WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo still has not explained how the mortgage on my house has not changed in the past 13 years since we have been paying on it. They are a cheat company who misrepresents themselves and do nothing but cheat and lie to customers. I want an explanation as to why our morrgage has not changed in 13 years ... ..it should be less than what they say it is and they are basically having us pay 5 times the actual house cost with their lies and so called loan modifications. Our original loan for the home was not through them since I never trusted this company and I would like my mortgage sold to another company.
I recently pulled my Annual Credit Report from the XXXX major credit reporting agencies ( XXXX, XXXX XXXX, and XXXX ) and have noticed an entry in the Collections Column from IC Systems XXXX XXXX for a total of XXXX for XXXX XXXX service!! I do not recall EVER having owed ANY cellular phone provider. I have recently sent disputes to ( XXXX, XXXX, and XXXX XXXX ) for this debt  because i do not believe it belongs to me. I was recently XXXX across seas between XX/XX/XXXX-XX/XX/XXXX and believe this debt could be potential fraud!!! Please promptly look into this matter because this entry is  severely damaging my otherwise excellent credit history. Thank you.
My credit score is being lowered by having multiple variations of my name appearing on my credit report by all XXXX major credit bureaus. In addition, there are names appearing on my reports that are n't even mine. For consistency I want My full first name and last name. That is all I want. After disputing this issue they still have n't made the changes.
Called my employer asking for me passing himself as a sprint customer that need to speak to me. When a manager picked up the phone and asked the caller who was asking for me the caller responded im a customer. When the manager picked up again and requested again who was calling for me since I was busy with a customer he then responded with his name and he was calling from Recover Management Services. When they requested for me they only said XXXX. Not by my full name. Also they continue to call my employer and not only getting me in trouble but calling private after my manager told them to stop calling my job. My employer came to me with a complaint. Call was made at XXXX XXXX/XXXX/2016. I have also requested a written notice of the bill with information of the collection company since I was first contacted about it XX/XX/XXXX and yet I still have n't received anything in the mail about the bill with any information and where it came from.
I am an Authorized User on a Credit Card account. I have been in contact with my creditors furnishing this account to all XXXX credit bureaus. All except Transunion is not reporting this specific account on my Transunion credit report as well as not reporting on my Account Holder 's Transunion credit report. This account was supposed to be reporting from 2015 and we did not take notice of this unreporting until recent months when our credit scores were significantly lower than other credit bureau 's and compared what accounts were reporting and not reporting. Twice I have contacted Transunion and twice I came in contact with XXXX Transunion. Despite my informing him that the creditors have been reporting to Transunion, he continues to disagree and tell me that the creditors are n't reporting it and they need to contact Marketing Department directly. I said " Yes my creditors have in fact been in direct contact and I have documentation to show '' and he questions me. I requested today to speak with a Supervisor who tells me same thing as XXXX to have creditors contact Transunion directly. She said her name is XXXX XXXX. I told her I have documentation that Transunion is being contacted directly by my creditors and since she specifies Marketing Department handles the reporting I want the contact info and contact person to address this issue. She replies " I do n't have that information. '' I asked to speak to her Supervisor and she replies " I am the Supervisor. '' Funny how they are scripted to say this and how are we to know if such department exists, and if this department is even the one that updates credit reports. 
My complaint is they need to start reporting information, stop lying to consumers, and work faster to get matters resolved. This is months of good data going unreported!!!
Last year I filled a complaint about a loan Navient is trying to make me pay. Complaint File number XXXX. In the response I received from Navient they reference paperwork attached to the response that is not there. I have no idea what consolidation Navient is taking about. I never signed anything but my deceased ex husband alway ALWAYS signed my name on anything he wanted to. This is fraudulent and I want my name and social security number taken off this loan please. 

I never attended college. I did go to beauty school in 1986. Thats 32 years ago. My small loan was paid off. Any consolidation is from my ex husbands loans from XXXX University. Im not responsible. In my first complaint I attached copies of the judges orderes releaseing me from XXXX XXXX debt. 

