WillisBack/dataset-financial-user-claim huggingface dataset:
I have a capital one credit card with my old legal name. Once I had it and established great credit history, on time payments and a limit increase all within 6 months I applied for another line of credit with my new legal name. I was approved and the card was sent out. Received it, opened the app and added it to there. This was mid XX/XX/2017. Form that day on I have been locked out of my account. I have zero access to anything online, such as paying bills, monitoring credit report, transactions, usage, etc, BUT I CAN use both credit cards. Doesnt make sense. I sent over copies of my drivers license twice, I followed up weekly and kept getting letters back that they didnt understand why I was sending in my DL. Im sending it to you because youre asking for it. Each time I call it is AT LEAST an hour on the phone each time. Mind you, I have everything set up to be paperless. Since that is how it is set up, I am blinded on two credits because I can not access anything. My name change is personal and this company has tried to invade my privacy on more than once occasion asking personal questions. I understand wanting to verify identity but there comes a point where this is too much. I have now resorted posting on their XXXX page to communicate that way. Each time I call it is a different story with a different set of promises and deadlines, none of which have been met. I do not have the time to call in weekly to follow up on this. You have no problem allowing me to spend money on the cards, but you can not let me access my account?
THERE IS SO MUCH OLD INFORMATION ON MY REPORT. THERE ARE CREDIT CARD BALANCES THAT SHOW A BALANCE OF {$80000.00} THAT SHOULD BE {$5000.00}. THERE ARE ACCOUNTS AND MORTGAGES THAT HAVE BEEN CLOSED FOR YEARS.
Equifax allowed their security system to be breached, exposing 143 million persons ' information. However, they are charging {$30.00} to freeze my credit report and protect myself from their negligence.
Experian refuses to investigate the following accounts that are fraudulent. These accounts do not belong to me. I have contacted experian online and they refuse to accept my dispute online. The also refuse to connect me to a representative to handle my dispute over the phone. They have been fraudulently re-inserted onto my Experian credit report.The following accounts are not mine : XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX XXXX. XXXX XXXX- 4 accounts # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . # XXXX
I have opened disputes with all three credit agencies regarding the reporting of a medical debt. This debt is indeed not true as the original creditor is accepting payments. XXXX and TransUnion have not removed this account from my report, XXXX has. I also do not have any contract with the collection agency that is listed on this report.
please find attached the creditor letters for which they have approved to remove the inaccurate late marks from my credit, please help me to have XXXX remove these negative marks remove as well, the other XXXX bureaus have already removed except XXXX, i have tries to upload these letters to experian but they are not willing to remove, even though the creditor has removed all the negatives please help me to remove from XXXX thank you
On XX/XX/XXXX, I called Caine & Weiner and spoke with XXXX. She informed me that if I were to set up an automatic payment arrangement, I would avoid the account being reported to the credit bureaus. I set up an arrangement that day-confirmation number : XXXX. They collected money via my checking account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; with that last payment being XX/XX/XXXX. 

On XX/XX/XXXX I received a credit monitoring alert that Caine & Weiner had reported my account to the credit bureaus. This had a very negative impact on my score and was the very effect I was trying to and told would be avoided with the automatic payments. 

On XX/XX/XXXX I called Caine & Weiner and spoke with XXXX. He informed me that XXXX did not place the hold on my account that would prevent it from reporting negatively. He stated that it was an error on Caine & Weiner 's behalf and that he would speak with a supervisor to delete the file from my credit report. 

As of XX/XX/XXXX it is still being reported as negative. I have not received any communication from Caine & Weiner regarding this.
in XX/XX/2017 I XXXX XXXX went into sales and tried to open an account and upon being told XXXX would have to wait to see if I was approved after running my credit I decided I didn't want the card and was told It would be stopped. in XXXX I looked at the XXXX   account and it says I have an open card fit them in my hard inquiries and this is why I never wanted them to finish my application. I was told it wasn't sent in and it would all be taken care of. I want to dispute this inquiry because I literally said never mind fro this reason. ive never even received a card or a account number so I basically was never told if I would even have the account so I figured the info was never sent in
I ordered a copy of my Clarity report. I do not know who this company is but I 'm denied for loans etc due to their reporting. I ordered my file from Clarity and i have noticed many items that are being reported incorrectly on my file. 

