WillisBack/dataset-financial-user-claim huggingface dataset:
Received a response from Equifax from my previous complaint # XXXXon XX/XX/XXXX with CFPB stating that the following items would be deleted : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Their response shows that it was deleted from credit file on XX/XX/XXXX. The items still appear on my credit report XX/XX/XXXX and I have not received the updated report they stated they would send and I cant access their website to download disputes. They also stated the results of this dispute was mailed on XX/XX/XXXX XXXX
This debt collector calls repeatedly, 2-4 times per day including both weekend days, sometimes leaving automated messages. I last answered a call from them on XXXX, during which I informed them up front that I was aware of the state of my account and did not know when I would be able to pay the bill ; I was pushed no fewer than XXXX times to agree that I would have it paid by a certain, arbitrary date so that the caller could leave a note on my account to that effect, which I would then be held to, despite my repeated insistence that I was not certain I could pay by that date. The caller eventually put the note on my account despite my protests. The repeated calls are intrusive and stressful.
The company Fortiva has provided misleading information when it comes to submitting online payments and their customer service is horrible. I normally pay all my credit cards online because I feel safer if I am able to submit an online payment. Every time i have tried to submit a payment online the website it always under maintenance no matter what time of day it is. Which leads me to believe that this method of payment is not available. This is very misleading as mentioned on the statement this is a method of payment.
XXXX XX/XX/17 Called and spoke to rep to let them know I did not authorize them to run my credit and it was never removed. This is affecting my score.
I have incorrect addresses on my credit report. I had type up an letter to Experian requesting to dispute & remove these inaccurate addresses from my credit file. I had sent out the request by certified mail. It was delivery to an agent on site on XX/XX/2018 in XXXX, TX XXXX at XXXX. It has well over 30 days, and I still haven't had my those inaccurate addresses remove from my credit file. 

I also stated in my letter : Please remove both of these addresses from credit report, as they are not deliverable to me by the U.S. Post Office and they are not reportable under the FCRA, since they are inaccurate.
I had money debited out of my wells fargo account in XXXX 2015. {$1300.00} and some change I contacted Wells Fargo to stop the transaction and dispute it. I was later told they could not tell whether I gave my card away to someone to use it so they denied my claim. None uses my account. I lived alone then. No one had access to my card.The rep told me maybe I made a purchase in the store. I told the rep I was at work and the proximity of my job and where the transaction was done was not anywhere near close to each other. I have attached a copy of my time sheet which i have faxed over to wells fargo and received nothing back from with regards to receiving it or not.
XX/XX/XXXXI sent to Equifax, LLC a letter that was dated XX/XX/XXXX via USPS, Certified Mail Number : XXXX. 
A Copy of this letter is attached for your review. In this letter I detailed XXXX ( XXXX ) concerns regarding my credit file that I felt needed that needed to be addressed that would help to improve my credit file. 
I am pleased to note that the outdated XXXX Bank credit reference was deleted. However, the much more serious reference was said to have been investigated and was reaffirmed as being reported correctly. 
I strongly protest the manner in which you arrived at your purported conclusions. I am sure that the supplier of information to you is flat out wrong because I am in possession of a copy of the original filing of the court papers. I have enclosed a copy for your review. Note that in the top right-side portion that the date stamped is " XX/XX/XXXX, XXXX. '' Additionally, note that on the middle right-side of the same page a reference to " XXXX 's Department, XX/XX/XXXX XX/XX/XXXX. '' A copy of the first page of the summons is attached. 
This papers clearly refute the allegations that an investigation was done that confirmed the information to be correct. If it were done, what was the source of proof? 
This is the basis of my request to delete this wrong credit reference due to conflicting information that makes me the recipient of prolong and erroneous credit reporting. Again, this information needs to be immediately deleted. 
The importance of this request is under-stated by XXXX ( XXXX ) separate attempts to open an account with XX/XX/XXXX. I have attached a credit denial letter and a more recent online chat session with that company 's representative. Of the online chat, pages XXXX, XXXX and XXXX details the attempts to get a deposit in advance of service for the account security. 
Erroneous and outdated information is not to contained in one 's credit file. It is my desire that it not be a part of mine forcing higher charges for the basic services and other life needs. 
Your assistance in this pursuit is deeply appreciated on my behalf. 

XXXX XXXX XXXX
I have never been contacted by this company and they appear on my credit report with me being able to dispute the debt.
I submitted a dispute with Equifax regarding a XXXX XXXX account. On XX/XX/XXXX XXXX XXXX  agreed to DELETE the account from my credit file. XXXX XXXX authorized Equifax to delete the account on several occasions ( see letters attached ) and as of today, Equifax has refused to delete the account and has continued to report the account. 

