WillisBack/dataset-financial-user-claim huggingface dataset:
Account # XXXX {$990.00} Account # XXXX {$330.00} Spoke with this creditor XX/XX/XXXX, I was instructed that if I paid everything off in full that it would be deleted from my credit report and I would be issued a letter stating items were to be deleted. I asked if I could have a letter faxed to me stating this. They said yes and took my fax number down. I called back on XX/XX/XXXX and made the payment in full for {$1300.00}. The agent I spoke with that day told me that she could not fax me the deletion letter. I informed her that was not the agreement I had made on XX/XX/XXXX. She went on to say there was nothing that she could do to help me. I asked ot speak with a supervisor, I spoke with XXXX who was extremely rude. She kept screaming and cutting me off. 

I asked XXXX if she would listen to the recording from my last call and give me a call back. She refused to do this. I told her that they should honor the verbal commitment they made with me on XX/XX/XXXX. She continued to uphold the promise that was made to fax me a letter stating that the items would be deleted. I was told that XXXX was her manager, I called him on XX/XX/XXXX. However, he never returned my call. 

When I first reached out on XX/XX/XXXX about having this issue cleared, I let them know that I was in the process of purchasing a home and this is hold up everything. My lender needs these items to be removed, before issuing my approval to purchase. My family is living in a hotel, waiting for these XXXX items with XXXX to be deleted. 

At this point, I do not know what else to do as I was lied to and mislead by United Revenue Corp. I have asked them on numerous occasions to listen to the recorded phone calls, they told me even if the represented told me that she could fax me a deletion letter they would not. At this point it is my assumption, that they blatantly lied to me in order for me to make my payment in full. They had no intentions on deleting these items, even though they stated that they would be on a recorded line. 

I wanted to try reaching out via CFPB before getting legal counsel and filing a lawsuit. XXXX has violated my rights under the FCRA.
BB & T sent balance and check clearance notifications by email before the bank was open, between XXXXam and XXXXam, then charged an overdraft fee for a single item as soon as the bank opened, which then generated an overdraft notice by email. Processing transactions and sending notices outside of banking hours, especially at XXXXam-XXXXam gives no opportunity to me to do anything about any notices I receive. BB & T reordered my transactions. There are two electronic deposits pending which each are an amount that would cover the overdraft on it's own. I regularly see BB & T hold transactions as " pending '' for an extended time, both credits and debits when the account balance is low. It is obvious that BB & T 's computer system has been set up to both hold and reorder transactions when the balance is under a certain threshold in order to generate overdraft fees. I have previously warned BB & T that I will close my accounts and change banks. I have already closed a money market account and will close my checking account next if my transactions are rearranged or held again.
On XX/XX/XXXX I filed a dispute with Equifax along with XXXX and XXXX in regards to XXXX XXXX XXXX in regards to inaccurate information that was being reported by this company for XXXX XXXX. On XX/XX/XXXX this information was deleted by all three bureaus. Equifax gave a confirmation # XXXX stating the information had been deleted from my credit report because the creditor did not verify the information to be accurate. On XX/XX/XXXX XXXX XXXX XXXX reported the same information and Equifax re inserted the information without making sure it was accurate. Also, credit bureaus are required to notify consumers within 5 days of re inserted previously deleted items according to FCRA. Equifax did not send any notifications nor did the creditor certify the information to be accurate. Such actions can be punishable in monetary damages. Please delete immediately.
I received an alert from XXXX indicating Clarity Services pulled a copy of my credit report on XXXX/XXXX/XXXX. I have not been pursing any type of financing and have no idea who these people are.I want this hard pull inquiry removed asap.
OnXX/XX/XXXX, Equifax announced that they had suffered a security breach that exposed personally identifying information of myself as well as many millions of other 'customers. ' From their press release on the subject : " XX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XXXX through XX/XX/XXXX. The company has found no evidence of unauthorized activity on Equifaxs core consumer or commercial credit reporting databases. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.SXXXX consumers, were accessed. As part of its investigation of this application vulnerability, Equifax also identified unauthorized access to limited personal information for certain XXXX and XXXX residents. Equifax will work with XXXX and XXXX regulators to determine appropriate next steps. The company has found no evidence that personal information of consumers in any other country has been impacted. 

