WillisBack/dataset-financial-user-claim huggingface dataset:
Still having an account listed by name of XXXX XXXX/XXXX XXXX  showing on my report ... ... is not mine ... ..XXXX XXXX  acknowledged they have no contract with me, they acknowledge thy can not verify who opened account, which is why they also placed in their " internal Fraud file '' ... .yet XXXX, along with other credit reporting agencies continue to permit this to show on my file.XXXX has no document that verifies this account is mine either. So, if XXXX has no documents, XXXX has no documents, XXXX has no documents, Equifax has no documents ... ... .on an account that I do n't have/nor ever had ... how is it I am the one left with the XXXX stick, and having to deal with BAD INFO??? This system of " credit reporting '' is a very archaic, broken system ... ..of inaccuracies and unverified sources. I am beginning to better understand the system ... .if it 's wrong ... ..list it ... ..if it 's unverified ... ..list it ... ... if it is not theirs ... ... list it ... ... great system of bondage ... ..who needs ropes and chains ... .. an inaccurate credit report ... which is REALLY A DEBTOR REPORT, replaces ropes and chains mighty nicely.
Today I went to Sears and wanted to purchase XXXX bed pillows at {$3.00} each. My intentions were to use my bank debit card. The cashier, who by all appearances appeared new and struggling with Sears ' computerized register, asked me if I wanted the pillows for free. The cashier further stated that all I had to do was give Sears my information and e-mail address for promotions and related information that Sears was giving their on-line customer base. I gave my information based on those representations although she was struggling with inputting the information on the computer. As it is recalled, at no time did the cashier even mention anything about a credit card. Next a receipt looking document popped up ( attached ) that fraudulently stated that my application could not be processed at this time, The issuer of Sears MasterCard. Remarkably, there was no mention of who that issuer was. I telephoned that number and the prompt said that my application for a credit card was denied because of too little credit. I then got someone on the phone from Maryland who would not identify themselves with any company and told me I would have to take it up with XXXX. The prompt controverted what the receipt said, thus rendering this a deceptive, unfair and abusive practice. I did not want nor need another credit card. I have a XXXX XXXX Credit Card through XXXX ( {$2400.00} limit ) and another XXXX credit card from XXXX XXXX XXXX XXXX. I would n't take another credit card even if it was free since I do n't use the ones I have, and am a " pay as you go '' person. Moreover, I am almost XXXX years old, elderly and XXXX and have been duped. I am presently in a pre-approval posture to purchase a home and the derogatory mark from the decline could cause me to lose funding, and/or cause a lender to use that as an excuse to bump up the interest rate. I have a clean credit history and my credit score is in the XXXX. I am a XXXX Veteran of the XXXX XXXX XXXX and it is reprehensible that Sears would behave untowardly with a person of my age and health situation, not withstanding the fact of causing stress and anxiety. Sears refuses at my request to rescind the credit application garnered through deceit and/or inaptitude and puts it on Citibank ( Citicorp ) and/or XXXX. THIS IS AN UNSUCESSFUL ATTEMPT BY SEARS TO GET AN UNSOLICITED ( BY ME ) ISSUANCE OF A CREDIT CARD WHICH HAS SULLIED MY REPUTATION AND CREDIT REPORT. 
The application reference number is : XXXX ( see attachment )
RE : Discharged home equity line of credit with BBVA Compass Bank We have an account with BBVA Compass Bank that we have been trying to get some information on. Back in XXXX my ex wife and I filed Chapter XXXX Bankruptcy. The bank chose to NOT reaffirm the loan. Since XXXX we have been attempting to make payments not realizing the loan was n't reaffirmed. We have made multiple calls to BBVA Compass customer service and corporate BUT we CAN NOT get anyone to give us any information regarding the status of our account. Because of the status of that loan, we have to speak directly with someone in the banks bankruptcy department. We have called that department multiples times and CAN NOT speak with a representative. It goes to a voicemail stating someone will call us back. As of today, no one has returned our phone calls. My ex-wife is attempting to refinance our current residence but we are STUCK because we ca n't get the information we need from the bank.
Money was taken off my account from XXXX I did not sign up for that so how do I get my money back
Citibank 's mobile app does not allow one to view payments or pending payments. This makes it more likely to submit double payments. There is no warning against submitting a double payment. This makes it likely that the credit card bill is double billed creating overdraft issues for the payment ( checking ) account. 

