WillisBack/dataset-financial-user-claim huggingface dataset:
The eye of Hurricane Harvey came through here on XXXX XXXX. U.S. Bank holds my mortgage and now also the insurance claim monies awarded by XXXX XXXX XXXX XXXX. U.S. Bank is refusing to release the money so I may continue restoring my house. At their instruction I have submitted endless piles of paper, including reconstruction contracts and even cancelled checks. Their intentions clearly are not honorable. Their representatives on the telephone refuse to disclose their names or transfer my call to a more knowledgeable person. This has now gone on for over three months and we are financially desperate. Matters are at a total impasse. In my opinion this continuing refusal to release funds constitutes theft. Twice I have been promised money if I will just take specified steps. Both times I complied, only to have more indefinite delay placed in my path. The creditability of U.S. Bank is at zero.
I have a CITI Bank Diamond Preferred Card. There are two different instances were I was charged a late fee that was not suppose to be charged and CITI reported both of them to the Credit Bureau. Which Negitavly effected my credit score. Dropping it from a XXXX to a XXXX. I have reached out to CITI multiple times and after waiting 2 weeks was just informed they would not remove them. Both instances were a mess up on their part not mine. The first in XX/XX/2016 and the wrong banking account was charged. They charged a bank that was no longer active. Failed to inform me until 2 weeks after the fact when they called and asked for my payment. Then XX/XX/2016 they charged the correct account, but did it the wrong way and the funds were returned. Causing yet another late payment and issue. I was never informed this would be reported to the credit bureau. It should not have been. Neither payment was more than 30 days late. I followed all the steps, corrected the problems as soon as I was notified about them and with no help from CITI. They claim everything was valid. All I want is for these XXXX mishaps to be removed from my credit report. I am trying to buy my first home and this is greatly hurting me.
There are two accounts one is XXXX and the other is us bank. Several years ago I was a additional signer on the account with my mother XXXX XXXX. I was taken off of both accounts and it still is shows on my credit report. 
US BANK XXXX Revolving XXXX/XXXX  XXXX
the following accounts were disputed over 30 days ago and were not either validated or investigated fully. the receipt of the initial investigations are attached. the following accounts should be deleted from my credit file for non-compliance. 
XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX  XXXX {$430.00} XXXX XXXX  XXXX {$540.00} XXXX  XXXX $ {$680.00} XXXX XXXX XXXX {$50.00}
XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX inquiry date : XX/XX/XXXX This 3 companies have put inquiries on my experian credit report without my knowledge please have them remove from my experian report.
After granting me a Care Credit card, Synchrony Bank checked my credit report 2 months after I paid off the card my balance and, stating that my credit no longer " met their terms '', they closed my account after less than 18 months. Nowhere in my terms and conditions of the agreement did it state that I had to maintain a certain level of credit worthiness in order to keep the card. In the terms and agreement, it stated that they may periodically check my credit in order to review, maintain, and collect on my account. I have never been late or missed a payment. I have used less than 50 % of the total available credit of the credit given. Because of my history with the company, there was no justifiable reason for their closing my account, causing my debt to income ratio to increase, resulting in a further drop in my credit score. When I called Synchrony/CareCredit to inquire about this, they stated that it was " standard practice ''. Yet, I was never advised of this practice, nor given a " warning '' of how my current outside financial situation would hurt my good standing with my Care Credit card. 
Once I received the letter from the company, informing me of their decision to close my account, I contacted them, via phone, to ask them specifically what the logic was behind closing the account and told them the ramifications to my credit score and file their actions would have. I was advised by a supervisor that it is their common practice to close accounts when a consumer no longer meets their credit criteria to hold the account, nevermind that it is not listed in the terms and conditions. I, again, advised the supervisor that closing my account will cause my credit score to plummet and asked her to explain to me how her company 's actions can not be seen as a having a negative effect on me especially since I have never violated any of the credit terms and agreements to warrant the closure.
XXXX XXXX XXXX hasn't removed 3 claimed late payments from my credit report. The dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX show up on my credit report as being 30 days late. However I have never made a late payment. Upon disputing the claim with XXXX XXXX XXXX they have failed to provide a response since XX/XX/XXXX. It is now mid XX/XX/XXXX and I have yet to receive a resolution to this dispute which is adversely and unfairly affecting my credit score. Not only have I been making on time payments but have also paid double the monthly balance to pay off the loan quicker.