Equifax discovered the unauthorized access onXX/XX/XXXX of this year and acted immediately to stop the intrusion. '' Through their site, https : //www.equifaxsecurity2017.com/, they have confirmed that I have likely been affected by the breach : " Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
XXXX XXXX were disputed and deleted from my files back in 2013 and last month they were re inserted to my credit reports. I disputed the matter with XXXX and Equifax. I explained to them the situation and they told me they would take this matter to a manager and have it immediately removed but instead I have waited over 30 day for a response from them and now knowing this information was deleted they said the results of my investigation says it belongs there. that means that they did not investigate throughly and the credit management at Equfax is not doing their job properly.
I found out earlier this year that there was a judgement on my credit report when i went to buy a car. Discover credit card company filed the judgement against me back in 2010 and I am just finding out now. I never had a Discover card so I filed an identity theft claim and followed every step. Now after I sent numerous letters to them stateing the crime, they will not investigate the theft and instead they are going to garnish my wages. This is unexceptable to me, I will not be harrassed and pay for something I did not do.
I opened a dispute on XX/XX/XXXX. My dispute is still open and processing. I have received no further information or updates regarding it 2 months later. The 30 day deadline has passed. I demand that all the information be removed immediately per the FCRA. 

XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX  XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XX/XX/XXXX
On XX/XX/2018 a withdraw of {$2500.00} was made by Navy Federal Credit Union ( NFCU ) from my XXXX checking account. They said it was " preauthorized '' which I didn't even know who they were. I told them to send me proof of my signature on anything for which I knew there was none, because I am the only person on my account and knew I didn't sign anything. They said there was no way of providing me anything proving my signature on anything.
I am XXXX years old and facing threats in employment, housing and financials in which depending upon US government support is volatile. Forced against a rock and a hard place I attempted to protect my character by freezing my credit scores before all my bank accounts are closed and I can no longer prove what sort of person I was in handling money.

My first stop to freeze my credit score was with XXXX. When I called their phone number I went through the process of giving my Date of Birth, My Social Security Number, my address. The automated machine then told me to create a pin. Unable to make a 6 digit pin right away my phone call was transferred to a XXXX customer service rep.. 
The person asked me for my social security number again. I gave it to them. I then asked where are you located. I was told " outside the United States. '' I then hung up on that person. I got the phone number off of a website advertising XXXX. I then called XXXX who gave me a different phone number providing me with the same result, an operator in some country over seas. 
In my quest to try and save my character from defamatory allegations that may be levied against it in the future, I submitted my personal information to a Credit score company submitting my identity to foreign actors that don't have to obey US rules and regulations to safeguard my identity. In fact since the credit bureau transfers US citizens personal information overseas instantly, I want to submit a complaint accusing them of compromising my Identity. If my identity is stolen, I want the credit bureau 's to be held more responsible for what ever losses someone tries to pin on me when the bureau is to blame.

I will not try and freeze my credit score now even though I need it to protect myself from democrats and republicans who dedicated their lives to serve foreign country XXXX not US citizens. Since I'm not a XXXX, I have real problems with Government protecting its citizens just like the other 300 million US citizens at the mercy of foreign country serving politicians, be they Federal, state or local officials.
While trying to apply for refinancing our home with my husband, we discovered there was an account that had a large debt : {$3000.00} w ith Credence Resource Management, w ith the account being opened  XX/XX/XXXX . I discovered it by signing up with  XXXX   XXXX .  XXXX  is the company reporting it. We called the debt collector to find out what the original charge was for. When verifying my name and la st 4 of my Social, he  repeated back to me an incorrect address. The address he had on file is in another state from the one I have resided in for the last 28 years. He stated that it was for  XXXX  in  XX/XX/XXXX  and the account closed about 1 year later. I have never applied for anything with  XXXX  or  XXXX   XXXX   XXXX . We told them we would try to resolve the matter ourselves and hung up. I attempted to obtain my one free annual credit report from  XXXX , so I actually had a solid report on file. I was unable to proceed as they were " Unable to Confirm Identity '' with the information I gave. Going through the initial process, some of the questions that were asked about my identity gave questionnaire selections for the out of state address in  XXXX , GA. I have not and do not live in  XXXX , GA. I would like to know how I can get this fictitious debt cleared off of my credit report and what steps I need to take if someone used my Social Security number. Thank you.
My XXXX XXXX account has a credit limit of {$2500.00}. I have disputed this directly with Equifax twice and their update states my credit is {$650.00}. The other credit bureaus are reporting the correct credit limit. XXXX XXXX has the {$2500.00} credit limit in their records.
Complaint number XXXX. Federal Law states that the complaint be resolved in 30-days and/or extended only 15 days. 60-days is ILLEGAL. The investigation is being extended another 60-days which is illegal in violation of federal law, Tile 15 USC 1681i ( a ) ( B ) provides in relevant part : Extension of period to reinvestigate : Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
I have a complaint against MoneyGram. For years I have been sending money to my wife using MoneyGram. 

