WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX SSN XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 'm writing this complaint to asked you to please remove a credit inquiry that was Pulled on my XXXX credit file on XX/XX/17 For a XXXX Credit card. I was approved for the card! but however your website DOES NOT state that each team have a master or Visa card assigned to each Team in my case I 'm a XXXX XXXX XXXX Fan and that team has a master card logo per your rep at Barclaycard. therefore I did n't not get the team logo of my choice that would be like someone at Barclaycard coming to work with a XXXX XXXX XXXX t shirt on that would n't go over so well! I was approved for visa. I will not carry another teams card around IN WHICH The card that I canceled would have did me no good also I will not allow another hard inquiry on my credit file which I hope you will understand Therefore it would n't have did me any good. You need to update your website and make it clear for Customers who is applying for XXXX  cards. I Immediatley canceled the account Ending in XXXX myself that I was approved for and I asked you to please Immediatly remove the hard credit inquiry from my credit XXXX report file thank you for your speedy and full cooperation Thank you XXXX XXXX XXXX
I have previously submitted a certified letter on XXXX XXXX XXXX which was received and signed for on XXXX XXXX, XXXX requesting that a dispute be initiated for a XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is inaccurate and incomplete. The following is a list of incomplete inaccurate information contained in XXXX account XXXX. 
XXXX. Account open in XXXX/XXXX/XXXX however history is incomplete and missing payment history in XXXX, all of XXXX, all of XXXX, all of XXXX
I deposit cash into my Wells Fargo Debit card account to purchase 2 airline tickets authorized on XXXX XXXX, 2017. $ XXXX/ticket totaling {$1900.00}. I fly and return home. I observe the posting in my debit card account and receive email confirmation and all went well at airport. XXXX XXXX, 2017, I see Wells Fargo post 2 new {$980.00} transactions and for the first time in my account history, my debit card balance goes negative. I disputed with the fraud department but because Wells Fargo says the passenger tickets match my passenger names, they wo n't remove the charges.
In XXXX I paid off a motorcycle with XXXX XXXX a third party agency for Capital 1. The information has yet to reflect on my credit report as closed and paid in full and the title still has a lien. Items that XXXX XXXX said they would take care of with Capital 1. Now over 45 days have passed and I can not connect with anyone for a resolution. This is now preventing me from closing on my new home. Per the information below I am requesting a resolution as balance paid in full on my credit report and the title cleared just as XXXX  promonised. Capital 1 XXXX XXXX Department : Please note that my is name is XXXX XXXX and this is in reference to account number # XXXX for my XXXXXXXX XXXX XXXX XXXX # XXXX  There have been a variety of issues with this account beginning with appropriate information on auto drafts not being deduction never been mailed, lack of notification of past due balance, and there was never an attempt to require the motorcycle. It only became apparent to me when a credit report was run two years ago for a home loan. When I became aware I began making payments to XXXX XXXX and XXXX XXXX XXXX XXXX, under account # XXXX. Since XXXX of XXXX I attempted to get into contact with someone at XXXX XXXX to pay off the balance on this account. It took over three months to get in touch with someone there after I was given the run around day after day. On XXXX XXXX per the arrangement made with XXXX XXXX I paid off the vehicle for {$1700.00}. I was provided the attached letter as proof of payment. I was also advised that Capital 1 would be notified, the title would be cleared, and my credit report would update to show a zero balance paid in full. On XXXX/XXXX/XXXX I attempted to obtain an updated title as I am selling the motorcycle. I was advised that there was still a lien on it from Capital 1. On XXXX/XXXX/XXXX I was notified by my mortgage specialist that they are unable to move forward with the closing on my home as my credit report still reflects a past due balance owed in collections to Capital 1. I am very frustrated as this entire situation has been a nightmare. I have attempted to get into contact with XXXX XXXX and have been repeatedly sent voicemails. A receptionist there advised me it was not their issue that it was now that of Capital 1. This is holding up my cash on hand for my home as well as my closing and it is unacceptable. I expect this issue to be escalated and resolved ; the title should be cleared and the item should reflect paid in full on my credit report ASAP.
I requested to have the XXXX XXXX Bank trade removed from all CRAs. 

XXXX XXXX XXXX, XXXX Edition, XXXX, defines XXXX as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they  report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

I have received no documentation with my signature that this is my account. Violates my rights under FCRA. Please remove this fraudulent trade from all CRAs.
