WillisBack/dataset-financial-user-claim huggingface dataset:
I attempted to get my free annual credit report online. I was told it was not possibleto do it online and I needed to submit a huge host of documentation via standard mail. 
When I actually paid for a report. The same bureau had no problem deliveringthe same credit report without the same lengthy requirements. This seems like adouble standard and an attempt at driving sales to their site to make you pay foryour report. I had no problem with the other bureaus. Report # XXXX
DFC contacted my former sister-in-law several times claiming to be the Attorney General attempting to reach me. They told her that I had one hour to contact them or they would issue a judgement against me. When I contacted the Texas Attorney General, they had no knowledge of such activity. I contacted the number from which the calls were originally made and reached DFC Legal Services.
XXXX v. LexisNexis Risk Solutions , Inc., No. XXXX ( E.D. Pa. 2012 ). LexisNexis was found liable in a class action lawsuit for storing and disseminating expunged records. After filing a dispute in their Process LexisNexis said they closed my dispute and told me I have to fix this. They have been contacted twice concerning the removal of my expunged records. No action has been taken. I was forced to give personal information to a operator in a foreign country with access to their database there operators would not identify thereslves or put me in contact with there legal department upon my request.should they be outsourceing access to us citizens personally identifiable information to the XXXX is another argument I would like to have answered.
I an entry on my XXXX  Credit Report about a {$250.00} debt to HSBC ( Acct # XXXX ) which appears to be in collections. I do not own such debt and it does not appear in my other credit reports.
Credit limits have been decreased on both my personal credit card and my business credit card and I am have been a customer since XX/XX/XXXX and I have been XXXX XXXX since XX/XX/XXXX and my credit score is XXXX.
The item currently in dispute is a  XXXX  that was issued in my name without my knowledge by  XXXX . The amount owed is approx. {$1700.00}. Over a year ago, I discovered several fraudulent accounts on my credit report through the major credit bureaus when inquiring about a refinance of my home mortgage loan. After receiving my  credit score  report from Experian, it stated that this account is scheduled to continue on record until  XX/XX/XXXX . I immediately contacted each company to inform them that the accounts were fraudulent and requested to remove them from my name and to deactivate the credit cards and loans. Unknown to me at that time, some of the accounts had been open for several years. I had never heard of most of the companies before. I 've had several conversations with  XXXX  requesting them to remove my name from this account because the card was never received, activated or used by me. In  XX/XX/XXXX , I provided a copy of a police report and continued to try to convince them that I did not own, use or authorized anyone else to use the credit card. The latest letter I sent was on  XX/XX/XXXX , as a follow up from my phone conversations with their representatives that took place on Friday afternoon,  XX/XX/XXXX  and Monday morning,  XX/XX/XXXX . The purpose of the phone calls and letter was to continue my dispute of the fraudulent  XXXX  and to advise them that the information from their investigation is inaccurate. I am requesting that  XXXX , or its affiliate agency,  XXXX   XXXX   XXXX , or collection agency,  XXXX , remove my name in its entirety from this fraudulent credit card account. Prior to these PII incidents, m y credit score was  excellent.
My employment information was provided on XXXX XXXX, XXXX and successfully documented my Public Service for qualification for the Public Service Loan Forgiveness Program. 

My loan records will demonstrate that I have faithfully made payments to my student loans for more than 20 years and have been denied the forgiveness of XXXX XXXX as well as the US Department of Education and Federal Student Aid. 
1. These student loans qualified for the program originally ( and XXXX servicing later consolidated these loans ). 
2. I made payments on time each month toward my student loans. 
3. I notified my servicing provider that I was in public service and was NEVER TOLD that these payments were not qualifying due to some sort of an issue with the consolidation. 
4. My employment information was provided on XXXX XXXX, XXXX and successfully documented my Public Service. 

XXXX refuses to pay off my student loans and my current balance is {$10000.00}. The U.S. Department of Education and Federal Student Aid  refuses to assist to resolve this dispute. 

Your assistance in resolving this is greatly appreciated.
I am filing a second Complaint because Ditech has not corrected my account, has made false statements, and has shown very confusing and obfuscated accounting Re : [ Case number : XXXX ]
I opted out of overdraft protection when I opened the account, however to my disappointment, SunTrust allowed a charge against my debit card to go through, through-by sending my account into overdraft. I not only was charged for a item I did not want, SunTrust added in a XXXX fee as my account was over drawn. 

