WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax is reporting student loans accounts multiple times as closed accounts, transferred accounts & delinquent accounts giving a false total as bad accounts. Their reporting caused my credit report to dive by XXXX points in 30 days. In truth, the following accounts have been deferred or transferred to a new company & are all in positive standing : XXXX Other account that appears as negative are the followings : XXXX : Has incomplete, incorrect and inaccuracy information. Never has been paid late and the report establish that was pays as agree. 
XXXX ; incomplete, incorrect and inaccuracy information. This was a secured account and is impossible that was paid late. The credit report established that was paid as agree.
TransUnion was reporting outdated information ( from XXXX 2017 ) regarding a XXXX XXXX credit card account for which I am an authorized user. My wife is the primary account owner. We contacted TransUnion and they advised that they had simply not received updated information from XXXX XXXX  and that we should submit a dispute. We were not advised that by submitting a dispute, TransUnion would delete / completely remove the account from my report. Removing the account was the incorrect action and not what I requested. The account was correctly showing up on my report, but the balance and payment information simply needed to be " refreshed ''. The removal of this account caused my TransUnion credit score to drop by over XXXX points, which has prevented my wife and I from being able to apply for a home loan. We requested to withdraw the dispute from TransUnion, but they advised that this was not possible and that the only way to resolve the matter would be for us to contact XXXX XXXX and request that they either call the " local TransUnion marketing office '' or submit a request to update. We submitted documents in writing to both TransUnion and XXXX XXXX requesting this. XXXX XXXX  advised that they can not call the marketing office and repeated efforts to request them to do so have failed. XXXX XXXX advised that they investigated out situation and sent over a request to TransUnion on X/XX/2017. TransUnion advised that upon receive such a request it would take 5-7 business days to update the information. However, I called today and they are now stating that they have NOT received any kind of request and that the only way to get the account correctly reinstated to my report is to have XXXX XXXX call the office ( which they refuse to do ). TransUnion is now also stating that there is a " technical error '' with my file / report and giving me the " run around '' each time I call. XXXX XXXX refuses to assist further.
I 've called XXXX numerous times for these credit inquiries to be removed and I ca n't get through I call at XXXX and the operator says the office is closed. I tried, and tried and tried, but there is no direct number to speak to a fraud specialist pertain to credit inquiries. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Equifax I ca n't into to see the investigation after they send me an email. It locks me out. 
Says I entered wrong information.
On XX/XX/XXXX, I pulled a recent credit report to review my credit because I 'm in the process of establishing a business and I need to apply for a line of credit. I noticed there was a Collection entry by Eastern Account System that totally alarmed me. I was never notified that is account when it was added to my credit report in XX/XX/XXXX. My rights under the Fair Credit Reporting Act were violated because I would have disputed first this. I recently sent a dispute to all XXXX credit reporting agencies and of course it came back verified. How could this be? I 've been working extremely hard to maintain my credit report, and I would have addressed this immediately. And not to mention that I still have XXXX services and I have had services for years. Eastern Account Systems derogatory marks on my credit reports are preventing me from establishing a business line of credit and becoming a business owner. I had no knowledge of this account until recently and it ' does belong me.
I reached out to the company on multiple attempts starting on XX/XX/XXXX about incorrect reporting of inaccurate inquiries on my credit report as well as accounts listed that were not verified as belonging to me. The company received my information on XX/XX/XXXX and it is now XX/XX/XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.
I received a notice from XXXX XXXX stating that my taxes were delinquent on parcel # XXXX. Ditech Financial is financing this property ( Loan # XXXX ) and receiving an escrow payment from me to pay taxes and insurance. Ditech did not pay the taxes and after contacting the tax department they said that the account was not set up correctly and they would pay the late fee. I informed them that there would also be penalties and additional interest if not paid by XXXX/XXXX/2016. They said they would pay the interest and penalties within 3 weeks, and to check back after that. I checked back after the specified 3 weeks, on XXXX/XXXX/2016. I was told that it had not been paid yet but that it would be paid on XXXX/XXXX/2016 and to call back on XXXX/XXXX/2016. I called back on XXXX in the morning and was told that they could n't have paid it by XXXX. They could not tell me when it would be paid. I asked who I could speak to that would be able to answer my request. He told me he could transfer me to the supervisor. The phone he forwarded me to went immediately to voice mail, so I left a message. I also sent an email to a general Ditech customer service location. 
I did n't really want to file a complaint, so in desperation I attempted to call Ditech tax department to receive some sort of answer to my query. She could not give me even an approximate date of when the taxes might be paid. 
It is now the evening of XXXX and no one has contacted me so I am left to hoping that I might receive some response through this venue.
Infomed Synchrony bank of my travel plans outside of the country and to other states within the US prior to travel. These notices have been given to Synchrony two weeks prior to travel and again the day before my travel. Every time Synchrony bank shuts down my cards claiming fraud when they knew I was traveling. I 've spent hours on the phone with Synchrony to correct these issues to no avail. I 've asked for a direct phone number to correct these problems from supervisors and the only answer I ever receive is I 'll send your complaint to upper management.
