WillisBack/dataset-financial-user-claim huggingface dataset:
I did not open the following XXXX XXXX account on XX/XX/2015, the account is not mines and I'm asking for it to be removed, and/ or provide me with physical documentation as stated within the FCRA law.
My name was changed on my Trans Union credit report starting the date of the fraud document with the bank. I have sent all my information to TransUnion 2 times. Today I received mail from them again under the name XXXX XXXX XXXX, My name is XXXX XXXX XXXX. At this time I am not sure what other information in my report is wrong because I have not been able to get to a report in the last year. Thanks.
I have a hard inquiry from XXXX XXXX on XXXX XXXX 2014. I have been a customer of XXXX long time, at least 3 years, and I just moved to a new address and moved my services, and that does n't give them the right to make a hard inquiry on my credit report. I asked Equifax to investigate, and their response was : We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. Ifyou believe this was unauthorized, please contact the creditor. If you have additional questions about this item pleasecontact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX never gave permision to XXXX to place a hard inquiry, when I moved my services. I was not a new customer. 
I need the inquiry removed.
My loan was transferred to XXXX XXXX based on that I applied to the XXXX. I was not told that my graduated plan didn't fit the criteria, from XXXX XXXX. However, they both think it was the others neglect not to tell me. However, both of those transfers went through the Dept. of Ed.
XXXX XXXX claimed I owed one last payment on my lease which was up in XXXX of this year. I had disputed the claim, asking for proof of which payment was missed. I was then sent a letter by XXXX ( Debt collector ) which I received XX/XX/XXXX. I called them XX/XX/XXXX. At which time they asked me to pay the debt, even though I disputed it and requested the proof of owing it. They told me I had to call Ford for that. I did and was put through to their collections. They told me that XXXX was told to suspend collection activities on XX/XX/XXXX due to account review. I called XXXX back and told them what Ford told me. I was told that Ford doesn't make mistakes and she asked me how I wanted to pay off the debt. When I insisted that Ford suspended collection activities the week before she acknowledged it and I was told to call back when Ford adjusts the account. My complaint is that they tried to collect a debt after they were told to suspend activities.
Agency is repeatedly reporting false information on consumers credit report. There has been no verification of contract or agreement between consumer and this creditor, therefore the collection agency should not be reporting. 
Verification of contract needs to be produced to verify obligation by consumer.
XXXX XXXX XXXX XXXX I called in to make my car payment via phone due to having to update my banking information Checkings Account Number and  Routing .... I was speaking with a rep that was not to fluent in English and continuously kept asking her to repeat my account number back to be to ensure accuracy ; however, she would not she just kept stating she had to correct number due to her frustration. 

In turn, I was docked for being late 2 months in a row due to the bank account number not being found upon the company processing the payment ; however, I was not notified until calling in to process another payment. 

I have disputed this information via the CRAs and with the XXXX Executive Relations Department ; however, they are stating that I am responsible for the information the rep inserted even though I clearly asked her multiple time to repeat the account information back to me after multiple attempts. 

I have been a XXXX customer for almost 3 years with no lates until experiencing this issue and everytime I try to resolve the issue I am informed they will no longer investigate because the information is correct even though the error was simply due to an error with the customer service rep.
Portfolio recovery services account XXXX amount {$630.00} opened XXXX and account XXXX amount {$580.00} opened XXXX has been reporting inaccurate on my credit and is in violation of federal law. These accounts are collection accounts and are reporting 120 days past due which is impossible and is an inaccurate status for a collection account. It is also reflecting that it 's as a factoring account which is false because factoring accounts reflect current debts. Please remove this XXXX accounts from all XXXX of my credit reports for violating the fcra and inaccurately reporting account statuses as well as account types. I will be following up with complaints with the federal trade commission as well as the Virginia XXXX for violating federal law.
Plaintiff, XXXX XXXX XXXX, states his complaint as follows : Plaintiff is an individual who now resides in XXXX , Virginia . 
Defendants OneMain Financial Plaintiff entered into a loan agreement with One Main Financial XX/XX/XXXX. 
The original loan amount was {$10000.00} which was deposited in my XXXX XXXX account on XX/XX/XXXX On XX/XX/XXXX One Main mailed a statement which represented a balance of {$10000.00}. Plaintiff inquired about the {$500.00} increase and was informed that it was not part of the loan To date the account has not been adjusted. 
As a result, the interest rate ( MAPR ) exceeds the maximum interest under the MLA.

