WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion keeps showing things where a application for a car loan believe it was submitted and a few days later again, same company listed so my credit score is reduced for what should not be an issue as far as I am aware and had asked credit reporting company if they need to verify who I am to use things like being adopted from XXXX to XXXX as a small child, but instead of fixing my credit or sending in to verify myself my score dropped almost 10 points for no reason. I do not believe there should be car company allowed to have info some not by myself on car loans submitted let alone submitted twice it appears, what since would that make for anyone to do and get docked another 4 point since some of the dates seem 30 days older, hard when you can not talk to anyone, I did show them my home loan or HUD form showing I bought my house in XXXX and was paid off as well as two car loans one for XXXX XXXX new and XXXX XXXX. I also get issues for being added to my mom 's credit cards as a co signer as the cards were original setup by XXXX at XXXX XXXX address and another home we own outright. We had to put both houses in our own names because of homestead laws not allowing one to have two and if on all homes we be limited to one homestead vs each having our own, I attended and graduated from XXXX XXXX XXXX and XXXX XXXX also part of XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. I build computers and other things from home and as far as I know should have no problems on credit report when I ask why there seems to be a issue and credit score drops to know how to fix it never get a response that I can make since out of. Me and mom 's accounts have dropped closer to zeroing out and shared accounts because of past credit report mistakes and my accounting knowledge since they keep knocking me for help my mom and being on her account so I can help her since she is XXXX and limited on knowing how to work internet. As far as I know I owe nothing as far as anything not paid on time and did pay off my house in 7 years vs. the full 11 year loan both car loans were paid off early also, just confused why they keep lately taking points off my score since it did a while back seem to be get fixed and some issues or mistakes were are suppose to come off this month but due to double checks or checks not approved by me a few months but they were there when my score improved and see no reason why it dropped again. I can not find out why, I had grandparents past house at XXXX XXXX XXXX XXXX XXXX and other house XXXX XXXX XXXX XXXX, have nothing in collections and if there were any reports there wrong but did not see any issues and pay on time and accounts share with mom have been reduced quite a lot but were her accounts and if nothing else would be on both our incomes. I just need to know what or why my accounts dropped recently but can find no answer as found I have to monitor by XXXX XXXX due to past mistakes such as one agency had me living in XXXX, CA. Please what is going on?
I took out a loan at XXXX XX/XX/2012. i ended up closing my bank account and forgot all about paying it. so recently within the last 2 weeks somebody from XXXX in XXXX XXXX contacted & harassed me stating that i needed to pay this outstanding balance or they were going to come and arrest me. The lady was very rude. She said her name was XXXX and than it changed to XXXX. She repeatedly called my cell, home phone, and work phone. I asked how do i go about taking care of this matter. And her response was that i needed to take care of this matter today otherwise they would take me to jail and i would sit there until the court was able to hear my case. Then she said that i owed {$1100.00} if i do pymt. Or {$600.00} if i pay it off within 2 days, or {$420.00} if i pay it today. I said there 's no way to pay this today but i 'll see what i can do. Than she lowered it down again to {$410.00}. She stated i could put this on a prepaid credit card and call her back with the credit card number. I told her i would call her back. It all just seemed so fishy so i called XXXX and they told me not to pay and that somebody would get back to me. 
The persons number that was calling me is phone number XXXX. Once again this lady was beyond rude. My complaint is against the bill collector NOT XXXX.
Sterling Jewelers / XXXX XXXX provide a Credit Card option. Once you receive you card you are able to sign up for paperless billing statements delivered to your email. This service is provided by all of my credit card companies which I opt in to allow me to manage my payments and credit line accounts as I am certain that many folks do. Sterling Jewlers however continues to fail to send the e-statements yet are able to send multiple ( up to 5 per week ) sales promotional emails. It would be interesting to see if this is a common practice by the company to bilk consumers of money by assessing late fees or if they actually believe they are sending the e-statements yet have a system flaw which could have an adverse experience to someones credit file.
I found on my TransUnion Credit Report hard inquiries that I did not authorize. I contacted TransUnion to remove these from my report and they refuse stating that the inquiries are a factual record. I have tried several times to get these removed since I did not authorize but TransUnion continues to remove. These inquiries are from XXXX, XXXX XXXX, XXXX.
