WillisBack/dataset-financial-user-claim huggingface dataset:
An account listed on my Experian credit report is not mine. I have tried using Experian 's online dispute process, but an error message appears. Furthermore, the toll-free number provided does not allow me to speak with an individual to explain the error. I would like the fraudulent account removed from my credit report immediately. I would also like to see Experian fix their online dispute process so that it is possible to submit a dispute online. Furthermore, it would be great if Experian did not so aggressively try to upsell to paid products. Right now it is difficult to find information about submitting a dispute because it is buried within their website and overshadowed by appeals to pay Experian for extra services. Experian should honor their obligation to the public to regulators by making it easy and free to correct inaccurate information.
CRA violation no knowledge inaccurate account on my Experian credit report. FTC ID Theft Report # XXXX
On XX/XX/XXXX notice that Toyota/lexus report my name to all major credit agencies as a charge off, i file a dispute once and i contact the credor and they informed me that they will correct with all credit bereaus, so they send me a fax, and a mail attesting that the negative item will be removed from my credit, so the item was removed, and my credit went back to normal, so today i got a email from transition that the item was reported again as a derogatory " charge off " with {$3600.00}, this charge is wrong and I 'm demanding the completely remove this item from my credit, i never being late or miss a pay net on this account acount # XXXX
I called DISCOVER card to pay my balance in full with the interest included. I specifically told the representative on the phone that once my bill was with interest was paid in full that I did not want to be contacted in any way, not by mail, email, or phone calls. Discover clearly did not log my request down. I also told them that " I wanted my card account closed and my credit report to state '', " account closed by the consumer and all negative and late payments removed from my credit report. '' Despite all my request to DISCOVER card I am still receiving letters in the mail stating that I own them {$150.00}. The letter balance has me paying {$7500.00} but they stated I only paid {$7400.00} in the current balance so they can continue to harass me for money and try to nickel and dime me for more money. I want the harassing letters, email, and phone calls to stop. I also told the Discover card representative to delete my personnel and bank information since my account is closed with them and there is no need to have that anymore. DISCOVER card told me that they would not only be keeping my personnel information but they well be storing it for sometime to do what ever they want to do with my info.
Parents died left the property behind for me the son and the grandkids. Parents had asset protection which protected us from having to probate. Funds that were available three this insurance was given to Ocwen. I was then instructed to provide proof of homeowners insurance, due some maintenance to the front tree. I completed the loan paperwork and never received documents explaining I was denied and for what reason. Then I had a lady come to the property telling me she bought the property and if we would accept money to get out as soon as possible. I contacted Ocwen and was told that they sent documents to this address and couldnt tell me if they addressed them to me or to my deceased parents. I was basically told I couldnt do anything but get out because the property has already been sold. I want to file a complaint towards Ocwen for the illegal approach they used to take the property that my parents worked hard for and if theres anything I could do to keep my property or get compensated for all my loss. Please.
It started when they applied my 2nd loan payment to the wrong acct. When I called and said no, I made the payment, with added principal payment. They saw the mistake they made and applied the funds to the correct acct. Since then I have made the payment every month. Now they say I owe XXXX for " Principal Advance Fee '' from back in XXXX. 
the statements have not refeclted this balance, despite since then, ... I have made XXXX additional Principal Only Payments to this acct. Apparently ... the overage back in XXXX of XXXX that I had expected to go towards principal, they took as a Partial Payment. there for they " loaned '' me the other XXXX to make the payment complete.??? on a payment that wasnt due, or late. This loan is due to be paid off early by my small principal payments I have made all along for 7 years. Now they expect me to believe I need them to loan me money for a payment? doesnt make sense. How did it end? When I said this cant be legal, that I was going to file a report. They came back on the phone with they were going to send me the money from their corp. acct to use to pay this fee. HUH? so why would they do that? why not fix it and make it right on my acct. I told them I never authorized this, and I would never go into the bank with XXXX and make a partial payment asking them to float me a loan for the rest? doesnt make sense.
last year I filed a complaint concerning Nation Star Mortgage and documents they stated they never got ( cfpb case number XXXX. I was directed that they got the {$50.00} assumption fee but not required documents. I faxed them on XX/XX/2015 at XXXX, exactly what they needed. I got a credit pull and then a letter from research dated XX/XX/2015 Ref number XXXX. That was it never did anything and all I want to do is assume this debt. They had a freedom mortgage call for a refi/assumption but after today I found out that I was lied to.
My name is XXXX XXXX. I just turned XXXX on XX/XX/2018. I checked my credit 2 months after I made XXXX and noticed a collection on my credit report. I have never had any credit beside my mom credit card. This company Convergent is saying I owe money to XXXX from 5yrs ago. 
This is not possible because I was XXXX at the time. I disputed the charges and its still reporting on XXXX.
A rep ( Assistant Director of Operations of the Process and Warrant Division ) from XXXX XXXX XXXX called and left me a voicemail stating that there are allegations of fraud under my name and social security number that they had tried numerous times to talk to me about my loan debt, and that since this has n't been resolved outside of court and if it was n't resolved within 24 hours, that they would send my case back to my county for further processing to be scheduled. He said that if I want to get this resolved out of court I had only until XXXX EST to call him back. At this point, this was the first I had heard from them. If they had called previously, they did n't leave a message.
Ive reached out to all three ( TransUnion, XXXX, XXXX  ) credit bureaus containing to fraudulent inquiries on my credit report. Ive sent them all documents theyve asked for in the last four months and still nothing has been done to resolve this matter.
Three transactions were presented at the same time. It was the order in which they were presented and I was charged a {$35.00} handling fee.

