WillisBack/dataset-financial-user-claim huggingface dataset:
There are several accounts reported on my credit report that I have disputed due to inaccuracy and failure to validate this debt as I requested. I contacted this company and requested them to validate their claim as well as the information I know to be incorrect that they are reporting on my credit files. The phone number listed on this account is invalid, and there is no way to contact them. This account was opened in 2007, and should not be listed on my account as a negative account with inaccurate information. They are continuously reported my accounts as bankruptcy when these accounts are not in bankruptcy. All of my loans have been consolidated with another lender. Being that they are not able to validate their claim or their information or given me the opportunity to dispute their claim is a violation of Federal Law
I had three credit inquiries from XXXX of which two were not authorized by myself. I have attempted since XX/XX/XXXX to have this removed from my credit. XXXX has supplied me with two letters requesting that the credit bureau to remove them from my account for fraud dates XX/XX/XXXX and XX/XX/XXXX. I have disputed online several times, uploaded both letters from XXXX online to dispute, and mailed both letters to Equifax of which they are refusing to remove. I called XXXX again today ( XX/XX/XXXX ) and had them to initiate a second request to the credit bureau to have them removed.
I opened citigold account XX/XX/2016 with a promotion code which said will provide XXXX TYP points once I make two consecutive monthly bill payment. After I applied the account online, I called to their service center and the agent confirm the offer. After I reach the requirement, I online chat with citi agent, and they confirm I met the requirement, and will receive the points after 3 month from the day I opened the account. When the time came, I did n't receive anything, and I did the online chat again, the agent once again confirm that I will receive the points, and asked me to wait. After another month, I called to the service center, the agent helped me to submit a points request, after 10 days I recieved a mail claimed I 'm not target to the promotion, so I wo n't be able to receive the points. I called another two times, they all end up with a mail with the same not target answer.The third time they ask me to fax the online chat history as the proof that their agent promise me for the points ( they should be able to achieve all those information, since they recorde all the phone call and chat record ), I did saved the chat history, and I fax them the whole chat, but at the end I still on receive the same mail with the same answer. I 'm so fraustrated and end up close the account. But recently, I saw many people got the same situation and be awarded the promised promotion bonus. It 's so unfair.
The statue of limitations for the State of Texas is 4 years, and I have not received any money from a loan in the last XXXX years and this was explained to XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX California XXXX when they called me, but they continue to call and send me letters. I am named in a Class Action Suite Against them notified by XXXX XXXX XXXX but have not had any results of the lawsuit since XXXX. They have continued to harassment telling me that they will report me deliquent to the credit agencies until I pay them the {$11000.00} that I owe them. The last letter they sent me was XX/XX/2016 saying I could pay a 70 % discount of only {$3300.00} or 12 months of {$460.00}. I think the lawsuit did not go through so I am filling a complaint against them for myself because they will not leave me alone. They have called me so many time that the phone line with XXXX XXXX XXXX did not work and I had to close the account. Please help me to get them to stop harrassing me until I die. Thank you.
On XX/XX/XXXX, I legally changed to my married name on my XXXX State driver 's license and US Passport. I contacted PNC Bank to ask how to change my name with them. They supplied me an address to physically mail a request to change along with supporting documents. I called 10 days later to confirm they received it. They stated it was changed on the loan only. I requested them change it on my vehicle registration and Title as I could be cited in a traffic stop for my registration not matching my ID.I complained online on XXXX on XX/XX/XXXX that PNC still hadn't changed it. That afternoon i was contacted by their resolution team by XXXX XXXX ( XXXX # XXXX ). I responded with an email of my best times to speak on the phone as she requested. That next day ... no call. I called the number she provided and after getting out to 4 different consultants, I was given to XXXX XXXX XXXX. She told me to contact my DMV and XXXX   Dept of Motor Vehicle registration and see what they told me. These places all said she had to handle it. I also during this time, contacted my XXXX XXXX tag office to ask them what they suggested. I have an email proving they stated it has to be done by PNC. XXXX said she would research and get back to me. On Monday XX/XX/XXXX, i called and spoke to XXXX XXXX at PNC and she said XXXX XXXX was out but she would inform her to follow up. I literally left a message daily after that to see why she hadn't called me back. I called XX/XX/XXXX & XX/XX/XXXX and requested that someone contact me regarding my request as XXXX XXXX has not returned my calls. I spoke with XXXX and XXXX at PNC Retail escalation ( I have their extensions as well as call logs proving this ). They all refused to assist me and kept saying XXXX XXXX would contact me. They also verified she was at work to respond to me. I was told her manager would also be made aware of my concerns. Today, XX/XX/XXXX, XXXX called me and informed me that XXXX XXXX said she never spoke with me even though PNC has recorded lines. He said he would be taking over and asked for my ID information again after i had confirmed PNC received it along with my request weeks prior. He said he would research how to change my name on registration and title. I asked him if he would like the email from the Tag office stating it was up to PNC. He refused that. I feel like PNC is refusing to perform what i have requested as a loan holder and i have provided everything needed for them to accomplish this.
I submitted a complaint in XX/XX/XXXX regarding a " delinquent '' US bank line of credit with CFPB. I was rewarded my desired solution in that they were supposed to REMOVE the account from my credit report. What US bank did was mark the account as paid and closed, but what I 'm currently finding out is that it still shows up on my credit report as a delinquent account and it is affecting not only my credit score, but I am not able to refinance my student loans from XXXX school because of it. It 's severely affecting my life once again with an account that was never delinquent and it was declared in my favor back in XX/XX/XXXX, but US bank never did their job. I 'm assuming you can pull up the complaint from XX/XX/XXXX, which is why I 'm sparing you the details of the issue. They should already be on file. The short hand version is that I closed my account with them in XX/XX/XXXX and they failed to close the account, made a new " rule '' to charge accounts without a minimum balance and started to charge me every month without ever calling me or sending me any bill in the mail, so I was unaware of these accumulating charges with an account I assumed was closed. I never knew of the issue until I tried to get a mortgage loan and my lender found this on my report. They are very wrong in this situation and now they are wrong again and negatively affecting my credit once again.
In the beginning of XXXX of 2018 I sold my XXXX which was leased through gm financial. The vehicle was paid in full and I had a XXXX  balance on the account. On the XXXX of XXXX they took an additional {$340.00}. I called gm financial and they said it was an error and I would receive a check in the mail. The said they would discontinue the payments being taken out of my account. I never received a check. Now again on the XXXX of XXXX of 2018 they took another payment for {$340.00}. They are taking my money now without my authorization. Please help me get my money back this is fraudulent what they are doing. I have other bills that Im unable to pay because they take the money out of my account without any authorization.
I have filed multiple disputes with Equifax ( XX/XX/XXXX latest, plusXX/XX/XXXX & XX/XX/XXXX ) about getting the Federal Tax Lien removed from my credit report since I have the IRS Withdrawal letter. Each time I have been told it's only been released and therefore will remain. After over an hour long discussion with a Supervisor I have resubmitted the information again. 

