WillisBack/dataset-financial-user-claim huggingface dataset:
I have a few listings on my credit report that never happened. I have never heard of XXXX XXXX. I am not sure why are they coming on up my credit score saying I owe them money.. It states as of XX/XX/XXXX I owe them {$590.00} and {$260.00}. The listing for {$590.00} is dated for XX/XX/XXXX. The listing for {$260.00} is dated for XX/XX/XXXX. As i stated earlier in this complaint, I have never heard of this company so I am confused as to how is it that I owe them any money. They have never tried to contact me via mail, email, or telephone. I have read some reviews which states that this company is fraud. I would like this to be looked into. Also is there anyway possible for me to get a validation letter of everything listed on my credit report, because everything listed on my credit report are all from companies in which I have never heard of or recieved anything from.. I have two from listings from XXXX XXXX which are {$2000.00} and {$660.00}. The {$2000.00} listing date is from XX/XX/XXXX and the {$660.00} listing date is XX/XX/XXXX.  I have never heard of them before. Lastly, I have a listing from XXXX XXXX XXXX for {$380.00} and the date is XXXX
I went to school XXXX years ago at XXXX graduated never had a job in my field I went to school for XXXX the loan people is telling me I owe them XXXX now and I never even had a chance to work in that field this is really making my credit report really bad ca n't pay my loan off or even make payments because I 'm still work at XXXX I 'm wage job with XXXX children I do n't think it 's fair when people trying to do something right with there life and it still does not work at as you planned
1. I had dispute/fraud claim on another Chase owned credit card. 
2. Chase had failed to resolve the issue. 
3. without any previous or apparent explanation, they closed the account on my XXXX card. 
4. I have been using this this card and was making payments on time.
Wells Fargo treated me lousy as a new bank customer. 
I got charged XXXX overdraft fee and my account would not let me activate my credit card issued to me by Wells Fargo in order to further avoid additional bank overdraft fees and cover my negative balance. I asked Wells Fargo to credit those fees and they refused. They also refused to close the account when I asked them to close it. They said they would first ruin my credit and send my account to collections. Last time I do business with this bank for any of my transactions.
I have been disputing inaccurate information since XX/XX/2018 - Here 's some of the report numbers : I noticed there were items that had been removed were back on my report so I called equifax to ask why they were re-inserting items on my credit report that were removed. The next thing I know everything was completely deleted from my credit report XX/XX/18 - Equifax claimed to have loss all of my information and suggested that I fax a letter with my missing information via fax- which I did. Now, they are putting items that were previously deleted and re-inserted them without a certified letter to me explaining why-which by law is required within 5 days. 

I'm so tired of dealing with Equifax its a game to them and they are responsible for me not being able to obtain credit. Equifax does not follow any of the 609 rules or anything!

Here 's a list of the reinserted items : Acctmanagement original XXXX XXXX XXXX XXXX {$340.00} ( hippa law ) XXXX XXXX  - {$12000.00} I have asked them to remove ALL ADDRESSES that are NOT associated with me and even sent an affidavit - they refuse.
I Am Having a Problem with a Fraud Checking Account That Was Open With Capital One 360 there was a Checking Account that Was Open without My Permission and is Still Showing on My Capital One User Name And Has Not Been Removed i Contacted Capital One 360 Customer Service And They Told Me The Account Was Already Closed But is Still not Closed on my My Online ID And Has Not Been Deleted From My Capital One Profile.
The US Bank, XXXX XXXX XXXX, XXXX XXXX Nevada, failed to remove a Hard inquire found im my XXXX credit report on XXXX/XXXX/2015 after I signed a Credit Bureau Inquiry Removal in the US Bank logo letter which is a legal agreement for them to proceed in removing their Hard Inquire from my XXXX credit files.
Friday XX/XX/XXXX, my subscription XXXX had taken their weekly payments of {$18.00} and {$9.00}. Right after the bank charged a overdraft fee for both pending transactions. My balance was - $ XXXX. That night at XXXX I made 2 deposits. One deposit was an atm cash deposit of {$240.00}, 2nd was a check deposit at the same Atm of $ XXXX. Saturday I spoke with a representative, My balance was $ XXXX by the time I gotten everything situated on the phone. Today I check my account and XXXX returned the payments the bank said they paid and charged me the overdraft fees in the first place. My balance was suppose to be $ XXXX. I shouldnt be charged a returned fee for payments I already paid a overdraft fee for.
I started seeking a loan modification at the begining of 2013. I have submitted all the documents requested for modification. Every time there are excuses from my servicer for incomplete documentation. Recently, I submitted all the documents they had asked and someone called to inform me that I do n't qualify because I have $ 300+ remaining after all expenses. I got divorced few years ago and I have XXXX XXXX I am taking care of. I do n't want to loose my house to foreclosure and I need assistance from CFPB to help get loan modification so that I can remain in my home.
My dad was trying to refinance his house so that my husband and I could make repairs to the home and live there. We tried for the FHA. I told the representative that the bathroom needed to be gutted, the home was old and my dad did n't take care of the house. The loan would cover all of the repairs and increase the value of the home. During my conversations with the representative I was never told repairs would have to be done before receiving the loan. He assumed the condition of the home and did n't think he needed to specify. We were denied and I lost about {$500.00}. That 's a lot of money to lose due to miscommunication. He was not thorough with his information and did not inform me of everything I would need to know for the process. I called to speak with him today. As I was asking to speak with someone else he hung up on me
The creditor XXXX XXXX XXXX XXXX XXXX is still showing OPEN on my EQUIFAX account, even though it was discharged in XXXX Bankruptcy. Equifax shows it as discharged in XXXX, but still OPEN, which is impossible. 

