WillisBack/dataset-financial-user-claim huggingface dataset:
I was previously married to XXXX. We divorced in XXXX. Both XXXX and I are XXXX, and we carefully went through our financial matters, and dealt with all issues amicably. On any debt that had a balance, it was addressed in our divorce settlement. We were aware that there was a Home Depot account ( XXXX ), and we looked at the statements. The statement had his name only. Based upon the statement information, we concluded that the account was in his name, and I therefore, did not require him to close the account. 
I opened a separate Home Depot account in my name at the time, XXXX I have continued to use the account, and the account has been maintained in good standing. It is not showing on my XXXX credit report. I can provide account statements as necessary. Account XXXX. When I applied for the new account, there was no mention by Home Depot that I already had another account with them. When I setup my online account access, the account was not present. 
In XX/XX/XXXX, my ex-husband worked on some projects and used the card. I can provide the statement from that time, and you can see that it has only his name. You can see that there was a XXXX balance up until that point. He contends that he did not use it up to that point. XX/XX/XXXX, he had financial difficulties and the account became delinquent. In XX/XX/XXXX, he entered into a settlement agreement with a collection agency and has been paying this off {$25.00} a month. 
Citibank nor the collection agency ever contacted me related to any issue on the account. Citibank and Home Depot have had my contact information. As you can see from my credit report, I have maintained several accounts with Citi over the years, and I have a current Home Depot account which I had during that time period. I was completely unaware of the issues until I applied for a re-finance loan on my XXXX XXXX XXXX home in XXXX XXXX. I called Citibank, and they would not provide information on the account as I was not the primary cardholder. They transferred me to their delinquent accounts department, and I offered to resolve the account. They told me I was not the primary account holder. I have tried to challenge the account with the credit bureaus, but they state that it was a joint account. 
In summary, I do not believe that it is correct that this should show as continued negative credit on my account. Citibank did not properly display that this was a joint account on the Home Depot statements. There was nothing to indicate that it was a joint account. My name was not present. Secondly, when there was an issue they did not contact me regarding the delinquency. If they had, I would have done something to resolve it. When I did find out about it, I contacted them, and they would not let me resolve it at that time. This issue is completely beyond my control, but it continues to negatively impact my credit which is otherwise outstanding. I am a CPA and I need my credit history for my employment.
We send seterus a check # XXXX for amount of {$660.00} on XX/XX/2015 seterus mentioned on their monthly statements checks received after XX/XX/2015 will have a late fee added on to, for sure they received the check before XX/XX/2015 but they waited until XX/XX/2015 to cash it so they can add a {$10.00} late fee to it and this was not the first time seterus has done this.
I have fallen behind on my Home Depot Credit Card. When speaking with them to try to resolve this and make a payment arrangement, they asked me to update my contact information. After entering my correct information, I received an e-mail verifying my changes, my contact info has not changed throughout the course of my relationship with them. In the e-mail that they sent me, it includes my relatives phone number and not my own which they have always had. How did they get my relatives phone number and why would they have added it to my account when I did not provide it to them? I do not want anyone to now that I have fallen behind on my payments and it appears to my relative that I had provided their number to Home Depot and not my own. This is such an invasion of privacy. They should not have that number as I never provided it to them.
LoanCare purchased our mortgage from  XXXX   XXXX . Apparently they did a customary Escrow review and determined it was too low so our payment was raised. We were not informed.  LoanCare has admitted over the phone they failed to inform us. Therefore, our payment was about {$60.00} per month short. LoanCare accepted the auto draft p ayment from our bank, while considering our  XXXX  and  XXXX  payments to be late. We were informed of this by letter dated  XXXX / XXXX /  XXXX  . When we received that letter, we immediately called LoanCare on  XXXX / XXXX /  XXXX  . Spoke to female agent who stated that account had been reviewed and LoanCare was aware that we hadnt received notification of an increased payment. Agent removed late fees from  XXXX  and  XXXX  since it wasnt our fault and we made a payment over the phone to bring account current in the amount of {$150.00}. Again, we asked if the mistake would impact our credit, was told no it wouldnt since it was an error on LoanCares end and no further action would be required. The  two payments are on our credit report which has prevented us from securing financing for purchase we need to make. Each time we call LoanCare, we are told this is being escalated.
Equifax has denied me online access to my credit report despite an adverse action against me on XXXX/XXXX/2015 for which I am entitled a free credit report. They advised I am " locked out of their system '' even though I am able to verify and confirm that all my identifying information matches what they have in my file and answer any additional security questions. They were unable to provide an explanation as to why I am locked of their system and are unwilling to provide me with my own credit report or credit file number.
