WillisBack/dataset-financial-user-claim huggingface dataset:
I am having significant trouble getting items on my Equifax credit report removed and neither Equifax or XXXX XXXX XXXX are providing me with verification of debt. In the past I have sent request for verification to XXXX XXXX XXXX but did not receive any responsive documents. Furthermore, these items have been disputed with Equifax and Equifax always waits four weeks then marks the information as " verified ''. However, I do not understand how Equifax is verifying the disputed records if the data provider, XXXX XXXX XXXX, can not even provide me with proof of debt or respond to my debt verification inquiries. It may be worth noting that other consumer reporting agencies and financial institutions have already acknowledged the records submitted by XXXX XXXX XXXX to be false. Indeed, XXXX XXXX XXXX have already been removed from other reports because the information could not be verified.
On XX/XX/XXXX I learned that 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 the local newspaper. 

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

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
XXXX XXXX with the amount of {$2100.00}. I started paying on this debt XX/XX/XXXX. Current balance is {$1200.00}. I have disputed the balance on my credit report. They launched an investigation in which the debt collector stated it was correct balance and still owed {$2100.00}. I then reached out to debt collector in XX/XX/XXXX and XX/XX/XXXX asking to send me a copy of the balance and to update the credit report. I called numerous occasions in XX/XX/XXXX and have not heard from them. I then reached out to all three credit bureau also sending in my proof which shows current balance. Attached is the balance I have after payment was made XX/XX/XXXX.
XXXX charged my credit card {$2600.00} on XX/XX/18 for something I DID NOT purchase. When I contacted American Express to dispute the matter they said they would contact XXXX to dispute the charge. American Express is now saying they contacted the merchant who CAN NOT provide ANY proof that it's a legitimate charge and they are going to go ahead and re-post the charge on my account despite it NOT being legitimate.
portfolio recovery is now also misreporting on my credit file as the original lender of the account which is 100 % untrue as XXXX is the original lender. the credit report also states that they took ownership of the account starting in XXXX 2015 when the account was assigned to them in XXXX of 2015. they have claimed to be the original collector to many individuals and I am XXXX of those victims. I have proof of this misreporting from my report which I will attach. They report to the bureaus XXXX per month to confuse the FICO system ( which is used in 90 % of all financial decisions and the only score and report that actually matters as we know XXXX about who the lender is and to get it to stay on the report for seven years instead of the original date of delinquency. i have confirmed the error on my report as well as directly with the representative that they do claim original lender with a date of original default in XXXX 2015. the error is still there right now and must be by law, deleted, not adjusted as this is misreporting information and I was turned down for a loan based on having a recent date of original delinquency. This is fairly simple. They are not a lender and I never borrowed money from them. They purchased my account from XXXX XXXX.
This is the 2nd complaint that I have submitted on this issue. The 3rd step is going to be me taking CBE group and XXXX to court for harassment regarding a bill that I do not owe. I created case # XXXX, I received a response that CBE would cease collections and has sent in a withdrawal to the XXXX credit bureaus to remove the debt from the report. Now I have received yet another letter from CBE requesting the same funds again in which I will NEVER pay. I have provided all of the documents including a letter from the leasing agency proving that I relocated and left the premises XX/XX/XXXX. XXXX XXXX XXXX and the CBE group are attempting to collect {$350.00} from me stating that the disconnect date was XX/XX/XXXX. I called CBE group, they advised for me to get proof that I had moved, I got proof from the leasing property management that shows the date I moved ( XX/XX/XXXX ) and sent it in. I was then advised by CBE that XXXX has advised them that they do not accept proof of customers relocating and to keep it as a valid debt. My next action was to come to consumer financial protection bureau for assistance, I created the case mentioned above and got the response of the CBE group has ceased collections. I now have another letter dated XX/XX/XXXX with them attempting to still collect funds that I am not responsible for. I have asked for XXXX to pull the records of my disconnect call and was refused, even with proof that I relocated they are still continuing to harass me. I do not owe this debt and it will not ever be paid by me. You can not collect funds or attempt to scam someone whom has proof of moving.
found an error of being late on my account in the report put out by Experian. Contacted XXXX on this account and verified with them that I have not been late with a payment.
XXXX contacted me stating they were going to sue me and place a lien on my credit card for a fraudulent credit card debt that was opened when I was XXXX. Informed that I 've already disputed it and had it removed from my credit report almost 10 years ago. Informed not to contact me anymore and asked the representatives name. She would n't give me her name and I told her to have her collection agency remove me from her list. She informed me she was n't a collection agency. Used harassing and offensive language and said she was going to call my work. Informed I could n't get calls at work and she called anyways.
Somebody used my Capital One credit card and charged over {$3000.00} international, Capital One they, blocked the card, I called and let them know that was not my charges. Capital One ask for my id 's DL, copy of a bill and SSN. I gave them all these to investigate and in the meantime as they were investigating they re-open my card to a caller how called Capital One as me, giving them all my personal info. Name, Address, SSN. Instead Capital One to investigate this person released the card back to this person who was not me. This is not acceptable.
They called my boss and said they were going to serve a summons and arrest me in two hours if I did not call them back but never called me directly just my boss. Phone XXXX XXXX XXXX. Case XXXX.
Wells Fargo never disclosed that the minimum payment that they charge on the account is based on the HIGHEST outstanding balance and once set stays the same until ALL balances are paid off. These balances were taken out on zero % with varying due dates to avoid interest if paid in full. Because of the high minimum payment, I am being forced to pay off the card BEFORE the zero is actually due. This is deceptive trade practices and is forcing both a higher minimum payment being reported to the credit agencies as well as depriving me of the 0 % benefit without any notice that this is their practice. This is an abusive practice that is damaging consumers who take out store credit with Wells Fargo and should be investigated, changed AND PUNISHED! 