Also I have been told by Equifax that they weren't aware of the new rules for removing Tax Liens per the recent CFPB study since we have a paid or released Lien that was paid in full in XX/XX/XXXX. 

XXXX  and XXXX have removed all Tax Liens either in keeping with the Federal IRS Withdrawal letters or the CFPB findings.
Tax Lein paid in full before going to collection and repeated negative remarks gir over 6 1/2 years.
SUMMARY : Debit card charge by a company for a service never rendered and bank refusing to reverse charge or properly investigate dispute of charge. 

DETAIL : Our company contracted with a tow company XXXX XXXX XXXX XXXX to tow a commercial vehicle which had a minor breakdown. The tow company required our Bank Of America Debit card number and charged our debit card BEFORE the service was rendered. 

The tow company hooked up our vehicle but while in the process of towing it XXXX. The tow company completely destroyed our vehicle. Thus no service was rendered by the towing company as the tow company destroyed our truck. The tow company did NOT have insurance or coverage for this XXXX requiring our insurance company to reimburse us for a TOTAL LOSS of vehicle caused by towing company. 

The tow company then refused to reverse the charge ( The tow company charged our card {$840.00} for a service where they were negligent, caused total loss to our vehicle, and did not have insurance. ) Bank of America was contacted and advised that we dispute this charge for a service which the tow company did not render. BofA was provided insurance company information and documentation showing that our vehicle was a total loss. BofA refused to reverse the charge stating that it was a civil matter between the merchant and our company. 

Bank of America refused to fully investigate this matter and is allowing a merchant charge to be deducted from our bank account in the amount of {$840.00}. We adamantly dispute this charge as it was for a service in which the merchant did NOT render but also caused an additional loss to our company of over {$22000.00}. 