I had this problem and contacted both institutions ( Citi credit cards and the checking account ), but the double payment was never removed from Citi despite multiple calls. When I tried to make the next monthly payment, Citi said they reprocessed the double payment, and they could do nothing about it. I found XXXX in the Florida office at Citi customer service very unhelpful when this problem cropped up again the next month. First I had to get my payment ( checking ) account made " active '' over several calls. Then, when it was active, the double payment from the previous month was charged. If I had just paid my balance in full right away, the double payment from the previous month would have overdrawn my checking account again! I am waiting to see if the double payment is processed before paying that part of my balance at Citi credit cards.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Equifax did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the accounts XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
I 'm starting to think I might have been a victim of predatory lending. I am only 2.5 years into my auto loan with First Niagara Bank, and I 've noticed the current value of my car is only XXXX and my auto loan balance is XXXX How in the world did they sell a car for so much more than what the car was worth? I 've asked the lender if I could do some type of refinance to somehow save on interest so I could pay more to principal, and I ca n't I 'm stuck.
XX/XX/2014 accounting was open due to identify fraud and I call Bank of America and no answer I was under age inXX/XX/2014
On XX/XX/XXXX, I made a payment to American Express in the amount of {$3700.00} for my corporate American Express card via XXXX XXXX online Bill Pay. However, the payment never posted to my account. After months of calling both American Express and XXXX XXXX, as well as, 3 failed Dispute filings, Im writing to engage both companies more formally and enlist support from agencies whose purpose it is to help protect consumers like me. American Express has held thousands of my dollars for 3 months claiming that it has not received my payment despite the fact that I have provided proof showing that the money has been sent. I dont know where American Express put my payment, but I want my payment immediately credited to my account permanently. Ive provided the XXXX XXXX proof of payment to American Express several times in the past 3 months. Additionally, on or about XX/XX/XXXX, a call took place that included an American Express representative, a XXXX XXXX representative, and me. During this call, the XXXX XXXX representative provided to the American Express representative the full American Express account number to which the payment was sent. XXXX XXXX has been unwilling to share the number with me due to privacy issues. Unfortunately, that call was disconnected before the American Express representative confirmed that she had found and applied the credit appropriately to my account. Despite that call and my 2 other dispute filing, American Express has failed to properly credit my account. Please check the recorded phone records for the full American Express account number that XXXX XXXX provided as the account to which the payment was made. Please also look for accounts under my maiden name. 

American Express closed my CFPB complaint claiming they don't have enough information to find my money. That is not true. They just are not using their own systems ( recording ) or business relationship with XXXX XXXX to get it. I do not have the American Express account number where the payment was applied. I just know it was not my account. XXXX XXXX would not provide me the information due to privacy reason. However, XXXX XXXX provided that account number to American Express. American Express needs to listen to their recordings or ask XXXX XXXX for the account number. I've provided American Express the XXXX XXXX payment confirmation number, which is XXXX. That is all that XXXX XXXX needs to again find the American Express account number to which my payment was applied and give it to American Express.
I have two capital one cards that have multiple cards and account numbers. I did not open these cards. My ex did and I paid the balance off to lower amount and now Im stuck with high balance. XXXX XXXX   says I owe $ XXXX month payments. I can not afford that. I am willing to pay $ XXXX  month. I do not want negative comments on my credit report. This account is fraud. I never gave anyone permission to open this account or use my social security number to open this accounts.
I have a capital 1 credit card. I was faithfully paying it until my business failed a year or so ago I stopped paying for a while then got back on track when I got a part time job. My payment due date is the XXXX of every month. In XXXX, it got there on the XXXX, XXXX on the XXXX and XXXX on the XXXX. Sometimes, I pay from my bank account and sometimes from capital 1 site. The then decided to send my interest up to XXXX % which is rediculously high. Causing an interest of {$440.00} a month and a total payment of {$570.00} per month. Last year, I had asked capital 1 to settle when I had just come with a bit of money but they refused to do so. Unfortunately, I can no longer pay them as they do not want to work with my current financial situation. This hike is inreasonable.
My mortgage was sold early last year to Carrington Mortgage Services. This company sent me an escrow refund check citing an overage. However, a month or two later they jacked my payments up and told me that my escrow had a shortage. Now a year later they are increasing my payment again after I have been paying an increased amount for the past 12 months. My homeowner 's insurance has n't increased and neither have my taxes. I have read many complaints about Carrington mishandling escrow money. They refuse to admit wrongdoing in issuing me a check and then increasing my payments because of a shortage.
I opened a Capital One 360 Money Market account on XX/XX/XXXX with offer code XXXX. 

