WillisBack/dataset-financial-user-claim huggingface dataset:
On the dates XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I sent disputes to Equifax to investigate the incorrect reporting of a XXXX XXXX XXXX account ( XXXX ) on my credit. I am a victim of identity theft. Someone opened an account with XXXX XXXX using my information in XXXX XXXX and left an unpaid debt of {$11000.00} on the account. This debt was eventually charged off and placed back on my report as a bad account. In XXXX, I contacted and filed an FTC Identity Theft Affidavit to open an investigation and get this matter resolved and removed from my credit report. I have recently re-filed a police report to get Equifax to understand the situation I 'm in and finally remove this bad account from my credit. I have contacted Equifax on multiple occasions with the attached police report but they are refusing to remove this account from my credit. This account was reporting on all three of my credit reports but once XXXX and XXXX initiated an investigation, this account was promptly deleted from my report when it could not be verified as accurate or complete on my credit. I am including an attachment with XXXX XXXX exact response showing the results of their investigation. I am also including a page of a recent report showing how this account is only on Equifax. Equifax is automatically disregarding my dispute as frivolous despite having information that states and supports otherwise. The issue is that the account is not even supposed to be reporting on my credit at all. I do n't understand how this can be possible? How can Equifax 's investigations yield a different response from XXXX and XXXX?
I submitted a payment on my credit card at Wells Fargo Financial National Bank. The bank applied the payment to a mortgage at Wells Fargo Home Mortgage that was paid off XXXX years ago. Wells Fargo sent the payment back to me, and Wells Fargo Finncal National Bank is now calling me constantly about the supposedly overdue payment.
On XX/XX/XXXX my husband and I filed a WI 128 amortization of debts. On XX/XX/XXXX an order was entered by the court that all debts included in this payment plan are satisfied in full. This company has two accounts opened. One in my name and one in my husbands name. Additionally, the account in my name is also serviced by XXXX XXXX Firm in XXXX, Wi and they show it as a outstanding judgement on my court record. I have spoken with Midland as the balances owed are very low so I was just going to pay the extra over what I was ordered to pay. Midland refuses to take money directly from me because of the trustee who was placed on the account for the 128 plan. Since the plan is satisfied the trustee is no longer in this equation. Both debts to this agency/attorney have been satisfied in full but they are not being reported in such a manner.
This letter is in response to your recent claim, which Bank of America claim I have a charged off account with them.By not replying in a timely manner to my initial letters, they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. I 've made attempts to contact them by mail be all I got was returned mail I only mailed them at the address listed on my credit file. XXXX XXXX XXXX XXXX XXXX TX XXXX
A new name was added to my Trans Union credit report It lists a middle initial I do not know who added it I do not have a middle name or initial
Hello, I order parts on XXXX XXXX and used XXXX to pay for the amount of {$330.00}, some of the parts I receive were damage, so I mailed back for a refund, the value of the damage part cost {$130.00}, I spoke to XXXX about it, and I provided them with a tracking number, XXXX. they said the tracking number is invalid that 's why they can not refund me the money. I had provided them prof with a receipt that I had mail the parts out, but they still denied to refund the money.
On  XXXX   XXXX , I made a    XXXX   XXXX    payment of {$68.00}. {$58.00} of that was to be applied to my  Capital One  Credit Card. To date, the money has still not been applied to my credit card and I want it applied.     I then rented a car from  XXXX  on Thursday,  XXXX   XXXX ,   XXXX  . I was informed that a deposit would be needed of {$66.00} because it was a premium vehicle. I agreed and my pending charges were {$390.00} which included the {$66.00} plus the amount of the rental of {$330.00}.  XXXX  was paid the {$330.00}, however, there remains a pending balance on my  Capital One card of { $66.00}. When I spoke to  XXXX , they informed me that they had removed the pending transactions and had been paid {$330.00} and was not keeping the refund ; however,  Capital One  states that  XXXX  needs to release the money.     I just want my {$58.00} added to my Cap ital One  card because it was a payment made through  XXXX   XXXX  to be applied to my card and I just want my refund returned to me of {$66.00} by  XXXX  or Capita l One but I  want my money.
