXXX, XXXX, XXXX, ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ). I ATTACHED MY DRIVER LICENSE TO SHOW YOU HOW MY NAME IS SPELLED AND MY ONLY ADDRESS PLEASE UPDATE
So I gave up after challenging this collection debt attempt through the credit agencies last year. The debt started as a court ordered debt and quickly went into collections after being late on the first payment. It got sold to credit bureau associates right away and now there is an extra debt on my record not related to the first debt. So I show two collection debts from this company regarding the first debt. I know this because they came on the credit report the same day. It continues to grow every month so the debt appears new every month though it is now three years old. I would need the extra debt removed. The XXXX is the extra debt. The XXXX is the wrong amount too of what I really owe. I have not received anything in writing but that it was correct from the credit bureaus. No backup documentation was sent to me. I believe this is false and for the damage it has caused me from preventing me to get credit, I would want the whole debt forgiven. This has taken so much time away from life I ca n't get back. Can I collect for that from CB Associates?
I deposited a {$6500.00} business check from an XXXX Account ( Former XXXX ) for consulting work in person on a Saturday morning at TD Bank XXXX, NJ. Should be available Tuesday 1 bus day after deposit. Well TD Bank tried to hold my check for 10-days! The plan here is to catch me with Overdraft Fees at {$35.00} per check and going foward afterwards. The check was paid by XXXX Bank on Tuesday XXXX as it should have been, but TD Bank said the check was A. Bad check from former XXXX and XXXX XXXX. B. Flagged by the XXXX as " suspicious ''. I called my friend on the XXXX, who said we do n't do that. C. TD Bank would clear the " Bad Check '' but it would take10-days. Why would a Bad Check ever clear? This check was cleared, then held, then cleared all within 2-days. Finally permanent hold. Until I went to XXXX branch with a letter from XXXX dept saying check was paid on Tuesday morning as it normally would be. TD Bank had my money for a week and charged me Overdraft Fees while they held my {$6500.00} in their account! My clients are the XXXX in XXXX, the State of XXXX and XXXX individuals. Never had one check bounce in 34-years, with over 20-years at TD Bank. Interest rates are at historic lows, there is no rate spread to make money, so TD Bank is forcing customers to overdraw checking accounts to collect {$35.00} per check Fees! Fees are where the real money is in Banking today, not interest rate spreads. 

TD Bank has a systemic Bank wide plan to withhold large small business deposits, knowing owners are counting on the next business day check availability they advertise and writing checks to pay their bills. TD Bank withholds those funds, even though TD Bank was Paid by the other Bank, for a week to 10-days and watches the {$35.00} per check Overdraft Fees pile up! Hey, a New Profit Center. What a scam! 

Now they have Plan B too! Check your checking account online before bed, no pending checks, positive balance. Wakeup in XXXX check account, pending withdraw I forgot about , drive to XXXX XXXX at XXXX and deposit {$180.00} Cash. Positive balance on receipt. Still get charged {$35.00} Overdraft Fee, which then causes a {$20.00} check, which was covered prior to Overdraft Fee, causes another {$35.00} Overdraft Fee!!! This is the cascading power failure scenario, but for Banking and increased profits! There is literally No Way to Avoid a {$35.00} Overdraft Fee at TD Bank, no matter if you checked your account around the clock. Because the server is down at XXXX XXXX when they process the overnight transactions. So by the time you see it, it 's already too late, do n't add cash to you account, you are already too late! TD Bank added the Guranteed Overdraft Fee Amendment to our Banking fine print in XXXX 2016. I wonder how much Overdraft Fee Income went up since then, a XXXX or XXXX?? 

My old friendly TD Bank and America 's Most Convenient Bank is far from that now, now that the XXXX took it over from local ownership! 

