WillisBack/dataset-financial-user-claim huggingface dataset:
Home Depot has lowered my credit amount based on information obtained through XXXX. XXXX/XXXX  has not accepted a payment sent out on the to be received by XX/XX/XXXX. They have the payment on their books, and yet, this amount has not been taken from the bank. I'm told this money needs to be cleared by the bank. It was cleared from the bank the minute it was sent to them. This transaction and very suspicious. I have spoken to a customer service rep. so that I can get a cal back with 24 to 48 hours. This is very, very bad business practice.
This " XXXX XXXX '' electric bill originated in XX/XX/XXXX. The supposed current balance is {$560.00}. The statute of limitations in Michigan is 6 years. I have been directed to several companies, and no one has produced any paperwork. XXXX  has already approved the dispute and has removed it from my Credit Report. I am just hoping this will encourage XXXX and XXXX to follow suit. For approximately 6 years, I never received any correspondence for this account, nor any calls. This item popped up on my credit report out of the blue over 5 years later in XX/XX/XXXX. I don't feel this is right and given the timing, this item should be removed from all XXXX of my credit reports. Due to the time sensitivity, I am hoping that this will expedite the removal process from the other 2 credit bureaus, XXXX and XXXX. Once again, XXXX has already deleted the item. Please help.
I am being sued by XXXX XXXX, XXXX. for a GE Capital/ SYNCB/ Lowes credit account. 

In XX/XX/XXXX I was offered a debit relief settlement over the phone. I was to make the payment on or before the account due date. When I went to make the payment at the store the account was closed. 

The summons from XXXX XXXX, XXXX shows in a statement that the account was closed prior the to the due date. 

Documents presented by XXXX XXXX XXXX do not include any arbitration information for the account and serve to further my claim the account was closed prior to the due date. 