Again any signatures with my name were not signed my me but FORGED from my ex-husband.
XXXX XXXX XXXX  XXXX, employee XXXX XXXX ( internet sales manager ) discriminated against me based off of my credit report/score. He told me nobody called me back ( in person in front of my face/spouse and minor child ) from XXXX XXXX ( after being promised a call back in XX/XX/2018 ) because my credit was bad, stating that nobody wanted to deal with me. After calling XXXX XXXX for three days I finally got someone XXXX on the line, who I told I would report his behavior and attitude to his General Manager while speaking to him on the phone, he then began to tell me he had good news that day ... I declined the deal, actually coming in today with a spouse to co sign. Keep in mind we never signed any documents to consent for the credit check which is concerning. XXXX went on to degrading me verbally the entire evening, constantly saying that my " bad credit '' was the reason nobody in the dealership called me back. He cursed all night long, even trying to force my spouse to agree to a contract she did not agree to. He even stated that he would not forward our application to Honda Financial unless we agreed to the service contract/GAP insurance, attempting to manipulate us to agree with his terms, constantly telling us Honda will deny a deal unless the extended warranty was opted in by us. 

XXXX repeatedly talked me down in front of my spouse, telling her that the extended warranty protected her from me because based on my credit I would default payments, damaging her credit, according to XXXX. He even told me to apply elsewhere, telling me to " go to your bank maybe they will approve you since you do not want the extended warranty added. '' Pre judging the joint application as if he was a legal licensed loan department representative. I am extremely offended and concerned with this behavior displayed tonight by this employee of XXXX XXXX XXXX XXXX, California. I do not understand why me and my spouse were discouraged from proceeding with having our information submitted to Honda Financial.  Please advise.
I know this is not the fault of the person handling this case but someone needs to see this and take action ... 
As a result on an investigation I requested, on both XX/XX/17 and XX/XX/17 ( see enclosed reports ) Equifax was showing a bankruptcy as deleted and not reporting respectively. Only to add it back later. According to the reports sent to me " If an items " Deleted '' Equifax has removed the item and was supposed to take steps so that it does not reappear. '' Equifax has failed in this regard and is in violation of the FCRA ...
I had enrolled in a College back in 2008 and the school signed me up for this loan from a private lender. I did not fully understand what it was I was enrolling in and now I have had a bill from CitiBank Student Loans on my credit report since 2008. They then transferred the loan to another creditor and so I would like to dispute having these collections on my credit report. This is illegal as far as I am concerned and i would like to get some help resolving this.
I was a victim of identity thief. The credit card company called me and told me they stole my credit card number, and they were doing illegal charges. The credit card company told me to file a complain for all the illegal charges, and I did. Since that incident, I did n't use the credit card, and three months later I still had a balance on the card and fees for charges that I did n't do. It is affecting my Fico score just because the company does n't want to do the job. The customer service has been a nightmare. We called at least XXXX times, and they still did n't fix the problem. Should I sue the credit card company for damage?
Looked at a printed Experian copyPrevious employer " XXXX XXXX '' is listed under " XXXX XXXX XXXX '' looks like they are questioning ss # and address. needs to be fixed
I have an old medical bill that was sent to collection that I normally pay on my next  Doctor  visit. I have n't been in so it was sent to collections in which I did n't know of. Did n't receive no letter stating debt and when I did receive a phone call the representative was very rude and threatening. Had a harsh tone and told me that if I did n't pay in a week I would be sued. The representative would n't even work out a payment plan for the debt of {$150.00}. So know it 's on my credit report damaging my credit.
Mortgage servicer was maintaining a rolling late fee accumulation while payments were being made on time. This resulted in the accumulation of {$2700.00} in late fees. There are XXXX occurrences of late fee charges that ranged from {$0.00} to {$860.00}. This accumulation began on or about XXXX of XXXX. 
Mortgage servicer was negligent in maintaining a sufficient escrow account minimum and a monthly funding amount to prevent shortages. This resulted in numerous escrow advances to occur to cover shortages in paying property taxes and home owners insurance. In the process of repaying the escrow advances, the mortgage servicer misrepresented the distribution and allocation of regular monthly payments to repay these escrow advances thus resulting in classifying the mortgage payment as being short. This forced a suspension of remaining funds from the mortgage payment and a late fee to administered. There were XXXX different occurrences of escrow advance repayments processed totaling an amount of {$3500.00} from XXXX of XXXX to XXXX of XXXX.
During training at XXXX XXXX  Virginia XX/XX/XXXX I paid {$510.00} which is two payments to update my account, then made a another payment XX/XX/XXXX ( have receipts from payment station and bank statement documenting the transactions ). In XX/XX/XXXX, I received a certified letter from Specialized Loan Servicing about my account being delinquent. I contacted the company via email and phone disputing the disclaimer. I was informed to email copies of my receipts and they would investigate. After several calls and three follow up emails later, it was only to submit another request for an investigation into the receipt of the funds in question. This was the first of the episodes while I ended up paying another {$510.00}. The second episode was getting another letter in the mail today ( XX/XX/XXXX ) dated XX/XX/XXXX informing me that my account was delinquent while I am yet again disputing it because I have a payment receipt and bank statement that indicates otherwise as of XX/XX/XXXX when it was paid. This company does not respond well when it comes to them having to pay back excess funds or investigate missing funds that should have posted the correct account. According to them, there was or is no way that they could have posted the funds to the wrong account ... ... very questionable after my payments have come up missing not once but twice.
I've noticed this inquiry which i did not authorize or gave any consents on following day : - XXXX XXXX XX/XX/2018 I surely believe maybe it's fraud or stolen identity. 

