WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed with Equifax because a company did not report monthly to update my account balance. I received my updated credit dispute results dated XX/XX/18 indicating there is still a balance on the stated account. I contacted the company to let them know that for some strange reason they continue to report the balance despite my screen shot of the account demonstrating a {$0.00} balance, and documented payment ( hoping for their cooperation in accurate reporting ). I'm waiting to hear back from them, but they already said to dispute, which I already did. In XXXX, my Equifax showed a {$0.00} balance so I thought the dispute was resolved by then but somehow on XX/XX/18 the dispute was finalized and updated with a balance of over {$530.00}. I have multiple forms of documentation indicating a XXXX balance, yet Equifax continues to report a balance. Further, XXXX XXXX took my documentation and reflected the balance to be XXXX which is accurate.
On XXXX XXXX, 2016, there is a charge of {$780.00} taken out of my account, paid to XXXX. I figured out that my boyfriend at the time had taken my debit card number and paid his past due cable bill with it. So I called up bluebird AmEx and told them what happened and disputed the charge. I was issued a conditional credit for {$680.00}, {$100.00} less the total charge, in XXXX 2016. I was received an email and uploaded forms they asked for. Then I never heard anything from them, until on XXXX XXXX, 2016 when I noticed they reversed the provisional credit and sucked out all the money I had in the account and then some. I called them and they said the reason they reversed it is because they needed me to send them a copy of the receipt from the disputed transaction. How could I send them a receipt I do n't have, and why would I have a receipt for a transaction that I never authorized. They did n't even try contacting the merchant to my knowledge and I have tried numerous times resubmitting the dispute and it has been like banging my head against the wall. The last time I called in they resubmitted a new dispute but I was told that I needed to send in s copy of his bill to prove it was not in my name nor service to my address. I said I did n't have access to that and they told me to call or have a male friend call XXXX pretending to be my ex boyfriend and get a copy. I was not doing that for obvious reasons but also that would n't make a difference because I am sure they would just send the copy to his address on file which I do not live there or get his mail. In any event they are just giving me the run around now and the account is negative months now and checks have bounced etc. Because they never informed me of the credit reversal or any information the entire time and also on their website I was reading the dispute terms and conditions and it says that they will contact, merchant and fight your dispute as any other major credit card etc. and clearly they have done no such thing. I hope this agency will be able to assist me in getting my {$780.00} back that I have been out for the past few month. Thank you for your time and anticipated cooperation regarding this matter.
I have no debt and never had debt. Nonetheless, Portfolio Recovery Associates, LLC, keeps calling me everyday on my cell phone about somebody else 's debt. I do not know who this person is either, and telling them to take my phone off their robocalls has had no effect.
Unauthorized inquiry appeared on my equifax credit report by XXXX XXXX XXXX on the XXXX of XXXX, 2015.
I received a trial modification agreement where the taxes and hazard insurance for escrow is incorrect. The correct amount for the annual hazard insurance, the monthly escrow is {$100.00} and the annual property tax, the monthly escrow is {$180.00}. I asked Penny Mac to correct the monthly escrow amount to reflect the correct amount which will lower my monthly mortgage payment. They want me to sign the modification documents on an agreement that is not correct and if I sign that is agreeing to an incorrect escrow payment. 


