WillisBack/dataset-financial-user-claim huggingface dataset:
According to my recent credit report request from Experian 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 & EXPERIAN 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 Experian XXXX   XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX Experian XXXX   XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX Experian XXXX   XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX XXXX Experian Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX   XXXX Experian Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Experian XXXX Account Number XXXX XXXX Account Type Collection Account Collection Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Experian XXXX   XXXX Account Number XXXX XXXX XXXX Account Type Revolving Account Revolving Account Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Experian Account Number XXXX Account Type Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX & XXXX XXXX Experian XXXX XXXX  Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
Ocwen Loan servicing LLC hired XXXX XXXX XXXX XXXX with forged documents and sued me in court for a discharged debt reinstated the debt and tried to extort XXXX+ from me. The debt was discharged prior to inception from XXXX XXXX who failed to entered appearance and failed to show. My HAMP was denied by XXXX and while unlicensed in XXXX they put me in another government program. Ocwen tried to reinstate the debt. XX/XX/XXXX. XX/XX/XXXX sent a notice I was in default. The letter did not conform to the requirements of a default nor was the loan accelerated. Instead they spent years pretending to put me in 5 HAMP programs to meet the government Standards and until the lawsuit filled in XX/XX/XXXX they documented on their own ledger the forgery of papers to foreclose, had people watching me outside, break in my unit. KEYS for cash was offered as it is NOT allowed in XXXX to enter a unit without keys. As a property manager i know from XXXX XXXX XXXX XXXX. they forged papers a transfer from XXXX to assign them my home. They have an unrecorded note without recourse they forged and put XXXX XXXX on there as the owner and then stamped in blank with no date payable in blank by XXXX XXXX in XXXX. Now XXXX the trustee of the XXXX XXXX XXXX claims it belongs to them.
The inquiry was made on XX/XX/2018. No loan was secured and no vehicle was purchased. A letter was written to try in have the inquiry removed.
An account with " XXXX XXXX '' was opened in my name for {$300.00}. I did not open this account. I reported fraudulent activity to my bank when noticing money deducted from my account. Third party now put me in collections although it was identity theft.
Chase let a fraudulent company charge my credit card account with a membership fees they did not have the right to charge, because this organization did not provide me service, more importantly, I did not provide this organization with my credit card information and I did not give them permission to use my credit card or charge me for this non existence service. 

After this organization charge me a fraudulent fee which affect my balance, my automatic payment was somehow cancelled on this credit card created a late payment fee, though if there was no fraudulent charge in the first place, this would not have happened. Then when I closed this account with chase because they did not help me resolve this problem to my satisfaction, chase report a negative on my credit card account with a delinquent status on a late payment created because they let a fraudulent charge happened on my account without my approval.
it is the same complaint, againnothing ever gets done with Bank of AmericaI get a run around, and always gets sent a large service call centerI am told I am talking to the office of the president of Bank of Americathis is not true, it is a call centerI am told one person is handling my issues, that is not trueIt is the same run around time after timeI need real help. 