I 'm being reported as having XXXX accounts ( XXXX & XXXX ) I do not know who these companies are and have never had accounts with them. I have never signed any agreements with these companies dated in XX/XX/XXXX and XX/XX/XXXX. Its XXXX other accounts reported that have no names next to them. How can a company report an account with no name? These accounts are not mine
I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation.
The information in this ID Theft Report is Clearly LEGIBLE. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification Midland Funding is again violating the Fair Credit Reporting Act they claim to verified these accounts yet have not sent Any Verifiable proof.
Massive frustration after many months to get a bad account off my credit, I can not buy a home until this happens. Wells Fargo Cash on Demand # XXXX XXXX XXXX XXXX is from XXXX, my ex-wife opened this for a school loan when we were married, at the divorce and clearly stated on the final divorce decree, this debt will remain with my ex-wife, she agreed it was hers, this was XX/XX/XXXX, and Wells Fargo seems to think as the secondary on the note they could come back to me if she quits making payments, I guess after it went to collections a few years ago, my ex agreed to a payment plan to settle the debt, looks like that will take years, Wells Fargo admitted to me that she has been making on-time payments for a few years. My attorney has told me that even if she defaults again, Wells Fargo can not make me responsible whereas the court has taken that from me thankfully.I have spoken with Wells Fargo numerous times and have finally worked my way up to management, XXXX XXXX, I hope I have her name right in the Executive Office, she just sends me to other departments and I have not yet found anyone willing to help, this is a horrible injustice to me, to keep me from buying a home for a account I have no power or ability to resolve, and the blatant disregard to at least try to help is criminal, they are no longer returning my calls, I have remained kind and patient. Please Please Please help me with this, really do not know where to turn, with all the negative press and news coming out of Wells Fargo I am not sure why they can remain in business, one of the folks in collections told me Wells Fargo has gotten way too big and there is no way they can service all they have out, just as a note my ex wife applied for this credit using my name and SS # without my permission, their so-called fraud dept was no help at all, please let me know what more you need from me, I am desperate and homeless, no rentals here in Utah and its killing me, Thank you, XXXX XXXX
I am extremely unhappy. my student loans got transferred from XXXX to Uheaa and my payment schedule is completely wrong. I called when it was transferred with concerns that the balance was reflecting higher then I last saw at XXXX after viewing my online profile. I was also concerned because I saw my loans split when it was XXXX lump with XXXX. It did show that XXXX sent my payments but I was concerned because it did not show I had one coming up. I was told I did not have one at the time and I would have one at my regular time in XX/XX/XXXX. Which for the past 8 years has been on the XXXX of the month. I left that phone call still unsettled. Now I get notices that I am late on my payment and owe a fee and my payments are due on the XXXX of the month. That does n't work for me as my other payments are worked around my loan payments on XX/XX/XXXX. Also It is not reflecting my recent payment that my online banking sends automatically on my due date of XX/XX/XXXX. My husband got a strange call to say his account number on his payment is wrong ... umm its my account he has one as well but as he just finished XXXX school his should still be deferred. And I ca n't find contact information because it leads you to dead pages. That lead me to your facebook reviews with many and I mean many other people dealing with the very same issues. This will be fixed and it better not reflect on my credit as this is a mistake on their part. I have been on time with payments for 8 years and then get switched without my permission and it goes all wrong! I am trying to sell and buy a home and this could hurt my family.
There was an unauthorized charge made to my Master Card credit card account issued by the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, which I refused to pay. After much haggling, I paid off the credit card account IN FULL on XXXX XXXX, XXXX and stopped using the card/account. The XXXX then reported the account as a Charge-Off anyway ; so I wrote to the XXXX and they responded that a mistake was made, but the credit reporting agency ( Experian ) STILL has not corrected my credit agency file, even after I submitted proof of my payment to the XXXX, and the credit reporting agency continues to show the credit account as a charge-off! How do I get this problem corrected???
a state tax lien is showing up on my credit that does n't belong to me for {$1200.00} and its affecting my credit score.
His always blowing up my cell phone if I do n't answers they call my work number or sometimes my reference and they send over employment verification as well.
Fraudulent charges from XXXX was placed an on my Capital One credit card ending # XXXX. I contacted the merchant to get them to remove the charge for a service that I never had access to nor authorized the purchase. They told me over the phone unless I dropped the dispute with my credit card company they could n't reimburse me. The credit card company advised me not to drop the dispute and they would contact the company. 

Capital One contacted me by letter and told me to provide documentation including invoices, receipts, and cancellation. Subsequent to my complaint to XXXX they sent me a cancellation for a service that I never had. I provided that document, the only document that I had which was transmitted by email. 

XXXX " XXXX '' XXXX is a third party billing agency for the XXXX security software which charged my card. Capital One continues to tell me that they ca n't help me with the dispute because I ca n't prove the charge is fraudulent. I have written and submitted two letters which explains all this yet they continue to refuse to investigate my complaint. 

