WillisBack/dataset-financial-user-claim huggingface dataset:
I was told on the phone from Chase by XXXX on XX/XX/XXXX XXXX that transferring my credit line from one card to another world NOT pull my credit or go on my credit report. I am now seeing that on my credit report and I think it should be removed. I received false information
AR Resources is a third party collection agency and has no legal right to make entries on my credit report for this alleged debt. After research AR Resources does not possess the proper documentation, or legal authority to collect, or make entries to my credit report for this alleged debt.
I entrusted Coinbase with {$34000.00} to do as they advertised : allow me to buy and sell bitcoin. Over a month ago, they locked my account from buying and selling bitcoin, and I could not cash out when the price went up. Now, I have lost over {$20000.00} from price drops and no reason was given other than a few days ago, when they finally assured me that my account was unlocked. They claimed they locked my account because I did not send my articles of incorporation when emailed about it by a team member, even though my account was initially approved for the first few months of use without any trouble. I have not broken any of their terms of service, and access to MY MONEY was stripped from me and still is, even though they said they unlocked my account. IT IS STILL RESTRICTED FROM SELLING MY OWN COIN. Coinbase is a scam company and should be avoided at all costs. I have no choice other than to file a lawsuit at this stage as I was not able to get access to my money when I needed it and have lost XXXX XXXX dollars and increasing in value, also due to other business troubles because I do not having my money when I need it immediately. These frauds should not be in business and I will be compensated for all losses and then some. I recommend that anyone else having problems with these scam artists find a lawyer who will work pro bono.
I had co-signed for someone XXXX XXXX mother company XXXX   XXXX auto they both showing I owe them after sale is not fair how could both company 's claim same thing thank you XXXX
I have never been contacted by SCA COLLECTIONS. However, they appear on my credit and I do n't owe them. I have never been contacted nor has this unknown account been validated. I have contacted them 5 five times. They continue to ignore me and report the erroneous account on my credit. I have also filed a complaint with the AG office.
NETCREDIT made false statements to cfpb. I suspect impersonation. The ID thief who had been in frenzy of insider trading with the company is at large. The ID thief might be XXXX XXXX.
Contacted Equifax, XXXX & XXXX regarding unauthorized inquires on my credit report from XXXX. Transunion removed immediately. XXXX removed XXXX. Equifax stated I have to contact XXXX directly for removal if I consider inquiries fraudulent. Sent letter to XXXX as directed. XXXX responded stating I have extended alert on my credit file but no response regarding removal. Sent letter response to Equifax and Experian and still refuse to remove. Sent additional letter to XXXX. No Response to date.
In regards of Ditech LLC Mortgage servicer Above agency have claimed its jurisdiction over default mortgage loan XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2016 assigned from XXXX In its process Ditech has demand immediately payment of full dept and keep reporting purported dept to all Credit Bureaus regardless to my dispute and dept validation request. In its respond dept validation request Ditech serve me its " validation package documents '' full of multi copy of same documents with not my authorize signature and foremost no security instrument include therein. In this period of time XX/XX/2016 thru-XX/XX/2016 Ditech has also presented them self as rightful assignees of XXXX contrary to its own deed/assignment produced over 3 months later XX/XX/2016. After that time-line Ditech start over its deceptive practice with exact respond and non professional/ignorant conduct dishonor and disregard all my notice of error and request of correction and/or address the issue. During the whole time Ditech also keep change its account agent individuals with valid phone number however none existing and/or unreachable extension number. On XX/XX/XXXX Ditech has produce HAMP/Modification Trial Plan on its own with no my consent and/or request and/or application submitted therein, which is fraud by inducement.
My correct name is XXXX XXXX XXXX XXXX, not XXXX or XXXX. I never lived in Massachusetts just in XXXX XXXX and XXXXXXXX XXXX. My current correct address is XXXX XXXX XXXX, XXXX, XXXX. XXXX My current employer is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX ( XXXX ) XXXX. My current correct Phone number is ( XXXX ) XXXX. Please make proper adjustments to all credit bureaus. Thank you.
My card was lost and there were fraudulent charges. They did a temp refund while they " investigated '' 3 days later I receive a letter saying they are reversing the refund. And are saying I owe {$250.00}. The charges were not made from me. The rep advised there was no need to file a police report as the only thing missing was the card and they had issued a new card.
