WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I signed a digital contract with Equitable Acceptance Corporation ( also known as XXXX XXXX XXXX XXXX ) to pay them a specified amount ( $ XXXX/ month ) for a total financed amount of {$1300.00} over the course of 3 years for services rendered by The Student Loan Relief Department for student loan debt reconsolidation. After calling multiple numbers provided for different departments for both The Student Loan Relief Department and Equitable Acceptance Corporation ( also known as XXXX XXXX XXXX XXXX ) since XX/XX/XXXX I have not been able to reach anyone. Student Loan Relief Department : XXXX XXXX, Enrollment Advisor, XXXX, XXXXXXXXXXXX Student Loan Relief Department : XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX Department : XXXX XXXX, Quality Assurance Manager, XXXX, XXXXXXXXXXXX Student Loan Relief Department : XXXX XXXX, Client Services, XXXX, XXXXXXXXXXXX Student Loan Relief Department : XXXX XXXX, Enrollment Account Specialist, ( XXXX ) XXXX, XXXXXXXXXXXX XXXX of the numbers that I was provided for The Student Loan Relief Department has since been changed to that of a department store. When I call the number on their website it will ring and then the call is ended. In XX/XX/XXXX I was alerted by my credit monitoring agency that my credit score had dropped a significant amount because I was not notified that my required repayment period had begun 90 days prior and I was never notified via telephone, e-mail or US mail, despite efforts to contact these companies prior to my credit score dropping. I contacted my original loan servicer, Fed Loan Servicing, at which time they notified me that Student Loan Relief Department changed all of my passwords and usernames for my profile. I did not give them permission to access, nor changed my account with my original loan servicer. I was finally able to get into contact with XXXX XXXX ( XXXX ) at Equitable Acceptance Corporation ( also known as XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. I requested that my account be cancelled because the promised services were not rendered ( student loan debt consolidation & public service loan forgiveness document preparation ). At this time I was told that a manager would contact me. On XX/XX/XXXX I called XXXX XXXX direct line and I have not been able to contact him since. To date, I have paid this company Equitable Acceptance Corporation ( also known as XXXX XXXX XXXX XXXX ) {$190.00} for services that they are not providing. I have since removed my bank account from their website so that they can not debit any money. I know that this will eventually end in my credit score being affected yet again because of missed payments.
There is hard inquiries on my credit report that were fraudulently done and there is old collections accounts that I disputed forever ago that either do not belong to me or the accounts were charged off at the end/beginning of new year.
I have Chase Bank as my Bank.I a bill with a check for that insitution, I called the bank to inform them if they could reserach the check i wrote for the amount of {$88.00}, becuase i could n't recall what it was for or to whom it was written out too.Their representive informed me that they would do that, and call me back as what they found out.They also stated that i file a claim, so i asked them to please do so, and get back in toch with me.Instead they put a stop to the check, while all along i though the check went thru to whom i wrote the check too.Well i found out thru the company that the wrote the check to, had charge me a {$50.00} return fee because the bank had put a stop on the check. I never authorized the bank to put a stop on the check, just to research the claim.So i ask the bank to please reinburst me for the {$50.00} that i was charge, because they put a stop on the check.I WAS TOLD NO, by there customer service rep. would you for you to please research my complaint.
Collector is saying I owe XXXX form XX/XX/XXXX, its XX/XX/XXXX now. Its a balance of {$170.00} and they I have told them I have paid off this amount back in XX/XX/XXXX, they keep calling and saying need to pay, I need to pay.
I co-signed for a auto loan for my daughter XXXX with suntrust bank. Then approximately 2 years went by and I was trying to get a mortgage to buy a home through another bank, and when they checked my credit I had a bad score because of a late payment filed by sun trust bank. Sun trust bank did not contact me to order me to make the payment. If so I would have promptly paid them. They put out a damaging report however as if they had.
COMPLAINT : CLIENT : XXXX XXXX CAPITAL ONE : CREDIT CARD : XXXX LAST 4 OF SOCIAL : XXXX I SPOKE TO CAPITAL ONE ABOUT A MEMBERSHIP FEE OF {$29.00} THAT IS WAIVED FOR OTHER CLIENTS AND NOT ME : I SPOKE ON XX/XX/XXXX TO THESE EMPLOYEES 1. XXXX : EMPLOYEE # XXXX XXXX. XXXX : EMPLOYEE # XXXX 3.XXXX : EMPLOYEE : I EMAILED THE CEO : XXXX XXXX AS THESE EMPLOYEES WOULD NOT GIVE ME HIS NAME, HIS EMAIL XXXX OR THE CEO 'S PHONE NUMBER : WHY WAS THIS HIDDEN AS A PROFESSIONAL REALTOR, MY TIME IS WORTH {$200.00} PER HOUR. WHAT IS THE CEO 'S TIME WORTH : HERE IS WHAT XXXX SAID TO ME 1. XXXX XXXX, WE ARE WAIVING SOME MEMBERSHIP FEES OF {$29.00} BUT NOT YOURS. WHY? 
THIS IS NOT VIOLATING YOUR RIGHTS. 
YOU CAN NOT FILE A COMPLAINT AGAINST US FOR WAIVING ONE CLIENTS FEES AND NOT YOURS.

