WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015, I disputed XXXX judgements on my credit file with Equifax , case numbers XXXX, XXXX and XXXX, all XXXX judgements came back as verified by the XXXX County Court. I have proof from the court system that there is no reocred judgement for XXXX and XXXX, I have tried on numerous disputes to have these removed from my report as they are not recored judgements and are not mine, each time they come back as verified. I am not sure who I need to contact to start legal procedings for these errors that are being falsely placed on my Equifax report. Furthermore Equifax makes it impossible to go back a view your documents as they are not avilable online you can not print them nor can you view them. I have proof but I am unable to attach the doucments is there anyay that I can make copies and mail?
I have three overdraft fees for XX/XX/2019. I made a deposit to cover the overdraft fees in cash on the next business. According to Wells Fargo they will waive those fees in this situation. 

The bank refused to assist me
I have disputed the late payments on XXXX/XXXX XXXX, XXXX/XXXX XXXX OF HI XXXX, XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
was paid for work with money order from western union for work on a car. called western union to make sure the money orders where good. they told me yes. i asked them about the possibility of them putting a stop payment on them after i took them as payment and western union said that as long as i had both the money order and the receipt of the money orders that they couldnt put a stop payment on them. the next day i went down and cashed one of the money orders with no problem. about two weeks later i went to cash the other one and they told me it was no good and that i owed them XXXX for the one i cashed. i tried for months to solve the problem with western union but with no luck. finally they told me they were having a hearing on the validity of my complaint and to get a hold of them in a couple weeks. when i did they said that they were not gtoing to pay me and that i still owed them the XXXX i figured i got ripped off. i kept the money order and just ran across it the other day ande my girl friend talked me into following up on getting paid.
In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was XXXX. Upon checking my credit report, I discovered that XXXX is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing, on the summary page, accounts that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a XXXX account. XXXX accounts can NOT be late-ever. 

Section XXXX of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been XXXX in a bankruptcy as " bad debt or late '' if the account was open and not XXXX off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A XXXX DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. My fico score has been severely damaged due to the credit bureau 's inaccurate reporting. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision that was unavoidable. 

