WillisBack/dataset-financial-user-claim huggingface dataset:
My loan payments for part of XXXX and all of XXXX were {$700.00} based on income information that I provided to my lender by linking directly to the IRS portal. Now the lender claims they processed that information incorrectly because I was listed as single in their system ( even though I listed myself as married in XXXX when I filed my taxes and when I filed paperwork to renew my loan ). I provided my spouse 's income as well, to further indicate my marital and filing status. Contradictory to their claim, they are also saying they both my spouse 's and my incomes into consideration to determine the loan amount for XXXX and most of XXXX. Now they are stating they are are working to process my application correctly now and are increasing my loan payment to {$1300.00}, even with my family size of XXXX. My only other option is to switch repayment programs which causes the accrued interest of over $ 38k on my plan to capitalize the interest.
XXXX from Great Lakes Employee ID XXXX spoke with me and refused to consider my husband 's new income even though I told him it had substantially reduced from XXXX. They keep insisting according to new laws and regulations, my supposed payment to them is {$1300.00} according to their calculations. This is putting an undue financial hardship on me and my now growing family ( I am XXXX XXXX  XXXX currently ).
Please help mediate with them so I am not paying dearly for their costly error. Their representative admitted on the phone that their system processed my payment incorrectly.
I have disputed this ARS account numerous times with experian. This account have not been validated. I have sent a validation letter with the expectation and information that I requested per the validation letter which reads : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. I have not received the validation information from this company and they are to remove this negative account immediately from my credit files.
I went on free credit report site to request my free credit report using the credit bureau transunion. When on the site I asked to save as pdf so that I can read the file. When I tried to open the file I got the following messageCould n't open PDFSomething 's keeping this PDF from opening. 
Go back to the last page I was never able to see my free credit report. The page then went right back to the free credit report request and it would not let me retrieve the report. I never saw my information and then transunion had a an advertisement to buy purchase a monthly screening I declined. Your assistance to this matter is appreciated. 
thank you.
I have been spending countless hours making phone calls and writing to Equifax credit bureau in regards to XXXX accounts that have been inserted to my credit that are not mine. XXXX the accounts were originally removed now they have been placed back to my credit and I do n't know why. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I received a letter from Berlin-Wheeler Inc on or about XX/XX/18 that I owed a debt for {$390.00} for XXXX, but I have never had an account with XXXX. I then sent Berlin-Wheeler a certified debt validation letter that was received on XX/XX/18. They sent back copy of invoices, an itemized printout, and a demand for payment, but nothing to verity the debt since the FTC has stated that itemized printouts are not verification of a debt. I checked my credit report on or about XX/XX/18 and the debt was reporting to the credit bureau, but it was not marked disputed within the 30 days that are required by law according to FDCPA 807 ( 8 ). I then sent another certified letter to Berlin-Wheeler that was received on XX/XX/18, letting them know of the violation and asking them to remove the inaccurate information from my credit file, but the debt has not been removed nor has Berlin-Wheeler responded as of today ( XX/XX/18, which well pass 30-days ) I am requesting to have this inaccuracy removed from my credit report immediately.
I have made several attempts via certified letters to Conn 's ranging from XX/XX/XXXX to XX/XX/XXXX to resolve the incorrect information that is being reported on my credit report. Currently, the account has been updated to charge-off status with a balance of {$220.00} being listed. This information is incorrect, as well, as the first date reported of the account being delinquent. I wish to have this account deleted from my credit report as it is showing inaccurate information and causing great difficulty for me in obtaining credit and proving good credit worthiness.
Equifax requests unnecessary information to delete an invalid address ( address must have been entered incorrectly years ago and added to my report ). Equifax can check with the town and US post office to verify the non-existence of the address. Sending in my license, utility bill, etc. that only shows my current address is irrelevant. TransUniion does not require the information to process my request to remove the invalid address associated with my account - why does Equifax? Deleting an old address should be instant. Especially in cases where the address is invalid or necessary for the protection of the person ( s ) requesting the deletion. No proof beyond what is required to view one 's credit report should be required.