Bank of America feels that since I provided the tow company our debit card information, even if prior to the service, that the charge was authorized.
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and Transunion and XXXX XXXX XXXX with no successful resolution. XXXX and Transunion are reporting me late. There was definitely an error on their part. I was never 30 days late.
I went to XXXX on XXXX/XXXX/15 and applied for a store credit card. I was unable to get XXXX. Today XXXX/XXXX/15 I tried to call the number XXXX gave to get the problem resolved but again after putting in my social and DOB it would n't allow access. I then tried to get my free annual report from the website XXXX to see if my information was right but again after putting all my info in there were problems. After multiple tries XXXX site asked me questions about mortgages, credit cards and bank accounts that were started several years back that I never had any involvement in those start ups. Majority of questions are things that require you to be XXXX which at the years they said things we 're opened I was under the age if XXXX.
I had a student loan go into default and in XXXX of XXXX, I went into a rehabilitation program with Credit Adjustment. They sent me paperwork and I signed all the paperwork and they have been taking payments since XXXX and they stopped in XXXX with no notification in writing as to why. In review of my bank account I realized the amount agreed upon was not being deducted this is when i called to the collection agency and was advised that I did not qualify for the rehabilitation program because they made a mistake. In XXXX XXXX, I was put through an approval process and I complied with all requirements in a timely manner, I was approved and the agreement was signed and everything was fine. I have spoken to them on several occasions about the problem with no success of getting them to honor the agreement. I have not received a definite answer other then the fact that she does not qualify. Why did I qualify in XXXX of XXXX and not in XXXX of XXXX? I have the signed agreement and all the paperwork from XXXX of XXXX. I just wants them to hold up their end of the agreement. I has completed everything they have ask of me.
This company is attempting to collect a debt, and not knowing what they were about, I looked them up Texas Secretary of State Finance Code and discovered that they do NOT have a surety bond on file with the state, so therefore, it is unlawful for them to collect debts in this great state of ours. Not only that, the debt is not mine, and I have told that to the endless callers, and to only contact me via mail. But they keep calling. And calling. And calling.
Open account with Care credit back in XX/XX/2014. I use the credit card a few times but didnt actually receive any services because I had a change of heart they refunded everything expect XXXX plus interest back and late fees mind you I never received any services from these places I was going thru ... I made a few attempts to try to settle by paying them XXXX a month until XXXX was paided in full but they directed me to their lawyer ... A lil bit away this happened I check my credit report and they are on their saying I owned them XXXX!!! I never even received any services so Im confused on why should I pay something thats no being received ....
For many years prior to my divorce, and during my separation, I 've made timely, monthly mortgage payments. My ex-husband XXXX XXXX XXXX XXXX held the Mortgage note : property address XXXX XXXX, XXXX XXXX XXXX. XXXX with Wells Fargo. He relinquished the home through bankruptcy and subsequently through the divorce on XX/XX/XXXX. ( divorce index XXXX ) I also filed for bankruptcy keeping the home and a loan assumption through the United States Bankruptcy court of XXXX District of XXXX in XX/XX/XXXX and was granted the approval allowing me to assume the mortgage note however, my name still does not appear on the mortgage statement as of date. ( case XXXX ) Adding insult to injury, through the United States Postal Services , XXXX had my mortgage statement ordered by U.S bankruptcy for which I 've been paying for over nine years by myself redirected to his house in XXXX . ( Please see at attachment ) My FICO score has suffered tremendously. I 've made all possible attempts through the courts to regain my statue creditably.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
In XX/XX/XXXX a false tax return was filed as a joint return in my name and someone elses i followed all procedures for reporting identity theft with all federal and local authorities. There is numerous false delinquent debts listed on all XXXX of my credit reports i did previously contact one of the credit agencies nothing was fixed. In XX/XX/XXXX i received another attempt of id theft allegedly the IRS stopped it the thief was found and convicted yet nothing has been fixed on my credit reports preventing me from loans a house and several jobs. All documents supporting my case are available as public information from the federal case against the convicted individual who stole my identity