COUNT I Violation of Military Lending Act 1. Plaintiff incorporates the previous allegations of his Complaint as if fully set forth herein. 
2. Defendants actions as set forth above constitutes violation of the MLA.

3. One Main actions included undisclosed fees which was not verbally expressed to applicant.

4. In addition, One Main actions increased the MAPR over the maximum amount under MLA
Contacted Synchrony Bank regarding my Sam 's Club Credit card on the XX/XX/XXXX to ask for a credit increase of an additional {$4000.00}. to pay for a boiler for my home. The credit increase was approved immediately. 
On XXXX I transferred {$3500.00}. from my savings to checking and made a payment on my Sam 's account and on XXXX my husband made a payment of {$3300.00}. from his bank account to the same Sam 's account. 
Called the bank on XXXX at XXXX because the available credit balance was {$10000.00}. I was told that a hold for the {$3500.00}. payment was put on hold because I had made XXXX large payments on my account and the hold would be release after 48 hours. I did get upset on the phone since my understanding that a wire transfer from one bank to another was immediate and could not be held. The payment on Sam 's website said posted. The {$3300.00}. payment from my husband 's account made on XXXX was processed with no issue. Not sure why they put a hold on the first payment not knowing I was making a second payment for making XXXX large payments. I was also told that they can put holds on payments and did not have to notify me. The account manager said I could get another credit increase, which she processed and came back to say that I could get an increase of an additional {$1500.00}. Refused increase because it did not help out of the situation to pay for the boiler on Friday. I asked to have the terms and conditions sent to me by email that identifies that they can hold payment if XXXX large payments were made on the same account. Still have not received. She transferred me to an underwriter to see if the credit increase could be {$4000.00}. which was needed. After trying to process again, he came back and said he could increase for additional {$1000.00}. I said I would file a complaint not knowing what else to do. 
After calling no satisfaction and said I would file a complaint
Wells fargo is trayin to make me Pay for a check that i never deposit into there account And this is the reason why they ofer me a secur crdit card and close IT right away, i belive this is not fare. 
XXXX THE I RESIVE A CHECK FOR A COMPANY Y DO N'T REMEMBER THE CORPORATION, BUTI BELIVE THAT WAS A SCAM, I ASKEF THE TELLER AND SHE SNACHED THE CHECK OUT OF MY HANDS AND SAID THIS IS VOID CHECK, BUT STILL DEPSIT IT ANY WAY, DID NOT GAVE ME CKECK BACK FOR ME TO DESTROY AND STILL DEPOSIT ANY WAY. THANK YOU FOR YOUR TIME AND CONCERN REGARDING THIS MATTER.
I would like to file a complaint. I have received several letters via Certified Mail from NationStar Mortgage stating that I could opt to have a face to face meeting with a representative to discuss options concerning my loan. I have made more than several attempts to set up this face to face meeting for the last month and a half at least. I have received nothing but the run around from each person that I talk to. Someone was supposed to email me, and then someone was going to call me, but I have yet to hear back from anyone regarding my calls to set up the meeting. 

I get different responses from your Representatives from, " We do n't do that '', to " I have never heard of it. '' I read them the letter that I received and had to sign from coming out of the Texas office. The representatives all need to be on the same page. Does n't look good for the business when the information being given does not match going from person to person in the office. 