I need some information about the predatory lending that went on with XXXX XXXX XXXX. I have never heard of a XXXX degree that cost XXXX. When applying at another college they would not accept most of my credits. My credits will not transfer..
Upon the direction of a BlueBird customer service rep. we deposited {$120.00} into a XXXX ATM with expectations of it being deposited onto our BlueBird card.After doing so we were instructed that is not an option.We contacted XXXX to have this issue resolved and they instructed us that we need to have BlueBird open an ATM dispute, so we did. BlueBird has told us that they are not willing to help, we have the phone conversations recorded.BlueBird has refused to help us file a dispute to regain the money their representative is responsible for us losing and has ignored all our requests to resolve.We faxed the documents they requested from us, a description of the issue and time and date and have fax confirmation.They asked if we had a copy of the receipt, upon us telling them we do n't have XXXX they insisted on a receipt as a way to pass blame. We have make no less than XXXX phone calls to BlueBird which is a part of American Express and sent XXXX faxes to them and they refuse to help in any way.
XXXX XXXX XXXX did forceful file of taxes for 2008 which in turn they file judgement for {$6200.00} which I did n't own. They later release the lien. I reported to all their credit bureaus but Trans Union refuses to remove it off my credit report.
There was fraudulent activity on my card from XXXX. Synchrony bank charged me foreign transaction fees as well. When I told them of the fraud they refunded me for it, but did not refund the foreign transaction fees.
My loans for grad school were transferred to NelNet in XXXX. I made payments on several occasions paying ahead, but every single time I set up the autopay so it would continue paying. I had some issues with it in XXXX but thought I finally had it working. As I was completing my taxes this year I realize the autopay was again switched off. It 's entirely possible I made an error at some point, but I ca n't tell you how many issues I had with their autopay. I received monthly bills with {$0.00} due this month. I realize now they mean I do n't have a payment due until XXXX. They 're just letting the interest accrue again since I paid ahead! It 's my fault for not catching it sooner, but I was very sure my loan was being paid on this whole time and may have confused it with NAVIENT, my other loan servicer who I 've completely paid off and also receive " {$0.00} due '' messages. So rather than paying down my loans like I thought the last two years I now owe more than I did previously. This is UDAAP at its finest. While my own ineptitude contributed to this, I think NelNet should be put on notice for terrible servicing practices.
I am filling a complaint today against Bank of America checking account division because of a recent issue I discovered and they won solve it. Neither face to face nor on the phone. Here is my issue : on XX/XX/XXXX I deposited a money order for the amount of {$200.00} that I received from my employer. Yesterday XX/XX/2018 while I was checking my transaction I realized that there is debt in my account for the amount of {$200.00} which I assume that has to do with the money order because in the details say something about an altered check and I have deposited anything else. In my little knowledge of finance, a money order translates to guaranteed funds. Today XX/XX/2018 I decided to go to a physical location to talk to a representative but I waited over an hour and nobody could take care of me they were full and there were only two reps in the branch so I left. In my way home I called Bank of America customer service but they would put me on hold for over 20 mins and at the end hung up on me. The truth is that now I am out of the money and out of the money order and no one in that organization seems to be able to get my money back. Please help.
XXXX XXXX XXXX contacted me on behalf of Navient to help with my Student Loan XXXX XXXX, 2017. I was paying Navient a monthly fee of {$45.00} with a balance of {$38000.00}. I spoke with a guy name XXXX but XXXX XXXX sent me a Contract via email stating that I could pay {$1200.00} in ( 3 ) increments and gave me the breakdown that 's all I had to pay. I just made a payment of {$390.00} on XXXX XXXX, 2017. Now I have been contacted again stating the Representative told me wrong and that I would have to pay more and my monthly payments of {$45.00} would now go up to $ XXXX+ a month. I have called several times to get a different Rep that has no clue what I 'm talking about. When you ask to speak with a Supervisor you ca n't get one and when you ask for their last name they want give it to. So finally I said the next person you speak with will be my Attorney and they said it 's no need to do that so now they are suppose to refund my money that I 've paid via bank draft ; because I 'm sure it did n't go toward my Student Loan payment. The interest rate is unbelievable and it 's Highway Robbery.
I sent a letter to this company to remove a unauthorized inquiry that was made without my consent, nor did I receive or apply for credit with this company and they have not sent me any proof of such request and failed to respond.
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX   and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me  an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
American Express says they charged off over {$1000.00} in XX/XX/2017. I made monthly payments even after the account was closed and paid the balance off in full, but with late/missed payments in between. Last payment was for {$400.00} in XX/XX/XXXX/XX/XX/2017.
Hello, My issue is with CitiBank with regards to an account sign-up bonus they offered and are failing to deliver. The bonus was a {$600.00} account bonus for opening a new account with $ XXXX of new money ( link at the bottom ). The terms are : transfer the $ XXXX in, maintain that balance for 2 mos., then within 90 days, you get the bonus. 

