WillisBack/dataset-financial-user-claim huggingface dataset:
I was a victim of identity theft of which I sent a Identity Theft Affidavit to all three Credit Bureaus. 

A Bankruptcy, and other Accounts that did not belong to me appeared on my Credit Report. 

XXXX and XXXX removed all of the Accounts and the Bankruptcy that did not belong to me. 

Transunion refuses to remove the Bankruptcy that does not belong to me. I have sent numerous disputes to Transunion. I 've also called Transunion numerous times. 

I called the Court House and they said they do not report information to the Credit Bureaus. 

WHY HAS XXXX AND XXXX REMOVED THE BANKRUPTCY AND NOT TRANSUION.
My name is XXXX XXXX XXXX, I have been trying for several months now to get transunion credit bureau and XXXX as well to report my XXXX XXXX credit card information onto my report I have contacted XXXX XXXX several times and they assure me that they are and have been reporting my information to all 3 Bureaus Transunion included, and have sent me copies of the information of the dates etc. that they have been reporting .However when I forward this information to Transunion the only response I get from them is Letters stating that I am correct this information is not on my report. I have been very clear on what I need done and have sent them copies of the information ( letters from XXXX XXXX ) showing all pertainent information. The problem is they continue to ignore what the letter states that needs to be done and again all I get back from them ( TRANSUNION ) is That I am correct my information from XXXX XXXX is not on my report .Just and FYI, I am a XXXX Veteran XXXX XXXX XXXXXXXX and am trying to purchase a Home for my Family my score has been calculated by the mortgage company to increase to the score that I need to be able to purchase my Home for my Family this calculation ( score ) comes with XXXX XXXX information being reported on my report. XXXX XXXX is doing there part however Transunion is dropping the ball on this issue and I would like to get this rectified A.S.A.P. TO ACCOMPLISH MY DESIRE TO PURCHASE A HOME FOR MY FAMILY .IT HAS BECOME VERY FRUSTRATING AND I NEED YOUR ASSISTANCE IN THIS MATTER IMMEDIATLEY THANK YOU XXXX XXXX XXXX LAST 4 OF MY SOCIAL IS XXXX ADDRESS IS XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XX/XX/XXXX CARD NUMBER INFORMATION ON REQUEST PHONE # XXXX XXXX XXXX PHONE # XXXX XXXX XXXX BACK UP #
I am unable to take calls at work I advised the collector to send information to my email address they called my work phone over XXXX times back to back
See letters dated XXXX XXXX, 2015 and XXXX 2015. Initial complaint no. XXXX. This is unresolved. No other communication received from CFPB or Capital One. See statement for XXXX 2015 showing minimum payment and additional fees.
On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from chase on the XX/XX/XXXX and XX/XX/XXXX and also the XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score
JP Morgan Chase Card Services stopped bills from coming to my home in XXXX of 2016. When I discovered that bills were no longer coming to me, I called Chase Card Services. I was told that the reason they did not contact me was based on a Cease and Desist. When I asked how the Cease and Desist came about, I was told that it was system generated. During this time Chase Card Services reported negative information to the credit bureaus which drove down my credit score and new employment opportunities. I continued to resolve this situation and voluntarily entered a payment plan to eliminate the debt. It was explained to me that after making three payments, the negative information would be removed. Well, this is not what happened, Chase Card Services reneged on this agreement. I continued to make payments under the Payment Plan with {$81.00} was withdrawn from my checking account each month. Lo and behold, Chase Card Services stopped withdrawing the {$8100.00} from my checking account without my knowledge and consent, and reported me to credit bureaus. They reneged on the Payment Plan and violated every consumer act, this is without question Unfair and Deceptive.
I entered into a rehabilitation program on my defaulted account ( s ) and setup automatic payments each month to get my loans out of default. I noticed there was no automatic withdrawal on my bank account the next month ( month2 ) so I called the company who I have the arrangement with and gave them my payment information again. XXXX XXXX and XXXX I verify that the payment is withdrawn from my bank account. On Month XXXX I call the company I have the rehab agreement with to change my billing information, I am opening an account with a new financial institution and need to update my billing information. To my dismay, they inform me that I have n't been making payments and need to re-commit to the rehabilitation program. I check online and clearly see that the correct amount is being withdrawn monthly at the correct dates using the automated process setup over the phone. The company informed me that even if my proof of payments was satisfactory for them that I still missed payments and would have to start the program again. This is unacceptable to me. 

My original financial institution mailed me an official statement with the XXXX " missing '' payment information on it. I 've mailed a copy to the u.s. department of education and I 've emailed a copy to the company I 'm dealing with. 