The exact wording of this offer ( which I have a screenshot of from the date of opening ) is the following : " To earn a bonus your account must be funded with at least {$50000.00} from a non-Capital One account no later than XX/XX/XXXX, by XXXX XXXX ET. If we determine that you satisfy the eligibility requirements, then we will post the {$500.00} bonus within 60 days from completing the offer conditions. '' In order to qualify for this bonus, I made the following deposits ( dates are taken from the date the transfer posted to the account as verified using the account management on the Capital One website ). 
XXXX : Deposited $ XXXX from XXXX XXXX  account XX/XX/XXXX : Withdrew $ XXXX back to XXXX XXXX  account XX/XX/XXXX : Deposited $ XXXX from XXXX XXXX  Account XX/XX/XXXX : Withdrew $ XXXX back to XXXX  XXXX  Account XX/XX/XXXX : Deposited $ XXXX from XXXX   XXXX  account XX/XX/XXXX : Withdrew $ XXXX back to XXXX XXXX   account XX/XX/XXXX : Deposited $ XXXX from XXXX XXXX  account XXXX : Withdrew $ XXXX back to XXXX XXXX account With these actions, I deposited a total of $ XXXX prior to the XX/XX/XXXX deadline, and had a balance slightly above $ XXXX on the XX/XX/XXXX deadline. 

Today is XX/XX/XXXX, which is not yet 60 days after I completed the requirements, so the company still has time to credit my account. HOWEVER, this week, I have contacted Capital One customer service ( once over the phone, three times over the chat support offered on the website ) and was told each time that I did not meet the requirements for the bank bonus and that I would not receive the bonus because I never had a balance of {$50000.00} in the account. However, the offer details never say anything about maintaining a balance but only state how much must be deposited before the deadline. 

I was told by the customer support person the first time I used the support chat that management had decided to clarify the offer after the fact and did not feel that people using cumulative deposits and withdraws should qualify for the offer. To me, this amounts to changing the offer to something different than it was when I signed up, which isn't right. I know of several examples of people getting the {$500.00} bonus by using the same strategy that I did to deposit over $ XXXX in funds, however, at some point, Capital One changed the policy. This is not " gaming the system '', this is a failure of Capital One to write a specific and clear offer policy. Consumers should not be punished for this. 

Please see screenshots for more information.
I settled with them. I was told the account would be marked as PAID and closed. It never did. I was told that I should expecting a letter from them stating I pay the agreed amount. I never did. I believe I was scammed by these people
My name is XXXX XXXX XXXX. InXX/XX/2007 I became late on a second mortgage that was through XXXX XXXX XXXX. The debt was subsequently sold a number of times including to XXXX and now LCS.  The debt was satisfied as part of a Home Affordable Refinance by the government prior to ever hearing of LCS and the debt is no longer owed and should never have been sold.

LCS continues to call me although I have requested that they stop. They continue to ask me to call XXXX or XXXX. I have called and requested that they stop contacting me about this debt, which is no longer valid. I called today and the person on the phone hung up the phone on me. 

To top this off this company has TWICE pulled my credit report with a hard inquiry when they have not been given permission to do such. They pulled my report in XXXX and again today on XX/XX/XXXX. At no time have I given permission to do this, and I DO NOT have a business relationship with this company. 

Perhaps there is confusion bc my mortgage was with XXXX, who is out of business. XXXX XXXX XXXX  is also out of business. 

I have no legal relationship with this company, do not owe the debt in question, and want them to cease contact of me in any way, as well as to immediately stop unauthorized pulls of my credit report. 

I do not have an account number for them but my social is XXXX. 

LCS ' address is listed as : XXXX XXXX XXXX # XXXX XXXX CO XXXX It has been a decade since this account became late and it is not even lawful to have them continuing to harass me via phone.
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 & XX/XX/2018 ; I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I was contacted by this company repeatedly from this company. I received XXXX but it was done incorrectly by a Dr. that was not suppose to be doing these procedures. I had to get a real doctor to fix my XXXX. The company closed soon after and the lifetime warranty was not respected. The company was a fraud. I am not paying for the torture and debt that this company put me through. The pain and money it cost for me to fix my XXXX. I could have went XXXX  due to this company.
About a year ago, I submitted a complaint on my fiances behalf about Renton Collections in XXXX, WA. Last year, we tried to make contact with them to find out about a medical collection they had put on his report and find out where it came from and if it was his, a way to settle it or way to pay it. Not only did they refuse to furnish him proof of where the debt came from and where almost the {$1000.00} 'interest ' was coming from, but they also talked down to him threatening to take everything from him and told him he was n't allowed to call them more than three times a day ( after they continuously hung up on him and I ) and then when we could get ahold of them, they told us we were n't allowed to call again until the next week. After I submitted the complaint the last time, this 'debt ' he 'owes ' mysteriously disappeared from his credit report. And now, over a year later, they 've randomly put it back on his credit report as not only a new debt, but as one that 's in dispute. We have not contacted them or spoken to them in over a year and we want this off his report where it should be.
I have a loan with Citizens One. I access loan information using their website ( electronic billing ). Using their website, I can not : - Discover the interest rate I am being charged. 
- Discover the remaining balance on the loan. 
- Discover the payoff amount of the loan. 
- Discover the amounts of prinicipal and interest I have paid against this loan to date. 
- Discover the amount of principal vs. the amount of interest I am paying on any given payment. 