I made my deposit on XX/XX/2018, which means I should have gotten it by XX/XX/XXXX ( ish ). I called their Customer Service line couple days after that, and again this week, and they acknowledged I had met the criteria. They both promised to email me with an update ( neither did ), but let me know it's under " investigation. '' Which, to me, sounds like an arbitrary queue they can put you in to delay disbursement indefinitely - they use it as an excuse to take no action, and refuse to let you speak to anyone in the bonus department. 

I can provide other specific details if you need them. I just want it resolved ASAP! 

Thanks! 

OFFER LINK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Midland Credit Management calls via their telephone number, XXXX. They call different times of the day and day after day. I answer the telephone and say " hello '' ; however, no one on the other end ever speaks. If the answering machine picks up, no one leaves a message. Two weeks ago, I dialed XXXX after a call and learned the telephone number calling me is XXXX. I called this number and spoke to a customer service person. The person said that they are trying to reach XXXX XXXX. I informed them that I am not XXXX XXXX. XXXX XXXX had the telephone number that they call 11 years ago. I requested that they stop calling. The person responded that they would stop calling. The calls stopped for a few days and have resumed.
To Whom It May Concern : I am asking for a legal debt validation of the following collections account that has been previously deleted from my credit report. This is a clear violation of my rights under the Fair Credit Reporting Act. 

XXXX XXXX {$1500.00} # XXXX I am disputing this and you have 30 days to complete your investigation. If you can not verify it you must delete it. The FCRA requires you to notify me no later than 5 days after the date of reinsertion. The debt collection agency has not certified that the information is correct. Thank you for looking at this matter. If this is not resolved I will begin litigation and file suit. 