I want Capital One to resolve this fraudulent chard through their own investigation instead of make me do their work for them by insisting the I provide they with documents and information that I do n't have.
I applied for a loan and the loan officer pulled my credit and received XXXX credit scores. One was significantly lower than the other two- Equifax ! Not only is a lot of the information on Equifax outdated. They had no idea I bought house and had changed addresses three times since the address they had on file until I told them. Now my problem was with communication. Apparently they outsource their customer service to foreign countries because the language barrier was unbearable. I was not only disrespected by the rep requesting all my confidential information, I was ill at ease with having to provide any information to a person I was having serious trouble trying to understand. Equifax should be required to be as consistent with updating information as XXXX and XXXX. And! This is America! Why is it the only people outsourced to provide Americans assistance with their privileged information is the same voice calling from XXXX saying my computer has virus and they 're calling to help? Where is the accountability? After speaking with a rep at Equifax for 40 minutes nothing was resolved. I felt forcibly violated by having to provide my information to people I could not understand and could n't provide me with assistance. Where is the accountability?
XXXX XXXX very cheap terrible bank to work with I have been trying to dispute the unwanted charge to my account and this XXXX XXXX  refuse to do anything First they told their dispute department XXXX XXXX and confirms that the charges to my account was ledget then when I told them I will take them to court then they said their going to start the dispute again and that was lie it was just to buy time and toy me around they send me this stupid letter which I will include with this complaint They refuse to credit the unwanted charge
Equifax mishandled my information by allowing themselves to be hacked ; and according to their website I am at potential risk for my identity being stolen according to their website XXXX.
The debt collecting company ( Commonwealth Financial Systems , Inc ) is wanting over {$2000.00} for medical bills for dates XX/XX/XXXX and XX/XX/XXXX for a hospital visit that I didn't even go to! I've tried calling but no one answers, I sent a letter telling them that they have the wrong person and nothing. I've looked at reviews for this company and several people say that they've gotten the wrong person. My credit now shows that I'm in collections for over {$2000.00}, I've been working really hard at getting my credit good and I have paid off everything that I know I owed and I know I do not owe any medical bills for these people.
I have asked CHASE to VALIDATED these accounts this is my 2nd Certified letter to them and all 3 credit bureau 's as I have requested an Certified Copy of the accounts that shows it has been VALIDATED with Certified Copies of the TRUE BILL these request has been refused as they are stating it has been VALIDATED & TRUE BILL has been voided I NOW DEMAND I BE SENT COPIES OF ALL ACCOUNTS TO BE REMOVED OR VALIDATED & CERTIFIED COPIES OF THE TRUE BILL & VALIDATED ACCOUNTS BE SENT TO ME ASAP TO POST OFFICE BOX XXXX XXXX XXXX CALIFORNIA XXXX along with sending copies to me at XXXX ASAP they has responded to Experian stating acct was VALIDATED ON XX/XX/2018 I'm in New York I'm unable to check my mail I herby demand copies of the Certified TRUE BILL & Accounting & the VALIDATED accounts be sent to me ASAP to my email address @ XXXX and I'm Demanding the 2 original instruments ea. for {$7800.00} be returned they were kept and I was sent back copies ( receipts ) back if they weren't used why were the original kept stating they were non-negotiable but they were kept ... FRAUD they were signed in blue ink by the living man they owe me {$15000.00} with interest or send back originals instead they sent back copies ... I will be filling a claim/lawsuit against CHASE BANK I'm writing and making a valid complaint to be on file that I have did everything to settle this matter and to prove my standing in Equity Court as this is FRAUD CHASE BANK has said that the accounts were VALIDATED and has refused to send me the proof as I have requested by certified mail # 2 times all of the accounts from CHASE Bank I HERBY DEMAND TO BE SENT ALL ACCOUNTS THAT HAVE BEEN VALIDATED WITH CERTIFIED COPIES OF THE TRUE BILL ( 1 ) CHASE BANK {$7800.00} # XXXX ( 2 ) CHASE BANK {$5300.00} # XXXX ( 3 )  CHASE BANK {$840.00} # XXXX ( 4 ) CHASE BANK {$2100.00} # XXXX I demand the VALIDATED account information and Certified Copies of the TRUE BILL to show these accounts belong to me the living man, ALL ACCOUNTS WILL NEED TO SHOW MY ORIGINAL ( WET SEAL SIGNATURE ) on all documents ( NO COPIES ACCEPTED ) I will be filling a lawsuit within 15 days of this complaint and reply for CHASE BANK send all information and updates to my email address and by mail to XXXX address change and update to XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX UCC 1-308 WITHOUT PREJUDICE I'm out of town due to this I need all replies to be sent NY mail and email
Westlake financial is Saying i owe The XXXX for a car. I reported In 2010 to the police that the person signed my name and used my identity i thought This was squared off and now i see It on my credit report.. I dont know what to do