Hello, I am writing to file a complaint against PayPal for their limitation of account functions for no given reason. I followed Paypal 's rules to link my bank account and use that as my main source of payment for online check-outs and out of no where they have stopped me from being able to use it, but want me to use their credit line instead and presents that as my only option. I have been using my bank account ( the same bank account ) with PayPal since 2008 and have n't had a returned or denied payment in all that time. But now PayPal is saying " security reasons '' they can block me from using my bank account at anytime. Why make me link it, if they can make the decision to prevent me from using it whenever they want. 
Then when I call customer service they can not provide a reason for why the account was blocked, all they say is PayPal reserves the right to prevent use of payment options. 
If they ca n't arbitrarily decide when and what payment methods I can use what is the point of their services and then they can not provide a reason for why my account was limited. 
Then they market Pay After Delivery as a service and decide that they can just stop offering it as an option whenever they want for any transaction they want. I used it multiple times on a specific website, then I go to use it again and its just gone. Now I do n't have the option at all even though it still says " Pay After Delivery is your perferred payment method '' in my account.
I have been trying for almost 4 weeks to get a Reverse Mortgage thru Security One and the process is being held up because there is a lien release that was never processed by Chase. Security One has asked Chase on XXXX separate occasions. Twice they have claimed to have never gotten the request and the third time they said they can not locate the loan or it 's existence and need another 15 days for research. They have been asked all three time to rush this request.
While paying my XXXX mortgage payment online on XXXX/XXXX/XXXX, I noticed that it showed that I had 2 Fees that were added to my loan account for {$640.00} and {$85.00}, both labeled as Recording Fees. My loan modification was completed nearly 6 months ago and I have not been notified that any additional fees would be assessed. I called 4 times, was transferred to the Loan Modification department since the customer service representative explained that this is where the fee originated. Three times, I could hear someone pick up the line ( with voices in the background ) and hang up. I called back the 4th time and was asked if I filed for a Forbearance on my mortgage, which I replied No and was told that all of the lines were busy and I was assured that someone would call me back very soon. I had no confidence in this, since no one EVER calls me back from XXXX. Of course, I received no call back. I also checked my credit report and my loan account is in the status of " Affected by a natural disaster '' even though I have not claimed this with the mortgage company. I called again on the morning of XXXX/XXXX/XXXX and was again promised a callback from the loan modification department, which still has not happened. I called in the afternoon on XXXX/XXXX/XXXX and customer service connected me to the Loan Modification department and I was again, for the 6th time, hung up on. This service is appalling and beyond unacceptable.
I do n't know where to start. We need assistance to figure out if we are still in modification or did the mortgage company sell our home without us being notified. We have several phone calls going back and forth with Wells Fargo. We did ask them 2 months ago if we need to worry about our house going on foreclosure list. Wells Fargo Rep said They checked our account and there are not any notices or red flags on our account to be worried about. Before that we explained to them we have a lost of wages, I was recently in a bus accident and I am not able to work. In XXXX I was put on XXXX  XXXX and I am not getting what I was making to make ends meet. Again, we did tell the rep at Wells Fargo ; they asked us to send information to start modification, So we did. Wells Fargo said they will work on it and again several phone calls back and forth to get paperwork, information and proof of our situation. We began to get notices from a company called XXXX XXXX  indicating that they are selling our home and will be sold on XXXX XXXX, and now we have to get out of home in 3 days, or be evicted in 90 days. We were never notified by Wells Fargo wether we got the modification or our house was sold or any communication that we are no longer home owners. PLEASE HELP US KEEP  OUR HOME. We love our home our kids grew up there we just need help and a little time to get back where we were at financially. Thank You I hope to hear from you
Contacted Experian after getting a credit report from XXXX XXXX showing my Social Security Number for only their credit reporting agency was completely wrong. This caused a lot of negative reporting items to show up on my credit report and is keeping me from closing my loan. I sent proof of social security and my identification as well as a form from the social security administration. They claimed it would be taken care of immediately. I have been trying to get it resolved since XX/XX/XXXX. My loan is clear to close and still it has not changed with Experian and I am not able to close my loan. this is causing me financial distress. I have called in to Experian and have had my loan officer as well and each time they claim it will be fixed. When I asked them to send me proof its been changed they tell me they will send it and never do. I need this resolved right away!