Hazard Insurance annual premium {$1200.00} divided by 12 equals {$100.00} XXXX XXXX XXXX County Trustee {$2200.00} divided by 12 equals {$180.00}
been disputing fraudulant charges that were made on a macy 's acct i used to have. I 've contacted macys numerous times to report this. i filled out the required fraud information they finally sent me and i received a letter about a week later stating they investigated my claim and confirmed that the acct belongs to me and if i have any further questions to contact them at XXXX. I called them and was transferred 3 times before I was connected to a collection agency. I was also provided the number. XXXX. I was transferred and the person who answered the phone it was his home number. He advised me he keeps getting calls from people but it is his home number. I went over the number with him that I was provided and the gentlemen confirmed that is indeed his home number for 16 years. I am getting the run around from macy 's and now this acct is in collection. I made XXXX purchase with them back in 2014. When I noticed this on my credit reports I immediately attempted to contact them but they keep pushing me around and this is affecting my credit. I am furious with macy 's at this point and next I am going to obtain legal advise if this issue is not resolved. My time put into this is ridicilous and giving me someone 's home number saying that 's the number to the collection agency? Ridicilous
Colorado XXXX XXXX XXXX requested a garnishment judgement on a time-barred debt. The credit card debt is from XX/XX/XXXX they filed a law suit for garnishment of my wages on XX/XX/XXXX past the statue of limitations of 10 years. I contacted the General Sessions Court-Civil Division in the State of XXXX. They indicated that the Law offices representing XXXX XXXX did not request an extension on the Judgment therefore they did not have grounds to file a judgment for garnishment.The original judgement was in the State of Tn they requested a foreign judgment in XXXX State. I was never notified of this law suit so that I could file an objection. The notice that they sent was sent to an address in XXXX State I did not and do not live there. I was never served so that I could appear in court. They received a default judgement for a debt that was too old to collect on. I do not believe this debt is mine so I contacted the Law offices to get validation of the debt on XXXX I still have not received debt validation. I believe this was a case of identity theft.
FAILED TO PROVIDE PROOF OF CLAIM : ORIGINAL PROMISSORY NOTE WITH SIGNATURES. Please provide me with the documents I have requested and a detailed answer to each of my questions within the required lawful time frame. Upon receipt of the documents and answers, an exam and audit will be conducted that may lead to a further document request and answers to questions under an additional QWR letter. PLEASE ENSURE THAT ALL RESPONSES ARE IDENTIFIED AND REFRENCED FOR EACH ITEM and/or POINT OF REPRESENTMENT OF FACT. 

Copies of this Qualified Written Request, Validation of Debt, TlLA and request for accounting and legal records, Dispute of Debt letter are being sent to FTC, HUD, Thrift Supervision, all relevant state and federal regulators ; and other consumer advocates ; and my Congressman within 30 days. 


It is my sincere hope that you answer this RESPA REQUEST in accordance with law and the questions, documents and validation of debt to the " XXXX '' are correct and any abuse ( s ) or scheme ( s ) uncovered and thoroughly documented.
I upgraded my Gold card to a platinum card by using the offer I received in the mail which was for XXXX reward points. I had a RSVP code of XXXX XXXX XXXX XXXX and a call in code of XXXX. I called in to make the upgrade and was assured that the reward points would be applied. You can imagine my surprise weeks later when the points were still not credited to the account. I called in and opened a case and they have not resolved it after 8+ weeks. They said that they can not find a copy of the letter that they sent me with that offer code. thankfully I have it ( and uploaded it and the name of the rep I spoke with and their extension number ) that links that code to me. This is unacceptable. Clearly a bait and switch. I remember seeing online the promotion for XXXX points if you upgraded as well. It should NEVER take 8 weeks for them to fix their mistake and four calls to supervisors to inquire as to the status and to fix their mistake. 

There are dozens of similar stories online about reward points just magically never getting credited to peoples accounts and the struggle with Amex to get it fixed. Someone needs to hold this company accountable for their business practices.
While in the process of getting a loan to purchase a house, I was informed that I have a Chase credit card on my name, which is in delinquency and I was reported in the credit bureau. I never opened such card or had any knowledge about it. I called Chase to find out more information. They told me that they were going to assign the case to a fraud investigator and they were canceling the account. It was clear in that conversation that the card was not opened by me and it could be identity theft. I was told that I would receive some paperwork by mail in max 7 days in order for me to sign and return and they will continue with the investigation. Upon my request, a supervisor was able to tell me that they will send a written communication by was stating that the account was closed and an investigation was being started. Almost a month had past and I have not received anything. I called again and asked for some proof of cancellation and the initiation of the investigation. I need that so I can provide it to the Bank where I am processing the loan for my home. I had to speak with many people again, explained the situation. I was transfer to a messaging service of the investigator assigned which is on leave for three weeks and you can not even leave messages. Called again and asked CHASE again for a communication in writing about the status, that the card has been canceled/closed and the investigation is in process. After almost two hours and transfer to many people and departments, they say they can not provide anything. They even said this time that no information is being sent by mail or fax. My credit is affected and I am only requesting a letter stating the status of the account. Nobody in CHASE take responsibility of informing a customer in writing the status of the situation.
XXXX XXXX, 2016 US Bank XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear Sir, You are threatening me with being blacklisted with XXXX. This will prevent me from obtaining a bank account with 80 % to 90 % of the banks in the United States for 7 years which will be further victimization of me by US Bank. I will be XXXX XXXX XXXX before I can obtain a bank account. You do this to me for circumstances beyond my control! 