Bank of America does not want to resolve any issuesPlease get me to someone who actually can do what they say and is actually in authorityNot an underlings from a call center who has the purpose to stall delay and not do anything to helpXXXX
I was sued by my wife 's father for money he loaned us in XXXX. I lost my job in XXXX when he sued. I did not go to court because it was not feasible. he Sued me in XXXX and was granted a judgement. XXXX XXXX hired a company Prospect recovery solutions. I got a call and he said I do not owe XXXX XXXX anymore but I owe him. I had no idea who this individual was. I asked him not to call me anymore. So he called my wife and contacted her by XXXX. Then he sent letters to the house, addressed to my wife. They are threatening letters. I am in possession of all. XXXX XXXX XXXX also contacted my Job. He talked to the HR Director XXXX XXXX and was asking personal questions about me. She did not answer any of those questions. I am very afraid because he threatened to come to my house. I have an attorney, to see what my rights are. He has pulled my credit report without my permission, he somehow knows what is on my tax return, and he has also reached out to my home town and has tried to cause disturbance there according to his letter that I have in my possession. I am afraid for my life and I hope someone can stop this indivdual.
Because we could n't come to terms, I advised a XXXX costumer service agent that I planned on cancelling my service with them to go with a different carrier since I was within my 15 days to do so with no penalty, then I disconnected our call. The agent went to the lengths to call me back to offer me a " loyalty plan '' to keep me with them, that I later ( now too late ) found out did n't exists. Ironically I tried to call XXXX numerous times in the following months to get them to honor what I was offered or terminate my contract with no penalty, as I planned on doing before being tricked into keeping it past the 15 day period. Ironically, I could n't get a call back from XXXX when I wanted to, but the agent could call me and sell me lies after I hung up on her. After about the XXXX call in I talked to a rep who offered me a new plan, {$50.00} more expensive ( {$120.00} instead of {$70.00} ) than the plan I THOUGHT I agree to, but I was tired of the run around so I agreed. After that, I had to call back again because the rep who offered me the {$120.00} plan did n't switch it over right. By the time I got my next bill it was {$190.00}. SO AGAIN I called, XXXX final time, to tell them I was done and to cancel my contract as I have been requesting. My intention was to go to get bought out of contract by XXXX of the other carriers but the bill had to be current and I refused to be pay XXXX another dollar after over 6 years of being with them and being treated so poorly. It took me some time to figure out a new phone situation, but I ended up doing so. Next thing I knew I got a {$690.00} bill from XXXX and emails from a debt collector on their behalf. I submitted a XXXX complaint and even that turned into a night mare of unanswered VMs and multiple contacts. I was told multiple things by multiple reps. They both made me offers contradicting each other 's and still based off of the wrong information, and when I asked for clarification and then a supervisor, I was denied both. I was tricked into keeping this contract when I made it clear I wanted out, and was within the time frame to do so without penalty. This the is the worst experience I ever had with a service provider, ever.
I have been notified by my credit reporting company that a hard inquiry was made to XXXX XXXX last week XX/XX/2018. I have not requested any products or services from this company for wireless activity. Please check.
Barclays can not provide me with payment info, they give me a number for XXXX ( XXXX XXXX XXXX ) and online, and over the phone, they are saying they do not have the debt ( Ref : XXXX ). When I contacted Barclays again they then stated the debt had been moved, but have not given me payment details, meanwhile I accrue late fees.
On XXXX XXXX, 2015 I mailed a payment of {$2000.00} the payment was received and cashed on XXXX XXXX, 2015 ( apparently it was applied to the wrong account number ). When I called on XXXX XXXX, 2015 I was told that they had n't received my payment so I went ahead and wired {$4400.00} ( the amount that was past due according to whomever I spoke with ). I asked that they refund the {$2000.00} and they said that they could n't because they had n't received it. I called back again because I saw that payments had been made on my account through XXXX 2015. I told whomever I spoke with at the time that I wanted the {$2000.00} and I was told that they would refund the money. Since then I have called several times and requested to get my money reimbursed. Each time I call I am told that they are working on it and will reimburse the money. I have spent hours on the phone with Nationstar and I 'm tired of getting the run around. I want my money back!
XXXX, my bank manager at Wells Fargo, XXXX XXXX, XXXX, VA XXXX ( XXXX ) informed us ( myself, my daughter, and son-in-law ) when we started our small business ( XXXX ) that if we invested our own money to show good faith that we would qualify for a low interest business loan. We invested at least XXXX into our business and when we applied for the business loan, XXXX XXXX, Division Lending Manager, Wells Fargo Business Direct continues to deny us due to:1. A Collection problem on my credit report which Wells Fargo resolved in XXXX 2014 but refuses to send me a copy of the resolution ( just reported tonight XXXX XXXX ) to send to the XXXX credit report services and2. states my son in law and I have invested too much money in my business to receive a Wells Fargo small business loan. ( too much debt according to our income ). 
3. XXXX XXXX and XXXX, the branch manager keeps asking for more and more information which we have supplied but can not fix due to : XXXXA. Wells Fargo will not send me the Resolution Letter in my favor to send to the XXXX credit reporting agenciesXXXXB. Lied to us about receiving a small business loan after we invested so much of our own money that we can not get the small business loan they promised nor get .... 
XXXX A small business loan from any other lender due to NOT sending me the Resolution Letter to clear my credit report AND encouraging us to delete my line of credit with Wells Fargo to where I have too much debt to quality for their promised small business loan nor get a small business loan from any other lender.
Conns placed a 30-day late with all three credit bureaus ( XXXX, XXXX, and XXXX ) for a missed payment ( XX/XX/XXXX ). I  spoke with several representatives at CONNS when I found this out and they confirmed that this was incorrect reporting ( check all the recordings! ) They instructed I write and fax a letter of explanation and request a correction and I did just that XX/XX/XXXX. 