On XXXX XXXX, XXXX, I spoke to XXXX, Equifax rep and XXXX, supervisor, about the violations. XXXX told me that bankruptcy is negative and they will NOT remove the negative listings. Even when I explained that her company was in blatant violation of the FCRA and Bankruptcy XXXX, she refused to correct the severe damages to my credit report that they caused.
XXXX/XXXX/2015 -- I received XXXX inappropriate phone calls from the 'debt collectors ' Credit Protection Association XXXX just today! First call was at XXXX - which is outside of the allowed call hours. Then at XXXX - they called me XXXX times in a row. They did not leave a message, just called XXXX times in a row - using up my phone minutes and harassing me. I do NOT owe this company anything and I do NOT appreciate being harassed! I have not received any written communications from this company and I do not know what they is about. -- - Also, upon investigation into this phone number, you will find that they have hundreds of complaints for spamming, scamming, calling outside FDCPA parameter, etc .... they need be stopped.
Earlier this year, a rep from our mortgage company ( CitiFinancial ) called to let us know that they were going to possibly be readjusting our mortgage. They said they would be sending someone to do an appraisal, and based on the determined value, they would be reducing the amount we owe on our house. They also said they would be giving us better terms for our mortgage. Since we have been paying on our mortgage for ten years and the principal has not gone down at all, but has actually increased, we were pleased that our terms could improve. They then had us begin working with another company ( XXXX XXXX XXXX ). This other company made it seem as though they were going to refinance our house for the amount of our appraisal and would give us a better interest rate ( our rate through Citi is around 10 % ). They gave us a list of things we needed to provide, and we gave them back the information they requested. They then sent another large packet of information to send back to them. This took us a long time to complete, and was complicated. We sent it back and had it returned a couple of times because they wanted more information. We gave them what they wanted. They then sent us another long list of things we would need to repair on our house to qualify for the mortgage. They said that our house would only appraise for the amount we conducted all the repairs. These repairs were extensive and would have cost us more than XXXX dollars to complete. They gave us a deadline ( a few weeks ) and then stopped working with us. Recently, I began looking online for some information about our mortgage company to see if there was a reason why they had to contact us in the first place, and I learned that on XXXX XXXX, 2014, Citigroup announced that they came to a settlement to resolve residential civil claims of predatory lending. Here is what I found : XXXX. I believe our loan was one of the loans that should qualify for " principal reduction and forbearance for residential loans, as well as other direct consumer benefits from various relief programs. '' We believe that it was never the intention of CitiFinancial nor XXXX XXXX XXXX to ever refinance our house or reduce our mortgage amount.
Shortly after Synchrony Bank approved me for a JC Penny Card, with a {$500.00} credit line, and an upgrade to the JC Penny Gold card Synchrony Bank notified me in writing that they have XX/XX/2016 that they have lowered my credit line to {$100.00} Currently as of XX/XX/2016 Synchrony Bank is being sued for these deceptive credit card practices, and in my case Synchrony Bank lured me in using the hook and bait method by even upgrading me to the JC Penny Gold Card still only {$500.00} credit line that got reduced to a {$100.00} credit line because they found my credit score was low. My credit score was not checked before they even issued me the plain JC Penny charge card Synchrony Bank has been doing this practice of issuing JC Penny cards than lowering someone 's credit score, even to their own employees as I was told it was done to a JC Penny employee at the JC Penny XXXX Mall. I would think this is not only deceptive but also illegal. Should I have a case an Attorney sees my complaint please contact me immediately as I would definitely go after a lawsuit against Synchrony Bank because it seems they purposely issue JC Penny charge cards and upgrade the charge cards shortly just to ruin their consumers credit. Synchrony Bank needs to be punished like GE Capital was pay hefty fines so they no longer can exist in business and the Synchrony Bank employees be put in Federal State Prison for XXXX or more years. 
My second desired settlement is to give me the higher numbers back on my credit score. And remove information that does not even apply to me like living in XXXX NJ
Transunion conducted investigations on unauthorized accounts and inquiries for many years since XX/XX/XXXX and still have not removed negatives. 
XXXX XXXX XXXX XXXX collections and other collection was deleted and it was put back on my credit report again XX/XX/XXXX. 
They always implement a verified and no change.Why? 
Is because Transunion allows the companies to do whatever they want on consumers credit report. 
Transunion has partnership relationship with companies.banks.and this XXXX dollars companies dictates the consumers credit to keep them in poverty. 
Federal Government respectfully needs to mandate stricter Federal laws that credit reporting agencies can not have no business partnership relationship with companies.
I have been a Bank of America customer for over 12 years and I have 2 credit card accounts established with them as well as 3 other personal banking accounts. One credit card has been active since XX/XX/XXXX and the other since XX/XX/XXXX. I have never been late with a payment, I consistently make payments in excess of the minimum monthly payment due, and neither card is at its credit limit. I received a letter this weekend indicating that my accounts were closed permanently and I needed to update any information that was associated with those accounts. The reason given was that my risk profile had changed and did not align with their risk tolerance. The only thing that has changed about my risk profile is that another unrelated credit card account that had no balance- was compromised due to fraud. I was made aware of this by checking my credit report at which time I contacted my credit card company since they had charged late fees and reported the account as delinquent based on the fraudulent charges. The investigation has been completed, the charges and late fees and credit reporting have been removed/reversed. Bank of America made no attempt to call me to make any inquiry or even inform me about the account- they just closed and I was embarrassed at two merchants because the card was declined before I had knowledge of the account closure. When I call the number provided with the letter, I am met with a message that says we are not going to explain any further why we closed the account and we will not reconsider our decision.
I canceled my account on   XXXX   XXXX   for both phones.  XXXX  attempted to tell me months later that it is their " policy '' to refuse to cancel customers accounts on the dates their customers actually cancel but whichever date  XXXX  specifies. Additionally,  XXXX  attempted to tell me I had a contract. I did not. I had a leased phone. I only owed  XXXX  more nominal payment, which I made.     When I started service with  XXXX , I was billed for 2 months in advance. I paid that incredibly expensive bill. I still have a copy of that bill. I offered to provide  XXXX  with a copy of that bill. When I canceled service, I was never refunded for the prepayments of services that I pay on a monthly basis ; as it is "  XXXX  's policy to bill at least  XXXX  month in advance. '' However,  XXXX  was billing me for an additional 3 months in advance. When I disputed the bill, they sent me to collections.     I have had to hire an attorney to dispute the bill. Not only has  XXXX  sent me to IC Systems for collections. I have only received  XXXX  notice from I C Systems. I c alled IC  Systems and in formed them that this was in litigation. They still posted this to my credit report against the FCRA. According to FCRA, punitive damages are also in order. This is illegal.
There is a charge that said XXXX then a creditor took it and charging me for debt i do not have.
I have repeatedly disputed and requested verification and validation of the debts listed below for over two years now. Equifax has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. 
During this time, I have experienced the adverse results of your erroneous reporting, including denial of credit and housing, reduction and closure of credit lines, loss of property, near foreclosure, incurrence of usury interest charges, and emotional distress. To properly validate a debt by law, Equifax must provide me with a copy of the original contract signed by and obligating me to this debt. If Equifax can not provide such proof of debt validity, the account must be deleted form my report. Equifax has negligently and willfully failed to properly investigate the disputed debts, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.