2. PLEASE ADVISE : HOW MANY CLIENTS OF CAP ONE ARE GETTING THE {$29.00} FEE WAIVED? 
ARE THE 40 MILLION CITIZENS IN CAL BEING ABUSED? 
ARE THE 12 MILLION IN XXXX XXXX COUNTY BEING ABUSED? 

WHAT LAW ALLOWS CAPITAL ONE TO DISCRIMINATE AGAINST ME? 

THIS CONVERSATION WITH CAPITAL ONE HAD MY PERMISSION TO RECORD IT. I WOULD LIKE THE ENTIRE TRANSCRIPT TO BE SENT TO ME. I AM LOOKING AT RUNNING FOR XXXX XXXX COUNTY SUPERVISORS RACE IN XX/XX/XXXX AND WOULD LIKE TO KNOW IF CAPITAL ONE IS ABUSING 12 MILLION IN XXXX XXXX COUNTY
I am not sure what debt is from. I called company listed on credit report that state they did not report.
Wells Fargo Bank reported a liability of about {$8800.00} on my credit report for XX/XX/XXXX which had already been discharged on my credit report according to XXXX and XXXX credit reports on XX/XX/XXXX for myself, XXXX XXXX, and on XX/XX/XXXX for my wife, XXXX XXXX XXXX on the same reports for her credit. The item has not appeared on both our credit reports since XX/XX/XXXX until it appeared in XX/XX/XXXX without any kind of communication or notice from Wells Fargo. As further evidence that this item was NOT a part of my credit report, in XXXX of XXXX, I applied for and was approved for a VA loan for a house with my wife XXXX as co-borrower and this item was NOT on my ( XXXX XXXX ) nor my wife 's ( XXXX XXXX XXXX ) credit reports which the VA completed through XXXX XXXX, XXXX XXXX, NV, who along with the VA pulled my credit report score in order to determine eligibility for the loan. The loan was approved. This item also DID NOT appear on either my ( XXXX ) or my wife ( XXXX ) credit report when we were co borrowers for a loan on a XXXX XXXX XXXX truck when it was pulled by XXXX XXXX to determine eligibility for the car loan, which was approved in XXXX XXXX. This item also DID NOT appear on either my ( XXXX ) or my wife ( XXXX ) credit reports when we were both co borrowers for a loan for a XXXX XXXX car purchased from XXXX XXXX, XXXX XXXX, NV in XXXX XXXX, a loan which was approved with a reduced interest rate because of my credit and my wife 's credit scores. Furthermore, I have never received any written or oral communication from Wells Fargo bank about this item or its inclusion on my credit report. It appears that the item after being closed in XXXX of XXXX ( XXXX ) and XXXX of XXXX ( XXXX ), both recorded by XXXX/XXXX credit reporting agencies, has been re-added to my credit score after a three year absence from it when it was closed.
I have never resided at the address listed as XXXX XXXX XXXX XXXX, XXXX MS . I helped a fellow government worker move their belongings there as they were in need of assistance to care for their XXXX children while transporting their goods. I need this corrected immediately as I am receiving a bill from a company I did not do any business with. I only stayed with this individual for a month while they got situated working for the XXXX XXXX XXXX. Please delete this line item immediately.
I have notify this collection agency that the debt in question was manufactured my the original creditor and that I am not responsible for the charges. That if they have a case, they should go to court. They would not go to court, but keep on calling me about a debt which I have disputed and have asked them to keep all communications in writing. They went ahead to report this debt to credit agency even though the account remain disputed
I have looked over my credit report and I see several addresses I do not live at listed on my report. My name is XXXX XXXX XXXX The following address are not mine and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX L M XXXX XXXX XXXX # XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX
Mailed Experian dispute 2 times to remove all obsolete out dated personal information on XX/XX/XXXX was the last time I mail it again it is still on my report and they have updated after i requested this. there are 11 old addresss to be removed6 names to be removed,2 phone numbers, spouse remove.empolyers 2 remove. please remove this items on the list I sent you twice it is inaccurate reporting on my credit report XXXX XXXX XXXX remove it its not my account letter enclosed stating this. you Experian I tried calling put you do not take calls so this is my only course of action letters don't seem to work
I have reached out to all the credit breuas and creditors to provide me with validation that the inaccurate information listed below belongs to me. several phone calls, faxes, and letters sent and no response. This is very hard for me to obtain credit and having a negative impact on my future things I am trying to obtain. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
My mortgage company erroneously reported that we were over XXXX days late on our XX/XX/XXXX mortgage payment. To date, we have NEVER been XXXX days late with any of our payments and this accounting error on their par has lowered mine and my husbands credit scores from XXXX down to XXXX because f Ditech 's error. We noticed this error on XX/XX/XXXX and contacted Ditech immediately to report, we called several times, each time getting a different story on how we were to obtain proof that they corrected, and I have emailed them requesting this as well and have yet to receive back up that they have corrected with credit bureau and will not send us a letter or anything stating they made this error and it was corrected with date of correction. My credit score is still XXXX or below due to this error and we are supposed to try to buy a new car since our car lease is up at the end of XX/XX/XXXX. They have also repeatedly charges us incorrect late charges and also XXXX allocated our check we sent for mortgage payment to another amount thus charging us late fees for their error. This time, it did us actual damage to or credit and will not respond with correction for us to use when we go to apply for lease for car. I have attached bank statements that show each payment totaling {$1100.00} per month ( our monthly payment amount ) highlighting the check memo that is printed with each payment that lists month, mortgage, and year on it.
Over a year ago, I signed up for, paid the annual fee for, and canceled, an XXXX XXXX credit card through Barclays bank. When I canceled it, it had a balance of XXXX, and was assured that by the representative at Barclays when I called to cancel. Then recently, I get an email from Barclays about an XXXX XXXX Red MasterCard that had a balance of about {$210.00}. I never signed up for this card. 

At first I thought that I automatically enrolled in the card because of my previous XXXX XXXX card. But even if that is true, I never activated ( or was sent ) the Red card. And besides, I had canceled and closed that account. This account should never have been active. 

Anyway, I call Barclays last week about this supposed balance, and they told me that there was an annual fee that they charged that card in XXXX, and the other fees in the account where late charges for missing the annual fee payment. 

In other words, Barclays was charging a XXXX annual fee to an account that has been canceled and closed, then charging late fees on top of that. It is also concerning that this card opened up under my name automatically, and that I never had to activate the Red card, and that it opened up automatically in a canceled and closed account. 