As result of this, my credit has been affected and preventing me for applying for loans. 


Thanks, XXXX XXXX
Equifax, according to their own research, allowed the unauthorized access to my personal credit data to occur from mid-XXXX through XXXX XXXX. 

The information disclosed included all or some of the following : my name, Social Security number, birth date, addresses, drivers license number, credit card numbers, and dispute documents including personally identifiable information. 

Criminals now have access to all information required to establish credit under my identity. As the information disclosed is in digital form, it is trivial to share and re-share my personal information. 

Equifax 's failure to meet their fiduciary duty to protect my information exposes me to a lifetime of elevated identity theft risk.
I sent Transunion a copy of a settlement agreement between myself and XXXX where XXXX agreed to remove all XXXX cards from my credit report. Transunion has refused to do so. They are now reporting XXXX as having XXXX missed payment, from an account that 's not supposed to even be reporting. XXXX is also reporting again when both the Consumer Financial Protection bureau and Transunion have a copy of the settlement agreement. These accounts are not mine. XXXX is reporting and this is an account I neither opened or authorized. Finally, there are XXXX fraudulent credit inquiries reporting on my credit that should n't be there. I sent in the required, notarized statement that these are unauthorized inquiries as well as a police report, yet they are still reporting these inquiries. They are as follows : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX
There are two fraudulent XXXX accounts being reported on my credit bureau reports. One is a XXXX XXXX credit card ending in # XXXX and the other is a XXXX XXXX XXXX account ending in XXXX. I have sent several notices to all 3 national credit bureau agencies XXXX, XXXX and Trans Union advising them that they are fraudulent accounts and have demanded validation from the creditors. Unfortunately, to no avail I have not received any information and they are both being reported as derogatory accounts. This is having an adverse effect on my credit rating. The accounts appear to have been opened by someone in my family and or household who has access to my personal information. This violates federal law under the FCRA and FDCPA.
I was contacted by XXXX XXXX XXXX collection agency. Said agency made numerous violations of the Fair Debt Collections Practices Act, TCPA, and Fair Credit Reporting Act. I subsequently entered into a settlement agreement in which I agreed not to file suit for violations of said Federal Statutes as well my rights under the Kansas Consumer Protection Act they agreed that XXXX XXXX would remove any and all credit reporting for a lump sum payment. Said payment was made on my part over a year ago and they continue to report to my credit bureau as a charge-off account despite the agreement made by their collection agency in agreement for me not to file a civil action against both the collection agency and XXXX XXXX. 
Said actions are in direction violations of state statutes K.S.A. 50-623, K.S.A. 21-6503 and federal statues 18 U.S.C. 1030, 15 U.S.C. 1692e.
Key Bank does n't have legitimate credit card customer service. I 'm missing a credit for XXXX on my statement, and do n't know why, and they 're not able to legitimately explain as to why they 're are several debits and credits on my account and where are they coming from. My letter I was supposed to get got lost in the mail or something or they never sent it. It 's XXXX credits for XXXX for XXXX XXXX XXXX XXXX, and XXXX for XXXX from XXXX. They should at least be able to proactively explain why the charges were n't reversed and why you should legitimately received a credit. But I just keep getting transferred between disputes and customer service and nobody seems to care that the proper adjustments that needed to be made as well. A complaint has been submitted at the customer service level and corporate level, but they need to look into this issue and get it resolved ASAP
This complaint is a follow up to complaint XXXX filed XX/XX/2017. 
I disagree with the findings of verification stated by the CRAs and the complaint previously brought against the companies has not been satisfied with proof these accounts were validated now removed from my account. Accounts unvalidated were removed from my report by XXXX and I have enclosed the findings of the dispute with this complaint. 