Acct Name Acct # Status XXXX XXXX XXXX Not Validated XXXX XXXX XXXX XXXX XXXX XXXX Not Validated XXXX XXXX XXXX Not Validated
My husband passed away and as a result I ended up in a Chapter XXXX bankruptcy which was XXXX on XX/XX/2014. Chase Bank continues to show up on my credit report as a balance that is past due, preventing me from rebuilding my credit and damaging my scores. At almost XXXX years old, my bankruptcy attorney told me that they ca n't do that, but he ca n't help me fix it. Please have change correct their errors and apologize.
I talk to Experian office of consumer affairs that no companies cant access my Experian credit report when they tried to access it they get no hit and also I tried to access it thru Experian .com and it keeps giving me a message saying technical difficulties theirs no freeze or credit lock on my report. I think Experian office of consumer affairs put a block on my file from their system so that I can't access it or any other creditor also I call them about this all the time is they act like theirs no problem with my report what they doing is holding my file hostage it's causing damage to me in delay me in getting credit. My name XXXX XXXX social XXXX XX/XX/XXXX date of birth please take action
XXXX ACCT NO XXXX is reporting wrongfully on XXXX and transunion credit files.the date of first delinquency is XX/XX/XXXX. 
THE ACCOUNT IS RE-AGED.The payment histories between the bureaus are wildly different yet both are consistently verified as correct to the credit bureaus.The account was never brought current and was closed by the creditor in XX/XX/XXXX.It IS if reported correctly 2 months short of 7 years to age off the report.
Wells Fargo Bank, has decided on their own to pay debiting items through debit card coverage and then charging me outrageous overdraft fees. I am unemployed and I do not have any type of income coming in through unemployment insurance or any other monies. 

I went to the XXXX, XXXX branch offices on XXXX XXXX XXXX XXXX XXXX XXXX Branch location. The banker stated that there was nothing they could do to help reverse the fees and offered no other assistance. All of the problems stem from XXXX XXXX XXXX and XXXX XXXX XXXX processing debits a week or rwo before the scheduled due date. Both companies blame Wells Fargo because they processed the ACH file sooner then what was requested. Both XXXX XXXX and XXXX XXXX XXXX will not refund me any of the fees I was charged by Wells Fargo. Because they state it wasnt their error it was Wells Fargo Bank error and both companies have no control over that. 

I am broke and feel that I am being taken advantage of because I dont have any monies to survive this problems I am faced with now. 

I am asking for your assistance to assist me in obtaining amicable resolution to this burden that has me all stressed out and in financial ruin. 

Thanks,
Navient is the loan servicer. I only owed XXXX. Now I do n't know. You pay online and it is always down. They called me and said they have taken a judgement out. The monthly PMT is XXXX.and I 'm on XXXX. They wanted to send a stranger to my house. I said send a sheriff. I called county court and they have no judgement.
Bay Area Credit Service keeps calling my work looking for a XXXX XXXX XXXX. No one is here by that name, nor do we know of anyone by that name. They call and leave messages consistently, I have called them at their XXXX number, never get a person, but a message to leave a message. So I do. I give them my name, my phone number at the person they are looking for is not here. I have left this message for them 3 times in the last 2 weeks alone. 
I am extremely busy at work at to have to get my phone messages to find its just them leaving another message- it 's time consuming and at this point very irritating and I feel harassed.
XXXX Was due to the company for missed payment. Arrangements was made three days ago for 2 payments of {$600.00} for the months of XXXX and XXXX. XXXX debt was paid XX/XX/2018 in the amount of {$600.00} as arranged. I still received a debt collection call from Credit Acceptance corporation to XXXX the full amount and they were very forceful!!! 

I told them that I paid yesterday and I told hem not to call me anymore unless I am late for XXXX. But they will call again and I need it to stop.
In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX in exchange for opening a CitiGold account and scheduling XXXX bill payments from the newly opened account. 

XXXX XXXX XXXX equals at least {$500.00} or more in travel on XXXX XXXX. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I did not receive my bonus points as promised. 