Refinanced my XXXX XXXX XXXX HELOC on XXXX XXXX with PNC. XXXX XXXX XXXX informed me of a missing XXXX payment. I followed up with boA and explained it was refinanced in XXXX and paid in full and as a result no XXXX payment is due. XXXX  informed me that they received the payoff check from PNC and it was {$100.00} XXXX est ) short so they returned the check to PNC on XXXX XXXX. I called PNC, XXXX the supervisor of the LO I worked with ( XXXX XXXX NMLS # XXXX ) apologized and took full responsibility of the error because she confirmed that she can see in XXXX 's email that the Check was returned and " unlike XXXX 's usual work practices '', XXXX failed to follow up or address the issue and ignored it. XXXX apologized profusely and told me she can not help me get XXXX to reverse the XXXX on my credit report but that she would give me an additional .25 % off my interest rate. I called XXXX and was ensured that due to the mishap, no XXXX would be submitted to the credit bureaus with my promise to pay. On XXXX XXXX I started receiving emails from XXXX that my credit report now had a XXXX. As a consumer I did my part and my credit score is being affected due to the errors of other i.e. PNC Bank. Please help me get this late payment removed from my credit report as it was clearly not my error but the error of a financial institution who was negligent in their normal course of business. In speaking with XXXX, she assured me that PNC takes full responsibility for the error. I also spoke to XXXX XXXX XXXX XXXX direct ) in the escalation department on XXXX XXXX. As of XXXX XXXX, XXXX XXXX has yet to respond to an email or voice mail of mine.
Someone had fraudulently opened a personal loan in my name at XXXX XXXX, strictly an online facility. I filed a fraud report with the Federal Trade Commission, XXXX, XXXX and Equifax. XXXX XXXX had me on hold for 4 hours while waiting for their consumer affairs department. After hour 6, a  recording came on saying the phone call was out of normal business hours and to call during those hours. I called the next day at XXXX mountain time. Customer Service connected me to the Consumer Affairs where XXXX took my information and put me on hold for another 3 hours. Finally another individual picked up but would not tell me her name. She finally finished getting my information and told me they do n't send the forms out for 48 hours and that I have 4 days to get the form back to them with a police report number. Day 2 and I have not received any form or correspondence from XXXX XXXX. XXXX Ut Police Department has 230 cases of fraudulent activities from this company. They wo n't except the fraud forms and take the victim of fraud to collections for a loan they did not request. This company is fake, actively seeking anyone for their personal information.
OnXXXX 2016, my Mercedes Benz lease was transferred over to someone else. I received all the letters from MBFS saying that the process has been finished. After numerous times talking with MBFS they agreed to remove the account from my credit report, it has been removed from my XXXX credit report but it still shows as open with XXXX, i have not been able to force XXXX to remove it because MBFS simply does n't respond.
I was not given the proper 45 day notice for hiking my credit card interest rate on existing balances on my credit card. I received the notice in the mail on XXXX XXXX for a rate hike on XXXX XXXX. I also received no notice in writing for a prior late payment hike. I have never been over 60 days late. Unfortunately, I was two days late on two payments in the past three months.
I spoke with XXXX XXXX and the branch assistant manager and various people at Key Bank customer service, they werent able to provide further information on how to dispute the charge on my key privilege checking account. They just stated to contact the company and ask for a supervisor, at the XXXX XXXX branch, which is the current primary branch listed on the account.
XXXX XXXX credit card ( XXXX ) has contacted people with the same last name as myself and left messages with them to find/call me XX/XX/2018. They have also violated tcpa by auto dialing my sons cell phone on numerous occasions in XX/XX/XXXX and XX/XX/XXXX. This matter does not have anything to do with anyone else. They are giving out personal information to third parties.