If no one is going to actually set up the face to face meeting and it is not an option, STOP SENDING ME CERTIFIED MAIL TELLING ME TO CALL TO SET ONE UP!
I applied for the Bank of America XXXX XXXX XXXX XXXX for the enhanced sign up bonus and additional features. I was accepted for a lower product with no explanation why. When I called to upgrade to the Signature card I was granted that and promised the bonus that came with that card. A subsequent call to Bank of America requesting a status was made by me and again I wanted to confirm I was going to get the bonus and again I was promised I would. When I received the new card I called to request when my bonus would post and I was informed I was eligible for a far less bonus since I upgraded the card. This is deceptive and not what I signed up for. Now I have a hard pull on my credit and nothing to show for.
On Monday, XX/XX/XXXX American Credit Acceptance received 2 packages for the payoff of two cars a XXXX XXXX andXXXX XXXX. On XXXX/XXXX/XXXX I reviewed the account to see that the XXXX XXXX and had been processed as paid off and not the XXXX. 

On Thursday afternoon I called again to see the issue with the XXXX not being payoff and was told they could NOT FIND THE CHECK. American Credit Acceptance clearly does not follow proper lockbox procedures. I provided them the tracking number for the XXXX payoff check, the dollar amount {$27000.00} and the records that they signed for the check on XXXX/XXXX/XXXX at XXXX XXXX and they still tell me as of today they can not find the check. The account number XXXX was also placed on the check.
I was issued a refund for some gifts i recieved as a house warming gift on XXXX/XXXX/2016 onto my temporary american express serve card ending in XXXX the merchant released the funds two days later and XXXX has refused to realease the funds back to me it is now XXXX XXXX and i have yet to have access to my funds i was promised a resolution by XXXX XXXX th and still nothing! I would like to expell all my funds and close this account
I have sent Experian dispute letters and Fraud Affidavit informing them that I was a victim of identity them. Someone use my information without my knowledge. I have disputed this claim many times with Experian. They have stated that XXXX XXXX XXXX has verified this information. Which is ironic because I ca n't get them to send me any information with regards to this account. This account is not mine so I will like for Experian to remove this information from my credit file.
There are things on my credit that I have already taken care of, and they have taken some things off of one reporting agency, but not the other ones.
They 've called multiple times. I 've advised them that they are calling my work phone and need to call my cell phone. I 've provided my cell phone number, but they continue to contact me at work. I can not have personal calls at work.   They 've been calling from private/restricted numbers, but today the information came up on the caller id : Total Card (  XXXX  )
I been paying a Home depot credit card for more than a year but I owe more than what I suppossed to. I stop using the credit card on XXXX 2014 and I owed XXXX. I paid for a year and I owe XXXX.
Since last week ( Friday, XX/XX/2018 ), XXXX XXXX XXXX had called me and my husband to collect a debt from a XXXX Credit Card. Yesterday ( Thursday, XX/XX/2018 ) they have contacted my husband via his phone number and threatened to sue me.
In response to Experian " Report '' number : XXXX, I disagree with Experian 's handling of my request and do not believe that Experian is abiding by California and Federal law.
Specifically, Experian is wrongly requesting, " one copy of a utility bill, bank or insurance statement, etc '', however, this is not a requirement on California law. Furthermore, I do not have a bank account, utility bill, or insurance statement because I have been effectively locked out of the financial system based off false information on my credit report.
In response to Experian 's request for a government issued identification card, attached is a picture of my passport. However, this was previously provided to Experian so I am uncertain why Experian is requesting this document again. It is not very consumer friendly.