I spoke to their fraud dept. and they asserted, " SunTrust had the sole Discretion to pay debit card charges and add a fee for overdraft, as they had " 2 '' over-draft programs?! I quickly spoke up and advised them I was NEVER advised of a 2nd over-draft program ; if I had been I would have opted out of it. 
This " 2nd overdraft Discretion '' is a fraudulent scheme they are running against their clients to assess fees against accounts. It's simply illegal and must be shut down immediately.
I sent a request for validation that XXXX signed for on XXXX XXXX 2015. The USPS tracking number to prove this is XXXX XXXX XXXX XXXX XXXX. They never validated the debt within the time frame legally allowed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX Original Creditor : XXXX XXXX XXXX Alleged amount owed : {$150.00} This is not my account - Never had service with this company?
After making my first payment in XXXX XXXX, I logged into my account on or around XXXX XXXX expecting to have a payment due. The banner across the top of the page told me that my next payment was n't due for another 25 days. I then logged off. I logged on to my account approx 1 month later, and again, across the top of the page in large bold print, it indicated that my next payment was n't due for another 28 days. I then logged off. A week or so later I got an extremely rude phone call from a rep at Avant telling me that my payment was three months past due and that I owed them $ XXXX in order to make it current. My original loan was for {$10000.00}. Now I had every intention on paying back the loan, but this really took me by surprise. I have 30+ accounts that I pay monthly and have a hard time keeping track of them all. When I logged in, I had no way of remembering what transpired a month ago. But the representative on the phone showed me how to navigate through the web page as I logged into my account while on the phone with him, and I said, " See, it shows right here, my next payment is due on XXXX XXXX. He then showed me how to find down at the bottom after scrolling down a ways in fine print where it had last month 's and the month prior 's payment showing delinquent. ( Dates may be off by a few days, but this is the best of my memory of what happened approx a year ago ) Knowing that this has more than likely already greatly damaged my credit, I decided that the way that there web page displayed my account info was extremely misleading and that I was going to fight it. My job is extremely demanding and as a XXXX XXXX at a XXXX XXXX, I know how strict the guidelines are for creditors and figured that there is no way they are abiding by the correct disclosure guidelines and want the whole account to be dropped. Today I got a call from a company who had claimed to have bought my debt from Avant. I have n't received a call in almost a year from Avant and have honestly forgotten about this whole thing until today. I really hope there is something you all can do to help me. Thank you for the time you 've taken to read this. 
Sincerely, XXXX XXXX XXXX
Fraud, Financial Identity Theft and Civil Theft of a Note. 

The Trust does not exist : XXXX XXXX XXXX XXXX XXXX XXXX. Please note that the trust first registered securities with the SEC in XXXX XXXX. However, the trust filed a Form XXXX Termination of XXXX XXXX XXXX in XXXX. 