I have included XXXX credit report trade line showing correctly reported as CLOSED, as well as EQUIFAX report trade line shoing still OPEN. 

I have disputed this more than once through EQUIFAX and the creditor, to no avail. My next step is to appeal to the UNITED STATES BANKRUPTCY COURT.
Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by DYNAMIC RECOVER SOLUTIONS, XXXX XXXX XXXX, XXXX SC XXXX, on XX/XX/XXXX, on my XXXX Credit Report are unauthorized and must be removed. The Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
I have always paid my bill online every month with a bank and they always show that they receive my payment. however, one time this bank sent me notice in 30 days that they never received the  payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
These people call numerous times almost daily claiming we owe XXXX money. My husband nor myself has used XXXX in XXXX years and have never received any communications from XXXX nor this Allied International Collection Agency. I have repeatedly told them not to call because we do not owe the money and requested things in writing, to no avail. This has been going on well over a year and it has risen to the level of harassment. Not only is it not on our credit report, my husband and I are planning to buy a home and have been working to build credit, so I know this does not appear on our credit reports. If it were a real debt, we would have paid it before going to collections and would have known about it long before now.
I was contacted by an unsolicited telemarketing phone call from a company called XXXX that promised me a very profitable at home online business. I paid them {$3000.00}. It seemed very good to turn it down. They said they would train me on how to find drop shippers so I could sell on XXXX, XXXX and any website for that matter. They have done nothing to help me and I was unable to locate any dropshippers that would turn even the smallest profit. They provided no support whatsoever in order to help me. And when I requested my refund they turned me down and stopped answering my calls. I did not make any profit out of this mess. They did not provide the services that I purchased. I feel I was taken advantage.
The CRA reporting agency continues to report this debt incorrectly. I do n't believe they are actually investigating this debt. 

I filed a CFPB compliant against XXXX who is showing as the creditor for XXXX XXXX XXXX. Per compliant number XXXX, XXXX advised they do not show any account in my name with them. Yet, this continues to report on my credit report. 

In addition, XXXX XXXX XXXX does have a surety bond, which is required under the Texas Finance Code ( Texas Surety bond information as required by Sec. 392.101. ). They have yet to produce that they are actually licensed and/or legally able to collect in the state of Texas. This is a violation of the Texas Finance Code and a violation of my right as a resident of the state of Texas. 