The court date is XX/XX/XXXX.
Chase is our bank, and we have filed several requests/complaints that XXXX has been charging our account without authorization for over a year. Each time we have requested that they refund the charged amount, refund any related overdraft fees, and not allow XXXX XXXX to charge our account. We just filed another complaint today, but we do not expect chase ( despite proof from XXXX via an email response that they do not have an account for us ) to help us any longer. They are making it way too complicated to receive help or assistance. We have provided proof. they have asked us in the past to try reaching out to XXXX  again. They will not accept our call about the charges because they can not find our account despite us providing ALL of our personal information, cards charged, bank info. We tried to log in online - same problem - no access because we dont hav an account with them. Finally they responded in writing via email - with a stupid response that " maybe we didnt provide them with the right information to find the account ''. We have provided them ALLLLLL of our information and they can't find it. We are also filing a complaint with the XXXX  DA 's consumer office against CHASE and XXXX who we can only assume are now in on this together in some screwed up way. We are hoping you can help us force Chase to immediately refund our money going back at least 7 months ( more than their standard refund period - due to their inaction - at the very least once they received the complaint and our request to stop allowing them to charge us, they should have stopped it ).
I had a mortgage loan with XXXX XXXX XXXX and it took over a year to get a modification but I finally did itMy payments went down to about XXXX. A monthI did n't want to lose my house so I went thru the painstaking processAfter a couple months XXXX XXXX XXXX sold my mortgageTo nation star and they immediately raised myPayments back to almost XXXX. A monthI can not afford this payment and XXXX XXXX XXXXNor nation star will advise or help meI am an XXXX yr old widow with very little incomeAnd just went thru a bout with XXXX XXXXMy home is totally falling apart and I have no moneyTo fix itIt floods the air and furnace do n't operate rightI have plastic bags in windows and doors to keepThe weather out my windows are rotting roof leaksYou name it I 'm in trouble I do n't know what to doTo get my payments back down so I 'm not homelessSomeone please help meI 'm even going XXXX and losing some XXXXAnd no money because it 's all getting eaten upBy my mortgage paymentGOd, will someone please guide or advise me whatTo do?? XXXX XXXX XXXXXXXXXXXX
I paid off an old Credit Card Debt and was told it would be taken off my credit and not listed as settled. It is now listed on my credit as : Charged off as bad debtDispute resolved ; reported by grantor This is damaging my credit and would like it to be resolved and taken off since I paid the full asking amount that they where asking.
I set up auto pay through my financial institution to pay this company monthly. There have been several payments made electronically with no issue. Now all of a sudden they can not locate my XX/XX/XXXX payment that was due on XX/XX/2017. I started to receive several phone calls from this company regarding this issue. I explained to the representatives that the bill was paid and verified through my online banking and they continued to tell me that i was wrong and the payment has not been received. The representatives continued to blame everyone from my bank, to the post office as well as myself for even having to borrow a sum of money. Since this company is a 3rd party lender, i contacted the parent company XXXX, regarding this issue. After filing a complaint with XXXX, a manager, XXXX XXXX, that represents the company called me regarding this issue. I took this opportunity to call my financial institution that paid this company and had them on the phone at the same time. My bank had sent the lender a rolling bank statement via fax showing that the payment was made on XX/XX/2017 at XXXX ET and that the payment was accepted. My financial institution told XXXX XXXX that they needed a statement on their company letterhead stating that the payment was not received on the date and time the statement states the payment was made. XXXX XXXX did not seem to understand why she needed to do that and stated that she had to run it by the " lawyers '' which seemed very odd and concerning. XXXX XXXX did not seem to agree with the fact that she had to dig a little deeper into the issue seeing as how her company is alleging that the payment was n't made and disputing the issue. I did EVERYTHING i needed to and also went above and beyond considering that all my information states the bill has been paid. XXXX XXXX was also given direct contacts along with their phone numbers, e-mails and rolling bank statements. It is not my fault that this company can not keep track of the payments that are received. I set this bill up for auto pay so i would not have this issue. i have also made several attempts to contact a representative from this company, along with leaving XXXX XXXX several voice mails requesting an update regarding this issue with no response. Also this company has several reviews online with similar issues. Something needs to be done regarding this company. Many issues have been reported online very similar to the issue that i am having.
I recently applied on-line with SpringLeaf Financial for a personal consolidation loan and was approved on-line and was told that I to call to speak with a loan officer to process the loan. I called and provided detailed information to the specialist which included the fact that we had XXXX vehicles which were owned and had a loan out on them as well which we desired to consolidate in this new loan. Whereby, the bank would receive the XXXX titles as collateral. I was then informed I only needed to send in my last XXXX pay stubs to complete processing the loan. With this proof on income the loan should have been seemlessly processed. However, on this morning I was told they would not process the loan since the collateral has money owed to XXXX which they were made well aware of on yesterday before requesting me to send in my last XXXX paystubs. This is Credit Discrimination in and of itself. I had a longstanding small loan with them from last year which has been paid back consistently and never late. I repeatedly received solicitations about renewing or applying for an increase, prior to me applying on line yesterday. The practices of this firm is blatant discrimination towards XXXX minorities specifically. They should be ran out of business and not be allowed to practice anywhere in the United States of America.
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX, XXXX, XXXX XXXX date:XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX
I currently have XXXX private student loans which were sold to debt collection agencies. The first loan has sent me an invoice with what I owe, total interest, a breakdown of monthly payments due, and when my loan will be paid off. The second loan is with an unregulated debt collection office called Gaba Law Corporation. The only actual lawyer there is the owner and the XXXX people I have dealt with are not lawyers. When I ask them for info on what interest will be charged and how much interest I have paid up to date, they do not give me straight answers. The person who handles my file is very short with me and instead of giving clear info like how much interest I paid for the month or by when my loan will be paid off, he sends me short, irritated emails with vague information. In XXXX my balance was {$7200.00} and I have since paid {$470.00}. My balance is now {$7000.00}. Only 40 % of my money went to principal. 
My other debt has charged me 10 % for the total amount owed annually, so it 's a set amount for the year and I make monthly payments which lowers the principal substantially. Gaga Law Corp. charges this 10 % interest per day, and changes the amount every single day so I can never keep up with what I have paid and what I owe. As far as i 'm concerned with what I can afford to pay them I 'll be paying them for countless years considering the amount of interest I am being charged. I have emails proving all of this information above showing the vague, unhelpful, rude emails they send me when I ask for simple information.
Citibank offers their customer a free credit ( FICO ) score and on XXXX/XXXX/16, I recevied an email from Citibank notifiying me of my current score which was obtained from XXXX. 
According to Citibank as of XXXX/XXXX/16 my credit score was XXXX. In XXXX 2016, I filed several complaints with the CFPB against XXXX in regards to my credit score and disputed the accuracies. On or around XXXX/XXXX/16, I received and updated credit report from XXXX and it stated my current score was XXXX. I tried to reach out to Citibank and XXXX to dispute the inaccuracies and find out why there is XXXX different scores and nothing had change excepted for payments which should increase the scores not lower it by more than XXXX points. To date Citibank has refused to look into the matter and provide a response or corrective action.
My husband lost his XXXX business in XX/XX/XXXX. Since then he has been working in the XXXX but was getting laid off constantly due to lack of work. He is now working as a XXXX employee for a good company and we are again hopeful. 