NO LEGAL STANDING Charter Capital Corporation in XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charter Capital Corporation XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, Asset Backed Certificates, XXXX XXXX alleged, Holder, Attorney in Fact, but not Holder in due course using a void Note.
A company identifying itself as XXXX XXXX began calling my family and me on XX/XX/XXXX for a supposed debt to XXXX XXXX for improperly closing an account in XXXX. I confirmed with XXXX XXXX ( through my accountant ) on XX/XX/XXXX and XX/XX/XXXX that there was no such debt -- past or present. XXXX XXXX not only used foul language and threatening tactics, but hung up on me several times and allegedly blocked my number. As they also threatened me with legal action and a subpoena, I called XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX to request documentation of the debt, etc. My calls were not answered, nor were my messages returned.
I called into my mortgage servicing company Ocwen Loan Service LLC as I usually do on my Friday ( my payday ) or Monday ( if there is carryover ) to pay the monthly amount due. I admit to behind on my payments, but pay the set amount monthly amount as to avoid foreclosure. I go through the automated system to avoid their incompetence, rudeness and lengthy processes which can easily eat up my entire lunch break. On Friday XXXX XXXX I made my monthly payment of {$600.00}. Not only did Ocwen drag their feet with processing that payment but 4 days later on Tuesday XXXX XXXX, they went into my account and withdrew additional funds WITHOUT my consent! I found this out when I made this month 's payment of {$600.00} and found an anonomous charge mentioned on their automated payment history breakdown. I called the company and inquired and was told that Ocwen took this amount out for an inspection charge where they have someone come by my property and make sure I am still a resident. Ocwen has a policy that before any late fees or additional charges accumulated can be paid off the initial back payments of monthly mortgage amounts due must be paid off first! Any amount that exceeds the {$600.00} will be held in " limbo '' and applied AFTER the back payments are made and not applied to the debt itself. Therefore Ocwen VIOLATED IT 'S OWN COMPANY POLICY! There is NOTHING on their website or paperwork stating that they can just pull money from my account for this purpose. I NEVER gave them authorization to pull this amount from my account! I RECORD EVER CALL I MAKE TO OCWEN WHETHER IT BE WITH A REPRESENTATIVE OR WHEN GOING THROUGH THE AUTOMATED SYSTEM MAKING PAYMENTS! I ARCHIVE ALL THESE MESSAGES. Ocwen WILL HAVE NO PHONE CALL on XXXX XXXX from me AT ALL! They went into my account ILLEGALLY! I have evidence NOT just of this but I caught them in past lies and the representative was warned and hung up on me when I revealed that they had lied! The amount was small but it 's the principle I am more than willing to FIGHT FOR! I alerted them yesterday that I will be filing a complaint and that I RECORD ALL THEIR EXCHANGES!!!!
I have both a Wells Fargo checking and savings account and my daughter has a student loan with them. 
In XXXX XXXX, XXXX, I took over repayment of the student loan of which I am a co-signer. I made a payment of {$170000.00} using the Wells Fargo Co-signer App which processed successfully and noted the monies had been removed from my available balance. 
My plan was to be at least XXXX or 2 months ahead of schedule, so I submitted another {$350.00} payment on XXXX XXXX, noting that the monies were immediately withdrawn from my account. Normally the XXXX 's XXXX XXXX Pay history would reflect all submitted payments ; however, neither payments are now reflected on my bill pay history, although XXXX payment has been credited on my daughter 's student loan document and I 've included an email regarding the {$350.00}. These were removed once I started voicing my concerns. 
XXXX payment was successful. However, Wells Fargo cancelled both XXXX and XXXX payments and then charged late fees. 
On XXXX XXXX while out of town, I went into the Wells Fargo Bank in XXXX, questioning why I had received an email stating they could suddenly not process my payments when the money had been withdrawn. Personal Banker, XXXX XXXX gave me the number to Wells Fargo XXXX XXXX XXXX. 
I then contacted XXXX Services and was told the account was past due. I protested and stated I used their application which showed the submission dates and listed the corresponding confirmation numbers and that this information was available online. She confirmed that Wells Fargo had setup and owned the XXXX Access App for usage. She then explained I was only allowed XXXX payment per month, which would explain why the XXXX XXXX payment of {$350.00} was unsuccessful. I responded, I have never had problems giving my money away and could not understand how a banking institution would not take any and all payments! I mentioned I would have to follow-up on XXXX XXXX, when I returned home. 
At home, I logged into my online account and found that Wells Fargo had completely removed all of the entries relating to payments to the Wells Fargo XXXX XXXX. Ive spoken with a total of XXXX of XXXX XXXX representatives requesting they restore my statement as reflected on XXXX, so that I could confirm that all monies had been credited back into my account, but to no avail. 
I believe Wells Fargo is purposely attempting to cover-up their inefficiencies and not crediting the proper accounts and charging late fees to the unsuspecting. 
If Wells Fargo is without fault, why did they remove the educational loan submission entries from my online statement and bill pay history? 
I would appreciate your help in my recovering all late fees and visibility into what happened to the monies removed from my account. ( FYI XXXX payment processed successfully!! ) Thank you, XXXX XXXX XXXXXXXXXXXX
FCSI continues to attempt to collect a final bill from me on behalf of XXXX XXXX XXXX, despite the fact that -- as the attached documentation shows -- the amount XXXX XXXX XXXX owes me ( {$180.00} ) exceeds the amount of my final bill ( {$150.00}, according to XXXX XXXX XXXX ; {$160.00}, according to FCSI ), as a result of developments stemming from the month-long DSL outage that caused me to eventually terminate my XXXX XXXX XXXX Services this past XXXX. Note that in addition to the damage sustained when my XXXX Service went down on XX/XX/XXXX by the modem I had purchased for {$91.00} from XXXX on XX/XX/XXXX, I was forced to pay Clear {$54.00} on XX/XX/XXXX and another {$43.00} on XX/XX/XXXX to replace my DSL Service while it was down, whereas XXXX XXXX XXXX refused to compensate me for either the loss of my modem or the expenses I incurred as a result of the month-long DSL outage.
I have lost my Discover card and copy of my social security card last year and when I discovered it I called the bank informed them about the matter and disputed all unauthorized charges from my Discover bank credit card. 
I have never authorized any charge from my credit card. My credit limit during that time was {$9500.00} and I still do not understand why Discover approved transactions over my credit limit which totaled charges approximately {$10000.00} additionally I already owned {$1500.00} on this card. Their security department never attempted to contact me and verify any transactions. 

And it is more suspicious and ridiculous their statement that somebody has called them from different number and authorized it. No evidence was provided to me and why Discover authorized it without verifying with me remains a big question for me. 

I have appealed this decision with Discover as it is not fair and it is against The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) I have never authorized these transactions and I have never requested or authorized any balance limit change and no credit check was authorized to change my limit from XXXX to XXXX. I should not be responsible for any unauthorized transactions from my Credit card.
2nd Complaint on this same topic : Since 2011 I have held a Citi Bank Diamond Preferred Credit Card with CitiBank. I had loads of positive credit on my 3 credit files. The account is open, active and all positive credit. Last year I checked my credit file and the account was missing. I made MANY calls to customer service and each time I was told that they could not help. One time a lady ( XXXX ) said to not worry that she would sort it out. I still do not see any of my past credit. I want that all put back on all 3 credit bureaus. I can not get anyone to agree that this could have happened AND how to fix.
Someone used my identy at XXXX and XXXX did a hard inquiry using my social security number. On XX/XX/2018. Please notify XXXX that my identy has been stolen. 
SS # : XXXX. 