MY NAME IS XXXX XXXX. I WAS CHECKING MY CREDIT AND FOUND OUT THERE ARE DIFFERENT ADDRESS LISTED. I HAVE NEVER LIVED IN XXXX, IL 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX 2 ) XXXX XXXX XXXX XXXX, IL XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, IL XXXX ALSO I HAVE NEVER GONE BY THE NAME XXXX XXXX. I THINK IS THE WRONG PERSON OR THEY ARE USING MY IDENDITY. MY EMPLOYER INFORMATION IS NOT CORRECT.
In 2013 the XXXX of XXXX airport, XXXX, seized my mobile home park and all the houses in it. XXXX relocated the residents under eminent domain. I still owed $ XXXX on my mobile home. XXXX settled that account with the mortgage holder, GreenTree ( now DITECH ). I had nothing to do with that transaction. I continued to make my payments to GreenTree on time during the transition from XXXX address to another. I now learn that DITECH is making " derogatory '' reports at XXXX and XXXX, stating that the account has been settled for less than the agreed upon sum. That sum had nothing to do with me ; this is between GreenTree and XXXX, the entity with who they made the agreement. As a displaced person I had no say and no choice in any part of the payoff process. I want that negative mark removed from my credit reports, or some addendum to eliminate any suggestion that I changed course while under contract with GreenTree/DITECH.
It says length of time accounts have been established- I have/had very few late payments always paid everything in full.     Number of accounts with delinquency- I 've only ever have/had  XXXX  bank accounts and never have I not paid.  <P/> Proportion of loan balance to loan amounts of is too high- The only loan I signed up for was through my bank and it was a credit builder but it 's done nothing but jack mine up and make it harder for me to get a card.  <P/> And then lastly too many inquires- I 've only applied to a few.
Essentially I got tricked into selling my house in a manner I was unaware of. Instead of the buyer paying off my mortgage and getting their own, it got put into some sort of owner financed deal which left the mortgage in my name. I ca n't have this, because of this mortgage account I can not get approved for any loans because my income to debt ratio is so far off. 
The mortgage is also in extremely poor shape and borderline to foreclosure again. I am unable to contact any of the other parties in the deal and the contact I did have with them did not help. I have the right to foreclose the property if the account is in default but its been in default for over 6 months and no one will let me exercise my rights in the contract. 

Wells Fargo has the mortgage and they have the ability to end this situation immediately via my original loan but I can not get in touch with someone who can take any action or even look into this. As long as payments come in, late or not or wrong amount even, they just keep the loan current. I also get phone calls non stop, everyday from Wells Fargo wanting me to make the payment which I have not made in over 3 years. My family is basically being held hostage by this mortgage, we need a newer car and a home and we ca n't get it. The reason I sold this house is because my wife was XXXX and XXXX throughout the XXXX, all this did was make things much worse. Everywhere I turn for help I get sent somewhere else and I do n't have {$270.00} an hour for an attorney.
I have an unsecured loan with BorrowersFirst and lost my job 10 days ago. I contacted them immediately, as I was only able to make a particular payment on my XX/XX/XXXX payment. The representative was very nice and understanding. Took my payment and to pay what I could to stay out of collections until I could catch up - presently interviewing for work. Since then, I get phone calls from Borrowers First 5+ times per day and 2 or more text messages. I call them back daily to let them know that I spoke to them the day before and that my situation had not changed yet / that I felt like I was begging harassed when I tried to do the right thing.
I have received notification of a late monthly payment from GreenTree now called Ditech Financial LLC ( I think ). I previously requested supporting data from GreenTree of what month a payment was missed. I did not receive documentation to support that. I did get paperwork that looked like creative corporate accounting of late fees and interest charges. 
I pulled about four years of automatic payment records ( my mortgage payment has been set up to automatically pay every month for over 10 years ) from my credit union ( XXXX ). What I saw was a faithful printout of the monthly mortgage being sent out like clockwork at the same time each month for years. 
I do n't know where or why there is a discrepancy, but there seems to be. I suspect that GreenTree and now Ditech Financial are racking up fees and interest charges. 
I 'll say the same thing now I said before " show me the month that the payment was missed and I 'll pay it ''.
Capital One failed to collect the annual fee as described in the terms of agreement for my HELOC for XXXX of XXXX years and then tacked it onto my payoff which I was obviously not prepared for.
i have submitted a letter to transunion about some items that i asked them to verify with my name on them on XX/XX/2018, and they have not respond to the letter requested.
