WillisBack/dataset-financial-user-claim huggingface dataset:
Today I have contacted legal advise in obtaining an attorney to sue the credit reporting companies for not removing an account that was opened up fraudulantly ( XXXX ). I obtained very important information from legal advise in regards to how many times I have disputed this information and requested to show me proof when and how I supposably opened up this account in 2012. I have allowed more than enough time to have this issue addressed. I advised the attorney that I spoke with ( XXXX ) from the fraud investigation department at XXXX and was told that this account will be removed. I still have not received anything in writing via mail that this fraudulant account will be removed from my credit reports. I have intent to sue if this is not resolved. Having this fraudulant account reporting on my credit reports is affecting my credit in a negative way.
I have submitted disputes ( with documentation ) about old negative information showing up on my credit report. I submitted the dispute in 2016, and again on XX/XX/XXXX, - Experian refuses to remove it. So today XX/XX/XXXX I once again disputed it. XXXX XXXX  XXXX XXXX provided me documentation showing I paid a loan off, and Experian refuses to remove the negative information. XXXX XXXX says they can not remove it, that its Experians responsibility to remove it.
I locked my refinance rate with TD Bank. Rates increased quite suddenly post election. My mortgage is now saying I will to have to pay different " points '' since post appraisal the LTV is 61.3 %. They are saying the points are different for LTV greater than 60 % vs. LTV less than 60 %. Is there 60 % cutoff really? I have never heard of it.
This debt is not mine and I don't even know what it is it keeps on reappearing on my credit report I was never notified about it and there no contact information for this company and I am unaware what this is.
XXXX XXXX XXXX This account was deleted off my credit file in XXXX. See attached proof from the bureaus. This account has been paid and closed. I do not understand why it is reporting again on my credit file again. Delete this account off my credit file immediately!!
To Whom It May Concern, I have an XXXX XXXX XXXX Collections on my account ; AFNI, INC. for {$180.00}. I have paid this collection and settled. This collection was a result of un-returned equipment for when I was in college. I had an out of state internship and my roommates said they would return the equipment.
They did not do this immediately and I was in another state trying to get them to return the equipment. I was notified by XXXX XXXX XXXX that it was not returned and tried working with them to explain the situation. The roommate who had the router got a job in another state than the one the XXXX XXXX XXXX  equipment originally was from. XXXX XXXX XXXX refused to take the equipment at a location in a different state than we had used the equipment in.
In the end the ex-roommate told me they returned the equipment but XXXX XXXX XXXX never gave me credit for it. This roommate could have been lying, there is no way to know. Still XXXX XXXX XXXX was not helpful in resolving the issue. Once they marked it as deogatory they never even followed up to see if the equipment was returned. The account is paid and settled for nearly 3 years. I have been a client of XXXX XXXX XXXX for over 12 years, going back to Cingular Cell Phone. There is no reason this should still be on the report.
It is negatively affecting my credit and making it more difficult to get competitive interest rates on loans or qualify for student loan consolidation. I would like this PAID collection removed and deleted. Thank you.
Hello, XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) is reporting the reporting the dates of an old debt as a current debt. My original debt was opened XXXX/XXXX/XXXX ( confirmed in their Account Summary Report ), however XXXX is reporting the date they acquired the debt XXXX/XXXX/XXXX ). I would like this information updated on my XXXX credit reports to the correct dates. 
Sincerely, XXXX XXXX
Equifax has two address on credit report of cities I have never lived. The address in question are XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX.
Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance Not reported Status Paid, Closed. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3800.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$1900.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5400.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account
I checked my credit report and discovered an account from a company called ONLINE COLLECTIONS. I have no idea who or what this is, nor do i have knowledge of the debt they are reporting. I have never been contacted by this company. I contacted the original creditor, XXXX XXXX, and they stated there is no balance for my old home address or under my social security number. They also stated they do not use this company for debt collections, imposing that this is a fraudulent account.
Employment data is missing from my Trans Union credit report. I want the following information added immediately to my credit report : Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$150000.00}
I have tried XXXX times to purchase my report and score from Equifax. I have been told to send current photo idand social security to them to correct my personal information. I was told there were too many " soft '' inquiries on my report ; therefore I am not allowed to pullmy credit report. I have been dealing with the problemfor several weeks. My report is not being updated on aregular basis compared to XXXX and XXXX.
I am filing this complaint against the following credit reporting companies. Trans Union, XXXX, and XXXX. There are several accounts and credit inquiries reporting on all three credit reports that do not belong to me. This issue has been addressed on several occasions. I am requesting that these accounts be removed immediately or I will take further action against the credit reporting companies. The accounts and credit inquiries listed below are to be removed upon retrieval of this complaint. 