On XXXX XXXX, XXXX, An internal investigation was opened. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.
This has been an ongoing issue with XXXX  XXXX XXXX. They keep sending this account to different collection agencies, XXXX XXXX, then, XXXX XXXX and now Rubin & Rothman, LLC.Sent letters in XXXX, XX/XX/XXXX, In XXXX sent letters in XXXX and XXXX to validate my dispute of the amount of {$19000.00}. Failed to provide me with a copy of any viable evidence bearing my signature. Requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Requested " validation '' that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports including XXXX, XXXX  and XXXX from your company or any company that you represent for a debt that I don't owe is a violation of the FCRA & FDCA therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. It is a violation for : Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Furthermore, XXXX XXXX and XXXX XXXX were sent certified letters in XXXX and XX/XX/XXXX and did not respond in a timely manner to my initial letters which violated Federal law. In XXXX v. XXXX XXXX XXXX. No XXXX ( C.D. Cal XX/XX/XXXX ), they can be liable for willful non-compliance. By violating federal law, by not properly investigating with the required timeframe, and I have the evidence of such, via certified mail receipts, the item must now be removed.
I had wells fargo bank for a short period of time, I closed out my account well I thought I closed out my account but turns out they did not close it and I kept getting charged fees of over draft. I had called many times and was told I owed the money and that it was closed. it only got closed after the fees were added. I now can not get a bank account because of their doings.
I will provide only one instance ( XXXX ) of three cases of fraud that have occurred with my XXXX XXXX card issued by XXXX XXXX  since its issuance in XXXX. In two cases, it involved charges by merchants that I had cancelled services ( XXXX and XXXX XXXX XXXX ) ; in the third it involved breach in data security which allowed someone to use my Synchrony Account to make purchase on East Coast. XXXX XXXX has failed to comply with FCRA, 18 U.S.C. 1681s-2 by failing to correct errors in my credit report, failure provide cardholder agreement, and by initiating reprisals for my filing disputes and fraud claims with XXXX XXXX who provided inaccurate and incomplete payment information to the Credit Bureaus. The following provides chronology of dispute with XXXX and my reporting to XXXX XXXX : 1.  OnXX/XX/XXXX, emailed XXXX ( 2 pgs. ), and cancelled subscription service. 2. On XX/XX/XXXX, called XXXX, spoke XXXX XXXX, CSR with XXXX   XXXX, about having cancelled my service with XXXX onXX/XX/XXXX : a. Informed hadnt received service approx. month ; b. Programming was pixilating and dropping out ; c. Didnt have access to full range of programming was paying ( certain networks couldnt be accessed ). 3. Advised XXXX XXXX to annotate my account that I wanted copy of card holder agreement ; and legal documentation of her statement that consumers couldnt cancel a merchant whom they had recurring service. I then asked XXXX XXXX to repeat back what I had said, and she hadnt put any of it in her database. So, I told her again the exact words to put into her system and documentation I expected to be mailed to me ( see Conversation of Record, XXXX XXXX, XXXX XXXX dated XX/XX/XXXX. I never received any card holder agreement and legal information requested. 4. OnXX/XX/XXXX, mailed 2 letters to XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, FL XXXX, Certified Mail # XXXX XXXX XXXX XXXX XXXX, indicating merchant XXXX was continuing process debit transactions against my card after my cancellation. Additionally, XXXX XXXX  had not provided me copy of cardholder agreement and legal citation to support their failure to cancel merchant ability process transactions after notification of problems and cancellation of service. a. Voided any business dealing with XXXX ; b. Demanding credit for {$87.00} dollars for transactions processed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 5. On XX/XX/XXXX, called XXXX, spoke XXXX ; transferred Fraud Department and spoke XXXX about putting Fraud Alert on my account as had been having many problems with transactions on account. She indicated that she would start a fraud file in their database. 6. On XX/XX/XXXX and XX/XX/XXXX, notified XXXX ( XXXX said put 90-day fraud alert on account and would mail me my rights ( never received ) ; and said they must contact other Credit Bureau by law ) to place Fraud Alerts on my files. Also notified XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to place Fraud Alerts on my accounts. 7. Have disputed the record of account with XXXX XXXX to credit Bureaus and they have failed to correct inaccurate and incomplete information provided Credit Bureaus.
THIS ISN'T MY ACCOUNT AND I CONTACTED XXXX COMPANY AND THEY SAID YOU DON'T HAVE AN ACCOUNT WITH US, AND AS WELL EXPERIAN I SENT LETTERS WHICH IS I WAS TELLING THEM I NEED A PROOF AND STILL TODAY I DON'T HAVE THE VERIFICATION THAT I ASKED. 

I demand the following accounts be verified or deleted immediately.