US Bank told me online that {$5000.00} was available so I withdrew it. I had no prior knowledge that the check was no good. This looks like entrapment. Bait and switch! 

I have talked to the Fraud XXXX at XXXX and the XXXX XXXX XXXX at XXXX and they will not listen to a thing I have to say. They just emphasize and re-emphasize the fact that my account is closed and " It will not be reopened ''! " This decision is final and I will cut you off if you keep talking ''! 

The bank has no sympathy, empathy, compassion, or mercy in this case. It is the XXXX XXXX " Guilty until proven innocent ''. Only there is no innocent in this case only guilt! Fraud means intent to deceive using false pretenses. Well show me my false pretenses please? Fraud is a felony depending on the amount of the funds involved I do believe. It is my understanding that intent has to be proven. Where is the intent in this case? Why is the bank so abruptly cold, hard, harsh, and draconian? It is as if I was trying to rob the bank by design. Is this how you treat all of your customers when activities beyond their control take place? I am being treated like a criminal through no fault of my own. Now my VA pension deposits will not be in my hands until the end of XXXX, if not later, because you have frozen my account and I can not have access to these funds which are Federal Property until they are in my hands. Granted you will take out sufficient funds to pay the overdraft this is a given. Why am I being criminalized by the bank for the actions of another? I am a poor XXXX XXXX XXXX with a leg missing and living on a fixed income. This action on the part of the bank is shocking to say the least. The US Bank is telling me I have no recourse. Perhaps I should post this on XXXX and call the local TV stations? I was victimized by the depositor and now I am further victimized by the bank. I did not sign up for this treatment. I have acted in good faith ; the depositor did not, for an unknown reason. Now the US Bank is acting in bad faith!
I went to XXXX in XXXX with hopes of starting a brighter future and while I was finally able to land a job in the XXXX they almost laughed during my interview when I told them I went to XXXX. My personal experience and own certifications landed me a job not the " education '' received at XXXX. What 's worse even though I was told I could later continue my education at another University I later found out that these credits were non-transferable! So everything they promised and told me and everything they " did n't '' tell me has hurt me and not helps. Also, thanks to Peaks private loans I started with a balance of {$21000.00} in private loans ( not to mention federal ) I have paid well over {$8000.00} and somehow still owe {$20000.00}. I feel ripped off and now feel like prisoner to debt.
I have disputed a couple times, this is an unknown account listed on my credit file. Requested validation and nothing has been received. Inaccurate information against me
XX/XX/XXXX I My home was valued at {$550000.00}. I applied w WellsFargo for a ReverseMortgage. I went through counseling and completed all documents I thought I had a line of credit on my home balance {$290000.00}. When the loan processed and final docs showed line of credit I asked where was the money I was told we were n't eligible for any money/line of credit. I asked where was the line of credit accrued and used they said that was just a control number that I did n't have any equity credit. I have repeatedly asked to speak to legal XXXX for an explanation. DISCOVERY came recently when I tried to Refi my reverse mortgage and three lenders asked me how I got a reverse with " that much equity '' and no line of credit or cash out. I also did not know I was n't given final money disclosure doc until " a lender '' looked at my WF docs and I did n't know specific info. Now I recently went forward to again attempt to Refi and 30 days after WF notified me my ReverseM was being transferred to another lender. 
PROBLEM if reverse mortgages can not be granted unless ( as a lender explained to me recently ) the home owner benefits from RM how did WellsFargo write me a RM on an appraised {$540000.00} house w balance {$230000.00} but I did not get any financial benefits. We were ages XXXX/XXXX.
