WillisBack/dataset-financial-user-claim huggingface dataset:
My husband had a credit card with XXXX XXXX XXXX. He stopped paying his bill and the credit card company then reported negatively on my credit report. I called them on XX/XX/XXXX and was informed by them that this debt is a marital debt. They told me they can report this on my credit negatively if they so please and they do and they are doing just that. This was not my credit card. I never signed/applied for this credit card and they should not have had my social security number. 
According to my soon to be ex-husband, I was only an authorized user. He had to have given them my SSN. He has done a lot of things to create financial hardship for me since he filed for divorce and did not tell me until 4 months later ( 18 days before court ). 
My house is in foreclosure ( because he stopped paying the mortgage ) and he has stopped paying the time share also. 
I filed a dispute with Equifax approximately XX/XX/XXXX. 

FYI : XXXX is my husbands nickname.
Captial One Bank USA, placed a credit inquiry on my credit report. The inquiry was made on XX/XX/XXXX. I have informed Captial One Bank USA that I have not applied for any type of credit from Captial One Bank USA. I have written several letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX explaining that I have never applied for anything with their company, to date, I have not received any response to my letters. I also called several times, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. Each time I called, they took my personal information and stated that they have put in a request to have this inquiry removed from all 3 credit bureaus, as they did not have a record of an inquiry from me. They also stated that I should wait 7 day and the inquiry will be removed for all 3 credit bureaus. They also stated that I will also receive a letter that this inquiry will be removed from my credit report. I have yet to see this inquiry removed or received a letter stating that is will be removed as they agreed that it would.
I had contacted this site before and when you escalated the complaint they fixed the problem. And 2 years later I went to open an account at the same branch that it was fixed at I was told the gentleman that fixed it never permanatly fixed it. I have had the same bank account and have had no problems until now. 
So back in 2014 I had fraud on my checking account the person was convicted and I have all the police reports and court documents, however Bank of America contacted me after XXXX XXXX took all the notes and negative stuff off of my name and sent them a letter stating this was fraud on her account and please see attached reports. It was only then and only after that was I told to file a complaint. Well it was fixed but apparantly it was fixed half XXXX because even though I have had the same account open for going on 3 years with no problems I went to open another account and the branch manager remembered the situation adn said the guy that fixed it before only did it temporary and all the stuff came back again. Are you serious? So for almost 3 years I though Bank of America had my account coded properly and all thetime they didnt. I want to file a complaint as I have all my documents from 2014 and even the letter from XXXX XXXX stating it was fraud
On XXXX separate occasions Nationstar Mortgage failed to send me statements and XXXX notify me by email or phone that payments were not received. 
On XXXX Nationstar failed to send a statement on account XXXX. 
I mailed in the payment to them and wrote the account number in the memosection of the check. They either did not process the payment or did notreceive it. In any case they made no attempt to reach out in any anyway, either by email or phone call. they did the exact same thing onaccount number XXXX on XXXX. No statement, no call, no emails. 
After 57 years Nationstar is the only negative report I have EVER hadposted to my credit report. I find their practices unethical and believethey should make and attempt to notify the customer so the customer haschance to correct it before it is reported!!
on my credit report for TransUnion, I do n't recognize one of the credit card with balance of {$600.00} I have XXXX other cards on the same financial institution but I do n't see this XXXX anywhere. plus i do n't see them in my other credit reports ( XXXX and XXXX ) please remove this XXXX from my report. 

Thank you
We applied for construction-to-permanent loan from BB & T bank in the beginning of XX/XX/XXXX. We were approved for the construction-to-permanent loan in the amount of {$680.00}. 
Based on agreement between BB & T and us, construction loan money will be transferred in increments, pending on completion of each step of the project to our checking account within BB & T bank. Money transfer should be upon our authorization, and from our BB & T checking account money were paid to the builder. 