Also, an attemp to change address, phone number and email address to set up XXXX to transfer from my XXXX XXXX account was detected by XXXX XXXX fraud detection.
My account is with XXXX XXXX. I mailed a payment by priority mail on XX/XX/XXXX. XXXX processed only {$190.00} of a {$310.00} payment on XX/XX/XXXX. I sent them proof of my payment five times via fax to customer service and their corporate headquarters. As of XX/XX/XXXX, they stay have not corrected my credit file and are reporting that I am delinquent when I am not. My credit score has been adversely affected and I was denied credit due to XXXX XXXX falsely reporting negative information.
Hello federal agency. The creditors clearly made a mistake. I have several accounts and inquiries that are not mines. Can I please have help? How can a XXXX  cardbXXXX be on my credit? How? XXXX XXXX XXXX???? without out me noticing it. Please I need this off my credit including XXXX   XXXX, XXXX  and XXXX  inquiries. Please Im sorry but Im stressed.
I opened an account with KeyBank on XX/XX/2017. It came with {$300.00} in bonus for making {$1000.00} in direct deposits and five billpay or debit transactions in the first 60 days. I made {$1000.00} in direct deposits, but now they are claiming that it had to be in a single transaction. That would be very misleading, since that has never been how any bank bonus has worked in my experience. So they are basically telling me if I made a million direct deposits in the first 60 days of {$990.00} I wouldn't get their checking bonus. That is very deceptive wording and very misleading to customers who expect deposit amounts to be cumulative and not transaction based. I contacted KeyBank Corporate and they said I had to contact the branch and when I contacted the branch they said I had to talk to corporate so I got nowhere.
On XXXX-17 I sent a credit dispute to XXXX XXXX to the address listed on my Experian credit report via certified mail. 

The address listed was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX The parcel was returned to sender and XXXX  did not respond within 30 days. 

In accordance with the FCRA this item must be deleted. 

A copy of the certified mailing and Experian credit report are attached.
I was divorcedXX/XX/2016, my ex spouse took control and responsibility for home mortgage, send info and copy of divorce decree pages showing this to Experian showing this, as a disputed item, they investigated and refused to remove mortgage and one revolving credit account from my credit report
I received damage to my property. My insurance company issued a claim check for the damage, addressed to me and my mortgage company ( Ocwen ). I contacted Ocwen and followed precisely the instructions they provided to get the check endorsed and returned to me. I also included a written letter including address, loan number, and the desire for expedited service, along with a {$15.00} personal check for expedited return service. I never received the check back. My personal check was cashed, but when I called customer service about it, they said I did not send a personal check and that they endorsed and mailed the check via USPS. That was more than a month ago. I emailed them and faxed a copy of the cashed check. They continue to claim that I did not pay for expedited service and that the USPS lost my check.
Equifax is falsely reporting XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX as included in a Chapter XXXX bankruptcy. This is FALSE. Equifax has been repeatedly informed that this information is FALSE and it is now jeopardizing a home mortgage application. This is creating a huge liability for Equifax that I should think they would want to resolve immediately.
I have been disputing accounts on my credit report that were not being reported accurately that it should be deleted and XXXX  & TransUnion came back to say the accounts were verified when I showed documentation proving that it should be deleted. I sent the letter certified to the creditors on my credit report and they had no documents showing the reporting was valid nor accurate. XXXX was the only bureau to correct this. 

Attached I have written the results of a previous dispute with the CPFB and XXXX corrected the information but XXXX and TransUnion will not follow suit. 

Thank you for submitting your complaint on XX/XX/2018, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to XXXX. The Results of Our Reinvestigation provided XX/XX/2018 : We have researched the accounts. 
Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX, NY XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This account is currently reporting paid as agreed, with no late payments. If you have additional questions about this item please contact : XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX.
New American Funding is calling me multiple times a day about late payments and I have asked them to stop but they refuse. My car was stolen XXXX Police Department case XXXX. They refuse to accept ACH payments because I was late a few times so I have no transportation and they refuse to take payment anyway that I can pay them. I have a titanium rod in my leg from knee to ankle so walking to the bank is not an option, the wire fees are costing me {$20.00} a month on top of late fees.
Equifax has not secured my very private credit information and as a result of the recent leaks has left me vulnerable to identify theft and credit fraud - among many other risks that I have n't mentioned. 

This should not and can not go by the way side. Something must be done.