The three transactions were onXX/XX/XXXX. {$1200.00} transfer, {$25.00} debit card and XXXX   debit card.

I requested bank to review order of transactions, remove the fee and deny the {$22.00} transaction since it had dropped off the account for two weeks, and then resurfaced. Either don't charge me the fee since all transactions were approved and processed when made, or deny the transaction that came back and should not process.

I did not sign up for banks overdraft on purpose.

I would appreciate your review and see what can be done to return the overdraft fee.
Equifax continues to report that I have no sourceof income. I have been a XXXXfor over XXXX years. They have been sent myinformation XXXX times, and no changes!
Equifax is reporting the wrong date of birth on my credit report. Despite having the necessary documentation to fix this mistake, Equifax has refused to correct this error. I sent disputes with a copy of my driver 's license on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XXXX XXXX, I even went ahead and filed a complaint because Equifax was not processing my dispute correctly. This was the response I received to my complaint : " Equifax has reviewed the complaint and its records. We show that you have not recently contacted Equifax regarding the items listed in this complaint. The items will be addressed through our normal dispute process and the results of the reinvestigation will be sent to you within 30 days. '' I received this last response from Equifax on XX/XX/XXXX. It is now XXXX XXXX and Equifax STILL has not fixed the wrong date of birth on my credit report. They are reporting that I was born in " XX/XX/XXXX''. This is not true. I was born on XX/XX/XXXX. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. If Equifax handles fixing a simple piece of information on my credit report so badly, I can only imagine what other consumers are going through with Equifax 's negligence.
On XX/XX/XXXX I tried to log into XXXX and make a payment on my student loans. I was not allowed to login, the website showed a message that my social security and birthdays supposedly did n't match up. I have been using this site, with that exact log in for 9 years and I can prove that the payments were made from my account. The loan was taken out XX/XX/XXXX. I spoke with a representative named XXXX ( employee ID number XXXX ). She obstructed me from making a payment then told me that they needed a copy of my birth certificate and driver 's license faxed over to them. They have had this information for nine years and this sounds fraudulent. They also mentioned a loan from XXXX XXXX XXXX, which I never took out with them. If the serviced was changed, I was never notified and I do n't know what they are talking about. This sounds like fraud.
XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information to apply for credit accounts without his consent. While these applications were denied inquiries into his credit were made based on those applications. One of these applications was submitted to XXXX XXXX ; an official dispute of this application and inquiry was sent to Pay Pal certified mail with return receipt however Pay Pal has not responded to the request given to them.
Equifax incorrectly reported that the "Current Status" of our XXXX XXXX account was "120+ DAYS PAST DUE" despite being told by us and XXXX XXXX  that it was "Paid and Closed."  This incorrect reporting that went on uncorrected for years caused irreparable harm, including being denied loans and being required to pay higher interest rates for loans and credit that was approved.  Equifax has refused to respond to our XX/XX/XXXX 2017 letter seeking a settlement.  Prior to filing suit, we are reporting this to the CFPB in hopes that your agency may assist with getting a response and settlement.
I opened a Capital One 360 account on Friday, XX/XX/XXXX and deposited {$11000.00} into the account. 
I had multiple problems getting the account opened before I was later told that my funds were on hold and given a number to call the security department to verify my transactions. After calling the security number twice, I was sent to a voice mail box for the security department on Saturday and never received a call back. It is now Monday XXXX and I have currently been sitting on hold for nearly an hour with no human contact for what should be a routine account security verification so that I can access my funds and use the account as normal. 
I am very frustrated and disgusted with the abysmal customer experience and piss-poor customer service ( or lack of ) that I have received from Capital One 360 for what should be simple, routine, and quickly-addressed account activities.
Someone stole my wallet a while back and I am starting to see random things pop up on my credit report in collections.
After being contacted with a postal mailer and e-mail, I responded to the advertisements and called to start a loan to improve my residence. I informed the person I spoke to, XXXX XXXX, that I needed a HUD XXXX loan to do the improvements. Instead she put me on track for a loan where I had to make the improvements before I could close the loan. The company 's action in trying to steer me into a loan that did not meet my needs was deceptive and time consuming. It almost locked me into a loan that did no meet my needs. After I rejected the loan they were misleading me into, they posted a letter to me claiming that I was turned down for the loan because I refused to provide credit information. That is untrue as I provided all such information and they had already issued me an approval letter. This has cost me time and as rates are increasing, significant money as well.
I keep getting calls requesting that I call them back. The rep does not identify the company they 're representing or what the call is in reference to. They call me at least twice a dayXXXX 5 times per week.
We have a Home Depot card and have used it to repair our home and buy the appliances necessary to sell our home. The limit is {$8000.00} and until this month ( XXXX XXXX ) we were always at or under the limit. We got an offer on our home, so we will need to move out soon and rent until we move out of state in the next year, pending my husband 's mandatory retirement from his job due to age. I have been checking his credit to be sure we are okay. Last night, I saw that his score plunged XXXX points since last month, down to XXXX, because we now show that we are at 136 % of our Home Depot credit limit. This is after I made a {$570.00} payment on XXXX XXXX, which should have brought the balance to {$7600.00}. I learned that this is because they have added {$2900.00} in deferred interest charges because we did not pay the promotional balances within the 24 month time period. It is enough of a hit that we have to pay the HUGE amount of deferred interest as though we irresponsibly purchased some expensive, but to also DESTROY our credit as a result - this is a predatory, abusive, and deceptive act. Making matters even more unacceptable, I asked, just last month for a credit increase of {$3000.00} which was denied. This would have made it so I was under my credit limit for reporting purposes. They denied me, then added {$3000.00} on anyway, and now charge me 26 % interest on this interest! And {$3000.00} is SO MUCH MONEY there is NO WAY I can just write a check and resolve this. This will continue to destroy my credit for the foreseeable future. This is ridiculous! Now I do n't even have the credit score to rent a house for my family because of this.
Dear Collector : I just noticed that your company is reporting the following account listed below on my credit report. 
Creditor : Account : This letter is not a refusal to pay. However, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Copy of the original contract bearing my signature.