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX,
A payoff check was received by GreenTree on XXXX/XXXX/15. Not sure how Greentree applied the funds but the customer service rep explained that the interest should be over {$600.00} and the payoff date should be XXXX XXXX. Should n't Greentree payoff the loan upon receipt of the funds and not wait for XX/XX/XXXX and incurr more interest. I have attached a statement showing the loan balance as of XXXX XXXX, 2015 along with the rate.
I 've received telephone calls from " XXXX '', who works for XXXX XXXX XXXX in XXXX, Virginia. Supposedly, I " owe '' a medical debt to XXXX XXXX for approximately {$48.00}. The Department of Veterans affairs authorized non-VA care at XXXX XXXX. The VA has a policy that any " authorized non-VA health care services is considered payment in full. The provider may not bill you or your health carrier for any services that were authorized and paid by VA. '' When I explained this to " XXXX '', he rudely told me to let him finish talking, and he stated that until I faxed him that VA statement, he would continue to collect the debt. I stated that it was illegal for him to do so per the health insurance policy. Previously I had given the debt collection company the addresses of the Department of Veterans Affairs. I question whether the company is in fact legitimate. I have received XXXX different telephone calls from XXXX different telephone numbers. XXXX of the telephone numbers was overseas. Each time, the person on the telephone had a XXXX XXXX XXXX and used XXXX names. I was asked to give my mailing address and my date of birth to " XXXX ''. I worry about identity theft issues, so I hope I did n't accidentally give the wrong person my personal information.
I started a new job with Sam 's Club ( XXXX XXXX, XXXX, MI ). During orientation we were told that as new employees we were given a free basic membership but we at the same time we were being encouraged to open a more advanced Membership called a PLUS Membership for an additional fee of a deduction of {$2.00} taken out of our pay every week. We were also encouraged to open a Master Card Membership which would again offer cash back rewards for using this card. Since I 'm looking to rebuild my credit score, I had lost who lost not only my job but also my home of 24 years in a robo signing here in Michigan. I had a credit score of XXXX when I was forced into bankruptcy protection back in 2010. Up until I applied for this Sam 's Master card I have never been denied for a credit card. And this time not only was I denied a Sam 's Credit card approval, but they in turn automatically gave me a personal line of credit for {$1200.00}. I was shocked and said, " no thank you '' to this line of credit. The response back to me what that it was automatically done, that the line of credit had already gone through and that I 'd be receiving a credit card along with an explanation as to why I was denied the Master Card. When I repeated that I did not want the line of credit and said I think I was SLAMMED with a credit card and I think this is a problem. I explained that if I cancelled that line of credit that it would go against my credit rating.The person at the Sam 's Club Membership Desk stepped back, held her hands out, palms facing me, XXXX fingers spread, as if to say hey lady! and continued to say " it 's not me, it Synchrony Bank, the creditor. ''
I got fraud by a group of  XXXX   XXXX  with  XXXX , an account holder of TCF National Bank with Account Number  XXXX ,  XXXX   XXXX  in Texas,  XXXX   XXXX  and  XXXX   XXXX   XXXX  to wire money out on a mistery shopper job.     I received a package from  XXXX   XXXX   XXXX  with the instruction and a check {$1900.00} issued by TCF National bank  XXXX  Account  Number  XXXX .     The instruction said to make deposit to my bank and the money send out by  XXXX .     I also received a lot of Email and text as name on  XXXX   XXXX  and asked me to do it.     I wired out {$820.00} to  XXXX   XXXX  in Texas on  XXXX / XXXX /   17  and {$810.00} to  XXXX   XXXX  in Texas on  XXXX / XXXX / 17 .     After I wired them out, the check deposit was returned and no able to use the check.     I currently lost money {$1600.00}, wire fees {$23.00} and bank returned fee {$25.00} ; totally {$1600.00}.     I have already called and send  Email, but I w o n't be able to contact them.     Please find them and get money {$1600.00} back from them.     I attach all copy 's of the proofs.
My complaint is with Prospect Mortgage XXXX Az. Poor service they have told me 3 times when I was going to close, right before I close they call and tell me to send documents that I have already sent or tell me something additional I need to send. The ladies who work there are rude and disorganized. I was supposed to close Monday XXXX XXXX I went to the bank and got my closing money and last night Friday XXXX XXXX my realtor calls me and tells me that Prospect called and said the docs are not ready again. All of these delays have cost me money with additional rent payments and turning gas and electric on again. My health has suffered from all of the stress they have caused.
