WillisBack/dataset-financial-user-claim huggingface dataset:
I have sent in a few disputes to the credit bureaus to get a child support account off my credit report that is not mine. Ive been battling with the state attorney general office and this process of disputing with credit bureaus and have had no success. I pay child support only on one kid but the other child support account that is showing at XXXX something XXXX dollar balance is not mine and Im hoping that some sort of documentation will help clear this matter. The document the OAG sent me was last year. I appreciate this site for being here to help
I kept denying to get my frist personal loan and I'm new to credit score and I have a payment in like 3 more days left from today ... why can't I get one? I have bad credits or good credits I just started I should be able to get a chance so that I can fix my credits
CapitalOne will not request the title from CA even though I have a buyer lined up to purchase the vehicle. They will only request the title if you are changing the name or the state of the title.
THIS IS A ONGOING SITUATION I HAVE FILED EVERYTHING WITH THE PROPER AUTHORITIES FTC, XXXX POLICE, CFPB, AND XXXX. MY PERSONAL INFORMATION WAS COMPRISED AND SOMEONE WAS USING MY ID AND SS TO OPEN ACCOUNT AND UTILITIES IN MY NAME. I HAVE NOT LIVED IN XXXX OHIO IN OVER 10-11 YEARS. XXXX AND XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
I have a  walmart  card with synchorny bank. I had a  XXXX  limit, I just recivied a letter from them that they have reduced my credit limit from  XXXX  to  XXXX  i owe  XXXX . This decision was based on my other creditors on my credit report and the fact i was late  XXXX  time this year. First my credit is not good due to a lot of things namely a divorce this past yaer and hurricanes and what not. I would have no problem with my limit being reduced but not to the point it puts me at 100 % now my score will tank  XXXX  more points. Its not bad enough the late payments hurt you like they do, but this is just plain underhanded.     How can they base your credit on another creditor thats is not fair in any and it should not be legal. For  XXXX  a big bank amazon picked the wrong partner. Unfair credit practices.
Citizensbank has charged me {$490.00} in overdraft fees, by minipulating my account, double charges, and holding checks and deposites. I have opted out of " overdraft protection '', and take frequent screen shots of my account to document their illegal practices./
I received recently onXX/XX/XXXX a notice/attempt to collect a debt from XXXX XXXX XXXX XXXX.. I sent midland via certified mail onXX/XX/XXXX a debt validation request letter. I received from midland on XX/XX/XXXX pretty much the same document which they sent in XXXX as a response for my request for validation. The package included a simple statement from midland saying they found their information in their notes to be correct. Midland also sent me a letter which anyone from their office or outside of their office could have typed which looks suspicious in nature saying midland purchased a debt of {$740.00} from XXXX XXXX  for a r us credit card ending in the last four digits of XXXX. Midland failed to provide sufficient proof of this debt owed and or rights to collect via an original signed contract by myself. I requested debt validation under the Fair Debt Collection Practices Act, which is established as consumer legal protection against abusive consumer collection practices. 

I am requesting that midland stop all deragatory credit reporting to all three credit bureaus and that midland removes the deragatory Collection account from all bureaus as well as cease and desist collections attempts and contact as they were offered legally the opportunity to validate this debt and failed to do so.i have also filed a complaint with the Illinois Attorney generals office under reference number XXXX. 