Costco sold their XXXX XXXX credit card to Citibank. We did not want a Citibank card so we changed our XXXX XXXX card to a different account. We did not request or authorize Citibank to issue us a card or account but apparently they did it any way. We never received the cards. Instead we received a bill for an unauthorized charge by XXXX auto club. We noted that XXXX also sent an unauthorized charge to our XXXX XXXX. We contacted XXXX, they refunded their charge to our XXXX XXXX. We contacted Citibank about the duplicate charge and they investigated and agreed that it was a duplicate unauthorized charge. After multiple and multiple phone calls, Citibank still has not removed the duplicate charge. We assumed that it was taken care of when statements stopped coming, but now suddenly a statement comes in the mail after months of not being received in the mail telling us that the account is past due with absurd late charges. WE DID NOT REQUEST A CITIBANK CREDIT CARD AND DID NOT AUTHORIZE XXXX TO MAKE A CHARGE TO THE ACCOUNT. WE NEVER RECEIVED THE CARDS AND NEVER HAVE USED THE ACCOUNT. CITIBANK WAS TOLD TO CLOSE THE ACCOUNT AND REMOVE THE DUPLICATE CHARGE ON MULIPLE OCCASIONS, BUT THIS HAS NOT BEEN DONE. NOW OUR CREDIT REPORT IS SHOWING LATE PAYMENTS FOR AN ACCOUNT AND CHARGE THAT WAS NEVER AUTHORIZED OR USED.
Supposed to get payment from XXXX XXXX  Western Union since I have been a customer from XX/XX/2011 to now and have received nothing from them, how do I get my refund??? 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Tx. XXXX XXXX
On X/X/17 I disputed with the credit bureau Equifax information on my report that was incorrect. The inquires that I disputed were not authorized by me and I wanted them off of my report. Inquires disputed were ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ). Equifax failed to remove the negative inquires that were on my report stating they were authorized. I contacted the original creditors listed but they failed to assist me and one of which is shut down ( XXXX XXXX XXXX ) do to fraudulent activity I could not contact. These inquires are hurting my report and I need them removed. I have a Fraud Alert placed on my report because of companies like these appearing on my report.
I fully paid the loan and XXXX continued to try to collect more money. They have now sold my information to Nationwide Debt Management Solutions. I advised NDMS that I had paid the loan ( {$3000.00} for an {$800.00} loan before I closed my account ) and not to call me. They are calling me at work and I am going to lose my job if they do not stop. Today they faxed over and employment verification with my social security number on it to a fax machine that everyone in the entire company has access to.
I opened BOA checking account 8 years ago. That is e-checking account, means no fees as long as I am not using branch. Recently I was checking my BOA account and realized there is monthly XXXX dollar service fee charged from my account. I contacted BOA and they were saying they informed me by XX/XX/2017. I searched all my emails from BOA, none of them mentioned about there is additional fee charging. The customer service mentioned the notice is in statement. How should I open the statement everytime? And the notice is on the second page of PDF file. there is even no sign mentioned there is very important change/fee to my account. I argued with them, they said BOA is always like that to customer. I want my money back ( {$67.00} ). this amount money is small. But the way they inform customers is awful and they feel proud about their way. It is definitely need some regulation for this type of move from BOA. 
There is no obviously sign/indicator to let customer know the potential charge. I ask CFPB to investigate this.
Beginning on   X/X/17  a  nd two other sub sequent times, Bank of America prepared loan documents requesting my husband sign documents when he was not on the mortgage application. When I brought the error to Bank of America 's attention, I was told that this was their practice and that my husband needed to sign on the note. When I continued to question this practice, I was told that this was correct and I needed to sign loan documents with my husband on the note even though he was not a borrower. After pushing back, I was told they would correct the documents ; however, af ter 2 other at tempts to sign loan documents, Bank of America failed to properly correct the loan documents. Afte r 3 faile d attempts to sign loan documents, with the incorrect borrowers being named, I decided to cancel the transaction. The stress in dealing with this caused me to miss 3 days from work. In speaking with a supervisor 's supervisor,  XXXX   XXXX , on   XX/XX/XXXX  I  was told that they would refund my appraisal fee for the inconvenience caused. T  oday,  XX/XX/XXXX , I was told they will not.
I wonder how many other borr  owers Bank of America has misguided into signing incorrect loan documents.
Quicken Loans ( now doing business as Rocket Mortgage ) did hard pulls on my credit information ( multiple times ) without my consent.