Sincerely, XXXX XXXX XX/XX/XXXX SSN : XXXX
Each month, Bank of Hawaii locks me out of my online account, leaving me unable to pay my car payment. I have to call in, and wait 20-30 minutes to talk to an online representative or go into a local branch to make the transfer. The entire point of online banking is for the convenience of being able to do it from my phone or computer at home, and Bank of Hawaii is failing horribly with their customers on this page. I 've been trying to speak to a customer representative agent the past 3 days to get my account unlocked, but due to excessive waits ( minimum 20-30 minutes ), I have not been able to access my account. They said that they added a new layer of security to their  accounts, yet all it 's doing is preventing me from being able to access my accounts, and is going to be reflective on my credit score that payments are being late- solely due to the fact that I constantly am locked out of my account. It seems as though Bank of Hawaii is doing this on purpose to collect late payment fees, and it seems scammy.
XXXX service is on my credit report. I did a request for verification of a Speedy Cash loan that was taken out without my consent. I have attached a loan that was attempted on my Daugther 's SSN also. During the XXXX I did attempt to start business funding. My information was given to third parties. 

I did have phone contact with XXXX. I did state I had a POA. The phone call was aggressive and not consumer friendly. If I say one thing a phone call should end. The probing and questions. I do have a POA in place due to my information was given out. I have had fraud on my bank accounts and have been through harassing or " scam '' calls since this started since XX/XX/XXXX. 

I did receive an email from Speedy Cash for an email for a XXXX loan approval rating. I never received a phone call to verify any information. I used my email address. I do n't see the -signature. Also, I went back to research Speedy Cash. I I do have an illegal credit check on XXXX Report from XXXX. I never authorised this credit check with XXXX. 

I have read many complaints about XXXX and XXXX. I ca n't find they are invested with each other. XXXX and XXXX do not help the debt consumer but keep them in debt by getting more loans or using the credit check to initiate on credit reports to force payments. I have read numerous accounts of they will take negative reports if paid today. 

A collection was placed on my account last week. A man name XXXX ( the wrong name is given in the previous complaint ) XXXX XXXX called my home. He did give out XXXX was going to my home to serve me. Who will be my lawyer in XXXX TX. 

I drew up a legal notice to XXXX. I told them in the letter that I will advise my attorney. XXXX is my attorney. In that letter, I never released his address, phone number, TX law license number. I never stated to cease to talk to me. Talk to my lawyer. XXXX had no permission to contact or send any packages to my lawyer. 