Regards, XXXX XXXX
I endorsed my paycheck with signature and account number, I also added my bank mail address to front of check. Then I asked my wife to deposit my paycheck into my Bank of America account. The bank teller gave my wife a difficult time about accepting the deposit and told her she should have taken the check to an ATM, then they demanded ID and other items for her. She was only acting as my courier. Finally they accepted my paycheck but deposited into the wrong account, a joint account I have with my wife. 
This is not the first time this has happened. I called the bank and complained vigorously that evening. The following day my wife went to the bank and demanded they fix the mistake On other occasions, the teller has instructed my wife that if she were to deposit checks written to me into her joint account, she could then draw the money out or have access to the money. My wife and I have an excellent relationship and we keep our finances separated to help with that.
I told them that I am a victim of their inquiry issue and they didnt delete all the credit hard inquiries.
The company Halstad keeps contacting XXXX XXXX without my consent and leaving messages after he has stated that I do not reside there and to not call.
I have called and faxed Transunion several times and they refuse to remove inquiries on my report related to idenitity theft. They are infringing on my rights covered under the FCRA. I have reattached my Identity Theft form that I sent to them. As a summary, the following inquiries need to be removed as I gave no permission and my SSN was compromised : - XXXX XXXX on XXXX/XXXX/XXXX - XXXX on XXXX/XXXX/XXXX - XXXX on XXXX/XXXX/XXXX -XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX -XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX - XXXX XXXX on XXXX/XXXX/XXXX -XXXX on XXXX/XXXX/XXXX - XXXX on XXXX/XXXX/XXXX -XXXX on XXXX/XXXX/XXXX -XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Please remove these fraud inquiries ASAP. I have asked several times and have provided supporting documentation.
Experian XXXX, XXXX collection was removed after I sent ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of Maryland for XXXX XXXX County case # : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX MD XXXX SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " XXXX '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS XXXX WILL BLESS YOU I AM SUREXXXX XXXX XXXXXXXXXXXX
So I recently find out that all XXXX credit bureaus mixed my credit history with my XXXX brother 's credit history into XXXX single report. I already contacted all XXXX bureaus with this dispute. Unfortunately, XXXX is the only credit bureau that handle this dispute as a professional company. XXXX is able to fix this dispute within XXXX hours and I received the corrected report already. However, Equifax and XXXX are the worst agencies I have never encounter. When I contacted their representatives, they all refuse to apology for the error. XXXX admitted their error on their end ( because all my information was reported under my SSN they simply just put all my info under my brother 's name. I saw a report with XXXX name and XXXX SSN which is pretty funny but XXXX was able to separate and fix the mixing error ). Those XXXX companies keep claiming that it is my creditor 's fault for not reporting the information with all detail ( as they claim they never receive my SSN so all my information were filed under my brother 's name and SSN which means I do n't exist in this country ). This get me very frustrated, as XXXX actually receive all my information under my XXXX how does the other XXXX agencies not received the same information from my creditors? Clearly, those XXXX agencies ' employees were sleeping when collecting my information from my creditor and failed to notice my SSN number on the reported credit info. Second, the representatives ask me to mail in a copy of my SSN to prove my identity so they can handle the dispute " properly ''. I comply to the request yet its been XXXX XXXX weeks and I have n't ' heard back from them regarding the status of the dispute. I try to pull my credit report from XXXX and it is still stating no information under my SSN is available. ( As they still have n't separated my credit history under my brother 's SSN ) I demand an immediate response from both Equifax and XXXX response. Especially XXXX, the phone representative made a verbal agreement that the supervisor will contacted me within XXXX hours after my phone call but I never received any phone call from the so called " supervisor ''
2 credit card are liste d on my credit report that I never opened or used.   XXXX   XXXX  . opened on    XXXX   XXXX   XXXX   balance {$310.00}.    XXXX   XXXX  opened   XXXX   XXXX     balance of {$12000.00}. neither of these accounts are mine.
I have been turned down living circumstances and other financial services because XXXX and trans union XXXX all 3 agencies have been contacted to no avail. Information on reports is past the reporting periods even bankruptcy. 

They were told they could receive fines but just hang up. There are addresses that are not mine and names. 

