WillisBack/dataset-financial-user-claim huggingface dataset:
i was never on this account or responsible for such-please remove from my file CRA refusesAccount nameXXXX XXXX XXXX MI XXXX*XXXX*XXXXAddress identification numberXXXXAccount numberXXXX .... 
Recent balanceNot reportedStatusTransferred, closed. 

Date openedXX/XX/XXXX/2007 Details Not mine or No knowledge of account Additional information not mine i am was never on this account
I filed bankruptcy back in XX/XX/XXXX, it was discharged in XX/XX/XXXX. On my bankruptcy I included a lender by the name of Credit Acceptance. I financed a XXXX that I willingly gave back after I filed bankruptcy and which has been auctioned off. Mind you, I never have been late in my car payment, and once I file, the company is not allowed to report to the credit agencies during bankruptcy. Credit Acceptance has continued reporting negatively as if I havent made a car payment in over a year. My account is also listed as open. I filed 2 complaints with the company, it was supposed to be off my credit report by the XXXX of XXXX. Credit Acceptance refuses to give me anything in writing due to me filing bankruptcy over a year ago and still is not removing the false information and its causing me to be denied for things. Im reaching out as a last chance to have them remove this before I begin the process of suing the company.
The car was a XXXX XXXX XXXX. All of these vehicles had recalls on them and transmission problems. I was overcharged for the vehicle with an extended warranty that was {$1700.00} odd dollars. The warranty never addressed my issues with the transmission or my concerns with the car they only replaced my battery once and I paid out of pocket for it. When asking to trade the car in for a newer vehicle they advised they would reimburse the warranty because I never used it. Fast forward and lost my job and the car was repossessed in XX/XX/XXXX. The car was sold at an auction for {$1600.00} and they are now telling me that the balance owed plus taxes, fees, and interest is {$5700.00}. My credit report shows {$3600.00} owed on the car and everytime I call and speak with them they wont help. They only reimbursed {$200.00} odd dollars for the extended warranty that was purchased and not used when they agreed to reimburse the entire {$1700.00} odd dollars. They also never sent me an intent to sale the car at an auction or the sale itself. I had to call them to find out the car was sold for {$1600.00} at an auction and they are still trying to overcharge me or stick me with a balance of {$5700.00} on their records and {$3600.00} on my credit report. Please help me get this resolved or removed because it is negatively affecting me and they dont care to help.
Back in XX/XX/2017 ARS ( Abilty Recovery Services ) for XXXX XXXX was deleted off of my XXXX report because I had never attended school there and this was a fraudulent account. Today I received an alert from XXXX   monitoring as well as XXXX stating that this account was back on my report. Ive nevee received notification from XXXX  advising within 5 days that this account would be Inserted back on the report. According to FCRA SEC 611 The reinsertion restrictions of section 611 ( a ) ( 5 ) ( B ) apply only to those situations where a dispute was resolved with a determination that the information was either incomplete or inaccurate or if the accuracy of the disputed information could not be verified as accurate at the time of the dispute. 
Information for which the accuracy was disputed and was not verified at the time of the dispute remains challenged, unverified. 

