WillisBack/dataset-financial-user-claim huggingface dataset:
I had attempted to get my credit report and to dispute things on my credit that do not belong there or enter a description of my response. I was not allowed to obtain my free annual credit report, was notified to call an XXXX #. I have tried going directly to the Transunion website, whom I 'm having an issue with, and received the same message. Called the number they provided and was told to call a different number as my report was with the fraud unit. I called the Fraud Unit, so difficult to maneuver there phone system, tells you you can apply for credit report by entering your info and a report would be mailed to you, that does not solve my issue. I called the 1st number again and was told to just enter my case number when the recording started. Tried this and after a while was finally able to get through. I explained the above and he wanted to send me to the online issues department. That is not the issue, it lies with the fraud department, I am locked out of my report, except for using XXXX XXXX that is, have no problem getting in to my report that way, just still ca n't dispute anything. Had to explain this issue 3 TIMES for him to understand what I was saying and then just tells me he ca n't do anything. This is NOT OK, this is my credit report and I have a right to dispute or comment on any item on my report. They can not REPORT things when they could be from a malicious source. I am a victim of tax fraud and just recently found out that my home network has been compromised. I have not been diligent enough in the past to keep up what was being reported but now I want to take care of my credit report but I am locked out and am being told there is nothing I can do, except for give him the information I want to dispute over the phone, NO!!! I have no idea what he is going to be doing or typing on the other side or have the assurance that it will be handled exactly how I wish it to be done.
On XXXX XXXX ( case # XXXX ) and XXXX XXXX, XXXX ( case # XXXX ), I filed to disputes the {$250.00} collection on my credit report by XXXX which located at XXXX, PA. ON XXXX XXXX, XXXX, which I checked my credit report for status, I noticed now, there are XXXX collections and they are duplicated reports for the same amount and the same dates on my credit reported for collections ( now, for XXXX x {$250.00} ). I called the Equifax to inform them for duplicated report error, They told me nothing they can do for me, I have a choice to open another dispute case which I did. The new dispute number is XXXX. Not only they did not put effort to resolve my disputes, they made my credit report worth than it was originally. The XXXX removed the report on my credit report on XXXX XXXX entirely.. It is very clear, it is their mistake. I need to remove the collection report entirely and the report by XXXX is not valid. Which I explained on my separate dispute regarding collection agency. 
The Equifax representative were extremely pushy and anxious to sell their service to me, which I refuse to accept it.
Equifax and XXXX was notified over 30-45 days ago referencing my XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX accounts not being reported. Creditors confirmed account ( s ) were being reported on a monthly basis. Equifax continues blocking my credit file from mortgage companies and/or other lenders that originate mortgages. 