TransUnion Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Open Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$2700.00} XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$1300.00} Terms : 1 Month High Balance : {$1300.00} Limit : Past Due : {$1300.00} Payment Status : Seriously past due date XXXX  XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$290.00} Terms : 1 Month High Balance : Limit : Past Due : {$290.00} Payment Status : Seriously past due date Comments : Account in dispute-reported by subscriber XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$5600.00} Terms : 42 Months High Balance : Limit : Past Due : {$5600.00} Payment Status : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$180.00} Terms : 6 Months High Balance : Limit : Past Due : {$250.00} Payment Status : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$5900.00} Terms : 29 Months High Balance : {$10000.00} Limit : Past Due : {$5900.00} Payment Status : Charge-off Comments : Account in dispute-reported by subscriber These accounts were not opened by me and are fraudulent. These accounts need to be removed immediately. 

Fraudulent Credit Inquiries : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX Auto Reseller XXXX/XXXX/XXXX XXXX XXXX Miscellaneous and public record XXXX/XXXX/XXXX XXXX XXXX Banks and XXXX & XXXX XXXX/XXXX/XXXX XXXX XXXX, personal XXXX/XXXX/XXXX XXXX XXXX XXXX, personal XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Auto Financing Companies XXXX/XXXX/XXXX XXXX XXXX, personal XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, personal XXXX/XXXX/XXXX XXXX XXXX XXXX, personal XXXX/XXXX/XXXX XXXX XXXX Banks and XXXX & XXXX XXXX/XXXX/XXXX
In XX/XX/XXXX I reached out to a company federal assets solution to work out a loss mitigation plan during that whole process the lender did not contact me and I was never appointed a single point of contact, all updated information was coming from federal assets solution of the Lost mitigation process.XX/XX/XXXX I personally started getting in contact with the lender. I submitted a loss mitigation packet my real estate broker submitted a short sale packet it was confirmed by the lender that all packets have been submitted and completed. Lender is in violation for continuing and moving forward with a foreclosure trustee sale date XX/XX/XXXX. Section 2924.11 prohibits recording a note of sale for conducting a foreclosure sale upon receipt of a complete application for a foreclosure prevention alternative starting XX/XX/XXXX the Dual tracking prohibition applies to all application for all foreclosure prevention alternatives.
XXXX XXXX XXXX EQUIFAX VIA XXXX " XX/XX/XXXX/ XXXXXXXX " XXXX XXXX XXXX XXXX XXXX CA XXXX " XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax XXXX and XXXX, I am writing to dispute the following information that appears on my Equifax consumer report : Dispute 1 " XXXX XXXX XXXXXXXX Reporting 4 times 2 of them are duplicates.

" Student Loan " XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  shows late payments, this is inaccurate. I am in deferment and I have the contract renewal from that year showing I was not late. The laon company made an error and provided me proof I was not at fault for this The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time.

I understand that under 15 U.S.C. Sec. 168i ( a ), you must complete the investigation within 30 days of this receipt of this request. Please send an updated copy of my credit report to the address above. I also request corrections be sent to any creditors who received my report in the last 6 months. Please also be aware that any negative mark found on my credit reports including Equifax from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must delete the entry.

Thank you for your assistance.