The matter was forwarded to the Office of the Comptroller of Currency and they advised me that XXXX XXXX agreed to DELETE the account from my credit file. All the other two credit reporting agencies have complied with the request, but Equifax continues to report this derogatory information despite numerous requests by myself and XXXX XXXX  for them to delete the account. 

As of today, the derogatory account is still being reported by Equifax as accurate information. 

XXXX XXXX  sent me a letter on XX/XX/XXXX stating that they have exhausted all their attempts to have Equifax delete the account ( see Letter attached ) XXXX XXXX  has complied and Equifax continue their rogueish reporting and blatant disregard for the law and the Fair Credit Reporting Act by continuing to report the XXXX XXXX account despite numerous requests by myself and the bank for them to delete the account. 

It is also my understanding that Equifax has three ( 3 ) separate files under my name. I requested they merge those files into one file and they have also not complied. 

I have attached a copy of the credit report as evidence that the XXXX XXXX   account is still being reported by Equifax
Starting XX/XX/2017 I switched my monthly payment date to the XXXX of each month and I began to make extra payments towards the loan with the highest interest rate. I do automatic monthly payments since its easier and I supposedly get a discount on interest rates. I have 5 total loans with Discover. Every month since XX/XX/2017 the company has failed to distribute my money appropriately amongst each loan for my monthly payments. They also failed to put my extra payments towards the loan with the highest rate. Instead they would distribute it among the 4 loans and nothing towards the highest interest rate loan. There would be months at a time where none of my monthly payments would be going to a certain loan so I would get behind on that loan and then owe a ton of interest on it two months later. I have tried for the past three months to get this fixed and the first time they attempted to fix it it was not done correctly so I emailed them an example of exactly how I wanted my money distributed. A month later they sent me a letter saying they couldnt do it. I have tried calling them numerous times and emailing them numerous times for the past several months and have gotten nowhere.
We have leased a XXXX XXXX in XXXX XXXX and it was more in the shop than with us. In two months we have had over XXXX rental cars and have tried to resolve the issue with VW. Before leasing the XXXX we have traded in a XXXX XXXX and were promised to receive XXXX for it. The monthly lease for XXXX was XXXX with residual of XXXX. 
We did not have a chance but to bring the XXXX back in XXXX and traded it in for a XXXX. Monthly lease of XXXX and residual unknown. However, we have not gotten any credits back or any downpayment made towards the firs lemon car XXXX and have gotten additional fees added on the XXXX for trading in XXXX after less than three months. We have always paid on time and in full. In XXXX and XXXX XXXX I became laid off and contacted VW to ask about my options. We were told that for two months we do not need to make the payments since we were enrolled in some protection plan. Still, we have made payments as much as we could and have been reported to the credit bureaus as making LATE Payments! And all we did was make additional payments while we were not required to. This information has been disputed but VW did not agree to correct it from our records. In XXXX XXXX we have had transfers in amount {$2100.00} going to VW towards the Lease. As I realized that something was wrong and contacted VW we were told that they would refund the money as it gets transferred. On XXXX XXXX we still have not received anything back we decided to pay off the XXXX and trade it in for a different brand. The payoff amount was quoted XXXX and that day VW electronically also transferred additional XXXX from my checking, although the dealership had paid all of the quoted balance of. We called several times to get the money back since we no longer had the car and did not authorize the transfer but no-one called us back and we never received any money. We have inquired several times to receive written disclosures and all documents and payments received from the VW Lease and Finance office and no-one ever has sent us anything but that the balances are paid off. We are requesting the additional {$2600.00} that was taken from our debit in XXXX and XXXX to be immediately refunded to us, as well as any missing downpayment that should have been transferred to XXXX after XXXX was a lemon car. We have tried to dispute it through our banks but they were also not successful of it. We also require the late payment wrongful reporting to be corrected of the consumer reports and we hope you can help us to achieve this within next 30 days?
My home mortgage closing is pending. Wells Fargo has known about the closing date for over six weeks. I signed a XXXX twice for the loan consultant and loan doc specialist to obtain the tax transcript from the IRS. Our closing was set for XXXX/XXXX/16. On XXXX/XXXX/16, our loan consultant informed us that Wells Fargo failed to obtain the correct form from the IRS. She could not get approval to close the loan without it. She had no idea when she might receive the form from the IRS. We have already closed on the sale of our former home. and our living in temporary housing. We had to cancel the movers. We do not know when to reschedule the movers. We are paying penalties for the temporary housing as well as the cancellation fees. I had to reschedule utility hookups, but I do not know when a date to reschedule them. This is a horrible experience, and I will never recommend Wells Fargo to anyone. So far, this has cost my family an extra {$2000.00} to cover living, deposits, and cancellation fees. To make matters worse, she blamed it on the VA and the IRS. Both agencies told me that it is a Wells Fargo requirement to only accept the tax transcript directly from the IRS. It is clear that the loan consultant and loan doc person failed to review the file in a timely manner even though we submitted the correct form weeks ago. I suppose this is a customer service complaint instead of a legal issue, but I will also send it directly to Wells. I have several suggestions for better service from Wells. 
1. Review the document file several times. 
2. Notify the buyer well before closing that something is missing. 
3. Accept the tax transcript from the buyer. I downloaded it directly from the IRS website and received it in minutes. I could actually drive to their office and download it for them, but they will not even return my calls. I am not sure why they can not request it electronically. So, we are out of money and still have not closed on our house because of one form that I was able to obtain in minutes, but Wells can not seem to get in weeks.
I am unable to dispute XXXX negative items on my Experian credit report that is 7 years old and more that should be deleted from my credit report. 
Experian Report Number is XXXX
In XX/XX/2012, someone hacked into my email account and found emails between me and my lawyer in which I had given him my banking details. This person also got into my lawyer 's account and found information regarding another of his clients. This person then used the other client 's details and forged a check for {$8000.00} in her name which he then sent to my Bank of American account for deposit. The bank discovered that the check did not have enough funds to cover this amount and they returned it, causing both me and the owner of the account to get NSF fees charged against our accounts. I was unaware of any of this until Bank of America notified me. They then closed my account and told me that I could not ever again have an account with them. They sent reports to both XXXX and XXXX XXXX saying that I had made an attempt to " transact ( or attempt to transact ) with an account in an unauthorized or prohibited manner. '' This was incorrect. I did absolutely nothing wrong. I told Bank of America what had happened, which my lawyer explained to me after I told him about it and he had heard as well from his other client. They refused to reconsider their decision. This has made it impossible for me to get an account with any bank anywhere. I tried to open an account with XXXX XXXX XXXX XXXX, in which I am a member of long-standing, but was denied because they told me that I had caused a loss at another financial organization. Bank of America never said anything about any loss and there was none. I have attempted to open accounts at several other banks but have been refused there as well. All of this has ruined my financial credit. I did absolutely nothing wrong and am being punished for something that some internet hacker did to me. I need to get an account with a bank because all that I have now is a reloadable debit card with XXXX XXXX XXXX and this is not adequate for all of my needs. I have a lot of documents explaining everything that happened, but I can not attach them to this complaint and will have to send them to you separately.
I have made repeated efforts to speak to coinbase about the fact that they wo n't let me withdraw funds. I have been waiting nearly 3 months for a solution for this and they wo n't return any of my messages or emails. I have done everything that all their forums suggest, yet I still ca n't access my money.
On XX/XX/XXXX I received a letter from Wells Fargo Education Financial Services offering to settle on an outstanding loan ( I assume private Student Loan ) that I did not know existed. The settlement amount was XXXX I immediately responded listing my concerns but did not get a response but on XX/XX/XXXX. received just another copy of the XX/XX/XXXX. settlement offer!
There is a discrepancy between payments and what is owed. The auto dealership contract does not comply with Lender. 