This needs an extensive Congressional Investigation of TD Bank, and others. I will be consulting with Counsel about a Class Action lawsuit. Good luck with fixing this one! But that is the CFP Boards job!
I have sent Transunion proof from XXXX Bank ( XXXX XXXX ) that the creditor agreed to remove the late payments on my closed account. Transunion has received this information several times yet do not update my account. I have been in contact with XXXX XXXX XXXX at XXXX Bank ( XXXX ext XXXX ) who has assured me that the late payments were removed on his end yet Transunion refuses to update my account.
On XX/XX/XXXX, I purchase two ( XXXX each ) round trip tickets to XXXX XXXX for XX/XX/XXXX vacation. A week later I noticed for transaction taken out of my credit card account. I contacted the airlines right away and they stated that only purchase two round trip tickets and referred me to check with my financial institution. 

I contacted First Tech Federal Credit union since the credit card I used was from this institution. I explained that I was over charged {$420.00} four times when it should only be two charges. I was asked to do file a dispute of the charges which I did. On XX/XX/XXXX I received a confirmation of my dispute # XXXX. On XX/XX/XXXX my account was credited the over charges {$420.00} x 2 while they continue to investigate mean while they asked for documentation which I provided the flight numbers and airline information that I had purchased. I also called the airlines to confirmed once again that they did not have me in two different flights. The airline confirmed that my name only appeared for the only flight. 

I received from notification from First Tech on XX/XX/XXXX that their investigation is concluded and they would be withdrawing the money that was refunded to me on XXXX. 

I am asking for a full reviewed of the ethics of this financial institution whom I have been a member of for over 20 years. During the time I have been a member I had their credit card and never had this type of situation. One of the reasons I used this particular credit card was because I trusted the bank and knew that my purchases are ensured and would not have a problem. 

I appreciate the oversight to this charges. 

Thank you,
I get a credit card secure from bank of america 8 years a go since that time bank of america denie go give me back the {$500.00}. Of the secure deposit. 
I contacted bank of america and for 6 months they still give me the same answer " bank of america give me a credit card of {$700.00} credit line '' that totally false. I never recive that amount of credit line. 
After one year past i finish the payments of the credit card secure and applied for the credit card and that credit was denied. 
I only need my money back.
Equifax has release my credit report XXXX times fraudulently and they refuse to remove these fraudulent inquiries. I told them someone posted my personal information online and even put a fraud alert on my report and they continue releasing my credit report. 

The following inquiries are fraudulent and should be removed by law. 

XXXX
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
I have a ( hard inquiry ) on my XXXX  report from TD Bank reported on XX/XX/XXXX. I called XXXX, they said, I needed to call TD Bank so the can re-report the mistake or else it is going to remain on my report for 2 years. I called TD Bank, then TD Bank says, they have no record and no information and I should call back XXXX to dispute and delete it. They both blame each other and telling me the other party should and is able to initiate the deletion. 
I do NOT have a TD Bank Credit Card account, never applied for any kind of Credit, never applied for any sort of loan or any third party that is affiliated with TD Bank. My final hope is to contact you ( CFPB ) to see if you can investigate and somehow ask XXXX to remove this hard inquiry from my report because it is affecting my score for another year or so. Thank you! 

Copy of XXXX report : TD BANK Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
I have spoken with NFCU before as well as made a CFPB complaint on them for reporting the same credit card multiple times to the credit reporting agencies. They agreed to remove the duplicate accounts showing incorrect balances yet when I pulled my XXXX report on XXXX/XXXX/15 they have not done so per XXXX. They are inaccurately reporting a balance of {$7100.00} AND reporting the accurate balance I have been paying on. They need to remove this duplicate from my XXXX report immediately because it is detrimental to my credit score.
I reached out to Navient a year ago for assistance with lowering my student loan monthly payments and I was directed to complete the details through StudentLoans.gov for consideration. I was approved for a lower payment of approximately {$70.00} per month of which I paid {$100.00} each month on time. My time for renewal (  XXXX  ) came and again followed the same steps outlined by Navient to go through StudentLoans.gov. I submitted all of the details requested and one question that was asked was " was there an increase in income '' of which I answered " No '' because my income situation has not increased. I was approved for for income driven repayment, but my monthly amount has increased from {$70.00} to over {$220.00} of which I can not pay and is putting me in default. I need help to bring the monthly amount due down to something I can pay. I do not know what to do.
Purchased a coat on XX/XX/2016 at XXXX 's in the amount of {$140.00}. Paid with my debit card. Sales associate asked me to sign up for a XXXX 's debit card to get a {$25.00} discount. I signed up. He linked the debit card to my bank account. A few days later I was debited again for the coat. I refused payment since I paid at the store in XXXX on XXXX XXXX and XXXX. 