Ive even paid agengies. But having a denial of a place to live is now causing me great personal harm
Tower loan keeps harrassing me wanting payment when I have filed bankruptcy. Sent letter and spoke to tower loan to let them know I have filed bankruptcy. This company is harrassing me.
Experian is still listing an account that is past the 7 year reporting period in violation of the FCRA. XXXX XXXX XXXX account number XXXX. 
Attached is a copy of the item on my Experian credit report. Please note the STATUS DETAILS where it states that this account is scheduled to continue on record until XX/XX/2017.
I spoke to the person who called me and I told him that I just had XXXX and I have been out of work for 15 months due to an injury that occurred at work. I promised to start making payments as soon as I return to work.
After requesting a refinance, we met with a Wells Fargo Bank Officer, with whom we did not find favor. We had paid our loans down, the interest rate was low, a refinance would have solved our entire financial difficulty, met all our financial goals providing for our family, serving our patients in full capacity. 
While The Courts ordered Wachovia/Wells Fargo to pay the expenses and apply the rents toward our promissory notes, Wachovia/Wells Fargo referred all the tenants back to us for repair, maintenance and all aspects of management issues. 
Wachovia/Wells Fargo led us to believe that by us paying the expenses, we will obtain a clear title in our names for our properties in a very short time. Therefore, we borrowed monies which added up to the equivalent of what we owed on our notes to Wachovia/Wells Fargo. 
In addition, Wachovia/Wells Fargo did not apply the rents to the XXXX/promissory note as ordered by The Courts ; accordingly, we paid the XXXX from our own personal funds. Moreover, Wachovia/Wells Fargo hindered all our abilities to refinance and would not provide us or other Banks with the pay off on our loans. 
The time Wachovia/Wells Fargo refused to return our calls was the same time we discovered Wachovia/Wells Fargo selling our notes to a client of a tenant in the Wells Fargo Bank building. 
Attached, please find Court documents ordering Wachovia/Wells Fargo to pay the expenses and apply the rents to the promissory notes ( XXXX of the notes is the XXXX loan ). Also, please find supporting documents for some the expenses we paid on behalf of Wachovia/Wells Fargo. 
Also attached, please find supporting documents to get alternative financing, paying for title search, closing cost, etc. However, there is the issue that the note holder hindered all our abilities to refinance, following the same path of Wachovia/Wells Fargo. 
Now in our sixties, after we put all what we have earned to pay down our obligations, to secure future for our family ; the Bank handed everything we earned, our investments and the dividends on our investments to a client of a tenant in the Wells Fargo Bank Building ; leaving us with an accumulated debt of millions of dollars, and without our medical building and pension fund building.
I have many unauthorized inquiries on my equitably credit report which I submitted a dispute. Equifax did not investigate they only notified me about a week later that these items where authorize in which they were not.
Dates : During months of Mid-XX/XX/XXXX - XX/XX/XXXX Company : Equifax Inc.
Summary : " Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some U.K. and Canadian residents were also affected. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' Due to this incident, I believe that my personal information such as SSN, Addresses, Credit Card numbers may have been published on the internet. This places my identity at high risk of theft and makes me a prime target. I would not be placed in such situation if it was not for the lack of security at Equifax Inc.
I have a SYNCB/WALMART DUAL CARD. Unbeknownst to me, my credit line was erroneously lowered back in XX/XX/2014 from {$8000.00} to {$1500.00} without any notification. This has had a negative affect on my credit and FICO score, despite both being high. Still they were adversely affected. I am requesting for the original credit line to be reinstated.
We purchased our home in XX/XX/XXXX. 3 months later a representative of Regions Mortgage came to our house ( unsolicited ) and offered us a 15 year, {$35000.00} 2nd mortgage. We accepted and made our payments via EFT. NOT ONE TIME did this lady explain to us that it was a balloon loan. We made our payments month after month, year after year, until last XX/XX/XXXX when we refinance our firstmortgage. The loan officer asked us if we wanted to include our 2nd mortgage to which I responded "  No, we have almost paid that loan in full. '' Then when we checked our balance we discovered that we sill had about {$33000.00} to pay. I called regions Bank and asked them about the balance and that was when we found out that it was a balloon loan. Is there anything at all we can do about it now? My husband and I are not stupid people but when I found out that we had been paying all these years and were almost at the end of the 15 years I almost literally had a XXXX XXXX.
XX/XX/2019 My mortgage was sold recently, it used to be XXXX but they sold it to MrCooper.com. I went to the new mortgage lender 's site and registered so I could download monthly statements after I make my payments each month. I noticed there is no loan balance on the monthly statements. There is a breakdown of each payment such as principle vs. interest, but NO LOAN BALANCE on my statements. That is required by law. I have contacted MrCooper.com more than once through their online message system but they refuse to respond and they have not changed the monthly statements either to include the loan balance. I don't have an escrow account, I pay my property taxes myself directly to the county assessor 's office, so this is just about my loan balance -- I need to know what it is each month and they're required to provide it to me. They won't do it and again, they won't respond to my concern either. This seemed to be my only avenue to get them to both reply to my concern AND to provide me with my loan balance as required by law.
Received notification from credit bureau regarding debt of XXXX from XXXX this was a previous debt that was previously disputed and resolved by XXXX XXXX and it was verified that the debt did not belong to me and the credit was deleted in XXXX. I have no knowledge of this creditor i was never notified via mail nor phone regarding debt