Payment started at {$13000.00} and it has been a year that I have been paying of XXXX/month. I checked my payoff quote and I received {$13000.00}. 
I am paying off another vehicle which i receive da month before purchasing with santander. The payment started at {$30000.00} and our pay off is XXXX. Our payment is XXXX/month. If I am paying half from the other vehicle, My pay off quote should have been reduced to $ XXXX ; not {$13000.00}.
I have previously disputed this debt as I do not and have not had an account with the original creditor. They could not provide the requested verification in the form of a contract or other agreement for services or even an affidavit of assignment, which is not surprising since this is not my debt. The last name is not even spelled the same on the " printout '' they sent to me. They removed it after I disputed it and ultimately filed a complaint. However, I just checked my credit report to see that they have again put it on there even though it is n't mine. this is getting quite ridiculous. Debt collection companies should not be allowed to put false information on your credit report repeatedly. RECEIVABLES PERFORMANCE MANAGEMENT IS HARSSING ME ABOUT A DEBT THAT IS N'T EVEN MINE!!!!!!!!!!!!
I fell behind on Lending club account. I understand it is my responsibility to make timely payments. But the reason for this late payment is particular. It was due to the loss of a very close family member. Some of my other creditors were very understanding a choose to not report and retracted their reporting. I was hoping I would be able to get some help.Prior to this was a rated to be a good consumer, with good credit not my credit is under the water do to this late reporting. I have never been late. Always communicated changes etc.
I got scammed using PayPal. I made a request on XXXX for concert tickets. I was texted by someone who offered me 4 tickets for {$130.00}. I accepted and they gave me their email to wire the money to saying that they would send the tickets electronically to my email. They never sent the tickets but accepted the money I sent. They stopped answering my text messages too.
I tried to buy concert tickets from someone on XXXX. I know you assume risk when you do this, so I tried to be as careful as I could. I asked a lot of questions and asked for ticket confirmation. Ultimately, I was scammed out of {$300.00} dollars using Chase quickpay ( XXXX ). I've tried to remediate the issue with both companies, who have been unwilling to do anything at all. 