On XXXX XXXX 2015 I was interviewed online by a recruiter pretending to hire for a company named : XXXX XXXX XXXX based in XXXX. The job according to the job posting would consist of Data entry from home and I was directed to expect a {$2600.00} check to buy equipment for the job. The next day the check arrived at my door by express mail, I dropped it to my bank by ATM the same day but afterward I realized that the name of the company was not mentioned on the check ; I connected online with the recruiter and asked what the procedure would be after I receive the money. She said to me that I should withdraw the money and direct deposit it in another account Than I realized I was in a middle of a scam, right away I called the Bank asking if they could withdraw that check from the ATM machine and they said to me that they do not have access to the ATM system, I should wait for the operation to go through and then meet them after the check is processed, which I did on the XXXX of XXXX after the position of my account was updated with the amount of the check. The same day I went the Suntrust XXXX Branch and and the officer confirmed to me that the check is in fact a fraud. I asked her to put a hold on my account and return the money immediately. She advised me to open another account as the previous one was compromised. I followed her advice and deposited {$100.00} in the new account. She told me that the new account will be connected to my check card since the old account will be frozen till the procedure is completed, and later on closed. she said it will take XXXX business day for the new account to be connected to my online banking system. After the XXXX days, nothing went the way she told me. I called her, and she told me again that I should come to the branch and fill up a form for the connection to take place, which I did. 
From that point everything took another turn as my new personal checking account was frozen, my online banking system suspended. I could n't process any online payment since my business account was connected to my personal account through the online banking system. Since Monday XXXX XXXX I am at the branch everyday, the team-members of the branch are powerless in finding a solution to my problem. The bank has terminated my relationship, closed my old personal checking and saving account, frozen my new account, and do not want to talk to me. they have no schedule to when my money will be given back to me. I have bills to pay and my money is blocked by Suntrust bank. I am being penalized for doing the right thing. I am lost and do not know what to and I am also a victim and surprised by the action of this against me
I got a personal loan from Mariner Finance. I fell behind on the loan for over 120 days, so Mariner Finance initiated a legal process to collect the overdue amount and the balance of the loan. Because of this, and legal fee of {$86.00} was assessed. I was able to pay the overdue amount before this issue got to court, got the account back in good standing, and have made on-time payments ever since. Contrarily, my account has been reported as late from XX/XX/XXXX even though payments have been made on time. I called the bank and spoke with the manager ( XXXX XXXX ) and she was unaware as to why my account was being reported as late when there was a {$0.00} past due balance. I then wrote a letter asking them to rectify this matter and accurately report my account to the credit bureaus as this was now negatively affecting my credit. Come to find out, the reason they were reporting my loan balance as late is because of the {$86.00} legal fee which the Branch manager nor the other employees that I previously spoke to knew about. Moreover, the {$86.00} was not reflected on my statements nor bank summary until I brought the delinquent reporting to the bank 's attention. I then asked if I could pay the legal fee, but I was told that I could not and the only way the get rid of it is to pay the total loan balance which at the time ( XX/XX/XXXX ) was {$8000.00}. So the bank has been reporting my account as late for a {$86.00} legal fee that I could not pay and that is not a part of the actual loan amount that was borrowed. Nonetheless, it is being reported as though I have not made any payments for over a year when this is in fact not true. I've called the bank and formally written them several times only to get the run around and contradictory information. Finally, in XXXX I was told that " Senior Management '' has decided to allow me to now pay the legal fee, which I did. I sent the {$86.00} payment in on XX/XX/XXXX. However, it is still being reflected on my credit report that the account is past due for {$86.00}. Additionally, they've incorrectly reported my account to the credit bureaus. The account has not been delinquent since XX/XX/XXXX. It was being reported as delinquent for {$86.00} that was not a part of the loan amount and I was not even allowed the opportunity to pay that fee until a XX/XX/XXXX. When I asked if they would correct the erroneous reporting, they said no although they admitted to incorrectly reporting this information. Still to this day the {$86.00} is still being reported as past due. Additionally, they have not correctly credited the {$86.00} for the fee to my account. Dealing with this bank has been an absolute nightmare and it should not be this hard to get things done correctly or information reported right as this is their profession. The worse part is that it's clear that the people at this bank has no care or concern for how they're negatively impacting my life.
I have tried numerous times to have my creditors review and update my credit information to no avail. I printed out all XXXX credit bureaus, credit reports and I 've also sent the disputes trying to update all my information and as of now my credit report is still the same I paid off all of my credit cards with revolving interest and the majority of my accounts with a large balance and I still have a low score. I 'm currently in the process of purchasing a home but I can not purchase my home with my credit score being so low. I sold my previous home in order to pay off all pending loans and credit card balances and no change as of yet. Please help!!!!