Im requesting that this account be removed from my XXXX report.
On XXXX XXXX, XXXX, I went on XXXX online banking website to make a payment on my XXXX XXXX XXXX. The payments are due on the XXXX of each month. I made a payment of {$100.00}. I received confirmation of it being received. A couple of days later, i checked back to my online account where it showed ( ACH Return ... {$100.00} ) I did n't think much of it at this particular time, until I made the XXXX XXXX payment for {$200.00} and the same thing happened again. I checked with my Financial Institution to see what was happening. It was determined that the transaction was pulling from my savings account, instead of my checking account which is the account I always pay my bills. I only keep a very small amount of dollars in my saving account. I was told that I had left off a digit that should precede the account number. I was never told that was how it should be done until this issue came about. If you look at my history of making payments, you will see that I am consisted in making my payments on time. I value my credit worthiness and have worked hard over the years to maintain a high standard of excellence when it comes to my credit score. I am sending extra documentation to help substantiate what I have written in this statement. Please reconsider removing the negative information from my credit reports with each credit bureau. Thank you. XXXX XXXX XXXX XXXX
Experian is reporting inaccurate information on XXXX collection accounts ; XXXX account # XXXX and XXXX. They are showing as if they are new collections and they are not. This is affecting my credit scores negatively. Account XXXX was last paid on XX/XX/XXXX. Account XXXX was last paid on XX/XX/XXXX. These errors need to be corrected immediately or the accounts deleted off my credit file.
I submitted a mortgage application with a mortgage banker, XXXX XXXX, who works at the XXXX XXXX Branch of BMO Harris Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ). He mishandled the application so badly that we would have been unable to close on our home at the already agreed upon date. As a result, we withdrew the application and secured a mortgage through another bank. The current issue I have is that XXXX XXXX and BMO Harris Bank ( including his supervisor, XXXX XXXX, and the branch manager, XXXX XXXX ) refuse to return my {$490.00} application deposit. As unprofessionally as my application was handled, at this point, I simply want my money back.
There was a debt that needed to be paid when I transitioned my phone service to another provider. That was supposed to be paid through the companies, not by me.
Company pulled credit as Mortgage without my consent. I advised that I had XXXX report that could be provide I am not applying for mortgage
I submitted a dispute on XXXX XXXX, 2016 via fax with Equifax. I also sent in a photocopy of my drivers license as requested. I recently received a letter dated XXXX XXXX, 2016 advising me the identification information I provided does not match their records. 
The items I disputed are XXXX XXXX XXXX XXXX this account is reporting both open and also collection charge off which is reporting inaccurately. Outcome desired I have never been late. Please remove from my credit report. 
Department of Ed XXXX XXXX accounts are reporting closed with a XXXX bal which is correct but are reporting missed payments which is incorrect. Outcome I have never been late on either account please remove from my credit report. 
XXXX XXXX XXXX accounts are reporting missed payments. Outcome I have never been late on either of these accounts. Outcome please remove from my credit report. 
XXXX XXXX XXXX reporting XXXX missed payments. Outcome I have never been late please remove from my credit report.
I took out Care Credit loan when my daughter needed some dental work we could not afford. I was told it was ZERO percent interest and we arranged for automatic bank payments directly to Care Credit/Synchrony Bank. Recently I called the company to find out my balance since I was nearing the end of my contract and was told it was over {$4000.00}!! That was close to the amount borrowed several years before. I found out on that phone call that the " promotional period '' had ended and all of the extremely inflated back interest had been applied to my almost paid off balance and had no idea this was occuring as all buisness had been via bank withdrawals. I asked the man on the phone what I could do and he essentially said " Sorry, you lose. '' So add my name to the list of unhappy consumers with this company to help anyone else this XXXX happen to and perhaps get some sort of re compensation if a class action lawsuit is brought against this company.
In XXXX, I was laid off from my employer, and after that I developed XXXX XXXX in XXXX. Unfortunately, I was only collecting unemployment, only {$1800.00}, which was a third of my original salary. I was not able to qua! ify for any XXXX assistance. So I got behind in my mortgage payments. So I worked with Select Portfolio directly, to process a mortgage modification with an attorney named XXXX XXXX, because after I tried to do myself, they kept stating that my package was incomplete, missing documents I sent, resent, faxed and emailed directly. Each time, they state that the modification was denied due to incomplete submittal. I went through this process 12 times, re submitting and getting the same excuse for denial. Finally, my attorney says he can not help me. So that 's when I hired another legal advisor, XXXX XXXX. I worked several years on a work out option, I even tried to pay the past due amount to re instate my mortgage. They refused me to make any payments, and will not accept any at this time. Even when I went back to work, they still denied a loan modification. All in all, it was a terrible experience, I was offered to try to modify, and 12 times, they lied, and misplaced my documents, and very rude people to deal with.
Attempting to do a short sale on property of deceased borrower. Court has appointed a PR for the sale of the property. During process bank set a sale date. Bank refuses to remove sale date stating that there is no incentive for them to remove it.
I had furniture store card in 2016. I made my payments every month in 2016 by check. They convert the check into electronic debit. My checking account was debited for each electronic check to card company. 