I no longer trust this company. While in communication with them I 've had to explain the entirety of my situation to many new representatives and supervisors because they do n't understand details of my case. In order to stop that from happening a representative informed me that my case would no longer be moved but I was moved anyways. No matter how small, errors like that are unacceptable. 

I have started a new rehab program with the same company and have been making my payments on time. I believe my rights have been violated but I do n't know what to do next.
In XXXX of 2013, I suffered a life threatening XXXX  injury which caused me to be in the hospital for several months. During that time a person by the name of XXXX XXXX, who I do not associate with anymore, gained unauthorized access to my bank account through Bank of America and stole over {$20000.00} from me while I was in the hospital. When I got out of the hospital, there was only {$40.00} in my account. While attempting to resolve this issue, I spoke to two representatives from the Bank of America complaint center and they were absolutely no help. XXXX ( unsure of the last name ) in the state of Utah and XXXX XXXX in the state of Maine. I asked them why my account was closed in 2013, and they stated that I had a pattern of late payment history. Ive never been late paying anybody, however I couldnt pay any of my bills while in the hospital fighting for my life. I asked the representatives to provide the dates I was late paying and they could not provide me any dates.
I have paid this debt that was an amount not covered by my insurance upon the first notification. I have gone in person to the Provider and they have apologized and stated the debt collection company is acting outside the agreed guidelines and I should have never received a demand for payment from the debt collection agency. I have now received another demand for payment for a debt that was properly paid.
Equifax has unintentionally released my credit information. I am on the potential list of victims who 's information was compromised in a hack. 

In addition, when offering service to further protect me from fraud, Equifax has hidden language in the EULA agreement that I can not sue personally or join a class action against Equifax.
I was advised at the court proceeding the amount of my debt was {$5000.00}, and that the amount would never increase as no interests will be charged. I have been making my monthly payments ever since and I was just advised on a phone call that my account is accruing 12 % interests and the amount on the balance increases {$81.00} dollars a month versus the agreed {$25.00} dollar a month payment. Therefore, this debt will never be paid down. As a consumer I feel that I have been lied to in attempt to collect this debt and it is unfair. In addition, why was I not told this in the beginning I would have seeked an alternate method of payment.
I was not offered an income based program while I was going through financial hardship and was falsely made to believe that the 3rd party enrollment agency I was going through to get me into the income based program properly was a scam. Nelnet caused me to place fraud reports on a legitimate company and tarnish their record while holding me to a payment I could not make having it adversely effect my credit.
This information is incorrect. It has previously been removed and is now being reinserted. 

XXXX Account Type Credit Card Terms Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details - Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$750.00} Past Due Amount - High Balance {$720.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Ownership Individual account
I am a victim of inquiry issue. 