In relation to the requests for identification information, please see the below : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date Of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, California XXXX, USA. ( If there are other addresses on my file, these should be removed, my address for the past 6 years has been XXXX XXXX XXXX, XXXX XXXX, California XXXX, USA ).
Furthermore, Experian should actually investigate my dispute, because despite the statements provided by Experian, I have given adequate information to request Experian verify the validity of the debt. Specifically, I previously stated that a record being reported by " XXXX XXXX XXXX '' for an amount of " {$360.00} '' is unrecognized and likely not valid because attempts to contact the reporting company " XXXX XXXX XXXX '' has resulted in no response. Indeed, " XXXX XXXX XXXX '' has refused to respond to any of my dispute letters or concerns and for months refused to provide any valid verification of debt.
Therefore, because XXXX XXXX XXXX can not provide a valid verification of debt, Experian should remove this information or conduct its own investigation into the record. Failure to do so would be a violation of State and Federal laws.
Navient will leave an automated voicemail that they are trying to reach the borrower and need to speak to them about their loan. When you call back to the number they leave it is not being answered in the proper department. Navient has also indicated that payments were not made on certain accounts until I inform them that I have a confirmation number and the money has been removed from my account, then they magically find that the payment was made ( sometimes on the same day ). Until an argument took place I had no knowledge that Navient had a private loan side and a federal loan side. Whenever, I call in they are automatically sending my calls to one or the other side but not necessarily the correct side. I am getting information from people that the loan is current and then others are saying it will be reported to collections. It is frustrating because until reaching out to XXXX I was unaware of a national database that existed which one of my loans did not even appear on. However, that did not stop Navient from trying to collect after a 4 month delinquency that I had no idea even existed since I had consolidated to the Loan Forgiveness Program and was making payments and was current. Then Navient contacts me about a loan AFTER it was already delinquent. When I inquired to where this loan had been and why it did not transfer over when requested ( two years earlier ), they could only tell me it was in an administrative hold and it would need to be researched because they could not even tell who made the hold request. The lack of professionalism and knowledge of what is going on with accounts in Navient 's custody is pure disgust. NAVIENT SHOULD BE PUT OUT OF BUSINESS.
As of XX/XX/18 I owed {$510.00} to Portfolio Recovery Associates who had sent the account to their outside law firm of XXXX XXXX XXXX. 
I called XXXX XXXX XXXX on XX/XX/18 and settled the debt for {$370.00}. 
The same day the {$370.00} was debited from my checking account. On or about XX/XX/2018 I received the paid in full letter from XXXX XXXX XXXX based on receipt of the {$370.00}. 
I have attempted to contact Portfolio multiple times vis phone to confirm the account the account is in fact closed and paid. They refuse to discuss account saying it is still under control of XXXX XXXX XXXX. I called XXXX XXXX XXXX on XX/XX/18 to confirm account closed and they say per their records its closed. They told me to call Portfolio. 
Per my credit report pulled earlier this week the {$370.00} has been credited to the account but the settled amount to be written off per XXXX of {$130.00} is still on the account and the account still shows as open despite XXXX 's statement that it has been paid in full and closed.
There are late payments on my credit report that are not accurate. I was a victim of fraud which caused my personal checking accounts to bounce and therefore make my payments late. I contacted Capital One about this and they have done nothing to remove the payments. I sent them a dispute letter and they verified this.
Citibank closed credit card ( XXXX ) and transferred the card information to credit card ( XXXX - {$8500.00} ) WITH THE EXCEPTION of the credit card limit ( {$12000.00} ) ; and DID N'T NOTIFY me UNTIL after they had completed the transaction. So Citibank credit card ( XXXX ) should have a credit card limit of {$20000.00} instead of the stated {$8500.00}. 