In XXXX, I had XXXX payments returned from XXXX due to circumstances beyond my control. To rectify the issue, I made a {$200.00} ( the payment amount i owed was only {$25.00} ) payment, bringing my balance well below my {$500.00} credit limit. In return, because I had XXXX consecutive payments returned, XXXX suspended my account and blocked me from using my card until I have made XXXX consecutive payments & brought my account back in good standing. At that time, my credit limit was still {$500.00}. On XXXX XXXX, XXXX sent me an email via their website that they had dropped my credit limit to zero and I was still suspended for 90 days and still needed to make XXXX consecutive payments on time. On XXXX XXXX, XXXX, I received notification that my XXXX credit card was reported as " closed ''. I did not close the card. When i contacted XXXX, I was advised that my limit was now {$0.00}, my balance was {$380.00} and that my account was still suspended. I advised them that, because they dropped my limit to {$0.00} for the next 90 days and are reporting it as such, they are negatively affecting my credit report, even when the amount was not true. I advised them that, because i still have a balance with a XXXX credit limit, that they are basically reporting my card as closed and that they need to rectify the issue. They refuse. They stated that they will not fix the issue until XXXX of XXXX. In the meantime, my credit report is still being erroneously being reported with a {$0.00} credit limit and a {$380.00} balance for a suspended, but not closed, account.
i lost my job in XX/XX/XXXX when i stopped paying XXXX XXXX   before that happened i was always on time with my payments when i lost my job i spoke with XXXX XXXX and they refused to work with me and i told them i have no way to pay them so long story short the original loan was for i believe {$2500.00} and now they are saying because i have defaulted that now i owe them $ XXXX and i just started working and they are saying they have the right to garnish my entire check no court order required, they are no help and do not want to work with me i know i owe them money but they have to understand i did not have a job and if i could pay it off all at once i would have already because they are the worse company to work with ever.
At the direction of XXXX XXXX, I requested a complete " Loan Chronology '' of each and every student loan AES servicer had for me entire complete trace back to the begging of each and every loan. 

They refuse to provide me one.
The bank USAA refuse to remove my name from a credit card over which I have no control. The card is not in my possession, it belongs to my ex-wife. She has complete control over the card, it 's balance and all payments associated with the account. It also carries a high balance, and this negatively affects my credit rating. I simply want to have my name removed from the account and to have my credit rating restored.
There is a business credit card with XXXX ( it was a XXXX, then XXXX converted it to a XXXX despite the company 's objections ). Several times a few years ago, XXXX confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told XXXX about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from 2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's.
TransUnion has continued to report an inaccurate and unverified tax lien and bankruptcy without verification to support it. I have sent in notarized dispute letter after dispute letter with response from TransUnion response ; Tax Lien ( XXXX County Clerk - XXXX ) ( The County Recorder of Courts ) and Bankruptcy ( Texas Fedreal Court-XXXX ) ( The Bankruptcy Courts ) has been verified, which is not true because The County Recorder of Courts and The Bankruptcy Courts does not verify credit information. TransUnion will not provide me with any verification of proof that I have requested. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Courts and The Bankruptcy Courts emphatically has stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed TransUnion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), TransUnion is required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
A company I worked for had a business credit card account with XXXX Bank XXXX for 12 years. After 12 years of never reporting this information on my credit report, XXXX reported the account as a charge-off on my personal credit report in XX/XX/2015 without advising me first. I had never even opened the account. The Company paid and closed the account in full and XXXX and their collection agency indicated the information would be removed from my report or showed as Paid In Full with no derogatory information. The account now shows as paid but is reporting as derogatory still despite several calls and assurances from them this would be taken care of. I have exemplary credit besides this and it is impacting my credit. XXXX claims they have reported the information to XXXX correctly yet XXXX has not updated and will not provide any response.
0n XXXX i received a letter from bank of America , declaring that the bank has put stop payment on my checks according to my request! the fact is that i had never requested the bank to do so, and the bank later on admitted that they have done this by mistake and there has been no requested on my behalf.this wrong action put me in a trouble my credit record has been damaged because of the returned checks, and the worse i have been in a XXXX situation.i strongly want the bank to pay a price for putting me in a miserable situation.