AFFIDAVIT OF DENIAL STATE OF XXXX  XXXX COUNTY OF XXXX I specifically deny that these alleged account/debt and/or account stated/implied and/or from XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX obligation is certainly mine, if these alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ). 
I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that these alleged account/debt and/or account stated/implied and/or obligations is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE &  AUTHENTICATED contractual agreement nor obligation specifically with DEBT COLLECTOR or any of its Affiliates nor have I ever engaged in any business with DEBT COLLECTOR in the past. These alleged account/debt and/or account stated/implied is FRAUDULENT upon my good name and has caused me injury for which I will seek redress, compensation and settlement. Each company named above has failed to respond with valid proof of claim. They are now in default and compensation and settlement is due. PLEASE COMPLETE ATTACHED AFFIDAVIT TO SUPPORT YOUR CLAIMS UNDER PENALTIES OF PERJURY or agree to pay the settlement order in the next 3 days. 

The following inquiries were NOT authorized and need to be deleted immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX Dated this XX/XX/XXXX Without Prejudice By : XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX All Rights Reserved
A company called North Cash will not stop harassing me about a supposed loan they gave someone - but not me. I 've never had ( or needed ) a loan. I 've mentioned that they need to stop contacting me and that they should abide by the Fair Debt Collection Act, which requires them to stop contacting me because clearly they gave a loan to someone who was n't me. I have spoken to the police about this, yet North Cash refuses to stop calling me on my cell phone and at my office. The XXXX people who have contacted me are very rude and no matter how many times I tell them that I 've never taken a loan, they insist I have.
She called my XXXX year old son, my husband and myself nemorous times, one after another each 1 minute apart. Left voice mails that scared him saying a compliant has been filed and legal proceedings will begin.
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX CARD XX/XX/XXXX {$6800.00} XXXX XXXX XXXX  XX/XX/XXXX {$5200.00} XXXX XXXX XXXX XX/XX/XXXX {$18000.00}
Equifax is pretending that they ca n't read disputes. I find this very destructive to consumers when they use this type of delay tactic. My dispute was CLEAR and PERCISE and you can see for yourselves as I 've attached it. Against my consumer rights they respond with " PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING ACCOUNT NAMES, NUMBERS AND THE NATURE OF DISPUTE '' I can assume that they are doing this to other consumers and probably NOT just me and need a FINE to get them working on consumers issues. I clearly stated as you will see by my included letter the items under dispute and was clear about the reason for dispute. This a clear case of not doing a proper NOR 'REASONABLE '' investigation as required by LAW.
I defaulted on a mortgage in XX/XX/XXXX ( the date of my last payment was in XX/XX/XXXX ). The property went into foreclosure in XX/XX/XXXX, my creditor ultimately sold the property in XX/XX/XXXX. It is now XX/XX/XXXX and the mortgage is still on my Transunion and XXXX Credit reports. The Transunion and XXXX report clearly shows that my last payment was in XX/XX/XXXX, but XXXX reported that I went from 120 days delq to current in XX/XX/XXXX and then back to 120 days delq in XX/XX/XXXX. As a consequence, this derogatory item is still on my credit report and I have been unable to secure a mortgage refinance for my primary residence because lenders wo n't make loans when a foreclosure is still on the credit report. this foreclosure should have dropped off my report 2 years ago. I have written XXXX and they have yet to respond. when I call XXXX I am ask to hold while I am transfered and then they hang up ( this happened twice ). I have filed two complaints with transunion via phone and between the language barriers and lack of customer service, nothing has happened ( in fact my transunion credit score, which I monitor, inexplicably dropped 30 pts ). The written responses from transunion and XXXX claim that a change had been made, but the derogatory is still on my credit reports. Pls help!