Construction began in XX/XX/XXXX, and 98 % of house project was completed by XX/XX/XXXX,  where {$630000.00} out of available {$680.00} were distributed properly based on our agreement. The person who was handling transfers from construction loan to checking account was XXXX XXXX, ( construction loan administrator ), contact number : ( XXXX ) XXXX - XXXX ; e-mail : XXXX XXXX XXXX, XXXX XXXX XXXX stopped transferring money from construction loan to our checking account, despite our multiple request. Nevertheless, she transferred money in nine increments in total amount of {$53000.00} in the period of two and half month, begging XX/XX/XXXX till XX/XX/XXXX to unauthorized account, without single conformation with us. Upon receiving in XX/XX/XXXX monthly construction billing statements, we have noticed few unauthorized draws in amount of {$30000.00}. Immediately we reached out to XXXX XXXX via e-mail and phone call, requesting explanation on suspicious, unauthorized draws, and asking to stop activities on our account. Despite multiple attempts to reach out to XXXX XXXX, XXXX XXXX ( loan officer originator ), and XXXX XXXX, ( construction loan administrator manager ) to resolve our situation, no one reached out to us. On the contrary, money from construction loan were continue to be transferred to unauthorized accounts without any of our knowledge, and by this time {$53000.00} are missing from our construction loan. We try to call, e-mail, and even went personally to the BB & T bank to resolve the situation, but no one could give us any explanation or answer. Because of inability to pay our current construction payments, construction is on hold, interested on unaccounted money has been accrue. We asking regulators on our behalf to reach out to BB & T and ask them to initiate investigation, also we would like BB & T to reach out to us in writing, informing us that investigation has been launched. In addition, BB & T needs to return improperly disbursed {$530000.00} to our BB & T checking account, so we can pay to our builder to complete the house.
XXXX XXXX of XXXX, Nelnet would n't let me reduce my payments until I received help from XXXX, despite showing them my monthly income and showing them how much my rent and utilities cost. I was making about $ XXXX/month, living in subsidized housing, and Nelnet wanted me to pay roughly {$800.00} a month and their representative failed to see why I could n't afford the payments. A few months later I received an inheritance from an aunt who stipulated that the money be used solely for education expenses, so I started paying off the loan with that. On XXXX XXXX, I made what I thought would be the final payment on my loan, a payment of {$2400.00}, when the total balnce that was listed as due was {$2300.00}. The next day I received an email saying I still owed {$320.00} from the previous balance. This morning, XXXX XXXX, I received an email saying I still owed from the previous month and {$410.00} for the current monthly billing cycle, totaling {$730.00}. Upon logging into my account on the Nelnet website, I found out Nelnet claimed I still owed {$0.00}, which I have once again, scheduled to have paid in full by the end of the week, even though I paid an excess of what they said was the full balance as of XXXX XXXX, XXXX. I am getting tired of their harassing emails.
TransUnion has inadequate & incorrect criteria for credit reporting. For instance, I have had over {$56000.00} in auto loans over the last 10 years, paid XXXX % on time,XXXX yet this is n't figured into their scoring procedures, plus XXXX % on time mortgage payments on hundreds of thousands in real estate loans. In addition, they improperly weight 2 late payments as extremely credit lowering, where on the XXXX accounts in question alone, this represented XXXX % of payments over 24-48 months and they give no credit for XXXX auto payments made on time. I 'm sure they do this to everyone though it is a totally invalid and misleading approach to representing an individual 's payment & credit status.