I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from ERC which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. The balance says zero and is paid.
I opened my account with Discover Credit Card in XXXX XXXX and made my payments on time until XXXX of XXXX when I lost my job. I informed Discover of this and they were more than willing to work with me. I found a job and started to make payments again and became the victim of Identity Theft and some of the payments were charged back. My account became suspended due to the payment history. I reached out to Discover the end of XXXX XXXX to find out what I need to do to get back on track and my account returned to active. I was informed on more than one occasion and by more than one person that all I needed to do was continue to make  payments, bring the balance below the credit limit and that my account would be reviewed by the " system '' on a monthly basis to determine status. Today, XXXX/XXXX/XXXX after more than 90 days of making 3-4 payments a month for the last three months, setting up auto payment, and talking to countless Discover Employees, I was informed that my Credit Report has to be at {$0.00} for all accounts ( nothing in collections or showing a balance ). This of course I know is impossible due to the hardships that I went through I had no choice but to default on somethings because the companies would not work with me. I was NEVER informed of this and was MISLEAD to believe that if I continued to make payments my Discover account would be reinstated. I should have been told ALL the requirements that Discover looks at when reviewing an account and not just what they wanted to tell me in order to keep me paying to an account that will never be active again. I have been LIED to and this is FRAUD. During my conversation I also asked if there is a group that handles situations were the consumer has been LIED to and was told no. This is unacceptable. Discover has no idea, nor is it any of their business, why accounts on MY CREDIT report are in collections. This needs to be addressed so that it does not keep happening.
I started schooling in XXXX XXXX at a private university- in order to pay for my education my parents ( mother, specifically ), co-signed on a private loan with Sallie Mae , with me as the primary borrower. During my time studying at XXXX College, from XX/XX/XXXX-XX/XX/XXXX, XXXX additional loans were taken out under the same borrower and co-signer, until I graduated in XXXX XXXX with an XXXX XXXX XXXX. After the grace period with Sallie Mae had ended, I was getting hit with large withdrawals from my bank account ( around XXXX dollars monthly ) that I was unable to keep up with, especially due to the fact that my cosigner is unable to help me make monthly payments. In XXXX XXXX I was finally able to negotiate lower monthly payments on the XXXX loans ( Sallie Mae refuses to consolidate ), I began to realize that these payments did nothing to affect the principal balance and was only covering their immensely high interest rates ( between 8-10.5 % on each loan ). I am looking to attain a reasonable rate that allows me to actually pay off over {$47000.00} in loans ( across XXXX loans ) in my name alone, since my co-signer is unable to pay.
I keep getting calls about my wife when she has sent them letters explaining identity theft and to stop contacting me.
I filed a complaint with Consumers Financial Protection Bureau ( case number : XXXX ) on XXXX XXXX, 2016 that I received a letter from my bank, Ditech that they are going to foreclose on my house even though I was working with them on loan modification. CFPB sent me a message that Ditech asked for an extension in responding to the complaint. Before responding to the complaint filed with CFPB and while in the middle of a loan modification, they put my house for sale at an auction and it was sold to XXXX. I really need your help as soon as possible. I want to work with the bank, I do n't even know what to do now. Whenever I call the bank they respond that they do n't understand whats going on and they need more docs for the loam modification. I message was posted on my account after the house was sold that they are looking for XXXX documents.
A company called " XXXX '' attempted to take {$200.00} out of my checking account. In addition they attempted to take {$25.00}. These attempts were made simultaneously. Two weeks later I started receiving calls from XXXX XXXX XXXX XXXX at my job and the caller claimed that they were attempting to collect a debt. I immediately asked for the details in writing and they stated that they had sent a letter. They had not. Each time they called I requested the details in writing. They claimed they sent it. I never received it. I stated, " if that is the case, FAX me a copy of the one you sent. '' They refused. I told them if they could not send it in writing, that I did not believe they were a collection agency but a scam. I asked them to stop calling me. They continued to call me every day for weeks. On XXXX/XXXX/15, nearly two months later, I received a letter from XXXX XXXX XXXX, a unregistered collection agency claiming I owed a company called CrossCheck, Inc. the {$200.00}. I have never done business with CrossCheck, Inc. XXXX Louisiana Revised XXXX XXXX requires collection agencies to be registered. ) I have sent them a dispute letter since receiving their letter. ( I can prove the calls via cell phone records. )
After carefully reviewing my credit report for inaccuracies I noticed several and contacted Experian via  Postal  Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report. Telling me that they will no longer investigate my complaint and to contact the original creditor. Which I have still have no validation of these debts. Four months later I still have no method of verification for the following items  XXXX   XXXX  #  XXXX ,   XXXX    XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX . Experian needs to furnish me with the documents requested or delete these accounts from my credit report!!!!!!