On XXXX XXXX, 2017 I tried to freeze my credit with Experian. They make this exceedingly difficult and frustrating to do so. Their first form required collecting my credit card and SSN before finally notifying me that for some reason I could n't use this page and would have to either mail many sensitive documents or upload them. When attempting to upload the documents, the require extremely small file sizes, making it an extra hassle to get the documents together. Even though I had documents of the correct size and file type according to their specifications, I received an error that my documents were too large. After lowering the image resolution further to try to comply with their requests. I get a message along the lines of I had " exceeded the maximum number of attempts. '' Look. They 're obviously trying to make this difficult to do so that we 'll buy their monitoring products out of fear of someone stealing our identity or not be discouraged from taking out credit products due to the freeze. This is highly unethical and overly burdensome to consumers. Freezing credit should be easy, if not a right. The fact that they try to make this almost impossible to do is ridiculous. 

As of now, I am still unable to freeze my credit with Experian.
Complaint : Quicken Loans pull credit report of clients instead of collecting and evaluating available information from clients to determine pre-qualification. This malpractice, even for clients not approved, negatively effect their credit. 
I submitted online the information of my property in Florida that is under water. XXXX XXXX ( ( XXXX ) XXXX from Quicken called back and without providing basic information about and requirements of HARP, insisted that I provide my Social security # so she can pull my Credit Report. When I asked what are the requirements she persisted to get the information from my report. When I provided her my credit score and current loan type she still insisted that I give her my SS # because " Most Clients do not know how to read their credit information '' I objected to be classified as " most clients '' and requested to speak to a supervisor. XXXX XXXX came on the line and also insisted that i give my SS # for them to determined my eligibility for the HARP program. I informed him that my credit is excellent, provided my credit score of XXXX and my current loan type ( not FHA, VA, XXXX nor XXXX ) and asked him if I qualify. He insisted that he can not tell me unless he pull my report. I complain that pulling my report before checking if I qualify based on the information I provided will affect my credit even if I am not qualified. He repeated, " Most clients can not read their credit report. '' I again objected to be classified as " Most clients '' or a flock of " dumb sheep '' as I interpreted their remark. I then request information of external agencies to make a complain. He told me that he has no other information and transferred me to Quicken Client Relations. XXXX came on and repeated that it is Quicken 's Policy that their loan officers pull credit report to determine eligibility since " most clients '' do not understand their Credit Report. I again requested information of external agencies to make a complaint and was told that she has no information to give me. I next ask to speak to her manager. XXXX XXXX ( XXXX ) XXXX ext XXXX in XXXX MI came on and again referred to " most clients '' are not able to read their credit report and refused to provide me with an agency to make this complaint. 
In conclusion, Quicken Loans policy to pull credit report before pre-qualifying the client based on information obtained from the client and with no concern for the negative effect of pulling the credit report is a bad practice and should be amended in the interest of the public.
There are multiple entries on my credit report file that belong to my father, whom shares the same name with me. I would like the issue resolved as soon as possible, as to amend this situation. The incorrect entries are the following in the document attached : Reference Number : XXXX Reference Number : XXXX Case/Docket # XXXX I have never filed for bankruptcy, nor approved of any filing of bankruptcy on my behalf. Furthermore, the lease taken out for occupation at XXXX was not, and could not have been done on my behalf at the time as I did n't have a credit score or history ath the time of the lease. Again, as my father and I share the same name, it appears there was a clerical error in entering it on both of our credit histories.
I received a document from Transworld Systems Inc,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , WA  XXXX  stating I owe for a parking ticket I received in  XXXX ,  2017 for a "  wheels not turned to the curb '' issue. The Ticket number is  XXXX  and was to be paid to  XXXX   Municipal Court.  This ticket was paid on  XXXX   XXXX ,  2017,  in full with an e-mail response from  XXXX   Municipal Court  thanking me for my payment and asking me to keep proof of payment for my records, which thankfully I did. I should not have to prove I paid something in order to avoid their attempt to coerce payment. They should have to prove I did n't pay it..
Please remove the inquiries listed below as they are not familiar to me and I did not authorize them. The inquiries are damaging to my credit and score. Please Remove these items from my report ASAP. 

TransUnion XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX   XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX  XXXX XXXX XXXX-Inquiry from XX/XX/2018 XXXX  XXXX  XXXX  XXXX- Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX  XXXX  XXXX- Inquiry from XX/XX/2018 XXXX  XXXX  XXXX  XXXX-Inquiry from XX/XX/2018 XX/XX/2018