I called Barclays and they said they XXXX the account, although, a week later, I am still getting emails that my account is past due, which is part of the reason for this complaint. The second, and main reason I am filing the complaint is because I am quite concerned about the damage this has done to my credit score. I would like Barclays to remedy my credit score for the improper negative balance and late fees.
XXXX XXXX  shows a inquire on my credit report XXXX-17 but I never gave them written authorization to run my credit.
I had a credit card debt from XXXX with XXXX XXXX. I was in an XXXX situation resulting in my having XXXX for over 10 years. XXXX XXXX sent the debt to Johnson/Mark Attorneys for collection of the debt. I offered them my whole tax return in XX/XX/XXXX, in the amount of {$1000.00} + dollars, which was twice the amount I owed on the XXXX XXXX acct. Johnson/Mark company refused this to settle the debt. I told them I had a mental health issue also, and please take this offer to settle the account. They said they would only settle for {$2400.00} dollars. They sent me a letter that looked like a legal document from XXXX Court ( XXXX XXXX, Oregon ) where I have not lived since XX/XX/XXXX. They just began to garnish my wages from my new job. I want to stop this garnishment because I suffered from a XXXX for years and did what I could to settle this with them in XX/XX/XXXX. Please call me or let me know if there is anything I can do at this point. I do not have money for an attorney. I live in XXXX, Oregon. Thank you
wells fargo bank are lieing cheeting scum, They say they can not contact me? why, ihave lived XXXX all my life and XXXX bank, wachovia bank, wells fargo bank, have my tel no my email address, they served my court documants by email? yhey have had all my details and proof or paymants cashed into mortgage acount paid i have letters from XXXX bank proof paymants were cashed by wells fargo bank, please answer my question why would wells fargo bank telephone XXXX XXXX XXXX and send letters XXXX XXXX when wells fargo sold the property to a third party on the court steps $ then sold within 1 day over $ XXXX more, wells fargo have not put any sale figures in any coresspondance? i request who it was sold to and how mutch, i also request how many houses this person has purchased of wells fargo bank. please also answer my questions no 1 pickapaymant mortgage why was i not compensated $ court order, no2 forced home owners insurance at 3 times the prev amount $ compesation $ court order no3 Fraudulent forclosure $ court order, no4 overcharging removal of funds escrow acount court order no5 predatory lending 50 % home value $ court order no6, FHA insurance {$12.00} XXXX compensation for fraud and perjury supreme court order, no7 no missed paymants acount in credit also escrow in credit $ wells fargo bank also hold a co signed home insurance damage check {$2500.00} for work i had completed theft, no8, the cfpb have all the information yet i have not tecieved any compensation on any of these court compensarion orders, dosant that ring any bells cfpb what are you going to do for me a consumer or i have been deliberatly miss sold a mortgage and request full compensation for the theft of my property XXXX, please answer my questions and stop bluffing and side tracking i want answers thanks
I had an account with    XXXX   XXXX   back in 2012. This company called Global put money in my account that I did not authorize them to do. When I went to my bank to ask about the deposit I told them I did not authorize this and they sent the money back to the company. They started calling last week and when I did n't call them back they look ed up my mothers name and contacted her illegally. When I confronted them about this they lied and said they did not look up my mother 's number. I have told them not to contact me again or I will file harassment charges against them but they continue to call and harass me.