Today XX/XX/XXXX, I received a notice from a collection agency, Convergent, stating they are trying to collect a debt amount XXXX claiming that I owed to XXXX. This has been a recurrent problem with XXXX. I have not had an account with XXXX since XXXX  when I lived at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. I vacated that apartment in XXXX, XXXX and closed the XXXX account, paid the final balance, returned all the equipment. Apparently XXXX at some point reported or sold some innaccurate information about an account to a collection agency. Every year or so I get a notification from a collection agency about some amount owed to XXXX. I have repeatedly contacted XXXX about this and that company and their collection agencies keep sending me these claims. This now constitutes harassment. I do not owe anything to XXXX and want the CFPB to act to stop the collection agency, and stop XXXX from continuing to harass me about a debt that I do not owe. The address of Convergent on the notice is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX. The Client Account number on the notice is : XXXX. The Convergent Account number is : XXXX. 

Signed, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Accounts have been opened online without my permission fraudulently. I have had to file a police report and also have filed an identity theft report with the Federal Trade Commission by the recommendation of the investigating officer on my fraud case. I have contacted Equifax by telephone and have also sent them copies of my identity theft police report along with a copy of the Federal Trade Commission in regards to the fraudulent accounts on my credit report. They still are continuing to show these fraudulent accounts on my credit report and as a result I have lost a lot of the good credit as a lot of the banks for my credit cards have lowered my limits significantly.
XXXX I bought a used XXXX XXXX XXXX from XXXX XXXX in XXXX MI -I made all payments on time via automatic bank withdrawal from my XXXX XXXX Account. XXXX I traded the XXXX in at XXXX XXXX XXXX XXXX XXXX MI XXXX I received a letter from XXXX XXXX XXXX thanking me for financing and affirming that my " contract obligation has been satisfied. '' XXXX I received a letter from XXXX XXXX XXXX saying I still owed them money. I called the XXXX on the bill and spoke with XXXX who threatened me with an even larger bill if I did not pay the one they sent me. I refused and called XXXX XXXX to make sure the loan had been paid off. They assured me it had and that XXXX 's records must be in error. -From that date forward, I kept getting letters as well as threatening phone calls. I have dates and names of those I spoke with. -It has been continuous even though I threatened them with legal action, but they have continued to harass me and now I find that they have also falsely registered this as a current delinquent amount on my credit report EVEN though they have marked it closed and paid. They have harassed me and turned me over to collectors who have harassed me with early morning calls, etc. -I have all necessary documentation to support this, and I want them to cease and I want to sue them for harassment and for damaging my pristine credit history. -This has been ridiculous!!
I had a loan through Chase Bank that was heading into foreclosure in XXXX but I sold my home ( for more than what I owed ) before that happened. I recently learned ( while applying for a loan ) that my previous mortgage is being reported by both Chase Bank and XXXX XXXX under two different loan numbers, which to potential lenders appears as two bad past mortgages instead of just one. XXXX XXXX was handling the foreclosure and I let them know in XX/XX/XXXX that I had accepted an offer on my house with an XX/XX/XXXX closing date. On Chase Bank 's behalf, XXXX XXXX provided instructions ( dated XX/XX/XXXX ) to issue the payoff to Chase Bank in the amount of {$680000.00} which included additional interest ( in the amount of {$4400.00} ) calculated through the end of XXXX. The property closed as expected on XX/XX/XXXX and XXXX XXXX says they sent the funds via XXXX XXXX  next day delivery. <P/>I 've attached an eleven page complaint that I filed with Chase Bank on XX/XX/XXXX. Today, XXXX XXXX ( Chase escalations ) called and told me that since Chase can not find where they received the funds, there was nothing he could do to help and suggested I reach out again to XXXX or XXXX XXXX  XXXX. <P/>I learned that sometime between XXXX XXXX and XX/XX/XXXX Chase transferred my loan in the amount of {$680000.00} to XXXX XXXX after it had been sold, closed and funded. I also reached out to XXXX  XXXX XXXX and learned ( for the first time ) that on XX/XX/XXXX XXXX XXXX returned the XXXX XXXX check ( made payable to Chase Bank ) and requested a new one to be issued to XXXX, almost two weeks after the closing date. I 've attached copies of the XX/XX/XXXX correspondence from XXXX XXXX 's. On previous telephone conversations with Chase Escalations, I was told that their notes indicated an XXXX XXXX letter informing me of the loan transfer but they could n't find a copy. Today, mysteriously they were able to find a " Goodbye '' letter dated XXXX XXXX. I do n't have a record or recollection of receiving that letter and it 's apparent Chase did not inform XXXX XXXX prior to the XX/XX/XXXX closing date either. Additionally, the " Goodbye '' letter advises payments made after XXXX XXXX be sent to XXXX but the property closed on XXXX XXXX. <P/>I realize that loan servicing transfer 's are common practice but it 's not my fault that Chase Bank and XXXX XXXX failed to communicate with one another. This loan never should have been transferred to XXXX since both Chase and XXXX XXXX was made aware of the sale in XX/XX/XXXX. It 's obvious that someone sat on the payoff check for almost two weeks. I called XXXX today but the agent could barely speak English and was no help, nor could she offer advice for resolution.
XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX : Unauthorized Credit Inquiry Dear : Equifax, I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by the below listed companies that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter via XXXX because I need your prompt response to this issue. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX CBNA - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX., BEST B - XX/XX/XXXX XXXX XXXX C - XX/XX/XXXX KOHLS/CAPONE - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX CRED - XX/XX/XXXX XXXX XXXX DEALER XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thank you for your help, XXXX
I had bundled my account with XXXX for internet and XXXX when I first set up my account with them. My account was bundled without my permission or knowledge. I was not aware of this until I noticed a credit on my account of {$100.00}. I called they said I owed {$180.00} for the new stand alone account for XXXX then it was reduced to {$75.00}. I spoke to a rep XXXX on XXXX/XXXX/2013 who did not know why they split my XXXX off my account so he applied the credit of {$100.00} from my current account to my XXXX bill. Then I started receiving more bills for the account I did not open so I called and spoke to another rep XXXX then the manager XXXX on XXXX/XXXX/2013 who insisted I owed this to them he would not listen to me when I explained that this should have already been cleared up as their error not mine. Since then they have sent me to collections for the {$75.00} that I do not owe. I have been fighting this since 2013. I had it removed from all XXXX credit bureau 's last year but they moved the claim from XXXX to Stellar Recovery Inc. and it 's back on my credit again. I spoke to XXXX at Stellar Recovery Inc. XX/XX/XXXX and explained what happened so she disputed it. Even though they have no history of the account or this charge they will not remove or close the collection or stop sending me to collection for it. I have exhausted all efforts to clear this up only to end with the same result. I do not owe this and would like this to be resolved once and for all. I have all this documented from the time this started to date.
I was on the Income Based repayment plan for the past three years, but was denied this year since getting married, even though my husband makes less money than I do, but with combined income, they were able to deny me and placed me back in the standard repayment plan. This took my total payment from {$140.00} to {$430.00} for XXXX loans. I can not afford this payment as I also have private loans with XXXX. 
I have called for FOUR months to customer service and each time they put me in Forbearance and say that my next month 's payment will be corrected and around {$200.00} total as they are placing me on the extended graduated plan. Then each month, I get a bill for over {$400.00}. Each time I call, the rep says " oh I see where you called, but your plan was not updated ''. This has taken so much of my time trying to get this corrected and has been extremely frustrating, when I am actually trying to make the payments. I do n't want to keep being put on forbearance, I want to be in the correct plan. If I try to use their website, it wo n't let me do anything because it says I 'm in forbearance. On XXXX/XXXX/16, I tried to send an email, hoping that putting my complaint in writing would help, but I only received a generic response about logging on to their website. Please help as this level of service is unacceptable. Thank you.
I field a complaint due to inaccuracies reported on my Credit Report. The inaccuracy had negative effects on my score and consequently on my relationship with said creditor and others as well. I was unable to funding with creditors. 

I requested that the item be removed if the inaccuracy was verified. 

The inaccuracy was verified. Proof of the inaccuracy is that the Credit Reporting Agency made an update to my account. 

The acceptance of inaccuracies on my report due to my dispute should have the consequence petitioned on said dispute. The inaccuracies have had negative effects which need to be repaird as asked for in the dispute ; Removal of Account.
I got a phone call today at XXXX XXXX and they asked my name and my 4 last digits of my ssn. 
I asked who is calling and they refused tell me.

They said they are collector agent from a XXXX  bill.
When I was shopping for a car, the dealers told me that they will do soft inquiry but after a week it appeared as hard inquiry and my credit score went down. while I was reviewing the inquires I found also other inquires that I did n't authorize and even if they should be soft inquiries.
XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. XX/XX/XXXX I received this response : The company that reported the information has certified to XXXX that the inofrmation is accurate. This item was not chaged as a result of our processing your dispute. Pleasereview your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, they also directed me to their website which states the same : http : //www.alsb.uscourts.govXXXX. Yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the bankruptcy court of XXXX, AL listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.