It took months for me to receive a response that Conns would not correct the error. Therefore, this incorrect reporting has negatively impacted my credit for now 5+ months thus dropping my score considerably and that is unacceptable. We have planned to move our children to another district due to bullying in XX/XX/XXXX but at this rate I couldnt purchase a home, let alone lease a home with this negative reporting so this is beyond stressful. We have to relocate, who's going to accept us with all these 30-day lates?!? My credit worthiness is very important, so I wouldn't haphazardly miss a payment. 

Im disputing the initial 30-day late that was given and request that Conn 's notify the credit agencies to remove it and all the rolling 30-day late that are being reported thereafter based on the following facts : I was given an extension on payment XX/XX/XXXX due to that fact that I had been adversely affected by Hurricane Harvey. I was told that the extension would be for XX/XX/XXXX and XX/XX/XXXX payment and the amount requested and paid on XX/XX/XXXX was {$49.00}. This payment allowed me to enter into the extension agreement and that my next payment would be due in XX/XX/XXXX ( XX/XX/XXXX to be specific ). I made XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$250.00}. It wasn't until XX/XX/XXXX when I checked my credit that I noticed Conns had been reporting me 30-day late for missing XX/XX/XXXX payment. 

I was hard enough to deal with the devastation from Hurricane Harvey and Conn 's not honoring their agreement has only made it worse. I had never had a 30-day late with Conn 's prior to Hurricane Harvey and their promise for an extension.
I graduated in 2013, am unemployed and not able to pay the {$800.00} per month pay back on my loan. I am looking for employment and, the monthly payment is too large for me to be able to pay while covering my living expenses. 

I have repeadetly contacted Wells Fargo for assistance in lowering my monthly payment. I do not qualify for consolidation because of my credit score which was marred by Wells Fargo. In addition, even if they DO offer a consolidation loan, the interest rates are very high and it would not lower the monthly payments. 