My attorney called me XX/XX/XXXX and told me that XXXX did get in contact with him to verify him as my lawyer. XXXX had to find a XXXX ( my attorney ) to probe without my consent. That is violating my privacy and my attorney 's client relationship.
Account ending in XXXX. 
I wrote back to you regarding TD Bank car loan. After struggling to make monthly payment on- time due unemployment issue. I received two letter from TD Bank dated XX/XX/XXXX, saying Congratulation! your final payment is now due. please pay the amount indicated below by due date. total principal balance XXXX principal due XXXX financial charge due XXXX Late charges total XXXX. 
on a second letter i received from TD Bank dated XX/XX/XXXX, stated current due XXXX total amount due XXXX. This second statement raised into questioning. In XXXX I submitted a complain regarding extra payment beginning of the loan in total amount of {$410.00}. I was told that money will apply to the end of the loan. I called this morning I was told that money has been used into Principal. Now I 'm at end of making a final payment, final payment is more than regular monthly payment due to late fees. I would like to know about the excess payment I had made toward my account.
This debt was for a XXXX card that my wife had. We fell behind due to XXXX bills so they sent us to a debt collector. XXXX XXXX XXXX. they contacted her at work talked with her boss and demanded to talk with her. They said they wo n't stop calling. When I spoke with them to work out a payment plan. They told me I can pull the money out of my 401k that there is no tax penalty which I know is not true. They also asked why I had to pay my income tax that I can pay them first and pay taxes later with out penalty. I am almost positive a debt collector is not in the postitution to give tax advice or financial advice.
I 'm an accountant and deposited a {$4800.00} check received for Client # XXXX, I also do the accounting for Client # XXXX. Client # XXXX and Client # XXXX are competitors and completely unrelated, and up to this point unaware that I handled each others bookkeeping. I am a signer on Client # XXXX account, but not on Client # XXXX. 
The teller deposited a check made out to Client # XXXX into Client # XXXX 's account, even though the check was endorsed " for deposit only and Client # XXXX 's account number ''. When a vendor tried to cash a check and the money was not in the bank we went Online and discovered the error. We tried calling the bank for over an hour and the phone was never answered. Wells Fargo Customer Service attempted to call for over an hour and a half and never got through. Customer Service suggested I withdraw the {$4800.00} from Client # XXXX and deposit into Client # XXXX account. I refused to withdraw money from Client # XXXX because I had not made an error, the bank had simply put the money in the wrong account, and just because I was a signer on the account they put the money into did not give me the right to take money out. I was simply the carrier, my client had asked me to deposit his check into his account, the bank deposited the check into someone else 's account. 
Customer Service had me drive to the branch ( XXXX miles ) because they were unable to contact them by phone. When I arrived at the bank the head teller corrected the mistake, but then doubled the amount of the deposit. The bank manager suggested they could give me free deposit slips to compensate for the error. Here 's what I feel they did wrong : 1-Teller did not verify name on check with the account it was being deposited to. 
2-Teller did not verify account number on the back of the check with account deposited to. 
3-Branch does not answer incoming calls. 
4-Customer Service Rep unable to rectify error even though she had images of the check. 
5-Customer Service suggesting I withdraw funds from someone else 's account, that the bank had deposited to in error. 
6-Customer Service issuing a reference number while the problem was being investigated, even though she had all the facts. 
7-Client # XXXX had access to the image of the check made out to Client # XXXX violating Client # XXXX 's privacy, for he now has all the information for Client # XXXX 's account, amount of check, the vendor whom the check was from. 
8-Has violated client # XXXX privacy by suggesting I withdraw the funds and disclosing the balance in the account unrelated to the deposit. 
9-Asking the customers accountant to drive to the branch because they would not answer the phone. 
10-Caused a difficult situation between my clients and myself, for the only connection I had in this situation was being the driver of the check. By the teller automatically attaching a deposit I brought to the bank to another account that I was a signer on she linked XXXX competitors that have lost trust in our relationship.
Back in XX/XX/XXXX I was behind on my bike note. I then sent {$4500.00} in cleared funds to Harley Davidson. That pmt put me in a current status and paid me up the next at least 5 months. I disputed the balance with the credit agencies since Harley Davidson never updated the balance. Harley Davidson never responded to the credit agencies within the 30 day limit by law they give them, so the line of credit was removed from my report. I have called and spoken with supervisors from Harley Davidson since XX/XX/XXXX. and have been informed that they will put in a REINSERTION OF THIS TO MY CREDIT REPORT WITH ALL THREE CREDIT AGENCIES ... BUT STILL HAVE NOT DONE THAT. Per XXXX they are reporting each month, BUT THEY HAVE NOT PUT IN A REINSERTION OF THIS TO BE RE ADDED TO MY CREDIT REPORTS, SO RIGHT NOW I AM MISSING THAT LINE OF CREDIT ON MY REPORT AND IT HAS AFFECTED MY REPORT SINCE XX/XX/XXXX. THIS MATTER HAS BECOME VERY STRESSFUL AND EXHAUSTING. I NEED HARLEY DAVIDSON TO REQUEST A REINSTATEMENT OF THIS LINE OF CREDIT BACK TO ALL THREE MAJOR CREDIT AGENCIES. 
THANK YOU