Retired at XXXX couple yrs ago. Yr ago rolled 401k to supposed conservative investment at XXXX XXXX. Lost $ XXXX first month. Couple months later went to Regions Bank on XXXX XXXX XXXX where had checking and savings. Told financial guy wanted to put $ XXXX in FDIC insured IRA like I had at XXXX XXXX. He said he had large insured IRAs paid more with variable yrs from 2 to 7 yrs up to 2.75 % only guarenteed .45 %. I asked him and branch manager sure they were FDIC insured and they said they were. They had stack of papers to sign on disclosure stuff. Split $ XXXX into 2yr, 3 yr, 4 yr, 5 yr IRAs. Several weeks later got large package in mail of documents and states all over them not insured. Went to bank and manager pulled up my account and he said my account is through there bank and insured for $ XXXX I put in bank. Looked through the original papers and found sheet they had hid in disclosure statements paper stating nothing insured. These guys lie and steal from seniors.
The U.S. Department of Education discharged my student loans as a result of my total and permanent XXXX on XX/XX/XXXX. Navient in turn discharged my student loans and reported this to all XXXX credit bureaus on XX/XX/XXXX. The Florida Department of Education received notice from XXXX on XXXX XX/XX/XXXX that my loans were discharged. Nonetheless, and inexplicably, the Florida Department of Education reported my loans not as discharged, paid in full, with XXXX balance, but rather reported them as in a balance status of {$100000.00} and {$95000.00} on XX/XX/XXXX. Now, each of the XXXX credit bureaus -- XXXX, Experian, and XXXX -- is incorrectly reporting that my loans are in balance status when they have been discharged by the US Department of Education and XXXX for total and permanent XXXX and should show XXXX balance, paid in full, and closed. This represents deliberately false reporting to the credit bureaus and is discrimination against a XXXX person. These loans have been discharged for over 130 days. Please immediately resolve this and ensure that all parties and all credit bureaus show these loans as discharged, paid in full, and closed, with XXXX balance.
On XXXX, 2016 I purchased chocolates from XXXX at the XXXX in XXXX. The saleslady rang my purchase for {$86.00} when in fact it should have been for much less. When I brought this to her attention she apologized and said the sale has already been processed on my Macy 's credit card. To rectify the situation she rang up a credit on my Macy 's credit card thus effectively cancelling out the erroneous charge. When my statement from Macy 's came I noticed that the initial charge was processed but not the necessary reversed charge. I called Macy 's right away to dispute the charge and then as required I followed this up with a written dispute providing copies of the charges made by XXXX including the reverse charge. Instead of following up on this, Macy 's sent me a letter claiming that since my credit card was not stolen or used fraudulently the charge was my responsibility. Macy did not even bother to address the issue about the reverse charge I was giving to cancel out the erroneous charge. Instead Macy 's was quick to threaten to report me to XXXX Consumer Reporting Agencies for failure to make the necessary payment for something I do not owe. At the very least, Macy 's should have gotten in touch with XXXX to get a better understanding of the situation.. XXXX not only furnished us with copies of the sales receipts they also offered to help in any way they can to put the issue to rest.
I have a loan with bank of new york servicing company is XXXX, first i was doing loan modification the bank did not qualified me then they offer me short sale in writing all this time their lawyer has been harassing me with dual tracking having me in foreclosure posting papers on my front door even do i have approval from loan modification and then short sale is almost impossible to speak with an associate they claim that my house does not have sale date with is untrue because it shows in the public records that the sale will be XX/XX/XXXX, so i hired an agent working for XXXX we already submitted all the information with the offer of qualified buyer every time they said that either they not receive the documents or they are missing is impossible to talk with the person on charge XXXX she never ever answer never different people would tell you different things misleading the homeowner in distress all i got is harassing letters from unprofesional record XXXX with really bad reputation with documented cases in all the social media by the way XXXX many phone calls i made to his office and they totally hung off the phone on me and one associate call me filthy XXXX because my accent they are pretending that they want to help but time is passing and the sale of the house is close, they send me letters with big numbers not according with my records impossible find out because they do not answer and change personal every month so looks very disorganize very unprofessional i have my agent working hard to get buyers and he is having the same issues XXXX is a prestigious company i guess they can testified that i am telling the true i hope lawyers from XXXX step in this case, i think they are malicious pretending that they want to help but facts show the contrary they making it hard for us totally misleading us.
A debt collection company ( CBCS ) continues to harass me an d try to collect on a debt that has previously been paid. I have subsequent billing statements that show the debt as no longer being owed, and that I am 100 % current. 

On their first attempt on XXXX XXXX, 2015, I sent a cease communications letter that explained that their charges were in error and that I choose not to work with a third party collection agency. 

On XXXX XXXX, 2015, they sent an additional letter demanding payment. I replied stating that I do not wish to work with a third party collections agency and to please cease communication with me in regards to this error. 

Today, I received a third harassing letter demanding payment for a debt that I have previously paid in full to the original creditor. I have penned a third cease communication letter and will mail it out in the morning certified mail. 

I have copies of the certified mail receipts for the first two letters, and a copy of the letter 's themselves if needed. I suffer from XXXX ( XXXX ). I just want this harassment to stop! 

Please feel free to contact me for additional information. 

Thank you!