XX/XX/XXXX I called a bank of america representative-stationed in the aurora, Illinois office, and requested a home equity loan. While on our phone conversation he determined I was approved for a XXXX home equity loan. I was advised to return his call to provide all my credit card information to be paid off and I did so. He then gave me an exact amount of money I would be receiving after some of my debt was paid off. He also told me to wait for an incoming packet to be sent so that my wife and I could sign them or bring them to his office. I received the packet on XXXX/XXXX/2016 and my wife and I signed the packet. However, I decided to call the main branch number that was located in the packet and spoke with a supervisor who told me we were in fact, not approved for the loan. The supervisor stated the agent-XXXX XXXX gave me the wrong calculations when he approved my loan verbally over the phone. I was devastated, because I was holding a packet that said I was approved. A supervisor I spoke with stated the agent in the XXXX, Il branch gave me the wrong information and therefore should have never approved my home equity loan. He told me the loan was secured. He knowingly gave me false information in order to sell his product. He literally stated to me that my loan was approved and that 's why I gave him all my information including social information to check my credit scores. He misled me during the entire loan process. I also purchased an {$800.00} dollar phone on XXXX/XXXX/16 knowing that several of my credit cards would be paid off and I would have additional monies from the bank of america. I have a contract that shows the cell phone was bought on the above date. I also did call the bank on XX/XX/2016-XX/XX/2016 and spoke with a supervisor ( female ) who was not receptive to my situation and stated she would talk to the agent who approved my home equity loan.
Upon checking XXXX XXXX I found an outstanding debt in the amount of {$480.00} dollars owed to a collections company for some type of service with XXXX XXXX XXXX XXXX. This debt occurred on XXXX XXXX, XXXX. Both XXXX and XXXX XXXX are showing this debt. I am trying to obtain information on the debt but I am having a difficult time.
The call was coming from an unknown number and had called XXXX times yesterday, in increments 4 hrs apart, and again at XXXX this morning. I finally answered assuming it was important. A female caller asked for me and I said this is she. She then asked to verify my address. I asked her to identify herself and she provided her name and some random employee number but DID NOT identify where she was calling from. I asked her again WHERE she was calling from and she refused to do so. She said I am calling about an important private matter and I need to verify your information first. I told her I was NOT giving her any information until she advised where she was calling from. She refused to do so and said " thank you we will try another time '' and hung up on me. I did research online and found the number belongs to IC Systems. I am not aware of any outstanding debts at this time.
I 've been getting harassing phone calls at home and and work from an attorney office for a loan i had with XXXX XXXX. I told them to stop calling me on numerous occasions over the phone and I even sent them an email telling them to contact me by mail only. They are putting my job in jeopardy every time they call.
Contract was cancelled due to the original creditor selling this debt to Jefferson Capital Systems , LLC. I have no contract or no legally binding documents with my signature agreeing to this debt with Jefferson Capital Systems , LLC.
This XXXX XXXX account was paid in full via garnishment still reporting to the credit Bureau as a balnced owed.
XXXX and an ex-family member received a phone call from the following number : XXXX from a XXXX XXXX. The woman will not tell me the name of the company she is with and continues to threaten to have me arrested. When I told her I was going to file a complaint against them and she needed to tell me the company name, she hung up on me.