On X/XX/2017 I requested the CRA to furnish : 1. Agreement with the creditor that authorized the CA to collect on the alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested the CRA to provide me with a validation of the debt as listed on the attached correspondence. Please note, this was not a refusal to pay, rather a statement that the CA or creditors claim was disputed and validation was demanded. ( 15 USC 1692g Sec. 809 ( b ) ). The CA or the creditor met my request for information and at this time are knowingly reporting information that is inaccurate. By the provisions of the Fair Credit Reporting Act, I demand that these items be removed immediately from my report.
Equifax is reporting XXXX XXXX XXXX this was paid in full they sent me the title to my car 4 weeks later and I sold the car 4 months later with a clear title. Then I fine XXXX XXXX XXXX saying I owe them money that is impossible I paid this and already sold the car. Please help me get this deleted
This is the second time we have had to file a complaint ( complaint number XXXX ). My brother is the homeowner but I have been communicating with the mortgage company since the beginning on behalf of my brother. I am authorized to communicate with them. My brother lost his job at the beginning of the year. The mortgage was transferred from XXXX to Bayview Loan Servicing as of XX/XX/2018. He filed for a loan modification in XX/XX/XXXX. After XX/XX/XXXX when they kept asking for copies of his paystubs I reminded them numerous times that he was no longer employed and could no longer afford to keep the home. He wanted to do a deed in lieu as he no longer wanted to keep the property, I was told by Bayview that they do deed in lieus very rarely and they wouldn't recommend it. I told them that he had to vacate the home as he could no longer afford the condo assessments, utilities, etc. They kept insisting that there was someone still living in the home even though I told them that their appraiser took photos of the wrong unit and that my brother 's unit was clearly marked with his name and unit. They finally admitted they had the wrong unit after we filed the first complaint. The second time I told them he wanted to do a deed in lieu I was told he couldn't do it until the loan modification was denied. They sent the denial to his vacant home dated XX/XX/XXXX ( over 6 months from the time he filed it ). They stalled for over 6 months. They knew he was living with me and had no idea they sent a XXXX   package with the denial until much later. He was served with a complaint for foreclosure at my residence on XX/XX/XXXX. The complaint indicates you should call your mortgage company or the attorney for help. I called Bayview, left a message and got no return call. I called them again, got someone who didn't have a clue what she was talking about so I asked to speak to a supervisor. I was told he was in a meeting and would return my call. Never did. I called their attorney 's office and was told to call the mortgage company. I will be filing a complaint against this company with every government agency I can think of.
I applied the American Express Platinum card and paid {$450.00} annual fees with XXXX points bonus reward after I spending {$3000.00} or more within 3 months. I did spend about {$3000.00} in XXXX and got XXXX bonus reward. In addition, I spent another {$160.00} in travel and American Express credited during 3 months period these money back to account so the total purchase was still about {$3000.00}. However on XXXX XXXX, 2016 they took away my XXXX bonus points which they called " Point Adjustment ''. I chat with American Express online on same date and he and his supervisor told me they subtract the money which I got credit so the amount was below {$3000.00}. I explained to them American Express already subtract this money which was additional purchase nothing to do with my total purchase {$3000.00}. They acknowledged that I am correct and gave me the XXXX which is American Express Reward team. On XXXX/XXXX/16 I called Reward center around XXXX AM and the person I talked with put me on hold and looked over my information and came back told me he did know see anything in my case they should not take away my bonus reward and he also said this in unusual case and opened the case for me.and told me that someone from American Express will call me in 2-3 days. I was waiting but no phone call. On Wednesday XXXX I called back and asking what happen and why nobody contacts me. She told me it seems they have big issues with these cases so it would take a while and filed the complaint to headquarter for me and gave the case number and assured me someone will call. Today I still do not hear anything from them.
After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

XXXX  Inquiries are -- -- - XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian Inquiries are -- -- - XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
In XX/XX/XXXX, I contacted Experian about accounts on my report that are in error, Experian investigated and stated that the accounts were verified. I sent a letter requesting the Method of Verification in XX/XX/XXXX. Experian failed to send me a method of verification. I made another request in XXXX for the method of verification, Experian failed to provide me with the method of verification. I sent an additional request for the method of verification in XXXX, Experian yet again failed to send me the method of verification of how the accounts were being certified as being accurate. I sent a letter to Experian in XX/XX/XXXX telling Experian that because they had failed to provide the method of verification that I was telling them to remove the accounts and I would be filing a complaint with the CFPB, yet again Experian responded with a credit report stating that accounts were certified as being certified, and completely ignored my request.