My loan is with Navient. For the past several moths I 've been having issues getting to my information then found out is was incorrect in their system. My social security number and account number is under someone else 's name and birthday they refuse to help me correct it or and gave me abother number to call but it was automated and could n't get me anywhere. I 'm suppose to make a payment on XX/XX/XXXX but ca n't because I ca n't get into my account but yet when they send me bills my information is correct. Ive also tried to lower my payments because with all my other bills i struggle to come up with that much extra money, but they have told me i have no other options and havent even tried to work with me. Ive even told them that im about to go through a divorce and will be a single mother making uner XXXX a month and they told me there was nothing they could do. I 'm not sure what to do at this point.
MY XXXX rewards master card was charge doff and settled with XXXX, but XXXX converted the card to XXXX XXXX/XXXX XXXX XXXX and sold to XXXX XXXX XXXX XXXX. The account number is XXXX it has been settled and should be reporting a balance of XXXX but still reporting status as a bad debt and in collection on Equifax. The balance is being reported as {$2.00} even though the account has been legally settled. XXXX XXXX XXXX   XXXX.Has reported inaccurate information on my credit report and I want it fixed.This account has been settled on XX/XX/2018 for {$1500.00}. Wrong account status, show it is in collection with a balance when it has been settled and legally paid in full.
On Tuesday, XXXX XXXX, 2015 a bill collector at the number XXXX called me XXXX times between the hours of XXXX and XXXX and would only identify himself as XXXX XXXX or XXXX XXXX. The voice mails stated they have a complaint in their office corresponding to my name, address, and SSN and I have to call them back within XXXX hours to address this complaint or else they will send a process server. When I called back, the agent did not immediately disclose that it was an effort to collect a debt, he was rude when I asked him to get to the point and tell me what they were calling me in reference to. I hung up on him. Then he called back and left my full SSN and DOB on my voicemail and said I have to call him back immediately or I will " be scheduled to appear, '' and failure to do so will result in " further consequences. '' He called again and I when I asked him to stop calling me he talked over me and said that he can send the process server to my job and I need to take care of my business and grow up, before hanging up on me.
XXXX XXXX XXXX IS WRONGFULLY REPORTING ON XXXX, XXXX AND EQUIFAX credit bureau files.An offer to settle the charged off account came in the mail from an agent of XXXX XXXXThe agent accepted XXXX dollars to clear the account debt. ( see letter that arrived after conclusion datedXX/XX/XXXX.The charge offed amount was XXXX dollars.The balance reported afterXX/XX/XXXX should have been 0.Yet they reported XXXX dollars on all 3 reports wrongfully damaging my credit.FCRA DICTATES XXXX DOLLARS STATUTORY DAMAGES FOR THIS DAMAGE.THE WRONGFUL REPORTING OCCURRED AS THE RESULT OF THE malfeasance or fraud of the XXXX  XXXX AGENT, being transmitted to the bureaus after dispute.
I had an account with JPMorgan Chase that was closed due to insufficient fund/cheque activity that was related to fraud/identity theft. I explained this to Chase, because it is showing up in XXXX Reporting as an unsatisfied debt and hindrance to me opening other accounts in other places. Chase conducted an investigation and closed out the balance and account to a XXXX balance ( nothing due and the case considered resolved ). 