I have been off and on an income based repayment plans with Navient. I have been having problems with them not processing my applications. I submit all info, they tell me that they have received it. Then I would get an email saying my next payment is XXXX. I call and they tell me to wait until I am closer to the due date. I do, and the amount does n't change. I call back and they tell me that they have not received all of the information and I will have to resubmit my application and force me to do a forbearance agreement. They have taken the {$590.00} out of bank account twice. The first time I called I was told that I was on a XXXX mo IBRP. I had to go to my bank and fill out a report that I did not authorize that payment. The second time was " for the remaining XXXX months of the XXXX and my plan expired. '' I again had to go to the bank and file another report. I removed my account information for the auto pay. Then I was told that I had to add my husband 's financial information even though this debt was incurred well prior to my even meeting my husband. He is also an XXXX XXXX XXXX with a security clearance. So I did as I was told to go to XXXX and the IRS would send our tax return info directly to them. I received confirmation from the government that it had sent the information. Navient initially told me that it had received the information and that it had not processed the information yet and to check closer to my XX/XX/XXXX due date. I did, it was still showing the XXXX amount. I called and then Navient claimed it did not receive the information and I would need to resubmit again and again forcing me into yet another forbearance until XX/XX/XXXX and then they changed it to XX/XX/XXXX. My account is showing an amount past due of over {$1100.00}. The short times I was on the IBRP all payments were applied to interest. I owe so much more now than the original loan amounts. I have XXXX loans with them, but I am attaching screen shots of the larger XXXX, but the same thing is happening to the smaller loan. I have been trying to work with Navient since it took over XXXX ( who did not treat me well either ) and have been arguing with them since XX/XX/XXXX of last year, just trying to get these loans paid. They keep putting me into forbearance agreements and, at this rate, I am never going to be able to pay off these loans. I have finally got my credit situated and the fear of Navient reporting this to the CRA 's is devastating. I feel that they are taking advantage of me by abusing the system and waiving the fact that it will be reported to the CRA 's and they should be stopped from this unfair practice. I also have been sending them information to change my name to my married name for almost XXXX years. They have me as XXXX and my married name is XXXX.
As of XX/XX/XXXX, I continue to be denied access to information per the Real Estate Settlement Procedures Act ( RESPA ) regarding my deceased parent 's home from XXXX XXXX XXXX XXXX. My mother passed away in XX/XX/XXXX and my father passed away in XX/XX/XXXX. Their estate is insolvent and therefore, mortgage payments could not be made by the estate. The mortgage is currently in default. Shortly after my father 's passing, I timely initiated communication with XXXX XXXX XXXX XXXX and informed them of the situation. On XX/XX/XXXX, I received notification from Beneficial stating, " Based on the documentation provided by you, or on your behalf, XXXX XXXX XXXX XXXX, acknowledges you as being responsible for the borrower 's estate. Our records have been updated to reflect this information. We are committed to facilitating communication with you regarding the borrower 's mortgage loan account and will work with you whenever possible. '' On XX/XX/XXXX based on a hardship request I made to Beneficial, I was conditionally approved for a short payoff through their loss mitigation process. Very shortly thereafter, I was I was then later notified by Beneficial that my father 's loan was transferred to XXXX XXXX XXXX , XXXX effective XX/XX/XXXX, and subsequently transferred to XXXX XXXX XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX, XXXX. Beneficial did state that all documents regarding communications, negotiations, modification requests, etc. would also be transferred to XXXX without interruption. This was later confirmed by XXXX on XX/XX/XXXX via their follow-up notification. Information requests to Beneficial, as recent as XX/XX/XXXX, including a Qualified Written Request, have gone unanswered by Beneficial. How is it possible for Beneficial to transfer the servicing of my parent 's loan and subsequent sale of their loan to investors during the loss mitigation process? Although Beneficial stated XXXX would honor the existing loss mitigation agreements, XXXX has neglected to do so. Beneficial is conducting business in a fraudulent manner which places further hardship on homeowners when trying to resolve issues in a lawful manner.
I took a personal loan out. I deposited the check in my bank account. 
I was going to use the money for a down payment on some property I wanted. 
when the property became available I went to the bank to withdraw the money out of my account. That 's when i found out that the bank teller deposited my loan money in the wrong account. I lost out on the property, so I paid the money back in full to the loan company but they charged me a fee for interest, final paper fee. I want the bank to pay me back what i had to pay for there mistake because I was not able to use the money. 
I have all supporting documents from the loan company and the bank on this issue, including the deposit slip from the initial deposit.
I have addressed TransUnion about two hard inquiries that I never authorized on my credit report. I've tried to dispute these inquiries with them for a few months now and they still continue to violate my rights by reporting them as factual. I have no idea who allowed someone to run my credit without my knowledge. I'm hoping that TransUnion starts to follow consumer laws and not their own made up laws to tarnish any consumers credit reports. The two hard inquiries are below. I want to know that my rights are more than words on a piece of paper. Thank you in advance for your attention to this matter. 
XXXX XX/XX/2018 XXXX XXXX. XX/XX/2018