Chase was unwilling to conduct any sort of investigation, or contact XXXX or the other users bank account to try to remediate the issue. XXXX has been unwilling to do anything at all. After doing some research ( which I should have done before I made the transaction ) it seems that XXXX has become a safe haven for scammers who know the company and banks won't do anything to fix these issues. 

These crimes are becoming common and they will only continue to become more common. It is disappointing and surprising to me that purely digital companies like XXXX are handling this better than our nations oldest banks. 

I know that I screwed up, but I'd like my bank to at least take this seriously. I was defrauded. Chase told me they couldn't do anything because quickpay was " self-service ''. Every product I use by Chase is self-service. But they wouldn't be able to say that if my debit card were fraudulently used. These companies shouldn't be able to offer products just because they're in high demand if they aren't going to make any attempts to secure them. I ( along with most people ) expect more from my bank and companies they partner with like XXXX.
Last XX/XX/2018 i transferred money To the XXXX using Xoom money transfer. It cost XXXX $ and and i will recieve XXXX php but they said to submit IDs and bank statement which i did but they still ask me to call them for verification which i also did but no one is answering. Please help me
I have two credit cards that have fallen past due through Comenity Bank. One for XXXX and the other for XXXX. They repeatedly call from blocked number, admitted to doing so and refuse to stop. I 'd tried to work out a payment arrangement before getting three months behind, and they refused that as well. 

They continue to call despite my earlier request that they stop, and communicate only through mail. Which they have not done. I had 6 phone calls from them via blocked numbers before XXXX this morning alone. I counted 9 yesterday, with one as late as XXXX. I want this to stop. I am already in the starting process of bankruptcy, and this harassment does n't do anything.
XX/XX/2018 I have reached out to security finance in reference to this problem my account is incorrectly showing a amount due and inaccurate missed payments as of XX/XX/2018 it shows XXXX due but when I call the office and based off my payment it should be XXXX this has caused a lot of discrepancies and issues with my credit along with my credit score dropping based off information that is showing wrong.
Hi, my name is XXXX XXXX XXXX, my bank is Chase Checking Accunt. In the date XXXX/XXXX/2015 my bank authorized a transaction of mine without any signature proof, it was with the merchant XXXX that is dealing with XXXX, they charged me {$1500.00} from my credit card without any approval from my side. My bank claims that i have already few disputes with other XXXX companies that scammed me so they declined my request. When i first registered to the site i gave this company my information as it was required in order to open the account, but it does n't mean that they can use this info to charge me when ever they want without my approval. Please advice what i can do here.
XXXX XX/XX/XXXX, my credit card was charged for {$1900.00}, and on XX/XX/XXXX, my card was charged for XXXX by XXXX XXXX XXXX. I immediately notified Chase Credit Card services and told them these are unauthorized charges and I have never even step foot to XXXX XXXX, XXXX. Chase immediately gave me temporary credit for the XXXX unauthorized transactions and told me they would open up an investigation and look into the matter. At the beginning of XXXX of XXXX, I received a call from a Chase representative with their fraud department, telling me the issue has been resolved because merchant has been reluctant to cooperate and has only send in information that is not sufficient enough to justify the unauthorized charge. After she asked me a few more questions, I was told that I will also receive a copy of the result of the investigation in mail ( which I never did ) and everything is settled. In addition, I was given a new card with a new account number since the old card was found to be compromised. 
Fast forward XXXX months, the XXXX unauthorized charges are back on my account as of XX/XX/XXXX. All of sudden Chase is claiming that I've authorized the transactions and the merchant was able to provide documents showing that my chip card was used. This whole time I hold possession of my card and has not given any card information nor given access to anyone else to use the card so I know for sure I did not use the card, especially at a car merchant ( I don't even own a car to begin with ). I called chase on XX/XX/XXXX, XXXX, XXXX, and XXXX to request more information, not including dates when I called their Fraud department to leave voicemails for the specialists handling this case, also no including the couple times I've gotten their callback after leaving voicemail. I requested Chase to provide the documentations to me XXXX times and was told they will be able to send the documentations, I have received nothing in email or mail. I've filed a BBB complaint against the merchant and the merchant confirms that I am not a client with them and they have no records of me doing business with them. After I uploaded more information for them to look into the matter, they failed to respond to me. I've also contacted the merchant ( call and email ) who has refused to give me any details on these transactions and has demanded that I stop contacting them and sort it out with my credit card company instead.