From XX/XX/2018 to XX/XX/2018 Equifax forward calls to offshore company to handle the account with no resolution but to contact provider of the account " XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX. XXXX, XXXX state to contact the banks with no resolution otherwise.
I am 47 days late on my mortgage t o Capital One N.A. Th e payment is {$2200.00} per month. I just received a letter from them threatening me with foreclosure. They state I must send them {$6600.00} CERTIFIED FUNDS. ONLY THE TOTAL AMOUNT DUE WILL BE ACCEPTED. The month of  XXXX  is still 14 days away. What gives them the right to force me to pay  XXXX ,  XXXX  and  XXXX  at this time? What gives them the right to not accept my  XXXX  payment at this time?
I had a debt of {$64.00}. I was in the process of moving at the time the debt went into place so I never received any notification. The only way I found out about it was running my credit report. The debt was valid and I paid in full as soon as I saw it. With that being said today  XX/XX/2017    I called the company asking them to remove from my credit report because I was in the process of buying a house. They said no it was not against their policy. When I paid the debt I was never informed that they would not remove the debt due to their policy. I was never informed that this would not come off my credit report. If this is their policy they should inform people that when they call and pay the debt. I never received anything that this was their business practice
I lost my job in XXXX of this year. I was able to make payments on my credit card in XXXX and XXXX. In XXXX, my unemployment ran out. I called Capital One and advised them of the situation. I made my XXXX payment, but missed my payment for XXXX. I called Capital One again. They agreed to put me on a repayment plan, which includes no late payment fees, no over the credit limit fees, and allows me time to pay off the card. They had previously charged me XXXX late payment fees and XXXX over the limit fee ... .each XXXX being {$35.00}. They claimed at the time that my minimum payment was {$150.00}. This took my balance down below my credit limit, to {$480.00}. ( Credit limit is {$500.00} ) After removing the XXXX fees ( which totaled {$100.00} ) that *should* have made my minimum payment for XXXX {$45.00}. Nope ... .it 's still {$150.00}. Capital One continues to call me, insisting that taking those payments off my account did NOT affect my minimum payment, and that I *now* owe {$150.00} on a {$480.00} balance. That 's a THIRD of the outstanding balance. I 've advised them that they need to fix my account, since my payment is messed up. They refuse to do so. I 'm almost to the point of telling them where they can put their XXXX card!
I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit.
I have requested verification and validation from this company and they refuse to provide it to me. I sent them a certified letter requesting this information. They have no provided to me in a timely manner. This is my formal and last request for this information. You can email this information or mail. My email is XXXXXXXXXXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Last XXXX of my ssn are XXXX and my date of birth is XXXX. This information needs to be removed off of my credit since you can not comply with the law. I will file a suit against your company if needed to protect my rights. I also see that you are based out of XXXX.. Are you bonded to collect in my state?
Equifax is reinserting deleted accounts on my credit report.  XXXX   XXXX   XXXX  has resurfaced on my credit report after it has been deleted without a 5 day notice which is a violation of the FCRA. The account number on this account is  XXXX . This account was deleted more than once from my credit report and now its reinserted without my knowledge again.
In XXXX I called a loan originator at USAA to get pre-approved for a VA home mortgage loan. During that phone call I thoroughly explained that I had, at the time, worked for my current company for 1 year and 3 months. I also explained that I am paid an hourly rate on a guarantee of 70 hours a month, unless I work more, then I am paid for the hours I work ( which is on average around 85 hours a month ). Based on that information, the originator pre-approved us for a certain amount under the income of about XXXX pay hours a month ( my actual income ). We then used that pre-approval to find a house and sign a purchase contract. After signing the contract, we then moved forward in the purchase process by both moving forward with USAA in the loan process and having inspections done on the house ( totaling {$430.00} ). 

After submitting all the required documents to a loan processor, the loan went to underwriting, where it was denied. The processor tried several submissions, but each came back with the same denial. The reason behind the denial was that they could only use the guaranteed amount, since I had not been employed with my current company for at least 2 years. This is a basic VA mortgage loan rule. As a result we had to back out of the purchase contract and the house went back on the market and was then sold to another home buyer. 

I feel that since this is such a basic VA rule, the loan originator should have known it, and should have based the pre-approval the guaranteed amount, not my actual income. Had he done so, we would not have signed the purchase contract, and, more importantly, not have done the inspections on the house, which cost us {$430.00} out of pocket. Therefore, I believe that USAA is responsible for the loan denial and should reimburse us for the inspections fees, but they refuse to do so.
In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I was never notified that this happened because I moved, nor was there any worries about making payments since XXXX XXXX approved a loan forbearance. I disputed with XXXX that I had XXXX student loans in forbearance and XXXX XXXX placed them in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, XXXX did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates that XXXX XXXX agreed to honor ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of my XXXX and XXXX report for reference. **Update : I reviewed my credit report and the Charge-Off in XX/XX/XXXX seems to have fallen off ; however, as retaliation XXXX has reported a " Failed to Pay '' in XX/XX/XXXX. The account was consolidated and XXXX was Paid in XX/XX/XXXX. Also, this is the same dispute I have with XXXX XXXX XXXX. I have attached their response ( XXXX Response.pdf ) for reference. Please note the XX/XX/XXXX date that XXXX has been reporting delinquent, but was not the account holder until XX/XX/XXXX.
I have XXXX paid loans from XX/XX/2006 that show eight late payments that need to updated. I was not late. I was actually in school at the time at a new school. I paid these off in full, as well.
I am a XXXX in college and have an issue regarding 2 hard inquiries on my XXXX   account. The credit reporting service I use is XXXX XXXX and when analyzing my Credit health, two hard inquiries are still present, which is false information. I contacted Discover Bank ( where both inquires came from ) last year, and both inquiries were removed off of XXXX and XXXX. 