In XX/XX/XXXX we were approved for a loan modification and right before we made our last trial payment, they switched our servicer to Specialized Loan Servicing on us and told us we had to start the process all over again. I have been working with them consistently to get a modification so we can continue living in our home with our XXXX children but they have given us the run around saying they lost paperwork, sent paperwork to the wrong department, etc. Then in XX/XX/XXXX they said was that there was a sale date on our home and there was not enough time to evaluate. I went to the Sheriff 's office and got a postponement. After that, they got another postponement of XX/XX/XXXX. Since I had n't heard from anyone ( another issue with SLS ) I called them and they told me that we were denied because of income. After finally pulling up the hard copy of the denial on the internet, I realized that they did not have current income information for my husband. 

I went to the Judge in XXXX county and told him what had happened and asked for another postponement. He granted it and the new date is XX/XX/XXXX. I have also contacted XXXX NJ and am working with XXXX XXXX who suggested I contact you. 

There is a lot more information than this as we have been going through this since XX/XX/XXXX. If you need anymore information I will gladly supply it.
I have contacted TransUnion on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX concerning the Bankruptcy that is inaccurate and reporting on my TransUnion Credit Report under XXXX XXXX. I requested that it be removed from my account, after l contacted the XXXX XXXX XXXX Wisconsin United States Bankruptcy XXXX, who informed me that they did not verify or validate to TransUnion and they do not report to credit agencies. TransUnion still has not removed the Bankruptcy. I want it removed immediately.
on XX/XX/XXXXI opened an account with Coinbase to purchase digital currency. {$4000.00} was moved to coinbase which I then purchased XXXX. A few minutes later my account was closed by coinbase for no reason. Now I cant access my account and the money was taken from my bank account.
I 've called them over 20 times, but no answer and they just hang up. I 've also send over 10 emails. 

I need to have acces to my account to transfer the coins. Right now they are holding my money and not giving me access.
I was looking to buy a car and while shopping I had mentioned to the XXXX that I had a credit report and did not want them they run my credit. 

On all three credit report XXXX XXXX TransUnion shows that my credit was ran several times. I have a total of XXXX hard inquiries. 

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
I recently received my credit report and noticed there are inquires on it  that are damaging my credit score and my ability to obtain new credit is being jeopardized. I formally request that all non account holding inquires be removed immediately.
This debt was part of bankruptcy. The home was foreclosed on through bankruptcy. I had my attorney write a letter to the company they closed the account but it still shows as an account that was in non-payment for XXXX months therefore really hurting my credit, which should not be on the credit bureau 's reports as the debt never should have been applied.
I woke up this morning with a credit alert in my email. The alert was from XXXX about an account by Ability Recovery Services. The original debt supposedly was from XXXX XXXX. They are claiming I owe {$1200.00} from classes? I dealt with these people years back, before 2012. I had cancelled the program. Now they contact me 5 or more years later and just listed this on my credit report. Its interesting to note that this is the first time I have ever heard of this. I would like to see proof of my original signature and other information to prove this debt is mine. Like I said, years ago I had contacted them about a program, but cancelled it because credits would not transfer to a state university. I was XXXX with a XXXX XXXX in 2012, and know I would have not signed up for a school program. Half the time, a can not even see to read books and other information. XXXX XXXX was also involved in a class action lawsuit for deceptive and misleading conduct. Maybe the governement should look into the relationship between Ability Recovery and XXXX XXXX. I think they are trying to scam people. Do the research, it is all over the internet.
My name is XXXX XXXX .I have a few items of personal information on my file that is inaccurate First I would like to request a opt-out of your disclosing future information until further notice including the and other furnished TRANS UNION XXXX XXXX XXXX XXXX inquires regarding all personal information. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I am a business owner my company is XXXX XXXX XXXX XXXX XXXX XXXX. I have had issues with addresses on my credit report that do no belong to me. The following addresses are not accurate please delete them : XXXX XXXX XXXX, XXXX, OH XXXX 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 XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX OH XXXX XXXX XXXX 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 XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX
Chase arbitrarily suspended access to ALL my Chase accounts on XX/XX/2018, including my checking account and 4 credit cards, because somebody who has Quickpayed me many times previously tried to Quickpay me money. 