I had XXXX XXXX at my previous address in XXXX, nj. I had never been late or missed a payment. After a little over a year of having the service, we decided to put our home on the market and relocate to another city within the state of nj. I contacted XXXX to explain that I needed to cancel my service because we were moving. The customer service rep suggested I just freeze my account and unfreeze when we move into the new home. I paid my final bill and agreed to freeze the account. Unfortunately, we purchase a preforeclosure home and it took us nearly 10 months to close on the house. Once we actually closed on the house, I contacted XXXX to reactivate the service, but was informed that XXXX XXXX was not available in the part of town that we just brought a home. I was then instructed to return the equipment to a local XXXX XXXX store. I took all boxes and remotes to the XXXX XXXX store in which I was familiar located on route XXXX in XXXX, nj in XXXX XXXX. XXXX states they have no record of this and sent me a bill for {$1500.00} for equipment. I informed them, that I paid every service bill due on time. Every conversation is noted. I have no collection or lates anywhere else. Why would I not return equipment, i no longer can use? Why would i pay {$1500.00} for equipment I no longer use. I have since contacted Experian but to no avail. They seem to side with businesses. In fact, all other credit bureaus have confirmed and deleted this file except for Experian.
Chase Slate, I am POA and Legal Proxy for XXXX Aunt. We have a Special Needs Trust where the money is held by Chase Bank and linked to my personal accounts so I can pay my aunts bills. My aunt also has a Chase Slate card where her personal care attendants fraudulently charged to her card in XX/XX/XXXX. I have been try to pay her bills and get access to her Chase credit card so I can dispute the charges. All legal POAs and Trust docs were submitted to Chase Legal through XXXX XXXX at Chase Bank at XXXX XXXX XXXX XXXX, XXXX, AZ on XX/XX/XXXX. Today, I still have no access to the Chase Slate card. Chase linked the Special Needs Trust to my account but refuses to link the Chase Slate credit card for me to dispute the charges, get copies of statements and do other things I am required to do as her trustee. Legal docs refaxed on XX/XX/XXXX per XXXX to XXXX. Complaint submitted by Chase official to upper mgmt. again on XX/XX/XXXX when I spoke to XXXX, who forwarded me to acct supervisor, XXXX. Today, XX/XX/XXXX, I am  on the account as legal POA but have no way to access the account via computer to get copies of XX/XX/XXXX statements or dispute charges. Do n't understand why Chase will allow all of her money to be linked to my account, but not allow me access to her credit card to dispute fraudulent charges. My aunt is XXXX and only has use of XXXX XXXX. Please help!!!
When I spoke to the representative, they informed me that I had a bill from  XXXX  that I had owed. I asked them for a copy of the contract and they sent me nothing but a bill but no verification. The representative was extremely rude and term " entitled veteran '' when I was letting them know that because of my  XXXX  I can not continue the call and will disconnect.
I 'm having a problem with Citizens Bank and my account again.They have debited my account for {$64.00} for a XXXX overdraft. I had enough money in the account to cover the items and I also credited the account {$1.00}. When I called the XXXX # the bank representative told me to read my account brochure and hung up on me. Please help me -- this bank will take all the money I have out of my account and I have bills to pay.
I am looking at my credit report and I see fraudulent addresses that are not mine on my file. I am a victim of fraud and I am current in the process of filing a FTC report. Someone has been using my name and ss.I HAVE NO IDEAL WHY THESE ADDRESSES ARE ON MY FILE PLEASE DELETE THEM ASAP!!! XXXX! 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX My name is XXXX XXXX XXXX MY PLEASE REMOVE ANY VARIATIONS OF MY NAME THEY ARE NOT ACCURATE. 
MY ADDRESS IS XXXX XXXX XXXX XXXX OH XXXX
I have a {$4000.00} credit limit and I had an {$1100.00} credit balance on my credit card account. My credit card account when I tried to make the purchase was - {$1100.00}. I wanted to charge {$5000.00} on the credit card. The card was declined, even though it was below the credit limit with the credit balance of {$5200.00}. I contacted the card issuer but they would not allow me to use the credit limit and credit. They said I could only use the {$4000.00}, which was my credit limit and then I couldn't use the credit until the authorization became completed, which with Capitalone is usually 4 to 5 days. So, I am unable to access my credit balance for 4 to 5 days and I wanted to make a purchase using my credit limit and my credit balance. I asked why I couldnt just do two transactions ; one for the credit balance and then one for my credit available on my card but they said until the transaction was processed for the {$4000.00}. I won't be able to go beyond that amount until again, 4 to 5 days when their authorization processing is complete. I am unable to make the purchase as I wanted to and I had to draw money from my bank account, when I had a credit balance on my credit card. I don't think they should be able to deny me the access to my credit and my credit limit. I spoke to a supervisor, XXXX XXXX and asked him to authorize it but he said he couldn't. He said I would have to wait until the authorization is complete, which again, is usually 4 to 5 days in processing with Capitalone. They have the slowest processing of all the credit card companies. It should not be legal ro deny a credit balance. Any credit balance should be included with your credit limit as you are not going beyond your credit limit if you have a credit balance behind the two totaled together.