I would like to file a complaint against beneficial finance they have been trying to collect back mortgage payments that were covered in our bankruptcy I am sending documents in hopes that the cfpb can help us they have added interest and penalty 's for six years they call it deferred interest I hope I covered it well enough in my letter and court documents thank you
I Bank with Suntrust Bank. I get a daily email telling me me balance. On XXXX/XXXX/2015 I got an email saying my account was overdrawn. I had a balance of over {$1500.00} on the previous day. In looking at my charges I saw that a company called XXXX XXXX XXXX had charged XXXX {$500.00} charges to my debit card. I had my card with me so do n't know how they got my number. I have never heard of nor done business with this company. I called Suntrust immediately and reported this fraud. They said it would be investigated. Mean while my account is overdrawn and I have bills set on automatic draft. Several of these bills have come due and Suntrust is charging me overdraft charges of {$36.00} on each one. I am in a retirement home and the money in this account is all I have. Now I ca n't even buy food or gas. I explained to the Suntrust rep. that I am on fixed income and heeded my money returned to my account. I did nothing wrong but am the victim but yet I am being punished because of a theft to me. I feel that Suntrust should put my {$1500.00} back into my account and then investigate all they want. I did nothing wrong to deserve to suffer like this.
My direct.depoait is missing as it should have deposited on friday, XXXX XXXX 2015. As of this morning still nothing. My employer ca n't reissue a check until they get a rejection notice from rushcard so until I 'm BROKE ... no one to borrow money from ... car payment needs to be paid ... .rent needs to be paid ... .other bills need to be paid ... ..unable to ... .what 's crazy is that people I work with received their money but me I 'm still waiting ... .please do something about this
Rush card took what money I had left. No deposit is showing. I know it goes in today. No answers from the company. I need my money now.
I 'm receiving daily calls ( usually XXXX or XXXX calls per day ) from XXXX ( Capital One collections department ). I am not a Capital One customer and owe them no money. I 've called them XXXX times requesting that they cease calling me, but they have not.
My account with BMWF is currently past due, payment is due for XXXX, XXXX and XXXX. The vehicle, a 2017 BMW M240i, is currently in storage at the dealership as it can not be registered until property tax is paid, which is around XXXX currently. This tax bill is due for a prior vehicle which was totaled on XX/XX/XXXX, a 2015 BMW M235i. BMWF is aware this vehicle is totaled and I have requested a settlement amount for payment due on that account but have not heard back. The last rep I spoke with named XXXX was advised of the situation in regard to XXXX vehicle and told me repossession would take place if account goes 60 days past due. Please note, prior reps were also advised of situation regarding vehicle in storage/registration/property tax due but may not have noted it. I am currently awaiting a settlement from attorney in regard to XXXX vehicle loss and injuries sustained from accident. I expect check this week, XX/XX/XXXX to the XXXX, but will need some leeway for the time being. Please request BMWF to allow me more time before any repossession occurs. I believe this is fair, considering I have not been in possession of vehicle, it is and has been at dealership since XX/XX/XXXX. I expect to have tax bill paid and towed this week as well, once settlement check is received and cashed..
I have sent several disputes letters asking this credit bureau to provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.

I have only received letters stating that the account have been " Verified '' I have also asked for a description of the verification methods and the names and phone numbers of the persons who supposedly verified the account. I have never received such information.

These are the accounts that I'm disputing and for which the credit bureau have not provided a satisfactory resolution per the FCRA. 

*XXXX  XXXX XXXX XXXX XXXX Acc # XXXX *XXXX XXXX XXXX XXXX Acc # XXXX *XXXX XXXX XXXX , XXXX Acc # XXXX *XXXX XXXX XXXX Acc # XXXX
American Express allowed unauthorized charges to my account. Complained, paid and reimbursed for almost a year. Was then cancelled and denied credit with them. I want to be reinstated..
I have a home mortgage loan with PenFed Credit Union for my residence in Washington State. Upon signing for my loan, I choose to received my monthly statement/bill by US mail ( declining electronic only option ). Back in XXXX of this year, PenFed stopped sending me my monthly statement/bill. I initially noticed that I did not receive a statement and called PenFed in order to get the balance, inform I still want the monthly statement by US mail, and to pay by phone for that month ( XXXX ) since I did not receive the bill. I had given my bank account information for that payment, but it turns out they had a record of the call but lost the transaction. I received a notice later in XXXX that my account was past due. I called several times to identify and straighten out the problem. Eventually the payment issue was corrected but they indicated they now change $ XXXX from my savings going forward in order to continue to receive my monthly bill/statement by US mail. Given that I singed-up for the mortgage with paper option I do n't think they should be charging me a fee every month in order for me to receive my bill. Can your agency please help me work with PenFed to go back to sending me the monthly statement/bill by US mail without deducting $ XXXX fee?