They also apply the monthly payments in an incomprehensible way to where you have items that are due later getting more paid off than items that are due sooner. This bad application could also cause someone to miss the due date on items that are due sooner and so incur the interest that the consumer had fully planned to avoid based on their payments.
XXXX reporting multiple inaccuracies on my credit report such as unauthorized inquiries and inaccurate late payments ive submitted multiple complaints asking for it to be investigated and corrected without sucess
XXXX XXXX XXXX XXXX put a collections account on my credit report. The trade line should have been removed a long time ago, as the auto loan I received from XXXX XXXX was part of a XX/XX/2012 case against XXXX XXXX that found systemic auto loan discrimination. The case XXXX found that XXXX XXXX had intentionally charged minorities higher interest rates than non minorities. The loan that XXXX gave me had an exorbitant 20 % interest rate. XXXX XXXX charged me that high of an interest rate because of my national origin. The tradeline should have been removed a long time ago from my credit report as the XX/XX/2012 case found XXXX XXXX guilty of systemic discrimination against minority communities where they were charging higher interest rates to minorities to take out auto loans.
I was delinquent in mortgage payments with Ditech which are now caught up. This is my Homestead. Meanwhile, a different company was sent to my home and because I was away from home, they broke into my home by breaking a door then they drilled out a second door lock, they wintereized and padlocked my home. They ruined the gate to my property. They STOLE ITEMS out of my house. I am BEING LIED TO about my account by Ditech representatives when I call and complain or try to get to the bottom of things. I was talked over and not given any respect nor the opportunity to ask the questions I needed to ask. Customer Service is no help at all. I want to stop the process but do n't know how because no one will tell me. It appears 2 additional companies are now involved. Charges are mounting up for expenses that are inappropriate now that my house payments are current. I am XXXX and I am being harassed because I am XXXX and a XXXX. Circumstances put me behind but I have worked through them and I can now make my payments on time.
XXXX XXXX was sent police report still reporting on credit they took it off put it back on cra violation XXXX breach cost me my life
I am filing another complaint with Transunion. I ask this company to verify how and who verified a Bankruptcy on my credit report. I need this information and per the FCRA, Transunion by law is required to provide this information. I am not asking for any information from any creditor. I am asking how did Transunion verified such information.
On Friday, XX/XX/XXXX, I received a ( paper ) letter in the mail from " XXXX XXXX XXXX. '', indicating to me that they are a collections company working on behalf of " Creditor : XXXX, XXXX '' to collect an " Amount Owed : {$2200.00} ''. The letter indicated that they have or will cancel my XXXX account unless I contact them and pay off the full amount or make payment arrangements. 

Immediately, I checked my XXXX activity and balance and found no record of this supposed debt, and the account numbers listed on this paper do not match the account ID information I have for my XXXX account. 

At about XXXX on XX/XX/XXXX, I called and spoke to a XXXX customer service representative who informed me this was not a legitimate letter or notice from XXXX and that my XXXX account is proper and in good standing. He instructed me to take photos of the image and e-mail them, along with an explanation, to XXXX, who I understand to be the fraud review department. 