Sincerely, XXXX   XXXX
I submitted a request for a modification review on XXXX/XXXX/2015. At the time there was a foreclosure sale date set for XXXX/XXXX/2015. I was told that I was in review and they were waiting on a retirement benefit award letter. I was able to provide this to them on XXXX/XXXX/2015. My attorney 's office contact the foreclosure attorney and they advised them that they were going to postpone the sale simply because there was complication with the publication of the sale because of a tax lean, so they reset the sale to XXXX/XXXX/2015. My authorized third party was advised that I was in review and no documents were being requested as on XXXX/XXXX/2015. My attorney 's office contacted the foreclosure attorneys office again on XXXX/XXXX/2015 and they were notified that Ocwen advised them on XXXX to proceed with the sale. No written notification that I was not in review anymore was ever sent out and no reason for denial was ever stated other than impending sale date, when the review started XXXX/XXXX/2015. Please help!
Bank of America mortgage agent XXXX XXXX ran my credit without my permission on XXXX/XXXX/17 after I called to inquire about a mortgage program Bank of America has. I filed a complaint with the CFPB to request Bank of America have it removed after they would n't help me when I tried calling them. Bank of America said they would remove it. I was sent an inquiry-removal form with the wrong inquiry date, despite emailing a form to XXXX XXXX with the correct date ( I have attached a copy I sent to XXXX XXXX to this complaint with my ssn and phone number blocked out for security ). The date should be XXXX/XXXX/17, but Bank of America has it listed as XXXX/XXXX/17. The credit bureaus wo n't remove it with the incorrect date. I have tried contacting the Bank of America employees involved, including XXXX XXXX, who is supposed to be my contact my person on this, on multiple occasions regarding this, but have yet been given any kind of response as to whether they will fix their latest mistake, but have yet to receive any kind of response.
There was a credit inquiry for XXXXl XXXX credit card in XX/XX/XXXX. I was notified in XX/XX/XXXX that the hard credit inquiry was pulled. I called the bank to dispute since I didnt apply for the credit card and believed it was fraudulent activity. The XXXX XXXX bank sent the letter to let me know that they cancelled the credit inquiry since it was a fraud to all three agencies. However, Equifax never removes the inquiry and I have tried to disputed that with them 3 times. I faxed the copy of the letter from the XXXX XXXX bank to support my claim but still not fix. I would like to file a complaint against Equifax for that matter.
My name is XXXX XXXX and on XXXX XXXX, XXXX I was injured on the job. Since XXXX XXXX, XXXX I have not been working and only receive workers compensation checks of {$330.00}. My workers compensation lawyer, XXXX XXXX XXXX has sent XXXX XXXX a letter explaining my financial situation and my income. I have lost my vehicle, home furnishings and anything I had of value to try to pay my mortgage. 
On XXXX XXXX, XXXX I made a payment of {$810.00} to a Representative named XXXX my confirmation number was XXXX. I have been watching my checking account daily for this to come out of my account as I live day to day and keep a very close eye on every penny. Today I called and spoke with XXXX and asked about the payment I made on XXXX/XXXX/XXXX, she said that it had been deleted. Much to my surprise I asked why and she could not give me an answer. I asked if I could please make that payment again and to please note my account that I had made the payment on XXXX/XXXX/XXXX. 
I suspect that the payment was deleted because when I first tried to make the payment on XXXX, I spoke with XXXX and he would not accept my payment because it was only a XXXX month payment and he said that per their policy he needed me to pay two months. I told him that I couldnt pay two months as I cant forsee if I will have {$810.00} by the end of the month. I tried explaining to him numerous times that I am due a settlement here very soon and plan on bringing the account up to date. I asked to speak with a supervisor and while on hold I hung up and decided to call back and speak with someone else. When I called back and spoke with XXXX she immediately took my payment without a problem. 

This company calls me at least XXXX times a day. I block the number and they call from a different number. They send people to my house taking pictures and leave notices on my door. I have confirmed that I still live in this house and to not come back on the property and not to be taking pictures, however, they still do it on a monthly basis. Just a few days ago the man who came out here was armed with a weapon on his hip. I told him not to come back on my property. We have received up to XXXX letters a day from them. It 's ridiculous. 
I am paying Selene a payment every month, they will not take partial payments, or anything. I have explained over and over my situation. I dont like being behind on payments, and I have only 2-3 more weeks to go and everything will be fine again. I just want them to take my payments and stop harassing me. Besides a letter from my lawyer and me telling them what has happen to me I dont know what else to do. 

Thank you for taking the time to read my problemXXXX XXXX XXXX XXXX XXXX, NC XXXX
On XX/XX/18 I was charged an Overdraft fee of {$35.00} because I did not have the funds in my account to cover a check. That is fine, that was my error. 

On XX/XX/18 I deposited {$120.00} & {$100.00}. One check covered my overdraft from XXXX and the other was additional funds for my account. An auto-deduction of {$64.00} hit my account on this same day ( XX/XX/18 ) and my bank charged me another {$35.00} OD fee which should not be charged since the funds I deposited hit my account the same day. 

This seems to be a constant problem with Citizens Bank. This is my 3rd complaint against Citizens Bank for doing this exact same thing. I could see if my deposit had not cleared my account but it had cleared my account the same day and was available for withdraw. 