On XX/XX/18 around XXXX, I made a {$760.00} cash deposit in the ATM # XXXX located at the XXXX-XXXX  branch in XXXX , California . Their ATM kept rejecting part of my cash four times that night, so it took 4 attempts to get it all into the ATM which I finally did. I of course ended up with 4 lousy receipts that did NOT cover my entire deposit of {$760.00}!!! The ATM only gave me receipts for only {$270.00} of my {$490.00} cash deposit. I filed a claim immediately for the {$490.00} deficit and that's when all the trouble started!! From that point on, I was treated like a volleyball, bouncing me from banker to banker and dept. to dept. I had no choice but to call Wells over & over to no avail and of course I got the run around over and over. I wasted far too many hours and hours of my personal time. When I called Wells, I ended up with most of the Wells bankers being either very rude, or courteous and very unhelpful. I was promised over & over that so-and-so would follow up and that I would be contacted, but that never happened over & over for weeks and week!! Wells demonstrated to me that they absolutely had no integrity on their part and that they had no intention of returning my money which has caused financial difficulties for me. Wells sent me a letter stating that they were still investigating my {$40.00} loss which is a far cry from {$490.00}. When I called to complain, the claims dept. said that {$40.00} was the original amount of my claim which is a huge lie and a far cry from {$490.00}! From the get go, I clearly made a claim for my {$490.00}. After a ridiculous amount of calls to the claims dept. at Wells, I  finally received a provisional credit of {$490.00}. I was told by the Wells claim dept. that they were still " investigating '' my case. Obviously, they didn't bother to look at their ATM cameras showing me making the cash deposit nor did they bother to check their ATM for an extra {$490.00} cash deposited on XX/XX/18!!! It took Wells from XX/XX/XXXX to XX/XX/XXXX to NOT truly investigate this case!! On XX/XX/XXXX, Wells took back their {$490.00} provisional credit and sent me an insulting letter mentioning that they closed their so-called investigation. They said I should have hung onto all of my ATM receipts yet I did just that! I'm still hanging onto the receipts that Wells ATM gave me on that fateful night, but never got a receipt for {$490.00} of the {$760.00} cash deposit.This banking institution is very crooked and they really need to be stopped!! There are way too many online reviews and other complaints similar to mine and to this day, Wells is still cheating their customers out of hundreds of dollars in cash deposited into their ATMs!! I was even told that the wheels inside their ATMs get " sticky '' and often the cash gets stuck on them. My question is this : If that is true, WHY CAN'T WELLS GET TO THE BOTTOM OF THE MATTER AND RETURN MY {$490.00} CASH? Please help me deal with this horrible bank because I have exhausted all avenues in getting my money back. I will not have any further contact with Wells as it raises my XXXX XXXX and my doctor advised against contacting Wells. Could you please intervene in my behalf?
I am filing this complaint against Equifax Credit Bureau. I am a victim of identity theft. I filed a police report and submitted it to the company. In addition to filing the police report I submitted an online, and over the phone dispute regarding the fraudulent accounts listed on my report. These accounts need to be removed immediately. The following accounts that I am requesting to be removed are the following :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Ok, I submitted a complaint with the CPFB about a month ago and got a response from Navient to call them at XXXX and then when I spoke to them, passed on the response given through the CFPB stating I was eligible for a XXXX interest rate and a lower payment of {$250.00} a month. The rep stated they have no record of this and attempted to transfer me to some escalation department, which was a law office. I have had it with being lied to! I explained, this was a response directly from Navient stating I would be FINALLY taken care of and yet I get mislead again! Not only did they deny offering me this, they stated the garnishment would NOT be lifted and this {$250.00} would be over and above the garnishment. I was garnished on loans that were NOT mine, could not fight them in court because some snake fake law group who were actually collectors, filed papers with a local court stating I was served properly, I never was served, now Ive been garnished for over 2 years and continue to have money taken for loans that were taken out in my name, but were never authorized by me! I want this stopped and I am sick of being lied to by this Navient group who passes this around and never takes responsibility for these illegal actions!