I spoke with XXXX XXXX, loan XXXX at HomeBridge Financial Services , Inc ober a week ago about what types of loans are available to purchase an investment property and whether I would be eligible to take out said loan. First contact was over the phone. I told her I was not comfortable filing an application yet as I did not want a hit on my credit and would feel more comfortable if she would review my financial paperwork first and only info I would give her to make a preliminary determination. She assured me she would do so and send me a link to the application via text. Once I filled out the application, there is a box to check to give consent to lender to run a credit check next to the submit button. I made sure not to check the box since I did not want to have my credit pulled, and before submitting the application, I texted XXXX  again. She again ensured me, in writing this time, that she would not pull my credit and for me to go ahead and submit the application so that she may review it. I clicked submit and she confirmed she received it via text. To my surprise, the following morning, I received a credit karma notification that my credit had a new hard inquiry and that my credit score was lowered by XXXX points. I immediately texted XXXX. She apologized, blaming her assistant but saying that he did not know not to pull my credit despite the box not checked, clearly not giving my consent for such inquiry to be done. She said she would give me a copy of my report as apology. I explained that I was not okay with her way of doing things. She then made a determination of my eligibility solely on the tax return paperwork I had submitted. I then adked her what she was going to do to fix my credit since, if she had not been XXXX, there would have never been any need to pull my credit in the first place, which I was trying to avoid all along. She refused to try to " fix '' her mistake but sent me emails saying that there was nothing to worry about, that inquiries did not affect credit scores anyways. I told her that XXXX states that inquiries do lower scores, and will appear on the credit history for XXXX years. That she needed to contact the credit bureaus and explain that she made a mistake so that my credit could be restored and that if not, I would have to contact CFPB for assistance. I also told her that as a licensed professional, she owed me duty of care when I entrusted her with my sensitive info but she was XXXX or XXXX  when she betrayed that trust and pulled my credit despite giving me her word not to do so. Needless to say how outraged I am at this point.
I noticed XXXX fraudulent transactions posted to my Citibank line of credit. I first reported the discrepancy on XXXX XXXX, 2015. The XXXX transactions are posted as transfers from my line of credit, in the amount of {$500.00} each, to my checking account. 

On XXXX XXXX, 2015 I requested an investigation. I informed the Citibank representative that the transactions are posted as transfers to my checking account, from my line of credit. The representative informed me that the transactions are posted as teller withdrawals on their system.
My family and I had been going to a dentist for several years, always paying the balance of what our insurance did n't. On our last visit, our child had a XXXX put in. I live almost an hour away and was told that it was really precautionary measure to avoid XXXX and she would not charge because of it being so small. Well, it came out 2 weeks later, and also this dentist had been constantly XXXX which caused me to XXXX and cause XXXX. Finally, I became accustomed to it. I decided to find another dentist for our family because the XXXX would come out after a year and she would recharge us to fix them. The new dentist office called our old dentist to get our records and they were told that they did n't know us. Finally, they sent them. I started getting text bills and ugly phone calls saying we owed {$130.00}, at this time, we had n't received a paper bill, just text messages started coming, and are being harassed by collection agency They are stating that we owe {$130.00} XXXX on XXXX/XXXX/XXXX. The phone calls are coming after XXXX. I wrote a check for {$27.00} for XXXX that day which I was told was all I owed. Now I see we were charged XXXX. The collection agency said tonight that we owe XXXX. 

I took my dentist bills out and when I look at our insurance acct, it states I should only owe {$61.00} and it was filed so much later than the cleaning and it all happened on the same day yet no bill. I did n't know what to do and I did not want to pay the {$130.00} because two weeks later, filling had come out. I notified our insurance company and they stated they had received a bill for this filling in the amount of {$170.00}. They paid {$47.00} and our dental plan gave us a {$66.00} discount for being in network. We did owe {$61.00} since she decided to charge for this XXXX work which she did n't let me know about until she turned me over to collection. Insurance paid on XXXX/XXXX/XXXX and they cashed XXXX/XXXX/XXXX, remember this all took place on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I took a check to this dentist. She said she would stop the calls, well today is XXXX/XXXX/XXXX, husband still getting calls on his job. Bill is paid. What do I do? 

All of this came from our family leaving her dental care. When our time comes to visit our new dentist, he may have to re-fill this due to her lack of doing the procedure correctly. That is why we left, her filling would not stay in and she kept double charging us, over and over again using cheap materials.
On or around XXXX XXXX 2016 there was an unauthorized accessing of my personal credit info, this was an act of violation of XXXX and should be deleted. 