I noticed a debt collection on my Transunion credit report that was inaccurate. I disputed it and the following day I received a call from debt collector. When I questioned the debt, he became rude and disrespectful. He also used offensive language and threatened me. After speaking with debt collector I called original creditor to validate debt and they had no record of debt. I faxed the debt collector a validation letter and received a call from debt collector saying my 30 days were up. I never received any letter or call before I disputed debt. The dispute came back as VERIFIED, NO CHANGE. I called Transunion to question the results and I was told to dispute it again. Once again I received threatening calls from debt collector. After a couple of weeks I received result of dispute and once again it stated VERIFIED, NO CHANGE. Next I wrote Transunion stating " Under the provisions of the 1977 Federal Fair Credit Reporting Act, I hereby request that your agency prove to me in writing the accuracy of the reporting of this account. Under the terms of the Act and succeeding court cases, you have thirty days to prove to me the accuracy or you must remove the account from my Credit Report '' via certified mail. Soon after I received another threatening call from debt collector and same results from Transunion " VERFIED, NO CHANGE. This is FRAUD and needs to be removed from my credit report. My credit score has lowered and I have been trying really hard to have excellent credit.
Starting in  XXXX    XXXX   I applied for a loan to build a house with regions mortgage in  XXXX  Al  XXXX  and the person I started with was doing a good job with the process of get every thing done in a timely matter. Then she left the company and I got passed on to someone else that was doing a great job with process also and then he left the company and I was passed to a  XXXX   XXXX  who has did nothing since I have spoke with her but lied as if she is working on my loan. So I asked to speak with her manager  XXXX   XXXX  and she did call me back after I called her abo ut three times and left a voice message on my phone. I called her  back and left a message for her to call me back. In the message she said she would me Monday the  XXXX  so I called her again. NO CALL BACK. My credit is good and I have my own money for my down payment. It 's now  XXXX  and still I 'm at phase  XXXX  so all I can say is maybe they do n't want to help me. So please tell me what do u call this issue that I 'm dealing with.
there are XXXX accounts on my credit report XXXX- XX/XX/XXXX mortgage loan .. closed short sale- bank agreed not to report. 
XXXX reported XXXX XXXX XXXX balance XXXX .. from 13 years ago.. creditor closed my account was never late. 
XXXXcard- bal o reported 11 years ago XXXX XXXX XX/XX/XXXX card was stolen .. closed still on report. never late. 
XXXX and Equifax reporting these accounts. they need to be removed..
Re : XXXX v XXXX XXXX Case # XXXX Presiding : Judge XXXX This dispute comes from failure to to pay out proceeds from a class action and Iam requesting your assistance in recovering proceeds that was never received from the administrators of this class action which was ordered by Judge XXXX in XXXX. 
After hurricanes Wilma and Katrina the roof of our Florida home was damaged. We attempted to claim via our insurance to replace our roof and complete interior repairs from water damage. 
Unfortunately, we lost our insurance held with XXXX and were issued a forced insurance plan by XXXX XXXX  which made the repayment of our mortgage impossible to maintain. 
On XX/XX/XXXX we were issued with a Writ of Possession and lost our home to foreclosure in XX/XX/XXXX. 
I became a party to the XXXX v XXXX class action claim and in XXXX the defendant was ordered to pay us an award of {$7600.00}. 
I never received the award and it has been impossible to communicate with the any one with the the contact numbers given. We were constantly advised it would be sent to us by mail. My partner suffered a XXXX in XX/XX/XXXX and circumstances took us away from this issue. In XXXX I attempted on numerous occasions to contact the numbers we had been given for the administrators of the fund but only received a voice message in return. 