I value my FICO score and do n't want to see the above present reduced credit limit on card ( XXXX ) subsequently reduce my FICO score which in the past I have watched very carefully. In the past I have had home mortgages and car loans at the very low interest rates possible ; and I do n't want to see that ruined by Citibank.
On XX/XX/2017, i, sent out dispute letters certified mail to XXXX, XXXX and Equifax with return receipt with time, dates and signature received .On XX/XX/2017 XXXX and XXXX received dispute letters, Equifax received dispute letters on XX/XX/2017. I, mailed verification request to verify inaccurate information on my credit reports.The inaccuracies ; a Bankruptcy Chapter XXXX dismissed / clsd and a Chapter XXXX Bankruptcy discharged, Along with XXXX/XXXX account listed included Chapter XXXX Bankruptcy discharged. I have asked the 3 credit Bureau to give me the furnisher of the information on the two public Bankruptcy and the XXXX account that 's included in the bankruptcy, I asked specifically for the name, number of the person that they verified this information with. According to FCRA laws, I thought i was entitled to this information. the 3 credit Bureaus completey ignored my request alone with previous request. all 3 credit reporting Bureaus sent back a letter stating the items are accurate. They also stated that the furnisher of the information is the US Bankruptcy Court - XXXX. I have written document from the US Bankruptcy courts states that they do not report or give out information to the credit reporting bureaus,states they use 3rd party database collectors to get and sale public information, I feel that all three credit bureaus has violated me and the FCRA Act, by giving incorrect false information about how they verified my request. And by NOT validate the accuracy they claim to have. The credit Bureaus should have to remove any derogatory information they are reporting. Completely because they are not validating any documentation not even bearing my signature and penalty and violations should be impose on them.
XXXX   XXXX  , 2017,  {$310.00}. In my contract that I sign with  XXXX   XXXX   XXXX  money. There is a clause that said that I can call and get extension date. There was no limit on how many. Well today, I call and inform the person that I need an extension for  my  XX/XX/XXXX payment. She told that I can not have one and I would have to wait 6 month. I ask her where is that in my contract becaus e I have never been told that and I have ask for several and she was the  1st in 4 years that  said that. She could not show me that in my contract. So I told her that I have lived up to my end of the contract now she is refusing to live up to  Ford  agreement. I
I submitted Case number : XXXX but it was not sent to Citibank but rather to XXXX for resolution. Since the Patriot Act, banks are required to obtain ID before opening an account so I want to know how was a CRIMINAL allow to open an account and receive wire transfers. Also how did Citibank allow their database to be hacked and all correct information on a credit card was stolen and used to pay for my services. And now I am told I have to write-off all my expensesI wire transferred {$3200.00} to what I thought was a legitimate customer of Citibank who turned out to be a scam. The following information is all documented via emails. 
On XXXX/XXXX/2014 we received a request for quote via email from XXXX XXXX from XXXX and Sons to print XXXX flyers. 
On XXXX/XXXX/2014 we received an email with the information on the Mastercard we used to pay for the XXXX and Printing of the material of {$5800.00}. On XXXX/XXXX/2014 the funds from the credit card were deposited into our bank account and that is when we started the printing the material On XXXX/XXXX/2014 he asked us via email for the status of the printing job and asked us to contact the XXXX XXXX to schedule the pick-up by the XXXX XXXX. On this date, he also called the shop to talk about the status. We schedule pick up of the XXXX XXXX at our shop on XXXX/XXXX/2014 and paid the XXXX company the {$3200.00} they requested for the shipment. I was provided a routing number and account number and name. 
On XXXX/XXXX/2014, in reconciling our bank account we noticed that the {$5800.00} was chargeback to our bank account and hence the reason I am writing this information. In the meantime, the XXXX XXXX flyers have been printed and we are waiting for the XXXX Company to pick them up
I have a fraudulent account opened through XXXX. I have filled out the Fraud Paperwork several times and had the debt removed finally that was being pursued by " XXXX XXXX ''. The debt was removed and I check my Report this morning and now " Source Recievable Collections '' is placing this account on my report and attempting to collect. This is affecting my attempt to clean my credit and purchase a home!!! The XXXX Fraud department is denying the receiving of my fraud packet and continue to bounce this fraudulent debt from debt collector to debt collector. The account is not mine and the addresses associated with the account set up by XXXX are n't even remotely a address I have lived at.