1. XXXX XXXX/XXXX/XXXX 2. XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX XXXX/XXXX/XXXX 5. XXXX XXXX My credit report showed a credit inquiry by the above company that I do not recall authoring.
I was not allowed to dispute a XXXX dollar charged on my account. The charge was from XXXX. The charge is not authorized. The charge is for a pen scribble on a white chair. My wife and I noticed the pen mark when we checked in. The room was free and my card was swiped foa a " XXXX hold for incidentals '' .I never signed anything and I was not notified of the charge and I never agreed to my card being used as a limitless security deposit. XXXX Bank of America MasterCard I should be permitted to dispute this unfair and unauthorized charge per the fair credit trade act
Dear Sir/Madam Capital One made Unauthorized Hard Inquiry and i contact them to remove they didn't response my mail and i have a fraud alert on my Credit report with 3 agencies XXXX, XXXX, XXXX Inquiry date : XX/XX/2018 Inquiry date : XX/XX/2018 so i attached copy of my credit report with confirm unauthorized inquiry from XXXX Agency
I pulled my credit XX/XX/XXXX, I noticed that I had inquires that I did not authorized at all. I have called, fax and sent certified letters as well to Experian and have gotten nowhere with them. I have agreed to put fraud alert on my credit, they still give me the run around. They just do n't care about anything, I told them my credit means everything to me and I want those inquires removed. They told me they will not remove them. I need your help because I value my credit and need it to survive because everything in life is credit driven. I just re- pulled my reports today and nothing has changed on my credit reports. 

Sincerely, XXXX XXXX
I started at XXXX at 30 years 4.25 I am now at XXXX at 30 years 2.75 % XXXX dollar increase over a 2 months. 
Did I just XXXX myself? I thought it was something fishy about it. I really did not want to do it. Did i win or loose? 
We like we have been XXXX and humiliated? 
Lets be clear I DID it because I wanted to lower my house note. 
Please advise!!!!!!!!!!!!!!!!!!! 

XXXX XXXX XXXXXXXXXXXX XXXX
I was XXXX overseas in XXXX and I made a purchase on XXXX for some documents for my XXXX. I called and told XXXX that I did not receive the document. I also did not have access to the document.They said it was sent. I had previous document purchases with success. This time it failed and customer service said it was not them. XXXX still tried to charge my bank account. I stopped the transaction and filled out a report with my bank. My bank did not pay. 
A year later, I am in a new country, and I get a letter from Convergent Outsouring, Inc. I wrote them what happen and I got no reponse by them. In my letter I wrote I desputed the allegations with XXXX. I received no letter from XXXX, so I assumed the problem was resolved. 
Another year ( XX/XX/2017 ) later I get another letter from Convergent asking for settlement for XXXX XXXX Bank on the XXXX account.
Valley Collection Services ( VCS ) and I have reached settlement however, VCS wants payment prior to providing a written agreement regarding the settlement. A 'paid in full ' and a 'payment agreement 'are two different letters. I will not make any payments unless a written document explicitly indicates that a PENDING {$90.00} payment will settle the account in full as agreed upon. Once a payment is made then a 'paid in full ' letter can be distributed. The arbitration terms are with XXXX XXXX XXXX, but Valley Collection Services is what is reflecting on my credit report. If I can not receive a pending agreement letter indicating the {$90.00} will settle the account, I will take further action as VCS has acknowledged an agreement was made through a Better Business Bureau complaint. I will not make a payment then receive a letter after-the-fact, as I have no clue if the letter will comply to what was agreed upon. I am not making 'payments ' toward any balances. This is a 'settlement ' payment. The service was only performed once for {$90.00} while I was not home.