This item on my Credit Report referred to by the Collection Agency, XXXX XXXX had already been removed from my credit report back in XXXX due to the original creditor not being able to provide a signed contract or payment history as proof that this debt belongs to me. 

Now I see it has been reported to the credit bureaus again even though it had previously been removed from all three credit reports. 

Why is this item once again listed on my credit report?
XXXX XXXX sold our XXXX Mortgage to Green Tree Servicing LLC a few years back. I 've been reading about harrasing calls for collecting payments and we most definately agree, they were so rude and demanding. Their calls would always start out " could I speak to XYZ '' and you respond " this is '' and the next sentence would be " do you want to keep your home at XYZ '' ). Really, what a very offensive comment on your XXXX call requesting payment information. I recall many times I commented that they put their efforts towards collecting from true " past due '' customers and not us when we did n't miss a payment in a 30 day window ). They would go so far as calling on the due date if it did n't arrive and ask where 's your payment, what 's the check number, why did n't you mail it in time. XXXX conversation we specifically remember that was so wrong on their behalf.. I questioned them as to why they continue to call every month without allowing us the 14 day grace period before it 's past due. I was told Green Tree is a collection agenecy not a mortgage company so no grace period is allowed, which I found to be very concerning as my loan was definately connected to my home mortgage for colateral. Last year, XXXX sold our primary mortgage to Green Tree as well so I 'm concerned what the future may hold for us if our payment does not arrive on or before the " due date '' and no grace period allowed ( according to GreenTree representatives ). I do have to say for a professional lending company, they have no professionalism in their business tactics. 
We just recently paid our XXXX mortgage in full with GreenTree so we could have the harrassing stop every single month, no matter what the date was and we did not feel they deserved XXXX in interest to support wages for that kind of customer service. If I had the finances I would pay my primary mortgage in full as well so GreenTree receives no interest from us ( but we currently do not have the resources to pay it in full ).
HELLO, MY name is XXXX XXXX XXXXI live in Massachusetts. 
I am hereby filing my Complaint against XXXX banks. 
1.XXXX 2, Citizens bank 3. XXXX XXXX XXXX. 
These bank 's I have done business in the past and they refuse to open an accountwith me because td is now showing overdrafts fee 's in which they charge in excess. 
They have reported me to the XXXX in which I want my name removed. 
I feel im entitled to have a bank account without this hassle. 
I owe no fees 's with Citizens or XXXX XXXX XXXX. 
If i want to open somewhere else i need to get this matter resolved. 
These banks are in massachusettsSincerely yours, XXXX XXXX XXXX
I wired {$4600.00} from XXXX trust to my bank Chase. The money was transferred on XX/XX/XXXX. I later found out that the account information i wrote was incorrect. I called Chase bank and they transferred me to the wire department to start the case ( XX/XX/XXXX ). They gave me a case number wich is XXXX I called almost every day for updates and finally on XX/XX/XXXX they told me, they were unable to retrieve all the money, they were only able to retrieve {$410.00} on XX/XX/XXXX. They said i should get legal actions because they are unable to help me or give me any updates.
i was a victim of identity theft. i have a fraud alert on my XXXX credit bureaus. i have had no problems at all with XXXX and XXXX.i supplied necessary documentation to all XXXX including police report and a afftidavid from FTC. I am trying to get XXXX inquiries off of my credit report with equifax and they are refusing to remove them they tell me they are factual. well of course they are factual any one with someones info can apply to any company. The company doesnt have no idea if its really the correct person or not. XXXX and XXXX have deleted all of the fraudulent inquiries. Exuifax has told me that i would have to call each creditor who put inquiery on my credit and have them remove them. Well i did that and they all told me the same thing EQUIFAX is the ONLY ones that can remove from my credit report. so i went to dispute all my inquiries on line and to my amazement you CAN dispute inquiries online. so i did this and put reason as fraudulant inquiry. Well then they send me notification that investigation complete in less than 24 hours. and states inquiries will not be removed. I am at my wits end with this company. all the accounts that were on my credit due to fraud were all removed as well as all my inquiries from XXXX and XXXX but equifax continues to fight me on this. seems i will need to get attorney involved now. any help you all can do would be very much appriciated. this whole thing has been very time consuming and im running out of patience with equifax.