XXXX First Inquiry : XX/XX/2017 Discover Bank Second Inquiry : XX/XX/2017 Discover Bank
In XXXX I was XXXX and had to begin my rehab at the XXXX XXXX XXXX XXXX, XXXX XXXX, and Georgia XXXX of XXXX, GA. Prior to that I had a XXXX credit from which I was never later along with insurance coverage on the card if I was hospitalized or deceased. I was still making monthly payments prior before to the insurance company being notified of my health. When I was able to fill the paperwork the insurance company began my making my monthly payments. 

I was contacted by XXXX to verify my health and the information was provided by my Doctors from all that was handling my medical care, thereby relieving me of this debt annually until my health resumed. I was getting well be still under the doctors care, only to get XXXX XXXX XXXX and when I recover from that in had a XXXX, XXXX, XXXX, all in XXXX, XXXX, XXXX. I have been under doctor care at the VA XXXX XXXX and XXXX XXXX XXXX XXXX for the last 8 years and I am totally XXXX. 

I have despite this claim with XXXX from my credit report dated XXXX XXXX, XXXX confirmation # XXXX indicating that I never signed or open any financial credit card, loan, etc. account with Asset Acceptance Corporation nor have I any legal financial obligations with them. I stated this by letter to them in XXXX and filled out my dispute on my credit report XXXX, XXXX XXXX, an XXXX. According to my loan officer it only appears on XXXX. Asset Acceptance Corporation has continued to leave this fraudulent information on my credit report for years now and I want it removed immediately.
I have contacted Transunion on several occasions regarding inaccuracies to my credit report and I have received constant push back. I wrote letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX also have spoken to representatives via phone about the inaccurate information. Transunion has yet to remove the items that are on my credit report. Despite my multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? Transunion still have not identified who in their company verified the accuracy of these accounts or how they verified them? Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

I dont know if this error is intentional or not, created by your system, or by the entity who reported this to you, but this is affecting my credit & my score. This is an important issue for me, this affects my finances & it has come to a point where I cant even sleep well at night. As you can see, this list is detailed and quite self-explanatory, I demand you to put as much effort as needed to resolve this issue as soon as possible. 