I have asked them to update this reporting to XXXX and they, Chase, told me that I could update it directly with XXXX and that it would be resolved and the entry removed. 

I have contacted XXXX SEVERAL times, forwarding the letter from Chase to resolve the issue and remove me out of their system, but when XXXX verifies the letter with Chase, Chase then reports that the debt/balance is still open and not resolved - so XXXX has NO other choice but to keep the entry active on file. 

Chase literally tells me that there is no issue, the problem has been resolved and that XXXX should be contacted to update their records ; Chase, then hypocritically converses with XXXX once I dispute the info and have them contact Chase and says the EXACT opposite to XXXX that it says to me. 

Chase can not legally tell me one thing with a letter and then tell a credit/chequing reporting agency the exact opposite.
Our home was serviced by CHARTER ONE BANK.We paid additional amounts to pay off the loan early.Those amounts not applied properly towards principal reduction. 
The loan was paid off in 2/2011we wrote many letters to them to give us back the amount of {$2500.00}. 
they have not responded at all.
In XX/XX/2018 I received an application form by mail from XXXX XXXX XXXX XXXX XXXX with the promotion of free membership fee for the first year, and XXXX bonus points if I spent at least {$2500.00} in the first 3 months. I decided to open a credit card. However on XX/XX/2018 I was charged {$95.00} for membership fee. I called customer service representatives on XX/XX/XXXX, and was transferred to a manager name XXXX  ( ID # XXXX ). I was told that my account will be credited {$95.00} in 2 to 3 billing cycle. In XX/XX/XXXX the charge was credited but my account was closed and all my accumulative points were deleted. I called and talked to a manager name XXXX ( ID # XXXX ), she was very rude and unfriendly. She told me that the bank had the right to close customer accounts any time without notices.
I disputed the late payments reported on XXXX XXXX XXXX XXXX XXXX. XXXX  and Transunion never reversed them ... They did not even send me any proof as to why they will not correct it.. Please take care of this error and remove the late payment CFPB