FCRA section 609 states, Credit Reporting Agencies ( Credit Bureaus ) must provide a copy of the verifiable original creditor documentation. Equifax nor this company has ever provided proof of my original application. They provide insufficient documents which I did not request nor satisfies this request of the FCRA code. Page 7 ( 2 ) Verification ( B ) of the information in the consumer 's application for the credit or insurance, to  determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. No one has provided me a copy of the original application to report this debt or even validate it. Equifax continues to state it has been verified. Yet, how can they verify something they themselves do not have in their file for me.
I called first about the same thing on XX/XX/XXXX XXXX to dispute the same transaction and after I provided all the details they asked for I was told and so forced to call again despite i Repeatedly requested to dispute the charge and when my ability was impeded to so i tried again and this is what happened : second attempt refused and here the details of same transaction : On XX/XX/2019 I initiated and made a recorded call to my Barclays Bank to dispute an online or internet transaction of {$60.00} charged to my Barclayss frontier MasterCard credit card. It was close to midnight so the call entered XXXX XXXX when the Barclays representative refused to take my dispute despite I told her I have different forms of proofs and she resisted taking my dispute in selfish manners and suddenly stated she is calling XXXX and the phone hang up on me from the other end. For the second time refusing my dispute!!! Whats wrong with the bank these days? Barclays must be subject to severe punitive sanction for violating my right to dispute a transaction. I was still talking to my bank credit card representative when I heard her saying transferring to XXXX without my consent to that and call ended not from my end their other end. I called third time minutes after the second call to contest Barclayss discrimination against my person to take my dispute or Im XXXX different than other customers and on what?
Equifax should be held accountable for their failure to notify customers in a timely fashion that all their personal information has been compromised. 

Individuals impacted should receive a copy of their credit report immediately, free lifetime credit monitoring, and aCcounts should be frozen. 

I attempted to get my credit report from annual credit report, but the EQUIFAX system continues to fail. It 's bad enough that Equifax waited to tell everyone that the system was compromised and personal info stolen, but it 's made worse when you ca n't get a copy of your credit report to find out if someone has fraudulently started using your name and SSN. The site just crashes over and over. Then you type in your information and the system tells you that you are part of the system hack and your information has been stolen, but you ca n't sign up to do anything because the system is down ...
I took a personal loan with PNC bank on XX/XX/XXXX for {$1000.00} with a maturity date of XX/XX/XXXX and interest rate of 15 %, I have been making payments, I was late a couple of times. I called in XX/XX/XXXX and stated that I could not make that months payment and advised the representative to start automatically deducted that payments from my checking account for the XXXX, and every month since then PNC have been deducting XXXX from my checking account and sending me the copy of the checks, so I thought everything was up to date and current, until PNC drafted {$69.00} from my checking account on XX/XX/XXXX. I called in and spoke to a representative that advised me that my account was past due and {$69.00} was the past due payment of {$34.00} and the current payment {$34.00}. I logged into my account to discover that between XX/XX/XXXX to the current that the payments that have been made totaled {$470.00} and {$280.00} is late fee, {$130.00} applied to interest, only {$49.00} was applied to the principal and I still owe {$880.00}, {$840.00} is the principal balance, {$40.00} is fees and {$4.00} is interest on a {$1000.00} loan. I was advised that the {$69.00} payment was to bring the account current. I payment of {$30.00} was sent by my payroll department on XX/XX/XXXX. I started receiving collection calls on XX/XX/XXXX for the {$4.00} difference. I logged on the PNC and made an additional payment of {$10.00} on XX/XX/XXXX. I was told that I would not get any more late fees unless the minimum payment was not made by the XXXX, since then I have incurred another late fee. I have called in several times to attempt to get some assistance with the account and have not been successful. I was contacted by XXXX XXXX in the executive office by email on XX/XX/XXXX and explained to her what happened on the account and she said she would get back to me in a couple of days. I have left several voice mails and spoken to other people in her department and I have not received a response as of today 's date.
i received a statement by mail for {$4100.00} amount owe and on the statement there are no itemized charges at all, i have called many many times asking to give me a statement of charges and they are refusing
Paypal, Paypal Credit, and XXXX XXXX XXXX, has failed to provide credit so I can make purchases on XXXX, the option to pay later has not been offered to me so I can receive it. Pay pal Credit has not verified my XXXX credit report nor have they called me about credit. 