8. Chain of title on this debt.

9. Proof that you can collect this debt from me.

10.Do you own or is this debt assigned?

11.Copies of all letters sent to me from you and the original creditor regarding this debt.

12.How much did you buy the debt for?

13.When was the last date a payment was made on this debt?

14.What fees/interest was tacked onto the debt?

15.How were the fees determined? 
Thank you for your time and cooperation.
Wells Fargo will delay and/or hold deposits ( " deposit pending '' ) and then bounce checks the same day that should have otherwise cleared had they applied the deposit. Then, they charge - actually they do n't charge, they take - a fee of {$35.00} per check ( which is actually usurious interest ). In my most recent example, XXXX checks totaling {$100.00} were bounced resulting in {$70.00} in fees. This is wrong. Sure, I made a mistake. And when I was emailed by the bank notifying me of my error, I immediately transferred money into my account to cover the deficit. So, they were not harmed in this. They did n't earn this fee. How is it other banks ( XXXX for example ) can have overdraft fees that are one quarter that of Wells Fargo? And why can Well Fargo get away with manipulating the timing of deposits?
I experienced a hardship in XX/XX/XXXX when I lost my job and then divorced in XX/XX/XXXX. This resulted in a prolonged financial hardship and I contacted my lender Citimortgage and requested assistance. I was advised that I could not qualify as I was not in default and was told to stop making payments by an attorney in order to meet the program guidelines. I had returned to work in XX/XX/XXXX and was in a position to begin making a modified payment. After a prolonged period of submitting and re-submitting documents as they were requested I was denied for modification even though I had been approved for hardship assistance under the State of Nevada 's HHF. A Notice of Default was recorded on my home in XX/XX/XXXX. I attended mediation in XX/XX/XXXX, under Nevada 's FMP and the notice of default was cancelled due to the lender 's failure under the FMP rules. XX/XX/XXXX I sought assistance from XXXX Housing counselor and began the process of review for loan modification again. During the time that I requested assistance I received multiple denials including letters that identified my loan as ineligible under multiple programs including 1 ) Private Supplemental program ; 2 ) VA HAMP ( loan is not VA ) ; 3 ) HAFA Short sale option ( I did not request ) and 4 ) Lack of contractual authority as investor is XXXX XXXX. Each time the modification was denied I was advised to reapply but was never reviewed based on my ability to repay. In XX/XX/XXXX another Notice of Default was recorded and a mediation hearing was held in XX/XX/XXXX and once again the default was cancelled due to lender failure. 
I have been trying to preserve my home for myself and my XXXX children who live with me. I have had the ability to make payments since shortly after this process began and my only goal is to keep my home and honor my commitment to meet my obligations. Citimortgae has made this process incredibly difficult and I have done everything that they have asked. It is my understanding that as The XXXX XXXX is a Government Sponsored Entity that falls under the oversight of the Federal Housing Finance Agency that is does or should participate in loan modification resolutions.
Information reported incorrectly on my credit report. Account : XXXX. 
Please update information as informed by creditor XXXX XXXX  to XXXX   and TransUnion XXXX XXXX Form XXXX control # XXXX Submitted on XX/XX/2018. 