The card company charged my checking for a second payment every month in 2016. I did not notice the duplicate debits on my account. I thought they were the same single payment. Also, my store credit card statement only showed one payment. When I made the payoff payment in XXXX, I noticed another payment to them came afterwards for a different amount. This is how I learned that they have been charging my checking account for two payments every month and applying a single credit to my credit account. My bank was able to charge back the last two incorrect charges for XXXX and XXXX 2016. They also gave me proof that the second payments per month were ACH for the benefit of a different person. I 've tried twice by phone and twice by sending the credit company documentation, their statements, my banking statements and ACH debits with other persons name as proof. Their reply in all cases is my account was paid in full XXXX 2016. It does not address the issue of taking extra payments every month. They have debited 10 transactions totaling {$2000.00} from my checking account.
I spoke with a representative 2 weeks ago and told them that I would be paying off my debt within the month. They have been calling me consistently every day multiple times a day ( minimum of 9x/day ) from multiple phone numbers. 
The various phone numbers are from all over the country so it makes it seem like it 's a different company but it 's ALWAYS the same collections agency.
- On XX/XX/XXXX, I initiated an international money transfer for {$14.00}, XXXX to an international recipient using the TransferWise.com remittance service. 
- In the prior 6 months, I had successfully performed 6 remittances to the same recipient without issue. 
- I paid a fee of {$130.00} to Transferwise to conclude the transaction within 3 days - By XX/XX/XXXX the funds had not yet been received by the recipient. 
- On XX/XX/XXXX, I contacted Transferwise customer support to inquire as to why the funds had not yet been received by the recipient. They indicated that they did not know what was causing the delay but they would look into the matter. They also indicated that they did not know where the funds were. 
- On XX/XX/XXXX, I contacted Transferwise customer support again and inquired as to whether they had been able to locate the funds. They said they were still looking. 
- On XX/XX/XXXX, I contacted Transferwise customer support again, but still they were unable to tell me where my funds were. 
- On XX/XX/XXXX, I contacted Transferwise customer support and asked to speak with a manager or have my case escalated. I was informed that there was no escalation procedure and that I should keep waiting for them to try and trace the funds. I asked where my funds were and they said they did not know. I also asked when they expected to have located the funds and they said they could not tell. 
- On XX/XX/XXXX, I contacted Transferwise customer support again to inquire if they had traced my funds and they indicated that they had not been able to make any progress on the matter. At this point, more than 2 weeks had elapsed since I had initiated the transfer. I had also incurred significant financial loss since I had to borrow funds to pay the recipient who should have received the initial transfer. 
- As of today, XX/XX/XXXX, I still do not know what happened to my money and I have not been able to get any resolution from Transferwise.
My husband and I were approved for a mortgage in XXXX. We were facing forclosure and abandoned the house in XXXX XXXX. Lender was notified that we were vacating the property. A sheriff sale was set for XXXX XXXX, but was postponed for unknown reasons. On XXXX XXXX, XXXX we were served papers. My complaint is that we could be close to purchasing another house after five years, but US Bank has delayed the process to an extent that is unacceptable. Five years later and we are finally getting closer to being able to put this behind us, when all of this should have happened after we abandoned the property.
I have been trying to lower my payments since 2014 with Navient. I have always sent the right information and filled out all forms while on the phone with a Navient representative. Each person I talk to says my information was never received and I get a completely different pay back amount each time. I can not afford {$1300.00} a month to repay these loans. I have tried to explain what I can afford but no one seems to want to help. So instead they always put my loans in deferment. I am now having to pay back loans that originally where {$80000.00} and now are almost {$90000.00}. You can never speak to someone who is willing to help they just simply say you either pay or they will come after you.
Freedom XXXX is being sued for unlawful suits against several servicemembers, that is why they are going out of business for the harm they done. People are still trying to contact me regarding payment, I was involuntary discharged and I was told they would waive all debts. I guess not, I am being harrased every single day via email and phone.
I bank at First financial Bank. I had send an on-line payment to XXXX  and the bank sent my payment of XXXX dollars In XX/XX/XXXX. They sent to payment to XXXX XXXX.Now First Financial Bank let me cancel account that were not being use and I did. XXXX XXXX and XXXX XXXX. Every thing was going ok and i had no problems. Until they send the payment to XXXX XXXX. I filed paper work to the bank to get my money back, and they said call XXXX XXXX. I call XXXX XXXX whom i haven't had service since XX/XX/XXXX to ask them to sent my money back. They said I had to give them a password from XX/XX/XXXX or they can not help. So off the top my head out, I said XXXX and now they could help. I had to send i lease that i don't live at the address this account was to the fraud dept. I hav n't seen them a payment for services for five years so why now. so i send it and got a respond to have a third party call to work on it in XX/XX/XXXX. 
In XX/XX/XXXX I had resolved the disputed of {$110.00} because they another account that owned {$110.00}. 
XXXX XXXX say they I own them XXXX. XXXX and they would not sent the money back. I pay all my bills to them, I never got a XXXX Bill from them sense XX/XX/XXXX, and I told i wanted my money back, and they said no. The bank wrote back saying nothing was a crime or fraud. 

The third part call was Monday XX/XX/XXXX. The First financial bank agent was from or the letter came from the XXXX XXXX XXXX. XXXX XXXX XXXX , XXXX XXXX. XXXX Ohio XXXX. The dispute number they have is XXXX. 

the lease paper I sent were Date XX/XX/XXXX. The account at XXXX XXXX was XXXX. The fraud Dept at XXXX XXXX fax number is XXXX. 

This was more than Fraud, it illegal and a crime. 

On XX/XX/XXXX First Financial Bank Credit a XXXX SSI check because I was given a provisional credit of XXXX. They took XXXX they was left of the XXXX add {$37.00} for the {$80.00} they was spent and add {$30.00} more and {$6.00}. 