I was forced by XXXX Hospital in XXXX MN to receive a XXXX I told them I did n't want and could n't afford. They said if I did n't let them do whatever they wanted they would have me arrested and posted an armed police officer in my room who threatened me until I agreed. Then they send me a bill for over {$4000.00}. I refused to pay the bill and informed them why I was refusing. They have since sued me without informing me of it and have started garnishing my wages.
Midwest recovery system has been saying I owe them money since XX/XX/2018. I have never even been to this office in Missouri, it started when I left for XXXX XXXX  and was XXXX in Missouri. There have been multiple times that Ive had to try and removed this debt because it is hurting my credit score. The debt is not mine. Ive even froze my credit in hopes of it stopping this company from making fraud claims on me and nothing has worked. This one said I have a debt owned from XX/XX/2018. Ive been home since XXXX. Please help me permently remove this
COMPANY DID NOT FILE A COMPLAIN WITH A COURT OR DID NOT NOTIFY ME IF THEY DID, BUT WENT AHEAD TO PROVIDE MY BANK, XXXX BANK FAKE DOCUMENTS AND GARNISHED MY BANK ACCOUNT ILLEGALLY OF FUNDS RANGING FROM {$410.00} TO {$500.00}.
I have no idea how I over over XXXX. I never was told about my interest. I took out XXXX small loans. I went to a 4 year university and lived on campus for one year. XXXX did nothing to help me. I barely make XXXX with a college degree.I was never told about private and federal loans and going to school out of state. Nothing was explained to me.
This XXXX account is not mines and has been deleted by Experian. The XXXX account appear to be the same debt, so how can it be posted two times? XXXX XXXX Credit card not mines. 

1. XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} 2.XXXX XXXX XX/XX/XXXX XXXX {$0.00} 3.XXXX XXXX XX/XX/XXXX XXXX {$1000.00} XXXX 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$45000.00}
I look on XXXX XXXX  daily. I saw a company called XXXX XXXX XXXX as a hard inquiry on my credit report on XX/XX/2018. I never authorized my credit to be ran by this company. I do not want a car. I have one. I contacted the fraud department. After researching they told me that The application was done online and they do not have a hard copy and my SS # is one number different than the applicant and the credit bureau accidentally merged our information. I called the credit bureau XXXX  and they stated it is not possible to have that happen and to call XXXX and have them submit an electronic request to have the hard inquiry removed from my credit report. When I called XXXX   back they said they could not help me and transferred me to their parent company santander usa. Santander told me XXXX will just keep transferring me to them bu there is nothing they can do because they do not have an application from me to even discuss with the credit bureaus about. I am all out of options. Everyone keeps telling me they cant help me. I am being penalized for something i did not do and I need the help of the CFPB to get this fixed. I understand an inquiry does not have a large impact on my credit score but I have a good amount I did myself and I am getting ready to purchase a home in the future and I do not want to be penalized for something I never did. Please help me.

XXXX XXXX
I have Navient as my servicer. I contacted them several times in XXXX and XXXX about my payments. I pay {$1000.00} a month and the principal has not budged. When I was connected with a representative, I was abruptly told that there is nothing they can do and everything is as low and it can be. I have been paying since XXXX XXXX and no progress has been made. There has to be something wrong with Navient!
This company had not provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. 

Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of Virginia. I am a Texas resident. This company is fraudulent and illegally collecting in the state of Texas.
Hello, I have had this Nordstrom credit card for year. I always pay my payment on time. One month in XXXX Nordstrom reported me 30 days late. They reported me late because Apparently I did not make the full payment so they say. I made the payment through my mobile app when i made the payment the mobile app had the amount due of {$95.00}. The {$95.00} is what was paid. Days later the app told me there was still {$98.00} due so i paid this on the XXXX of XXXX. Which still is not 30 days late. I went into Nordstrom to make a purchase and the cashier told me i could not use the card until a {$10.00} payment was made. This is when i made the payment with the cashier on the XXXX of XXXX. Once i made the payment i asked why, and she explained that i did not make a full payment and XXXX was what was not paid. I explained to her my mobile app had one amount due and logged me off then when i check days later it had another amount due. She told me to call the XXXX number to see why and make sure everything was ok with the app and she recommend me removing it and adding it back on. when i called the representative said the system may have been down, or was being fix on. Later when i made my payment for XXXX i was charged a late fee and i did not know how. I paid what my mobile app told me to pay, in a way i feel the information should be accurate. I have paid my Nordstrom bill every month on time. If i was late no one notified me? This is derogatory information hurting my credit. If i would have never went to the store i would have never known i needed to pay {$10.00}. I would like for them to remove this information because i have paid my payment each month and never skipped a month. If the payment was short {$10.00} the app is the reason and i should not be penalized because their system may have been down that day. I disputed it with Nordstrom and they sent me a letter but the information was still inaccurate it went from late in XXXX to late in XXXX. I disputed it again and it went from late in XXXX to being late in XXXX. i am writing CFPB to seek help.