Items : TO BE REMOVED 1.XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
This company charges an interest rate of 783 %. I was recently made aware that in Maryland, the maximum amount of annual interest on a loan under {$1000.00} is 33 %. I tried to contact Big Picture Loans in reference to this interest rate and an attempt to settle this debt but the email sent came back undeliverable. I have already made XXXX payment of {$180.00} which is interest only.
I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX/XXXX dated XX/XX/XXXX, XXXX XXXX XXXX datedXX/XX/XXXX and COMPASS BANK dated XX/XX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.
After pulling a copy of my credit report i noticed that this company is reporting inaccurate information on my credit report and i have disputed this with the credit bureau as well requesting that this account be removed off of my credit report immediately.
I been a victim of fraud and identity theft i been trying to fix this for a while with the creditors and there crdit cards banks card and retail card that been open for years o been trying to resolve all this round a round i get from this companies that say theres nothing open. I done reports of this online abd still don't get resolved..
On XXXX XXXX, XXXX ; after attempting to get a car loan I found out that Experian had merged my information with a another similarly named individual and had taken his credit information and merged it with mine. His information was the sole reason why I was unable to get the loan. After a few days I was able to resolve the merge but the subsequent hard credit pulls has damaged my credit in such a way that I would not be able to get the loan. Experian would not cooperate in helping me resolve this situation.
I have noticed several inquries being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XX/XX/17, Capital one Auto Finance XX/XX/17, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XX/XX/17, XXXX XXXX submitted a inquiry on XX/XX/2017 and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.
I was previously enrolled in credit protection through Citibank which i was charged a monthly fee and I never gave consent or any knowledge of this service.I believe this might have been added into the tax part of my monthly payments without my knowledge also..valid approx. XX/XX/XXXX-XX/XX/XXXX
Experian was sent an initial letter of a problem on my credit report. They have been sent up 4 letters after they claimed to do an investigation and stated information was verified. They have been sent several letters asking for documentation. They only thing sent back is they have verified the information. After filing a complaint with CFPB they responded stating I would receive information only to be sent a letter stating they they were unable to honor my request based on the information sent. It was the same information that was sent when they stated they verified the information ; a copy of my utility bill, a copy of my social security number and a notarized letter stating my rights as a consumer, what I wanted from them and how I would like the issue rectified. Again ; Experian has not complied with federal law.
Collection account reported by XXXX XXXX XXXX on XXXX/XXXX/16 for the amount of {$130.00} for original Creditor : XXXX. Last Reported XXXX/XXXX/16. Reported on TransUnion and Possibly XXXX. I have paid this bill already and has not been removed, I called TransUnion but they were unable to help me. I called XXXX XXXX XXXX but they referred me to TransUnion, I am being bounced around. I have proof of Payment confirmation for the amount due and will attach it. Please fix this as soon as possible, thank you.
My wife and I use USAA as our finachial institution for direct deposit, payment of bills and auto/rental insurance. The main frustrating issue I have with USAA is getting charged non-sufficient fund fees. I feel that NSF fees are thefts being made to consumers who are forced to use banks for making payments. It is unfair, it is unethical, it is wrong for USAA to steal from me ( and people like me ) and yet at the same time have a net worth of over XXXX XXXX dollars. I recently received three NSF fees : XXXX XXXX, 2017 CHK # XXXX {$29.00} XXXX XXXX, 2017 NSF FEE - ITEM RETURNED ACH - XXXX XXXX {$29.00} XXXX XXXX, 2017 NSF FEE - ITEM RETURNED ACH - XXXX {$29.00} I called USAA in regard to this matter and I was told that my account can no longer receive any NSF fee reversal due to NSF fee reversals in the past. I can not afford to have USAA steal {$87.00} from me in addition to the three company 's that I have revived fees from also.
We bought a home in 2014. We have never misse a payment. XXXX XXXX XXXX sold our loan to another lender and is now saying we missed a payment in 2014 and have dinged us since. This was part of the loan sold and they are attempting to collect twice what they say is owed. They were never missed inthe first place.
I called both companies to let them know I was not the one inquiring about airline credit cards and needed it disputed. I was let known I was not in their system and they could do nothing to help even though it was on my credit.
I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with them nor have the ever provided me with goods or services
This complaint is about First Associates : XXXX which company is responsible for receiving the payments for my loan for school, University XXXX . The complaints are as follows:1. The company does not offer me visibility to the daily debits and credits to my loan account. All transactions are lumped into a few lines in each of my monthly statements. 
2. The company has severally made errors in computations on my account, the latest of which is that a payment of {$1200.00} which I made to the account was not recorded in the relevant statement ( see attachments ). I can provide additional example of errors made in the past on my account on request.
Synchrony bank closed a credit card, I paid off because they did a financial review and I had a different card with them that I was 1 payment past due on, because I had a reduction is work hours, which I had scheduled the payment and it was pending. This account the closed was paid in FULL, had nothing to do with the other card or the payments with the other card. This is udder BULL. They charge you two payments and up your scheduled monthly payment if you are 1 payment past due. If you owe them XXXX past due payment and the new payment XXXX, which i not considered past due, They charge you a total payment due of not XXXX but of XXXX, then report on your credit you are two payments past due, when you are only 1 payment past due. How is this allowed. Okay so they charge you XXXX past due, they go ahead and up you next scheduled payment to XXXX instead of XXXX. They change the terms of your credit. I am sorry this should be illegal and they should not be allowed to do this. This is why all of sudden someone who had a great credit score is now a poor score. You bank of paying XXXX communicate to them, they still call you 50 times a day, no joke. In one day they called me 35 times, each time I had to tell them I have schedule the payment, however they claim you have not scheduled the payment or communicated to them. " LIARS ''. You have to continue to repeat to them, I am late due to loss of income. Seriously someone who pays their bills and has a record of doing so does not just ignore their obligations. I feel like this bank should be investigated for fraud and a class action LAW SUIT should be filed against them and I would like them to be fined for what they have done to folks. I ca n't wait to pay them the other XXXX on the other card and I will close the account. I will send them the CARD in a XXXX tiny pieces. They are ruthless. I understand the late fee, but to double the payment and close account which has nothing to do with the one I am past due on, ILLEGAL!!!!!!!.