XXXX SC : XXXX Transunion SC : XXXX By submitting this XXXX, the creditor certify that have verified the accuracy of the data in compliance with all legal requirements.
My manager deposited a check to my account as my paycheck did not go through for my first week of work. I never use a teller with my bank and I have been with this bank for over ten years. Bank of America charged me XXXX to use the teller. I never bounce a check and I never use a teller. I explained to them about the reason why a teller was used and it was the first time I have ever used a teller with Bank of America. I was told that they could not refund this. It is {$8.00} and they can not refund that back to my account? A bank as big as Bank Of America?? Really? This is absurd. These banks are getting away with murder and if it was not for the consumer, they would not even be in business. These banks are taking advantage of the consumer and it needs to stop. I seriously need to find a credit union. After a second call and notifying them that I was filing a complaint, they decided to refund the amount. You have to watch these banks like a hawk. Seriously.
I am supposed to have a security freeze on my credit file in which when my credit is ran I am supposed to be contacted by the credit bureau. I now have multiple inquiries on my report that I was not notified about. I have contacted XXXX, equifax, and XXXX as well as the creditors who ran my credit asking that these inquiries be removed from my credit report. They have not been removed at this time.
On XXXX XXXX 2017, i disputed online to your collection agency asking for validation to this debt. I am not requesting for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. A copy of a signed contract by me with your collection office, a copy of the original contract between you and i?? If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
This not my account. I have had  XXXX   XXXX  during the period this was occurred. Please remove this from my consumer report.
This acct is closed/charged off satute of limitations has ended!!!! Iam no longer responsible for this account!!!
i have submitted my XXXX I 'd number and group number to XXXX hospital about my charges while I was in hospital. Plz dispute this owe debt on my credit score .thx
XXXX XXXX XXXX reported to all three credit bureaus ( XXXX, Experian and XXXX ) that my credit card account was close which resulted in my credit score dropping. I use XXXX to monitor my credit and get alerts. XXXX XXXX reported this incorrect information to Experian on XXXX, XXXX on XXXX and XXXX on XXXX
I disputed several accounts on my credit report that are related to ID Theft. I also submitted a copy of my police report, victims supplemental financial loss report, and a signed ID Theft Affidavit. 

XXXX XXXX XXXX, XXXX BANK XXXX ... XXXX BANK XXXX ... XXXX XXXX ... .XXXX XXXX BANK XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ....
XXXX XXXX XXXX gave an inaccurate report to Debt collection which was submitted to XXXX. I have tried to resolve this as I spoke with XXXX at their Billing Department. I told her I am not aware I had any outstanding balance and she confirmed that it was a mistake on their part for submitting an inaccurate charge to debt collection. It is still open up to now as it is stated in XXXX credit report since XXXX 2017.
Equifax compromised 143 million US consumers data. I went to check if I was one of them and to sign up for their protection services. Since I was indeed one of the 143 million. I did not realize that by accepting their terms of service I was opting out of possible class action suit against Equifax, See : XXXX XXXX XXXX " ARBITRATION. PLEASE READ THIS ENTIRE SECTION CAREFULLY BECAUSE IT AFFECTS YOUR LEGAL RIGHTS BY REQUIRING ARBITRATION OF DISPUTES ( EXCEPT AS SET FORTH BELOW ) AND A WAIVER OF THE ABILITY TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION. ARBITRATION PROVIDES A QUICK AND COST EFFECTIVE MECHANISM FOR RESOLVING DISPUTES, BUT YOU SHOULD BE AWARE THAT IT ALSO LIMITS YOUR RIGHTS TO DISCOVERY AND APPEAL. '' How was I supposed to know that was written in, I was concerned about personal information being compromised and in a state of panic. I swiftly tried to do the right thing by following what Equifax recommended, and in doing so unknowingly gave up my small and seemingly only right to arbitration.