I had XXXX auto loans with Toyota Motor Credit which were paid off in XXXX and XXXX. Since these dates they have appeared on my credit report as " pays as agreed ''. I have attached a copy of my report which details each month since these dates as marked XXXX and XXXX Then on XXXX, Toyota reported these account as Pays 31-60 days and 90-120 days even though they were paid off years ago. There was no reason to change the status of these account as I did not owe anything to Toyota and for the past nearly 6 years they have been reported as " pays as agrees ''. I wish Toyota to change the status back as had been reporting. I had previously disputed why these old account remained on my record, and then Toyota goes and puts old information on my record that has no meaning and relevance at this time. I have attached the XXXX pages from my XXXX Credit Report for XXXX which shows both accounts reported as " Pays as Agrees '' and the XXXX pages from XXXX, which the account status changed. And on XXXX report you can clearly see the many years after the accounts were paid, there was no negative reporting by Toyota Financial. It is very harmful to me that Toyota for no reason would ruin my credit record now, for payments nearly seven years ago, when in reality these accounts should not even still be on my credit report. Please have Toyota correct the status back to Pays as Agrees. Thank you.
On XX/XX/2018 a company requested my SSN for credit check. I refused and did not provide my SSN. The inquiry appeared on my credit report regardless and I disputed it with Equifax. I checked today the status of the investigation and it says completed however I was not notified of the result and the inquiry is still not removed Investigation reference is # XXXX
I am a victim of identity theft. Someone stole my personal information and identity, has been impersonating me for over 30 years opening fraudulent and unauthorized credit card accounts in my name. I been receiving harassing phone calls and death threats regarding the fraudulent and unauthorized credit card and collection accounts and student loan account. The following credit card and collection accounts, hard inquiries and public records are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXX, XX/XX/XXXX, {$14000.00}, XXXX XXXX, XX/XX/XXXX, {$5000.00}, XXXX XXXX, XX/XX/XXXX, {$8400.00}, XXXX XXXX, XX/XX/XXXX, {$5900.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$7300.00}, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX, {$290.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$25.00}, XXXX XXXX XXXX XXXX, {$390.00}
Hello my name is XXXX XXXX. I am one of many victims who have been 100 % mislead or misinformed by an online predatory lendind institution engaged in illegal business called Big Picture Loans. Theyre a tribal institute supposedly located at XXXX. XXXX XXXX XXXX Michigan XXXX although after agressive research another victim reported them as operating out of the XXXX. I can not give you actuall dates as i can not bring up my account info, and cant contact them as they wont answer their phones. Shortly about a week before XXXX i responded to an offer via online to a preapproved money lending offer. Halfway through the online application i received and took a phone call from them. They stated that the app was approved and could have money in my account tomorrow. They stated there would be a {$120.00} finance charge. They didnt tell me there was an 850 % interest charge. Days later i received an e-mail with a breakdown of scheduled bank withdrawal payments. In re its going to cost {$3700.00} for a {$500.00} loan. I am currently seeking an attorney to get this issue resolved. These people should be stopped as they are scamming hard working people out of their money. With the advise of my bank i closed my account.
Today XX/XX/18, I received a notice from XXXX XXXX that SYNCB ran a hard inquiry on my credit. I did not apply for credit not did I authorize a credit check. 

After researching the matter online, I found many others with the same issue, reporting that it was next to impossible to have the check removed through the company or XXXX.
PERSON CALLED ME LOOKING FOR MY SON. I TOLD HIM I HAD NO COMMUNICATION WITH MY SON AT ALL ( WHICH IS TRUE ) AND ASKED THAT HE DO NOT CALL ME AGAIN LOOKING FOR HIM. HE SAID HE KNEW I WAS LYING THAT MY NAME WAS ... ... AND STATED MY NAME AND KNEW I WAS THE MOTHER OF THE PERSON HE WAS CALLING FOR. I TOLD HIM EITHER WAY DO NOT CALL MY NUMBER AGAIN, THIS IS A CELL BY THE WAY. HE THEN SAID HE HAD THE RIGHT TO CALL ME AND THAT IF I HUNG UP ON HIM HE WOULD JUST CALL ME BACK CONTINUOUSLY. I TOLD HIM THAT I WOULD CONTACT MY ATTORNEY AND TO GET A REAL JOB, HE THEN TOLD ME I WAS NOT A VERY GOOD XXXX! HOW DARE HE BRING ANY RELIGOUS CONTENT TO THIS CALL. I HUNG UP, HE CALLED BACK, I IGNORED THE NUMBER, THEN HE CALLED XXXX MORE TIMES SO THE LAST TIME I ANSWERED AND PUT MY PHONE UP TO AN ALARM AND BLARRED IT INTO THE PHONE SO IT WOULD BLAST IN HIS EAR. HE DID NOT CALL BACK YET.