On XXXX XXXX, 2015 I drove into a MoneyGram store and paid the fee to have {$990.00} transferred to my wife in XXXX XXXX. 
I then drove back home and called my wife and gave her the reference number I was given. 

My wife drove to the bank in XXXX XXXX, waited in line for 1/2 hour, only to be told the transaction had been blocked and shecould not receive the money. 

I then drove back to MoneyGram store and was told only thing they could do was to cancel the transaction. 
They also gave me a MoneyGram number to call. 

I called the MoneyGram number XXXX and was told that my name had been confused with someone else on a listthat they do n't do business with. The Agent, named XXXX, told me that they had corrected the problem, and that I should have on further trouble. 

On XXXX XXXX, 2015, I again drove into a MoneyGram store and paid the fee to have {$990.00} transferred to my wife in XXXX XXXX. 
I then drove back home and called my wife and again gave her the reference number I was given. 

My wife once again, drove to the bank in XXXX XXXX, waited in line for 1/2 hour, only to be told the transaction had been blocked and shecould not receive the money. 

I have XXXX complaints : ( 1 ) If MoneyGram is not going to honor the transaction, then they should inform you up front and not waste your time and gas money. 

( 2 ) If MoneyGram and the Government compiles " list '' of people they can refuse service, then there should be clear guidelines as to what is required to get off this " list '' ; or you should be given concrete reasons why you must remain on the list. 
There should be a process clearly spelled out for people who do n't belong on this " list '' to get off of it.
I have initiated a correction with XXXX, XXXX and Experian regarding the status of a student loan that is showing 90 days past due on all three of my credit reports. I have submitted documenting twice to all three companies to show there was an approved forbearance. After the initial 30 day investigation, nothing was updated and I was told to resubmit the paperwork for all three to re-investigate. All there have requested the info for the re-investigation via mail, on line and fax. I am unable to access an account information that is sent to me, the sites keep saying my information is not correct and while speaking with each company no one seems to understand and or provide any information. When asked to speak with supervisors I am wither hung up on or transferred to a line no one answers. 

I understand that opening an investigation, the companies are supposed to investigate, when asked how they conduct the investigation they have no answer and seem to loose or misplace the documentation that is sent directly to them. The work is already done for them in providing the documentation, which I had to do to actually fix the issue. 