Transunion : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  : XXXX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX I AM NOT SURE WHAT THESE INQUIRIES ARE FOR, BUT I DID NOT GIVE THEM PERMISSION TO CHECK MY CREDIT OR GIVE ME AN INQUIRY. I WOULD LIKE THEM REMOVED FROM MY CREDIT REPORT. I CALLED TRANSUNION / XXXX   CUSTOMER SERVICE AND TOLD THEM ABOUT MY SITUATION BUT THEY DID NOT WANT TO HELP ME OUT AND DID NOT WANT TO TAKE CARE OF THE NEGATIVE INQUIRIES ON MY CREDIT REPORT
I am extremely upset at the lack of communication that has gone on with this file. If you could please take a moment to review the message history. As you can see this entire time ive been given half instructions and little clarification, when I ask a question it doesn't get answered further delaying the file, I had asked at least 3 times if the XXXX and listing history we provided would suffice as the property was on the market a long time with a previous agent so it was on the market at least 7 days but with this agent and XXXX it was only 5. Never any clarification until today when a mls was requested again, corrections to documents for property address were provided several times, etc. I cant seem to get customer service to speak to me on this account either.
I have previously requested that Experian remove a public record from my credit report as it has been over seven years. This was a state tax lein from the state of Alabama. This tax lien is not even mine! I filed separate returns when I found out what she did. This tax lien belongs to my ex-wife whom i divorceddivorced in XX/XX/XXXX. She has since passed away on XX/XX/XXXX from XXXX XXXX. The other XXXX credit reporting agencies have already removed this item voluntarily, but not Experian. How long is my former spouse going to punish me for divorcing her? The Consumer Credit Agency laws clearly state this should be removed after seven years except for bankruptcy. I would like to know what motive does Experian have to keep this on my credit report? Furthermore Experian had a duplicate tax lien on my credit report and it was also in the county tax recotds for all to see! This is an outrage that Experian is allowed to treat consumers in such a manner! 
Yes, you may publish this in any media!
I made a purchase on XXXX and used PayPal as the money transfer service. I selected my credit card as a funding source. However the funds came out of my bank account. Upon calling PayPal, I was informed my card was denied by their internal risk model yet I was not notified of this at the time so I could therefore change my funding source to a secondary credit card. I did not want this money coming from my bank account. PayPal offered no resolution and therefore I am stuck with the funds being debited from my bank account.
I have reviewed all   XXXX   of my credit report have saw numorous hard inquiries on my report i never gave approve for such as.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   There is numerous   XXXX  inquiries  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
For some reason, XXXX XXXX XXXX has not sent me proof of my obligation to the alleged debt as requested and continues to report this trade-line to two of the three major credit bureaus. This is creating major issues for me such as higher interest rate, a lower credit score and rental application rejections for an outstanding balance owed. 
I disputed this account in XX/XX/XXXX on my XXXX  and XXXX reports to no avail. I also disputed directly with XXXX XXXX XXXX in XX/XX/XXXX. To date XXXX XXXX XXXX continues to disregard my requests and ignore my consumer rights. 
I believe this account does not belong to me. I requested the documents from their files used to verify this account but all I received was a billing statement from the original creditor. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified and unvalidated accounts must be deleted. 
Who verified this account? What documents were used to verify? Are these charges valid? The only correspondence that I received was a letter stating that I owed this debt and a billing statement ( this item does not qualify as verification per FCRA ). This company is in violation for continuing to verify the account with the credit bureau without properly validating or providing the evidence as requested. It is my contention that XXXX XXXX XXXX know that they can not tie me to this alleged account, otherwise they would have done so at my initial request. XXXX XXXX XXXX  is blatantly disregarding the law.
They call us and harass us and I let them know our problem me they threaten us to take my husband pay and get other involved we stop payment do to low funds told them we could only afford XXXX we bought stuff worth over 2000 but have to pay them XXXX they scam military members plus the items we bought was like 2 years old and always out of date
On XX/XX/XXXX XXXX XXXX XXXX sent me a fraudulent bill for a car I never rented
I received a letter in XXXX stating I allegedly owe this company money. I have already written a letter early XXXX and they have received it on XX/XX/XXXX at XXXX. I endured a call from this company before the end of XXXX and they have called other relatives last month and this month in XXXX, until now my parent have informed me a lady name XXXX just communicated with her today she's looking for me for a supposedly alleged debt that I have nothing to do about. I have mailed another letter ceasing all contact! If anything mailing is another form of communication I only accept. I don't even know what this company is at all. I don't even know HOW they have my mothers cellphone number.
I want my {$5.00} back! 
To whom it may concern : I came to Key Bank when XXXX XXXX was the manager there. XXXX bent over backwards helping me set up a new business. She truly cared and it showed. She would actually call me to make sure an issue was resolved. She was a total delight to work with. XXXX was a wonderful as well. 

After that, the whole atmosphere of the bank changed. XXXX refused to help me in any way. I had XXXX issues I needed help with and both times she handed me an XXXX number and told me to handle it through them. After spending much time attempting to rectify the issues myself, I complained to corporate about her total lack of customer service, she must have been notified because she has made me pay ever since. 

I inherited a substantial amount of money and one of your tellers ( XXXX ) suggested I invest the money in a CD and quoted me a rate. I agreed and XXXX started setting up the account. I called to finish the transaction and XXXX said " too bad, the interest rate you wanted expired yesterday and XXXX is on vacation ''. After I called corporate, she called back and said she would honor the rate. 

I noticed another staff ( XXXX ) had picked up on her behavior as well and the few times I called, they would bounce me back and forth - keeping me on hold for ridiculous periods of time. 

Last week I needed to send a wire transfer, I asked the price and XXXX said {$25.00}. I was charged {$30.00} and asked XXXX about it. She said " XXXX make a mistake and I corrected her ), however, I will not refund the {$5.00} because you signed the wire transfer contract. Really? 

I have never been treated like this before and am stunned that this seems to be acceptable by Key Bank. 

XXXX will never receive credit for the {$250000.00} I would have invested with Key Bank had staff behaved in a competent manner. XXXX has been a pleasure to work with. 