I am deeply concerned about the content of this letter and its ' legitimacy. I have a very active XXXX account that I use for my business and personal needs ; I can not afford for this matter to end up on my credit reports and reduce my overall credit score. I am eager to pursue whatever means are necessary to resolve this matter.
Within the last two months I requested that XXXX, XXXX card XXXX, transfer {$15000.00} to my U.S. Bank XXXX card XXXX. That requested transfer was promptly made, and that transfer created a credit balance on my said U.S. Bank card, which credit balance I asked U.S. Bank to refund to me. U.S. Bank promised to promptly refund the credit balance to me by check payable to me. Some two weeks later I receive a letter from U.S. Bank stating, in effect, that it had elected to renege on its promise to refund the credit balance by sending a check to me, but instead had sent that balance to XXXX, from which had come the payment that created the credit balance. Upon receiving that letter I immediately called U.S. Bank to have them reverse its payment to XXXX, and to send the credit balance to me as promised. The U.S. Bank representative told me that the law, specifically the Card Act of 2009, required that the refund be made to XXXX, not to me ; she said that a credit balance refund made by U.S. Bank to me a month or so earlier was a mistake ; she further said there was no one else at U.S. Bank to whom I could speak about the matter. I researched the Card Act and found nothing therein that prohibited the payment to me that I had requested. I complained to CFPB. U.S. Bank, in response to my CFPB complaint, said that it had the option to refund to me or to XXXX, and, apparently to save the expense of making a check, and the cost of a stamp, elected to breach its promise to me, and leave me in financial distress, by electronically refunding to XXXX. U.S. Bank, in its response, acknowledged that the credit balance was owed to me. So we have U.S. Bank fibbing to me about the law requiring it to send the refund to XXXX, breaching its promise that it would send the refund to me, leaving me short some {$15000.00} that I needed to satisfy my obligations to others, causing me to lose the benefit of the transfer from XXXX, and to receive no benefit for the time and expense I incurred to obtain that transfer, all, I take it, to save the expense of a stamp. Your previous case number, regarding this matter, is XXXX, filed on XX/XX/XXXX. What I would request of U.S. Bank is that they now make partial amends by granting to me, against my said U.S. Bank card, or other U.S. Bank cards I hold, the same deal that U.S. Bank caused me to lose with XXXX, i.e., {$15000.00} at zero per cent interest until XX/XX/XXXX, assuming that U.S. Bank is unable to retrieve its payment to XXXX and pay it to me, as it should have done, and as it promised to do, in the first place. Perhaps U.S. Bank was jealous of the deal I was offered by XXXX, and took it upon itself to be a vigilante, and to punish me for trying to get the benefit of a bargain. Or did it do what it did just to save the expense of a stamp? I would at least like it to answer the question just posed. XXXX XXXX XXXX
I have submitted these requests for corrections to my credit reports, Experian and XXXX, multiple times now and have yet to see any change. I have even spoken with the collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.
On XX/XX/XXXX I applied for a BBVA checking and savings account using a promotional offer to receive a {$200.00} and {$50.00} bonus respectively. I have completed the requirements of the offer. When I asked BBVA when I would be paid, they said that I wasn't eligible because I had a checking account open in the last 12 months. Fortunately I keep my own records and know this is incorrect. I closed my last BBVA checking account on XX/XX/XXXX. As anyone can see, it has been more than 12 months and thus I am eligible under the terms.
TEK Collect has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I received a line of credit from Synchrony bank in XXXX of 2017. I was not notified of payment dates and when I contacted the bank I learned that {$200.00} was added on to the principal up front. The origin amount of the loan was approximately {$5600.00} and the amount that I owed Synchrony less than a month after the loan was given was approximately {$5800.00}. I also learned there was a {$10.00} fee to make a payment with person VS. an automated system. The automated system only gave the option to speak your answers and got my my information incorrect 4 times. I paid the loan off in order to protect myself from any further fees that may be added to the loan.
I contacted Transunioin and XXXX about a account showing on my credit report which do n't belong to me called XXXX XXXX. I asked them both to provide documents proving the account belongs to me on several occasions and they did not.
CHASE closed our accounts with no warning, or explanation. The card was a XXXX XXXX XXXX XXXX. I found out my account was closed when at the cashier 's stand in a grocery store. A very embarrassing moment. There were no communications from the CHASE either as a text, phone call, and email. In fact when I called the customer service they didn't know why the card was declined. Finally a supervisor came online and said that because of " federal law and US treasury ... '' they couldn't tell me why they closed the account and I must wait until I get a letter in the mail that explains why. They made us, law abiding citizens, feel like criminals. The letter came after nearly one month with bogus explanation that they are closing the account because their affiliate i.e. XXXX XXXX has ended the " banking '' relation with us. An allegation that XXXX flatly denied. Please refer attachment. 