On XX/XX/XXXX I received in our mail box an envelope containing a check ; it was the check I had been promised back in XXXX. We were over the moon as situations were not so good financially since my partners XXXX. I persented the check to my bank who pointed out that the check was void. But how can this be we asked, the check although was written for XX/XX/XXXX did not arrive to us until XX/XX/XXXX my bank although sympathetic could not move forward with the deposit. 
In XX/XX/XXXX I contacted the USA claims administrator number which were listed as c/o XXXX XXXX XXXX XXXX and received a voice mail. I contacted the courts by sending a letter to Judge XXXX to get advice as to who to contact regarding the check because thus far no one could help. I contacted one of the law firms working on behalf of the defendant and they gave me the name of the law firm who where handling the administration for the Plaintiffs. Unfortunately they could not help but explained to us that the proceeds of our claim were in the hands of Bank of America who are the defendants bank and is lodged as unclaimed. I tried on numerous occasions to track down the person or department handling such matters but got no recourse. 
I am so upset that Bank of America can not re issue my check. It has been of no fault of my own that the check was received late and it is now void but how can this bank hold our money and refuse to reissue us a check. Bank of America did not earn this money. We lost our home and every cent that we invested into it and we believe that the heart and ill health and pain suffered we deserves every cent that we are owed. We have down sized our home as we enter retirement and pray you may be able to help. 
I am asking if there is any assistance you could give to force Bank of America to honor the pay out of our claim due to the unfortunate chain of event.
I was not aware or notified of the alleged debt until my credit was pulled for the new apartment i applied for.The highest balance according to the report on my credit is {$5200.00} and the balance is $ XXXX immediately contacted the collection company IQ DATA INTERNATIONAL on XX/XX/XXXX and spoke to XXXX asking him to provide me a written statement for the debt. I asked him to send it to my email which he refused to do. I gave him my address instead to mail the statement to which he reluctantly took. I asked him when should I be expecting the statement and his replied was I do not work in the post office. According to the law, they should provide me with the statement within five business days. I called back on Monday I spoke to a lady which refused to give me her name, she said I would get by Friday, but when Friday comes I did not receive any mail from them. The effect of this debt have lower my credit score and lost two  apartments I applied for including the application fees. The original creditor is XXXXXXXX XXXX XXXX, which I rented a one bedroom apartment for $ XXXX  monthly rent between XX/XX/XXXX and XX/XX/XXXX. I asked them if they can provide me a statement of my rent payment history while I was living in their apartment. The accountant in charger XXXX told me that he could not find anything on my name but they also refused to provide my account statement while living in their apartments. Prior to me moving in in XX/XX/XXXX, I paid a three way rent of {$2400.00}, the first and last month rent and down payment. I moved out at the end of my lease and never received back my any portion of my down payment. I do not know what the alleged debt was for. i was never evicted or notified or provide any documents that show why i am own them the huge amount. Since i did not receive any written statement from IQ DATA, I will be sending them a written letter of dispute.
I have disputed several times with Equifax Credit Union regarding University XXXX Louisiana of XXXX showing a balance of XXXX as this account has been discharged as of XXXX/XXXX/16. I have submitted this same issue to the CFPB a week ago and received a response that the this creditor was updated to show that they were included in the bankruptcy. Since the last CFPB Complaint was completed, my credit report has changed several times, ive spoken to countless reps and supervisors at equifax who have assured me that this account is showing closed and no balance. This is not true i am still showing to have this account as installment account listed on my credit, as well as showing a balance and collection activity. I have been hung up on by equifax reps as well as lied to from their supervisors, i have attached the conversation between myself and the sup on XXXX/XXXX/16 as well as the 1st corrected credit report that was showing correct, as well as reports for XXXX/XXXX/16, and now XXXX/XXXX/16.