Pay pal has not paid its judgement to me because Pay pal violated my human rights, financial rights by failing to provide annual error-resolution notices and monthly account statements under the Electronic Fund Act. Settlement can be viewed as not paid at XXXX Spoke and have statements from Paypal Counsel, XXXX XXXX XXXX .
I have three issues with Experian that I believe in direct violation of my consumer rights. First. XX/XX/XXXX I disputed and submitted a formal request to investigate a list of hard inquiries that I did not authorize. XX/XX/XXXX Experian received the formal request ( enclosure ). Experian did not reply or remove any inquiries. It has past 30 days after receipt of the formal request. Second, Experian is reporting a collection that the 7 year time limit has expired for XXXX XXXX. XXXX XXXX reviewed their files and admitted that the statute of limitations ( SOL ) had expired. Tennessee statute of limitations is 6 years. XXXX XXXX states that the account in question expired XX/XX/XXXX. XXXX XXXX informed me to contact Experian ( enclosure ). Experian have been informed formally several times. Experian has reported this account 2 years beyond SOL years. I have formally disputed this inaccuracy to Experian several times. Third, I recently have been informed that there is a bankruptcy that has been maintained under my social security number. Experian was sent a formal letter disputing the bankruptcy. Experian was asked to validate there information and provide me with copies of any documentation. I formally requested the method of verification. Experian last updated the disputed inaccurate bankruptcy in XXXX I inquired through the bankruptcy courts. I was informed that the courts do not report to credit bureaus ( enclosure ). A formal letter was sent to Experian XX/XX/XXXX and received XX/XX/XXXX. XX/XX/XXXX ( enclosure ). Experian sent a letter stating bankruptcy dispute will not be investigated. We have previously disputed the credit grantor has verified its accuracy. XXXX XXXX informed me a security freeze has been place on my files if any as of XX/XX/XXXX.
I have an issue with Navient. I called to settle my loans. The gentleman who answered told me i was eligable for loan forgiveness. If i made 3 installments. Which would be considered half my paymemt for my loan and they would pay the other half. Now im recieving statments requesting money from Navient. I called them and they said my momey i payed was just a servicing fee. Im trying to get to the bottom of this XXXX.
XX/XX/XXXX submitted disputes to Trans Union and XXXX - as of today I have not been informed of the investigation results. I have not received an updated credit report, and I have not had anything that was disputed corrected.
PNC bank, which I chose to handle my mortgage refinance loan, issued me a lender credit via email, but is refusing to provide me an updated Loan Estimate document reflecting this credit.
I have a judgement on my XXXX and Equifax accounts and I 've stayed with my parents since XX/XX/2008.
On XX/XX/XXXX, I received a retroactive interest rate refund ( {$220.00} ) from CITI, XXXX XXXX XXXX, XXXX, OR XXXX. This refund check is issued in agreement with the Bureau of Consumer Financial Protection for flaws in CITI 's APR review between XX/XX/XXXX and XX/XX/XXXX. The contact number on the letter is, # XXXX. The escalation of the calls to this number determined that this is a company, XXXX that generates the refund checks for CITI. The customer service number on my CITI statement, # XXXX also determined that this is handled by XXXX. They could only explain the generation of the check and therefore, could not answer my questions. After 2 hours of inquires, I reach XXXX, Supervisor - CITI. My demand is to receive an audit of my account regarding the flaw and the correction that generated the refund. She advised that I would receive a letter. She was informed that another word salad letter would not be acceptable.
I was given Ocwen as a mortgage company and have had nothing but grief every since. For years I never missed a payment then I modified my due to losing a part-time of 15 years. I was told I was being charged for flood insurance, when in fact it was not needed. Later we were rezoned, I then purchased insurance through XXXX XXXX and sent Ocwen the declaration page for 3 months, and they said they did not get it. Finally XXXX took on the battle and I received some credit. However, in XXXX they hit me with a {$800.00} + mortgage payment due to escrow. The mortgage went from XXXX to XXXX + and my repeated request went unanswered. I was able to get this caught up in XXXX XXXX. I have spoken to XXXX managers on recorded calls who say the past due balance has been waived and I currently only owe XXXX a month. However, when I listen to the recorded billing information it gives one amount, my monthly statement says another, and I am continuing to receive, as recent as this morning harassing phone calls for a yet different amount. 
This company has XXXX complaints against, and it should be illegal to harass someone for XXXX different amounts on one mortgage. My credit is being ruined and nobody talks to anyone there. I have operator numbers and names of these supposed recorded calls. I only the monthly payment and can not get a response from the corporate office as to why I am being treated this way. I have never been late according to their representatives recorded line until XXXX when the escrow and flood insurance got confused. I just want them to stop harassing me and tell me the truth.
I sent a dispute letter to XXXX XXXX stating the account, they stated my letter did not specify if I was claiming the account as not mine or questioning validity of the account balance. Not true. I have expressed directly with the creditor that I had no knowledge of account from 2007 and requesting validation of the account, not the balance. I offered to pay in full to remove trade line, as the derogatory is harming my XXXX XXXX, even though I am not claiming ownership in exchange to remove from credit reports. The account does not belong to me please remove account from credit reports A fraud report has been submitted.