I submitted statements to XXXX indicating debt was paid. Associate at store agreed it was paid. Still it went to Collections. I sent copy of statement to Collections Agency. XXXX 's has now sent it to three different collections agency. I am not paying for the coat again. 

The collection agency that contacted me today CALLED ME FIVE CONSECUTIVE TIMES WHILE I WAS AT WORK. I was at work and could not answer. They are not allowed to call me five consecutive times if I do not answer that is harassment. I will be filing a second complaint against AMsher. My complaint is related to their communication tactics.
I called my auto finance company and they refused to give me any of my own information. I asked for a proof of loan from them so I can get my bill taken care of and they refused. They are basically holding my information for ransom until I pay my bill.
Contacted trans union concerned about a inquiry on  XXXX / XXXX /  XXXX  , I was told to contact creditor. I contacted creditor who after a  1hr  call stated to dispute it because they have no information that pertains to me or the inquiry. I contacted the cb and they told me to file a complaint because they ca n't remove an inquiry unless the creditor sends documents to remove. Which they can not because the creditor has no info for the inquiry
To whom it may concern, my complaint issue deals with a H.A.M.P modification that I attained in XXXX on my mortgage loan. I very much appreciate the assistance I received even though there were few corrections that I had to bring to my servicing company 's attention. One issue I have been dealing with for 2 years and can not get any answer is my borrower 's incentive clause which is included and signed for by both parties in XX/XX/XXXX. The original documents include these terms. 1. I will accrue a monthly benefit equal to {$83.00}. 2. They will apply my accrued monthly benefit to my principle balance after the first through the fifth anniversaries of the month in which my trial period is executed XX/XX/XXXX. The yearly amount that should be applied beginning on XX/XX/XXXX and again on XX/XX/XXXX is {$1000.00} for a total of XXXX after 5 years, not any amount has been applied or was I ever given a reason why. I have been transferred to 3 different companies ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX and currently XXXX XXXX XXXX ) I have been told numerous times it would be corrected by all parties involved and never done. I also have a incentive after the 6th year which would apply an additional {$5000.00} to my principle
sent several letters asking for verification of a discharged chapter XXXX, keep getting the same response no action taken verified, no documentation, nothing with my signature, verified with who because I contacted the US bankruptcy court and they do not verify.
Initiated dispute with Trans Union XX/XX/XXXX and have continuously disputed with the most recent dispute of the same tradeline occurring XX/XX/XXXX - nearly a year. The account in question is reported as derogatory by TU for an auto lease that was paid in full ( early ), never late, never derogatory. I requested and received two documents from XXXX XXXX stating this truth and sent via certified mail to TU included with the dispute. TU continues to ignore the facts and state in results of their investigation that this account was verified as accurate. In addition to certified mail disputes, I have called TU several times, and filed the dispute online several times. 

The account in question was closed satisfactorily XX/XX/XXXX. Given that ( 1 ) this account was never derogatory with documented evidence provided from XXXX XXXX, and ( 2 ) even if derogatory is well beyond the 7 year maximum limit for reporting a derogatory condition for an account. TU has violated my consumer rights afforded me by the FCRA.