I have written to Citizens Bank about this and get the same response, nothing. I refuse to call them again and get into a discussion with them over this because they will justify it by saying the withdraw hit before the deposit. This is not true if they both hit the account on the same day. 

Would you please contact them and have the {$35.00} returned to my account. Thank you! 


XXXX XXXX XXXX
In XXXX XXXX, we filed XXXX XXXX bankruptcy. In XXXX XXXX, we completed our bankruptcy and according to our bankruptcy documents, we were to resume our original mortgage payment of {$480.00} in XXXX XXXX to our mortgage company Bayview Loan. This amount did n't include our current escrow, so we started paying {$650.00}. In XXXX XXXX, we found out they were cashing our checks but not applying our payments to our account. They claimed we owed {$11000.00} in back escrow. After NUMEROUS phone calls and faxes, we were sent a payment history from XXXX XXXX to present. We have been in bankruptcy since XXXX, where was the rest rest of our payment history? At first, we were told that was all that was available. Then we were told they were sending it but that there was an 8 month gap between their old system and new system that they can ' t provide. So far, we have received NOTHING! Also, we were requesting an escrow analysis because according to the payment statement we did receive, on XXXX XXXX, three months before we were to complete our bankruptcy they added close to {$11000.00} to our escrow account. Bayview has made numerous promises to get us documentation, provide us with a researcher, and help us determine if we owe this money and if we do, why it was added so late in the bankruptcy so it could not be paid off. They have done nothing. They have ruined our credit report we worked so hard to clean up and are now threatening foreclosure. Also, if we still owed arrears, why did they sign off on the bankruptcy completion papers saying all arrears had been paid?
My federal student loans through XXXX XXXX were being serviced through XXXX in XX/XX/XXXX through XX/XX/XXXX. I went from being an employed XXXX XXXX XXXX with children to unemployed/not enrolled in school due to an XXXX XXXX diagnosis in Spring of XX/XX/XXXX. I made my institution of higher education aware of my situation, as I was on a scholarship. I was immediately placed in deferment until I was able to return to class. I was never contacted by XXXX that they owned my loans or how to begin payments. I received a letter that they were going to garnish my income tax refund for tax year XX/XX/XXXX in XX/XX/XXXX. I filed an extension for my tax return until I was able to sort out the discrepancy. I contacted XXXX and informed them of my circumstances, as well as explained that I had not received any communication from them about my account at all. I was told I would be immediately placed on deferment by their representative and she requested proof of my income/welfare eligibility. I faxed in everything that was requested. I later discovered that XXXX placed me in a temporary forbearance instead of deferment and my loan amount ( {$4500.00} and {$2200.00} ) gained interest ( {$810.00} ) and was sold to a new creditor. The new creditor contacted me upon gaining ownership of my loans and consolidated my loans into one loan and I owe {$7500.00}. I have 28 late payments reporting on my credit reports in the 24 months they serviced my loans. While my 2 XXXX accounts show as being closed, my student loan is reporting on 3 different accounts- 2 negative accounts being XXXX. XXXX has unfairly and incorrectly reported my history to all 3 credit bureaus for years. Reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit and jeopardizes my credit worthiness. I have the right to fair credit reporting and want them to report accurately.
This is a charge off account with XXXX XXXX as they are now calling me and asking me for my social security number for verification which I am not at all about to give to someone I do not know at all. They have no right at all to be asking me for this information as again I am refusing to provide such info to them.
USAA Bank I received a text XX/XX/XXXX that my ex-husband had been added to my profile at USAA. When I called, the first agent told me there were 4 accounts under my soc sec that I was listed as trustee but she was unable to give me any info on the accounts ( I have three daughters ). The third agent that day with the fraud department started to give me the account info, then stopped because it was noted that he wasn't allowed to share info with me. Within 10 minutes, he claimed that suddenly my accounts " disappeared '' and that I no longer had accounts with USAA. 
Since, I have tried to get through multiple times - every other time, the agent says I have/had accounts and they aren't allowed to give me info because of their dedication to customer privacy. OR, they tell me accounts never existed. At one point, a woman walked me through the security questions so that she could give me XX/XX/XXXX ( and XX/XX/XXXX ) tax  paperwork ( I am responsible for the 4 of our filings ). Then, could not proceed without my ex verbally verifying himself as well, per notation on accounts that he was required to issue permissions.