I received a student loan through XXXX. My Loan was sent to a collection agency.After my Federal Taxes had been offsetted. To pay back the student loan. The collection agency is Navient.My account was opened by Navient and reported to all XXXX credit bureaus.It is well over the 7 years expiration period. I have contacted all XXXX credit bureaus.XXXX, XXXX, and XXXX.I contacted Navient to demand that they remove this inaccurate account record from all XXXX of the reporting credit bureaus.XXXX, XXXX, and XXXX. Sending them documentation of my offset.It has yet to be taken off. I contacted XXXX who informed I would have to wait till XX/XX/XXXX.Due to an update from Navient in XX/XX/XXXX.This is ludacris, and furthermore is hindering my family.From receiving adequate housing, schooling, and employment.Creditors are denying me left, and right for this ( 1 ) inaccurate collections.Please! Help me attain what I deserve.A fair chance to renew my credit. I have paid my debt, and would just like this account removed from all XXXX credit reporting agencies.
I have been trying for more than 6 month that my mortgage company which is XXXX XXXX XXXX report my payments to the 3 agency credit bureau but they have been refusing to do it. I file for bankruptcy over 7 years ago and I have sent them a confirmation letter written for me and talked to my attorney and he said the confirmation was include when I filed. so in XX/XX/XXXX they asked me for a bankruptcy discharge, I sent it to them, then a confirmation letter in XXXX and another documents and calling and ask them many times to report my payments so I can improve my credit score and get better interest when I apply for any kind of loan ... I don't know what else to do ... please help with this Thank you
Federal Bureau of Investigation ( FBI ) vs. XXXX, XXXX, Experian On several occasions I submitted a complaint through the CFPB without any successful resolution. I now provide the FBI investigation against the findings of XXXX-XXXX and Experian. I have also submit an investigation by XXXX XXXX  to the FDIC. This complaint will have a different outcome hopefully should the three credit bureaus do not remove negative information provided by the XXXX XXXX XXXX XXXX ( XXXX ). I did not realize that through my Congressman the opportunity to place this in front of the Congressional Oversight Committee is available to me. This is also a direct challenge to XXXX, XXXX and Experian to ignore and dismiss an FBI investigation. This is a further challenge to the three credit bureaus to ignore and dismiss an investigation by the FDIC through XXXX XXXX. Additionally, there may be many consumers on XXXX XXXX that have similar experiences. Remove negative information from my credit profile now!
It's a Citi Diamond Preferred CC account. The payment was due XX/XX/18, I was in transit - flying. Had the flight gone as planned, I would have made the payment in time. As it happened, I was stuck on the plane on the tarmac due to equipment failure, then inclement weather for 5 hours. I did not have alternative means to pay the bill as a result of this situation. I sent in the payment as soon as I was able the next day. I then called Citi card services about the fee. I was told a request was put in, though nothing could be done until the fee was officially assessed on XX/XX/XXXX at the latest. The fee was assessed on XX/XX/18. I called about the request to remove the fee. The representative told me he put in the request electronically, it was immediately denied with no explanation. I asked if I could speak to a supervisor or someone higher in the chain of command who had authority to deal with this issue. He said no one has a higher authority to deal with fees, all positions have the same authority and there was nothing he could do. I find this highly improbable. I suspect this is an auto denial on all late fees regardless of situation. Ihave had fees dealt with from other card companies in the past. This is a policy that is not for the customer. It does not embody the value of a relationship that Citi cards claims to create.
XXXX XXXX of XXXX, CA mailed our company compliance posters on XX/XX/XXXX. These posters were not ordered or authorized by our company. We contacted XXXX XXXX and informed them of this fact. They stated that the items were authorized by our company president on XX/XX/XXXX. This is not a true statement. 

XXXX XXXX refused to pay for return shipment or to cancel the debt. They subsequently referred the matter to a collection agency, who contacted our company on XX/XX/XXXX. We responded with an email response to XXXX XXXX, but received no response. We were contacted again by the collection agency on XX/XX/XXXX. Our president called the agency ( Receivable Management Services, LLC ), and notified them we considered this instance of fraud on the part of XXXX XXXX and would be taking appropriate action.
Equifax lost my data as a result of it 's XXXX 2017 hack.