https : //www.fsdsapps.com/ecs/ #! /citizens-one-apple/overview
My wife and I are trying to get pre-approved for a mortgage. We both have credit karma accounts. Our lender is not able to pull our reports due to a firewall credit karma has placed on our accounts. Now our pre-approval is sitting in limbo. We have contacted credit karma several times over the last 7 days and have not been contacted by Credit Karma to resolve the issue.
I had report that I had a complaint with TransUnion and they submitted back to you that the item was not my credit report however they have changed the number the item number is XXXX a state tax lien that the information is incorrect and the State XXXX Oklahoma and The XXXX XXXX Clerk said it could not be validated and should be removed from my report. I now question their reporting of the bankruptcy that shows up on my report as the XXXX Bankruptcy XXXX said there are multiple errors and they didnt not report he information to the agency. This too should be removed.
I've called Navient multiple times to Settle/Pay off my stundent loans, current balance of {$22000.00}. Most recently called on XX/XX/XXXX, after getting the same answer multiple times and from previous calls made on XX/XX/XXXX & XX/XX/XXXX. Not willing to take a settlement amount, even though my principle on the loan ( s ) was {$16000.00}. Last call I asked to speak with a supervisor, was put on hold for a few minutes, same gentlemen got back on the phone said his supervisor was busy and that he asked him and backed up what he'd been telling me that there's isn't any settlement options for Federal Loans when they are in good standing. There might be more options if I were in default. I'm really want to just get my loans paid off, but at this point I'm not willing to pay the amount that Navient wants because every time I've called they've been rude, disrespectful and unwilling to work with me what so ever.
I recently charged {$1.00} for a subscription service through XXXX. XXXX is linked to my checking and savings through PNC bank. While I meant to charge my checking, somehow my savings was charged. I do not keep anything in this savings account because I bank elsewhere. The {$1.00} charge caused an overdraft and a {$36.00} fee, of which I was unaware until five days later. By the time I was made aware, another {$36.00} fee had compounded on top of this. It is outrageous to expect me to pay {$72.00} over a {$1.00} incidental charge.
Received a phone call on Tues XXXX XXXX XXXX at XXXX from a unknown number by guy named XXXX XXXX saying he has legal documentation that I have to sign for at my place of residence and/or employment under my name and social security number. The paperwork is pertaining to a claimant office is filling against me. He says he is advising me to call XXXX and here is your attactch case number. This same guy has also called My Dad at his residence on Tues XXXX XXXX, Weds XXXX XXXX and also called my brother at his place of residence XXXX XXXX and XXXX XXXX. He has call both of them numerious times and was very rude. He has also called me again on XXXX XXXX XXXX at XXXX for another message like the first one. He called again XXXX XXXX saying the same message.
all credit agencies reporting incorrect data, never had any " Public Records/ TAX LIENS '' not mines, same infor on file 2 times ; violates FCRA with re-appearance of infor on file
Hi my name is  XXXX   XXXX   XXXX  and I live at    XXXX   XXXX   XXXX   XXXX   XXXX   Del  XXXX  and I work at  XXXX  and my phone number is  XXXX . Everything else that is reporting on my credit reports are inaccurate/incorrect.
XXXX XXXX has incorrectly reported that we missed a mortgage payment in XXXX 2017. This  is completely wrong. I have never missed a mortgage payment and this is injuring my credit score.  XXXX XXXX has shown a pattern of incompetence ; losing our forms, " accidentally '' blocking us from online account access, and being closed at crucial times during business hours. Although our mortgage was thankfully transferred to another company, we are so fed up with them and hope that a penalty can be assessed against them for the stress that they have caused with their false reporting.
I am currently being harassed by Navient. I have been going back and forth with them for years with no luck. They will not reduce my payment to a reasonable amount, and even when I do make payments they do not affect my account. They call me 6-10 times a day and just actually contacted my employer, which I did not think was legal because these are private and not federal loans. Please help!!!
I applied for Public Service Loan Forgiveness from the U.S. Department of Education ( XXXX XXXX ) and was told I do not have any ELIGIBLE loan types. With all due respect, I think they are mistaken and may have inaccurate information. I called XXXX and was told to contact my current loan servicer, Nelnet. Before Nelnet, my servicer was XXXX XXXX for XXXX XXXX directly after graduation from the University of XXXX in 2006. It seems possible that a data entry error could have occurred in the transfers.

I have attached documents that I believe prove the eligibility of my loans. If my student loans are not eligible for PSLF, I would like a thorough explanation concerning WHY they are not. I see William D. Ford Direct Loan Program as well as Federal Family Education Loan Program on the consolidation papers. I simply do not understand what the problem is. If I can find evidence that the loans ARE eligible, I can and will re-apply for the loan forgiveness. Thank you for any help you can give me.