Key bank lost an excellent customer that would have stayed with Key Bank for life had I been treated with respect. I hope their behavior was worth it for them, because it sure did n't benefit Key Bank. 
Sincerely, XXXX XXXX
I have a mortgage with ShellPoint Servicing and it has PMI. Now that the house prices have gone up, i requested them for PMI cancellation. They sent me a form to sign which also forced me to sign for appraisal at my cost. After all these, now, they say, the PMI can only be removed based on original Loan Amount, and not the current appraised value. My compaints, 1. They didnt tell me this earlier, 2. When they knew this, why did they ask me to sign for Appraisal, 3. they charged me for appraisal. 4. they dont give me the PMI requirements clearly in writing.
I contacted Resurgent Capital Services.  XXXX  option  XXXX . Spoke to  XXXX  regarding a lien that is on my home. The debt was in  BK . I explained by BK was released in  XXXX    XXXX   and I should no longer have a lien on my home. She said she had to look into it and would go from there.  XXXX  I called back and spoke to  XXXX  and she stated they did find the BK was released and they would file the lien release. She would not give me a time frame as I asked if they could provide me with a copy.  XXXX  I called again she stated there were not updates and not copy yet.  XXXX  Called and still no updated per  XXXX .  XXXX   XXXX  stated still no updates.  XXXX  I spoke with  XXXX  said no updates. I asked to speak with a  manager  and she sent me to a voicemail. I told her I am trying to get my home refinanced because I am paying a high interest rate and this was the only thing holding us up. I asked her is there anybody I can speak to that could possibly rush this as this should have been done a year ago. That is when she said the  manager w as a lunch and sent me to voicemail. I did not get a return call.  XXXX  My husband called first she stated no updates he too asked for the  manager  and she said she was at lunch. She then state oh an update just showed up. Gave him a tracking number.  XXXX  I called again no updates and said the tracking was for when the lien was issued but she could n't give a time frame. I told her I 've been calling since  XXXX  and I have not been successful in getting any information. I told her they should have done this many months ago and asked why her  manager ha s not called me back. She said she did not know and that the process is a long process. I told her I would have to get a lawyer involved if they did not get this done as they are messing with the future of my home. She said get your lawyer as if she did n't care. I really feel as if I am getting the run around and I have been kind and patient about it. Never became irate I thanked her for her help and told her I understood none of this was her fault but that I was frustrated. I need some help. I do n't know what more to do. I am paying 9.75 % in interest on my home and my husbands bank is getting it down to  XXXX . I have kids and would like to get my mortgage down. I 've been overpaying for many years.
I pulled out my credit report because I 'm trying to purchase a car, and was told that I had a collection from : I C System Acct # XXXX ( XXXX XXXX XXXX XXXX ). I have no idea what this is, and I never opened any accounts with them.
I had an amazon credit account that is derogatory on my credit reports I was told when I paid the account off it would be removed from my credit reports
My student loan is through Great Lakes. I had been struggling with making payments. Last month I used their online repayment program explorer. I selected " explore my repayment options ''. It clearly states that for a payment of {$520.00} I would have the loan paid off within 70 months. I called to set this up and was then told that it would be payment of {$850.00} a month if I wanted to pay it off in 70 months. I explained I was looking at my account and it clearly stated {$520.00}. I was told this was not accurate. I have since then looked at my account to explore repayment options and it still states this amount. I have attached screenshots from my account.
I received a credit card and never used it. Not even once. The card was used by someone else. I did not realize this till I recently reviewed my credit report. Wells Fargo will not remove it
A delinquent account is reported to my credit agency, after I refuse to pay charges that have no explanation and no justification for the charge. I am provided no information that assists neon verifying any location, date or service. The only information I receive is that if I do n't pay it will affect my credit which it already has!
The servicer continued the foreclose process while requesting documents, and processing a submission for a loan modification in violation of Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ). Documents were uploaded to NationStar at XXXXXXXXXXXX see exhibits A, B, and C. The company never ceased the court proceedings and advanced a foreclosure while telling me I was in the running for a loan modification. ( See Exhibit D ) I have also requested additional documentation from the company that assisted me with the modification.
I applied for a BBVA NBA XXXX XXXX card application on XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. BBVA requested and received my XXXX Credit file on each date listed. I received XXXX ( XXXX ) letters regarding each application stating that each application was declined due to " unable to verify identifying information ''. I have contacted BBVA repeatedly in an attempt to understand what information the company was unable to verify. Each BBVA representative basically stated the same thing that identity verification failed and wait a few months to reapply again. Unfortunately, no one within BBVA has the ability to inform consumers of what identity failures have occurred. It was recommended to contact XXXX directly to verify my information. I contacted XXXX and verified that all my identifying information listed on my BBVA application matched the information in my XXXX credit file. XXXX actually recommended that I contact BBVA to discuss any identity verification directly with them as my information with XXXX is correct. The information on my BBVA applications were in compliance with with Section 326 of the USA Patriot Act which mandate that financial institutions verify certain information about applicants, including name, legal address, date of birth and Social Security or Tax Identification Number, while processing account application.