My name has been XXXX XXXX XXXX since I got a divorce in the year XX/XX/XXXX. I married XXXX XXXX XX/XX/XXXX. When we got divorced I went back to my maiden name which is XXXX. I do not understand how it magically went back to XXXX? Can someone PLEASE help me regarding this matter. Also I have filed a police report as well. 
XXXX Bless Truly, XXXX XXXX XXXX XXXX Born XX/XX/XXXX
XX/XX/2018 XXXX, Equifax and XXXX despite my 3 previous written requests asking them to provide me with the name of the person in there company who verified that these accounts under XXXX XXXX XXXX are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file THEY ignored my rights and failed to show what was used to verify. Their actions clearly demonstrate willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and their responses to them.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX XXXX XXXX XXXX is showing that my account was opened in XX/XX/XXXX and is currently closed. It shows closed in XX/XX/XXXX. They also show a monthly payment of XXXX which is what I have paid every month for the past 8 years now. This is my current child support amount for at least the next 10 months. They randomly show months where it was not paid and where payment was late. Currently they are showing a balance of {$7.00}. YES {$7.00}! They also show that the account was in collections and was charged off. This account was not in collections ever and was never charged off. This is a government run thing and is required that I make all support payments as I have been for the past 8 years. <P/>They are showing collections/charge offs in the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Now also showing a {$7.00} collection charge off fee. <P/>There are NEVER any collections/charge off fees associated with this account since it is a government required child support payment account. This should not be handled in this way and is completely destroying my credit with agencies XXXX and Equifax. <P/>What they should be doing is sending me a bill/late statement every month if in fact I have some overdue amounts and then they should wait a month or so for me to catch up on those payments if I am late. Then they should send notices that they will be forwarding my account to collections if I do not pay it. They should provide a means to get it caught up. A means to contact someone to do so. Then after several months of me completely disregarding them, they should put it in collections as normal. <P/>What they are doing is if I have XXXX to pay each month and I only pay XXXX, they immediately the next month will show XXXX is charged off in collections. There is no bill and there is no communication whatsoever on what they are doing. Whereas I may pay XXXX the following month. I forever have this damaged information on my credit report. This is completely unfair not only to me but to every other person out there in the Nebraska court system trying to make payments of child support on time. This is a systemic issue and not isolated to me.
I have made numerous calls to just as many people to resolve this issue. I made my regularly due car payment ... by separate mail with instructions I also made a {$1000.00} payment towards the principal. When I called to confirm receipt the CSR who took my call advised me that no payment was do and I would n't receive my next months invoice for same. When I did get the next months invoice they charged me a late fee ... and continue to do so today, They went over a month without applying the {$1000.00} as directed to the loan principal. When I ask to have the late fees reversed and proof that the {$1000.00} was applied ( I have NEVER been late in over 53 payments ) they claimed they could not ... and my fear is for my credit rating possibly being damaged because of their faulty bookkeeping procedures. I 'm also concerned, hence this complaint, that other less outspoken borrowers then me are being ripped off too ... how long has this way of doing business been going on at HMFUSA? I would caution other borrowers to check every invoice and at this point do n't try to pay in advance toward the principal.
XXXX XXXX XXXX collection agency is reporting on my Equifax credit report. They have no legal right to report any derogatory information on any of my credit reports.
All XXXX credit agencies have incorrect information regarding my current address. They also do not have an accurate history of my employment. XXXX has not been updated since XX/XX/XXXX. It is difficult to say how these inaccuracies are influencing my credit score. While I have a rating of XXXX on XXXX, I have XXXX on TransUnion and XXXX on XXXX. ( In XX/XX/XXXX it was between XXXX and XXXX. XXXX is the most accurate. ) The gap is significant and without question will affect my ability to apply for loans and credit cards, as well as seek employment. I only have XXXX account with a potentially negative report, due to a late payment in XXXX XXXX. Other than that, there is nothing that should negatively effect and cause a significant drop.