We are on our 3rd loan with the company. After the loss of a job, they were sending information saying they might be able to save us money on our mortgage. We responded with a phone call. On the phone, I was very clear that I was only checking in and that I was not sure their selections would save us any money since we already had a good rate.

I was also clear that I did not want them to pull a hard credit inquiry. I was told they would not do this because we already had an existing loan and quite a long record with them.

Not only did they pull a credit report, they pulled a 2nd report 2 months later. Neither was authorized in any way. They had asked me ( by email ) to go to their website and fill out an " intent to proceed, '' which I did not do because we decided against the refinancing.

When I checked my credit report I contacted the company about these pulls because of the conversation where I was told there would be no credit pull. The VP of the company said their recorded phone calls did not go back far enough for her to verify that conversation, therefore she could not do anything. I reminded her that it is against the law to pull a report without permission and that, if her records don't go back far enough to verify our conversation, they don't go back far enough for her to verify that her company had permission to do these pulls.

Her stance is that, based on the phone call, I gave implicit permission. I did not.
XXXX XXXX 2016 -- XXXX YOUR COMPANY ( ANNUAL CREDIT REPORT ) PRACTICES FRAUD eg. XXXX GAVE NO FREE REPORT ; must call or send info. Experian GAVE NO FREE REPORT ; must call or send info. and XXXX GAVE NO FREE REPORT. IN FACT CHARGES XXXX AND CHARGES MORE IF THE SERVICE THEY GIVE IS NOT CANCELLED. YET THEY DID NOT ACCEPT MY CHARGE CARD.
The supported company " Equitable Acceptance Corporation ( EAC ) '' is a fraudulent company that has taken my personal and highly secretive information ( such as name, address, bank info, SSN, etc ) and used it for fraudulent purposes without my permission. They claim to forgive student loans in 3 years if you pay {$49.00} a month to them to consolidate your loans. Meaning after 3 years all your loans will be totally be wiped clean. NOTE : Loan consolidation can be done for free by the person taking out the loan. The information on the contract is incorrect and the information in which the Student Advisors for this company put on my credit line is false. The Terms of agreement are false and all affiliation with EAC should be cancelled. Upon contacting the USA Department of Education, they have never heard of this company and advised that it is more likely a scam to fraud student out of money. NO LOAN CAN BE FORGIVEN IN 3 YEARS. The EAC consciously obtained my information to commit fraudulent acts and have now attacked my credit with an account that was opened on false pretenses. The account in which they ran against my credit is not even a loan, it is addressed as a credit card. If trying to pay back my student loans were not hard enough it has become increasingly challenging now that I have to worry about identity theft. Please help me dispute this activity on my credit and report this company as fraudulent. I did not agree for them to use my information to pay them and not forgive me student debt. 

In attempts to call and cancel with EAC, no one ever answers. However, when receiving calls from them, they harass you. They told me I could not cancel and that they already ran my credit. It is hard to see people of this nature taking advantage of those trying hard to live a good life. I have currently disputed this with both XXXX and XXXX in hopes of removing it from my credit because it is hurting me and my credit ; also to report this company so this does not happen to any other struggling people or families.