I have received emails from all the companies setting the dispute is completed but when I call they state they are still investigating. How can both be true? I am just looking for my credit report to be accurate. It is a shame that the reporting agencies actually have the power to provide details about an account under the guise of we investigated.
I applied for a citibank checking account, under a promotion that would award me XXXX XXXX XXXX Advantage miles after completing a few requirements in a specific time frame. I met the requirements in the specified time frame, and wrote to ask Citi when I would receive my points. I received a secure message confirming I met the requirements and letting me know I should expect to receive my points no later than the XX/XX/XXXX statement. Today I wrote citi through their online chat and wanted to confirm when I would receive the points, and was told that I would not receive them as I was not targeted for this promotion. I let the online representative know that I was, and that I had an email from citi confirming I had met all the requirements and would receive the points. She said ( paraphrasing ) nope. She did submit a case to their verification department, but told me without me finding the original targeted correspondence from them from about XXXX months ago that I would not receive the points. Ugh. What a headache. I have both the personal and the business citi XXXX cards and use them every month, for international travel, airline expenses and day to day business charges. It is disheartening that they do not want to honor the promotion I thought I received for being a good customer.
I am in a class action suit against Wells Fargo for my complaint related to an unauthorized account. On XXXX/XXXX/XXXX Wells Fargo made an unauthorized direct deposit of {$85.00} to my bank account that was not earmarked and was unspecified and with no prior notification to try to offset the final settlement amount by forcing upon me {$85.00} to satisfy any financial harm without my consent or knowledge. 
This unspecified direct deposit noted only as " Customer Complaint '' was dated ( XXXX XXXX which my local Wells Fargo knew nothing about nor could tell me where it came from set off alarm bells as my bank account had previously been twice compromised after the XXXX breach. 
I received a letter in the mail onXXXX with no check as was mentioned in this letter it specified that they made an unauthorized direct deposit to my bank account. Wells Fargo could have sent a check in the mail along with this letter of explanation of what the {$85.00} was for thereby leaving me a choice to deposit the amount or NOT! Wells Fargo did not have permission to access my bank account make an unauthorized direct deposit. They breached my account. This is a deceptive effort on their part to deny consumers the ability to have a settlement in full! I will have to send a copy of notification and copy of bank deposit via mail.
Tried reaching out to Equifax multiple times regarding multiple inquiries being reported in my credit report without my permission or consent. Was unable to get this resolved after multiple attempts to get this resolved. Tried disputing by phone and online without any success even after letting them know that these inquiries were fraudulent. I let them know that I was concerned after the equifax es breach and I had open a identity theft account to protect myself but they refused to help me.
Credco in XXXX XXXX, CA did XXXX hard credit inquiries XXXX day after the other on XXXX XXXX, 2015 and XXXX XXXX, 2015. I have no idea why they would pull XXXX hard copies reports on 2 consecutive days. I may have authorized XXXX, but, never XXXX in XXXX days. This is hurting my credit rating and XXXX should be removed as it is clearly a duplicate.
I am filing my complaint because Equifax refuses to stand by their rules and standards as a company. I disputed an item on my credit XX/XX/2016. It is now XX/XX/2016 and the item still reads that it is under investigation on my credit report. Equifax refuses to delete this item after 4 months. Please resolve this matter as soon as possible. Thank you.
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015, XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
I was married and took out a title loan with S.W. Title loan in 2015 roughly, I was divorced and my ex husband retained the vehicle and was awarded the truck and was to pay title loan as per our divorce. He continued to pay and then sold the vehicle without my consent and stopped paying them they started harassing calls to me. But I hadn't paid them due to it being in my divorce settlement that he would take full responsibility for loan as well as vehicle. They wouldn't accept my divorce papers to see that was the case. I continually get calls from them and they are very rude.
This complaint is in regards to Equifax 's reported hacking incident and the release of my personal information without my express permission. Due to their inability to protect my data I am now at serious risk of credit and tax fraud. 

As a small business owner this may have a huge impact not just on me but on my employees and the growth of my company as well.
Since XXXX 2015 I have paid {$620.00} in interest and {$230.00} in fees on a {$1000.00} loan. My balance two weeks ago was {$700.00} something and today it is over {$900.00}. My payments come directly out of my checking account. This is absurd. What can I do?
COLLECTION COMPANY 'S XXXX XXXX XXXX XXXX FLORIDA XXXX XXXX.

ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX  {$810.00} DATE ACCT OPENED XX/XX/XXXXREPORTED AS OPENED XX/XX/XXXX ON CREDIT REPORT.

MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ORIGINAL CREDITORS XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$430.00} XXXX XXXX OPENED XX/XX/XXXX {$700.00} XXXX XXXX XXXX  OPENED XX/XX/XXXX {$430.00} REPORTED AS OPENEDXX/XX/XXXX AND XX/XX/XXXXON XXXX, XXXX XXXX.

I have filed dispute on this accounts for a couple of years but because the collection agencies keep passing to other collection agencies I have to start the whole process over and never seem to get it resolved. I have contacted both of this and explained how I have been disputing the collections they have with previous collection companies but they pass it to other collection agencies so I have to start the process over and want answers as to why they are reporting to credit agencies with wrong date of collection when the original date is showing as the date they received account not when account was opened, I also asked if they had a surety bond with the state of Texa as third party collection agency must have a XXXX  surety bond in Texas, XXXX collector nor supervisor didn t know what I was talking about. I then went onto explain that I have been trying to resolve this collections due to having my purse stolen in XX/XX/XXXXand have been having issues but because they are illegally reporting with incorrect dates causing me to get this off my credit report for the past 6yrs. Due to this collection companies reporting incorrect dates I have not been able to proceed in purchasing a home because of there incorrect reporting is affecting my credit score.
I am still having problems with Ditech in receiving a resolution on my loan Modification/Assumption. I need you to assist me in this matter as they are not responding to me. I truly believe they are not acting in a fair and just way. Please contact me and I can submit my entire file via fax. XXXX XXXX