XX/XX/XXXX at XXXX XXXX a criminal withdrew {$1800.00} from my checking account using a debit card that was attempted to be cancelled that morning by Bank of America from a stolen purse, without the pin number on the account. Crime was reported, bank of america did not conduct a thorough investigation and removed the temporary credit of {$1800.00} from my account XX/XX/XXXX that was put in back in XXXX. I have XXXX police reports on file, neither have found the criminal, and Bank of America failed to look at video at the branch in XXXX, NC where the money was stolen nor did they investigate my location/whereabouts because i was 3 hours away from the crime scene when it happened. I fully expect Bank of America to continue to drag this on for days and weeks and i have to retell my story multiple times daily to catch up the next new person i talk to on the case. Bank of america did not communicate with me one time from my report on XX/XX/XXXX and just took the {$1800.00} back, that is how i found out they closed their investigation saying the signature on the withdrawel was consistent with ours .... no duh! They stole our purse and could have learned to trace it during hte day. Plus i am angy i cancelled my debit card and someone trys to get a large sum of cash out, red flag, make them use the pin # for my protection! Bank of america 's policies are preventing them from doing the right thing now while they reconsider my case, they refuse to temporarily restore my {$1800.00} credit while the investigation continues. It is their fault the investigation failed! They have access to the video tapes at the bank, not me!!!! This is the problem with big banks, they don't care about their customer who has been loyal since XXXX for 20 years! They are on the brink of losing me as a customer for life!
According to my recent credit report request from XXXX, Equifax, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Account Status Charge-off Status Updated Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX   Account # XXXX Account Status Charge-off Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX Account # XXXX Collection Contact Information XXXX XXXX XXXX XXXX XXXX, MS XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT
On XX/XX/2018 I sent a certified mailed letter with a return receipt to Debt Recovery Solution XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. In my letter I asked this company to validate NOT verify an alleged debt that they are attempting to collect from me.I specifically asked for this company to please provide an agreement that had my signature on it and other supporting documentation. 

I received a letter from Debt Recovery Solution, dated XX/XX/2018, in response to the letter that I mailed to them on XXXX XXXX certified mailed. Their letter stating " we are responding to your recent request for verification of the obligated references above. Enclosed is the documentation you requested ''. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have dated their letter response one day before I even sent my letter to them certified mail. They have not provided me with the requested documentation that I asked from them. They have reported delinquent information to the credit bureaus that I am asking to be deleted. 

I have enclosed my certified letter that I sent to this company on XXXX XXXX, Debt Recovery response to my letter, and my certified mail receipt with the date I sent the letter and the return receipt that Debt Recovery signed acknowledging that they received my letter.
This is in regards to my Kohls credit card account. I have always made my credit card payments on time and I have always maintained a credit score in the XXXX XXXX. I recently learned that I had missed a payment for Kohls. I had not been contacted by anyone from Kohls until the week of XX/XX/XXXX regarding the late payment. I had not received anything by mail or other phone before this call. When I did receive the phone call, I explained to the agent that I couldnt give her my payment information at that time but I would call back. I called back within 2 days. At that time, I set up an automatic withdrawal from my bank account of XXXX ( the day that my next bill was due ) for the amount of {$210.00} to bring the account current. At this time she told me that they would also credit my account {$74.00}. The agent led me to believe l that this would not negatively affect my credit since I was paying by my next due date and it has. The late payment are now showing on my credit report and are affecting it dramatically. I have sent two request to Kohls executive office to remove the late payment on my report. I received one letter stating this could n't be done and I have not received a response from my second request. We are currently trying to get a different home in order to help care for a family member and the late payment is effecting my credit score greatly. I would like for Kohls to remove the late payment for the credit report. Thank you.