Isn't these charge fraud? 

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX or XXXX.
By Certified Letter Return Receipt dated XX/XX/XXXX, I disputed these inaccurate entries on my TransUnion credit report : ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX  and this authorized inquiry ( XXXX XXXX XXXX XXXX XXXX XXXX ). 

This letter included my name, address, last 4 digits of my Social Security Number, a copy of the relevant pages of my TransUnion credit report and other documentation ( see below ). 

The letter and its enclosures are attached, along with return receipt for same. 

The enclosures demonstrate that neither the XXXX XXXX entry or the XXXX entry are accurate ; in the case of XXXX, I sent them a letter directly on XX/XX/XXXX, to the address listed on my credit report, asking them to verify the entry. They received this letter on XX/XX/XXXX and did not respond. Both the letter and return receipt are attached to the XX/XX/XXXX TransUnion letter enclosed with this complaint. 

On XX/XX/XXXX, TransUnion responded to my letter indicating that the XXXX entry was verified as belonging to me, disregarding my documentation. 

No response was received regarding the other two disputed tradelines. 

These are clear violations of my rights under the FCRA.
On XXXX XXXX, I made a payment to a company with my Bank of America debit card. A hold was placed on my account for XXXX charges and Bank of America told me the other hold would drop. When the other hold dropped, my account balance did not go up. I have screenshots and printouts detailing everything. Bank of America owes me {$95.00}
CAPIO PARTNERS has inserted an account in the amount of {$600.00} representing XXXX XXXX XXXX XXXX. I have never had any business or obligation with XXXX XXXX nor XXXX XXXX XXXX.NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. I have also informed CAPIO of this status. CAPIO PARTNERS can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies. CAPIO PARTNERS has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.
Someone used my name and credit information to open a XXXX credit card at a XXXX ' in XXXX, LA at store XXXX on XXXX/XXXX/15. I called the fraud dept at XXXX and the card has been closed. I filed a police report in my town. I got in contact with the XXXX credit bureaus to put a XXXX fraud alert on my account. When I get the police report, I will extend this to 7 years.
I have complained about PNC Bank previously for the same problem, but then fractured my spine and did not feel well enough to follow through with my same complaint. Please look it up as they are doing the same again. 
Whenever I close my VIsa Travel card and have a {$0.00} balance, when they open the new card, it also has a {$0.00} balance, but then shortly thereafter they take a purchase I made on the previous card and put it on the new card WHICH I HAVE NOT USED YET. They say that it was for something that had not been paid, but I know that I had paid off the previous card in full. In addition, they hide all my transactions from me, from the previous card and the current one, so that I can not track any purchases on line. I do not use paper statements. 
They have done this over and over. I am retired, but even if I weren't, no-one should have to deal with such behavior. They will also delete a purchase that I paid for on a previous card so that it only shows up once.
Hello, got denied for a credit card application from BBVA compass. States " unable to verify identifying information ''. They denied me without confirming which information they need. I am very open to share whatever information they need to verify my identity.
I called Equifax on XXXX XXXX stating that I have inquires on my report that I did not recognize. I informed them that I had contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX by phone and by mail in regards to unauthorized inquires. I received no validation from said companies that I authorized my report to be viewed. Equifax refuses to investigate even after I have done my part as the consumer.
On XXXX XXXX, 2015 I made an offer on a repossessed property that was being sold by the US Bank. Although my initial offer expired on XXXX XXXX, 2015, I was not presented with the 'Counter Offer Addendum ' until XXXX XXXX, 2015, calling into doubt the validity of this even being a 'Counter Offer ' or an 'Addendum '. Furthermore, in accordance with paragraph XXXX of the initial offer, there was no basis to maintain any contract with this so-called 'Counter Offer Addendum ' since the offer had thus already been deemed withdrawn. 

At the time I made the offer I had no knowledge of the seller-skewed, 'Counter Offer Addendum ' that was to follow. This document stated all of the foreboding liabilities that rightfully should have been presented from the start. Since the 'Counter Offer Addendum ' arrived late in the week and the Bank wanted the deposit wired by Friday, I had virtually no time to scrutinize the document or voice any concerns. The US Bank got my deposit anyway and then considered me under contract. 

However as the closing neared, my demands at work delayed the closing by two days. Due to the lack of incentive that US Bank has to deal with people, the bank gave away my property to another buyer, keeping my escrow without notifying me of its intentions. Even though I was the higher bidder, the bank 's apparent goal was to clear its books then write off the difference either way. 

Now, I have no property and am {$1000.00} poorer, while US Bank continues to do its business on people without any conscience.