The other account sending the transaction was a Chase account, and there was a 3+ year history of money transfers between my Chase account and theirs. 

When I called the number on the " your account access has been suspended '' screen, they informed me that my account was fine, but they had suspended online access and the accountholder sending me the Quickpay would have to call and verify the Quickpay transaction before they gave me access again. 

Fast forward more than 6 hours of dealing with Chase on the XXXX and XXXX, and the accountholder had not only called and verified the transaction, but also gone into a Chase branch and verified it, and my account was still locked, INCLUDING access to my credit cards. 

On XX/XX/XXXX, I have another 2 hours on the phone, and my account is still locked, with them insisting they can only verify my identity by texting a defunct phone number on my account, and refusing to text the other number already listed on my account. I close the checking account over the phone at this point, because their conditions are ridiculous, their customer service is awful, and I'm pretty irritated at this point and no longer want to bank with them. 

On XX/XX/XXXX, I try to log in to pay my credit cards, and I'm STILL locked out, even after the transaction was verified and I closed my checking account. ANOTHER 2 hours on the phone being transferred to 5 different people, and despite never having done anything wrong, having the transaction verified by the other accountholder both on the phone and in person, and closing the account, I STILL don't have online access to my 4 Chase credit cards, and they refuse to grant this  access unless I go into a physical Chase branch. 

I opened my Chase account in an area with lots of Chase branches, but moved 4 years ago to an area where the closest Chase branch is 200+ miles away. 

So my choices now are close the Chase credit card accounts and ding my credit report with a lot of lost available balance and age of account, or spend literally an entire day trying to travel 200+ miles to fix it, when it's their screw-up, it's been verified on the other end both on phone and in-person, and I've done nothing wrong. 

If that sound like what you want from your bank, I heartily recommend Chase and their products.
M y line of credit that I had with Citibank ( Best Buy ) was suddenly closed due to a soft credit pull initiated by Citibank, In the soft pull inquiry according to the account closure letter I requested listed below is what the cause was for the account   closure.   N umber of accounts with delinquency Length of time credit history has been established Balance on your account with us Balance on your account *The problem with this unfair account closure is that all of the accounts that are listed delinquent on my credit file are from Identity Theft and is in the process of being disputed with the various companies and credit bureaus. I have reported myself being a victim of ID theft to every agency possible to try to clear my name way bef  ore this closure occurred. I have called Citi Bank on numerous occasions about this issue but I get told the same thing, they can not reopen an account once it 's closed and the ID theft had no bearing basically. Also the closure of this account has had dire affects on my credit score causing another one of my major credit cards to close my account it has became like a domino effect, I think it is so unfair  and unjust for me to be put in such a financial ruin because of being a unfortunate victim of Identity theft.
Equifax had a breach of security compromising my information along with 150 million others. I failed to receive a notice at all and found out via social media and upon checking found my information to be compromised almost a month after the security breach.
I have been receiving calls from a company called RPM ( Receivables Performance Management ) for several weeks, claiming about a debt I own. I think they are either scammers or someone has given my personal information to them. I am an customer of XXXX insurance which was subject to a recent hack and data leak. 
They either call and hang up or leave messages. Most calls are on the weekends in the evening or early morning. The XXXX time I was able to talk to a representative they were unable to tell me what creditor or company was seeking payment from me. I hung up. I 've already checked my credit report and have no accounts in collection nor have I been turned over to collection by any of my creditor. I 've block the XXXX numbers they have tried to reach me at, but I still get voice-mail messages
I only have XXXX credit card with XXXX. XXXX cards with XXXX different balances are showing up. one needs to be removed
I am a veteran widow whom is a recipient of Maryland State Medicaid and have been for several years. Therefore, the State is responsible for my health bills at XXXX cost to me.
ok Equifax give information to another people and they got my identity fraud and also they put alert like 3 times and the chage my address with equifax