Additionally, as I had rented my car while on a business trip with the same card, I could not extend my rental period because the card was declined and I ended up paying a much higher rental rate because the one I had negotiated at time time of original contract was no longer applicable.
XXXX XXXX XX/XX/XXXX-inquiry without approval or knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX- inquiry without approval or knowledge XXXX-XX/XX/XXXX-inquiry without approval or knowledge XXXX XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX XXXX XXXX-inquiry XX/XX/XXXX inquiry without my approval or my knowledge XXXX XXXX -XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or knowledge XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or my knowledge XXXX-XX/XX/XXXX=inquiry without my approval or my knowledge XXXX ca-XX/XX/XXXX-inquiry without my approval or my knowedge XXXX XXXX XX/XX/XXXX-XX/XX/XXXX inquiry with out my approval or my knowledge XXXX  XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX inquiry without my approval or my knowledge
Transunion have erroneous information on my credit report and refuse to allow me access to my free credit report because the answers to the questions they ask are not correct. The questions they ask are not applicable to me and every time I get it corrected after a few weeks they return the erroneous info to my credit again. This is affecting my employment and my financial reputation
XXXX with HomeBridge Financial Services delayed the closing for 15 days. We had asked from the very beginning if it was feasible to close this in 30 days he assured us it was, knowing the clients low credit score and harder qualification process. The week of closing he was requesting verification on renters history which should have been dealt with way earlier. He was not getting any response from the Rental office for days. After we found out the hang up was he never send them a Release from the tenant to request this information and they asked for it multiple times. It took the selling and buying agent to help with this and get him the information needed. At this point we just needed a day more to get it closed said XXXX. We had to extend the contract for another 2 weeks with a total of XXXX Extensions. Very unprofessional and he was not up front just leading us on thinking he can make it happen and then did not come through. His manager XXXX XXXX got involved and assured us they were working really hard on this file. I believe that was true but not until the last 2 weeks of the process which was after we should have closed. My buyers were very frustrated with the process and it did cost them more money since we did not close XXXX XXXX and they had to pay another months rent. Closing was finalized on Friday, XXXX XXXX at the very end of the day with the money not clearing until Monday. I do n't want any other buyers having to go through what my buyers had to experience.
Two complaints regarding my mortgage servicer Amerihome Mortgage.

1 ) They have yet to release the overage of my escrow account balance despite the fact that I prepaid my 2nd installment of property taxes on XX/XX/XXXX. I have contacted them on XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX. I have requested this for nearly 30 days now.

2 ) They continue collecting {$7000.00} in property taxes despite being provided evidence that my annual property tax bill is {$6100.00}. My property has already been reassessed and supplemental tax bills have been paid.

Therefore, I believe both the balance they are holding, and the amount they are collecting to be in excess of what is allowable. I would like for this to be confirmed by the CFPB.
I have XXXX student loan accounts with the US Dept of Education that were paid in full and settled on XX/XX/XXXX. Experian changed their reports to show that these were collection accounts in XX/XX/XXXX and not in good standing when they have been paid and closed and in good standing since XX/XX/XXXX. I phoned them XXXX to correct the errors. Both times I was told I was being transferred to a supervisor and got sent to a mailbox with no name and no supervisor called back. I also uploaded my documents to their website verifying these loans were paid XX/XX/XXXX and again spoke to someone today who said they would be updated properly. I just received the results of the investigation saying the accounts were updated. They now show as black marks with XXXX ( no data for months XXXX XXXX XX/XX/XXXX and a red mark and a c for XXXX which is the code for a collection account. They are still reporting inaccurate information and seem to have no interest in correcting the error and appear to be deliberately playing games. I have wasted numerous hours on the telephone with Experian representatives and scanning and uploading documents trying to correct accounts that were closed almost XXXX years ago. This is extremely XXXX and unnecessary. Why are they reporting inaccurate information. They had the information accurate until a week ago. When I tried to speak logically with their reps asking how accounts that were showing closed and paid in full could suddenly be closed again and in collection XXXX years later they would only reply that was information given to them by the creditor I have had a massive headache for XXXX days and do n't know what else to do. This is such a waste of everyone 's time.