Due to misrepresentation of services and fraudulent practices, we are stuck paying {$4900.00} lump sum in future monthl payments for a product we do n't use Due to misrepresentation, we were stuck in a 48 month contract that did not perform like promised. Now, we are expected to pay {$4900.00} up front. We started working with XXXX XXXX in XXXX 2015. XXXX XXXX promised in writing a 1 % rate on all CC transactions and 0 % debit card transactions. It was never disclosed that we would be working with another company ( XXXX XXXX ) We were also promised a XXXX machine that would be compatible with quickbooks for accounting purposes. We were sent a different model of key pad, but I did not complain since we were going to be saving at least 2.5 % ( 1.5 % more than promised in writing ) on all transactions. For the first few months, I noticed we were getting charged anywhere from 5 % to 9 %. After trying to get a hold of XXXX XXXX, I finally got a hold of XXXX XXXX of XXXX XXXX ( XXXX )? We had to settle for 2.5 % that she refunded for a few months. Then it became difficult to get a hold of her, and we were not receiving any refunds for being charged 9 times more the percentage than promised in writing. I finally faxed a termination/cancellation letter to XXXX asking that we cancel with XXXX, XXXX XXXX ( I had just learned that they were involved in the actual contract ), and any other companies involved. I stopped payment being taken out from any companies that I did not recognize through my bank because we were n't using their services. I get a letter from XXXX XXXX about an amount owed. I called back and told them that it was cancelled due to non-performance and misrepresentation. They said that it was impossible to cancel. I was reported to the credit bureaus for non payment on personal and business and chased down by Hunter Warfield for the remainder balance for a service that was misrepresented and lied about in writing. I need this to be taken off of my credit report and debt forgotten.
I received a loan from XXXX XXXX, my account was given to Navient and they do not do forbearance andit very hard for me due to my financial status.
I had an end of auto lease obligation to pay XXXX XXXX XXXX XXXX back in XXXX 2015. I contacted XXXX via mail and let them know I was out of work and I could pay small monthly payments until the account was paid in full. Without waiting for a response I started paying XXXX {$25.00} a month, sometimes more if I could afford it. They took my payments and applied them towards my account reducing the principal ( {$1000.00} ) and sent me updated statements with the remaining balance. Yesterday, XXXX XXXX, 2015, I received a letter from Vital Recovery Services LLC, a debt collection agency that required a payment for the alleged debt I owed XXXX. The principal amount was also wrong. Obviously, despite the fact that I keep making monthly payments that I can barely afford, XXXX XXXX XXXX XXXX hired a collection agency while at the same time taking payments from me. This is not a legal action. They can not sell the account to collection agency when I keep making payments and they take my payments. My account is not in default. This will hurt my credit that I am trying to revive while I am looking for a job. XXXX refuses to work with me on this for whatever reasons. I will not pay the full amount to the collection agency because I can not. It is in XXXX best interest to take my monthly payments and get it over with rather than losing the entire money because of poor company practice of handling debt. I know I have a responsibility to pay, and I am very willing to pay it off, but I can not be put under pressure to do so when I am working very hard to maintain monthly payments and find a job so I could pay it off at once and never deal with XXXX again. XXXX of companies work with you on this, they assist you with monthly payments ; however, XXXX does n't train its associates to work with people who have financial hardship and need assistance. Please help me with this issue.
Hello, During XXXX I submitted my final payment to complete the loan rehabilitation program. I received a letter from the Department of Education that requests all credit bureaus to update any student loan account with negative information ( including default status and late payments ) to bring the account current. I submitted the letter from Dept. of Ed via fax to XXXX special handling department on XXXX XXXX, 2016 requesting for them to remove the account and/or negative information that is damaging my XXXX score. I was unaware that this request would go through the normal dispute channels and be actually handled like a dispute. XXXX has complied and removed the accounts from my credit profile ; however, XXXX confirmed on Tuesday, XXXX XXXX that their XXXX system verified that all information was correct with the account. This is n't the correct process to verify account information that is reporting inaccurately. The electronic system can not read the letter that was sent to verify inaccurate information reporting. The new loan servicer is now reporting to the bureaus and has updated their account status as well. 
I received an alert today stating that a recent delinquent account was reported to my profile. The account was from Ed Financial showing a recent delinquent account as of this month and is reporting incorrectly and should be removed. My score is suffering because of an erroneous update to the account due to the electronic dispute system that did n't verify account information accurately. 
I would like a resolution to this error immediately. I 've waited a full month since the account was placed in dispute status involuntarily. 
Thank you, XXXX
i called in to the company on XXXX XXXX, XXXX about XXXX cst in good faith to have these inquiries removed that happened during the breach/glitch with in the company around XXXX XXXX XXXX, first speaking with a XXXX XXXX XXXXho cut me off immediately to let me know he could not help me and i then asked to speak with a supervisor who also did n't event me finish speaking about the issue. This glitch was not my problem it was transunion and I 'm also away that it is illegal to run someones credit without authorization from the person or re-add an inquiry with out a 5 day written notice!