It is impossible for me to pay {$800.00} and I am hoping for assistance in renegotiating the loan with a reasonable monthly payment.
XXXX never told me about the Public Service Loan Forgiveness Program. I am a XXXX   and would have been eligible to pay off my student loans in XX/XX/XXXX. In XX/XX/XXXX of last year I would have had 10 years of payments. Instead XXXX kept advising me to put my loan into forbearance. In XX/XX/XXXX I worked with a private company to reduce my loans. They helped sign me up for the income based repayment plan and to consolidate my loans to reduce payment ( I could have done this ALL through XXXX if they had informed me of these programs ). I was told by the private company to keep paying on my loans and that I could apply for the student loan forgiveness program in XX/XX/XXXX when payments would equal the 10 years of repayment-they were the ones that told me about this program NOT XXXX!!! When I applied in XX/XX/XXXX for this forgiveness, I was told that I didn't qualify because my loan was now considered a " new loan '' ( because I had consolidated them in XX/XX/XXXX ) and that I would have to continue to make payments for ANOTHER 8 YEARS!!! My loans are currently being serviced by " XXXX XXXX '' and they also have informed me of my " new loan '' status. This has created a terrible hardship for my family and I. A loan that should have been forgiven last year won't be forgiven for another 7 years because of XXXX not informing me of these federal programs and steering me into the wrong direction. Pleas help me to know what to do. Can this be reversed? Can they be forgiven because of the withholding of information? I have XXXX for 15 years as a XXXX XXXX, worked hard to provide for my family and am being punished for lack of customer support and help ... Please let me know. Thanks so much for your time.
In XX/XX/XXXX we went through a mortgage modification on the term ONLY with XXXX, same origination date, same loan number. The loan originated in XX/XX/XXXX and was for an original amount of {$340000.00}. The modification documents reflect that the ORIGINAL balance was {$340000.00}. From XX/XX/XXXX to XX/XX/XXXX this is what was reflected on all three credit bureau reports ( XXXX/XXXX/Transunion ), an original loan amount of {$340000.00}. As of XX/XX/XXXX XXXX began reporting an original loan balance of {$260000.00} ( the balance at modification ), effectively making it look like we had paid little or nothing toward the principal of the loan and this is impacting our credit scoring for future refinance or other loans. 
In XX/XX/XXXX, I corresponded with XXXX and they refuse to report the data correctly. 
XXXX XXXX servicer guidelines and XXXX XXXX XXXX XXXX both address the correct Original balance amount is the beginning loan amount not the new modified " starting balance ''. Our credit reports/scoring mentioned that the high balance/original loan amount impacts the score.
Today XXXX XXXX, XXXX, I awaken to check my PNC Bank account to find it was overdrawn with an overdraft fee dated XXXX/XXXX/XXXX of {$36.00}. I transferred funds into my account utilizing XXXX ( a bank transfer system that allows you to transfer cash ). When I contacted customer service I was informed my account was overdrawn on XXXX/XXXX/XXXX but I made numerous deposits since the XXXX therefore it does n't justify a fee added to my account 2 days later with a post date of 4 days later. PNC has unethical banking practices, there is no reason a person accounts becomes overdrawn and they are n't provided an opportunity to bring the account current within a reasonable timeframe. I never received an alert from PNC regarding any overdraft and I have proof the electronic transfer was made within the appropriate time. While on the phone with the customer service representative my account went from being negative XXXX on XXXX/XXXX/XXXX as the rep stated to the XXXX not being on the account in total. I would like a full investigation of my account as I believe PNC is not only conducting unethical banking practices but they are also conducting fraudulent banking practices, that allows customer service representative to make changes on customers account.
I wrote a super check off of a credit card for {$9500.00}. My understanding was my monthly payment for the XXXX month special no interest, time period would be a minimum of 1 % per month. If the balance was not paid for at XXXX mo. end period, that rate would of course go up. 
I have called customer service XXXX 3 times. First statement said my monthly due would be well over {$300.00}. The rep told me that was not true, it would be a minimum of 1 % per month. Another rep told me the interest rate was 23 %. Another phone rep told me it was actually 2 % per month. I went to a local branch to speak in person and was told they would help. I requested documentation. After a couple of weeks they sent me a copy of my check which I do not need. I asked for a copy of the original agreement and they said that If I could not provide it, they did not have to. The bank rep said it was my fault. I asked if I could request a copy of my phone conversations from their service phone reps and was told they only do that for big customers. 
Things I was NOT informed of in writing : My first payment was to be the 3 % transfer fee. 
That they can demand different amounts monthly without notification. 
That the entire amount would be due at the end of the special offer. 
These points were defined in my original paperwork, which they refuse to give me a copy of. Last but not least, was the rude way, my bank of many years, Wells Fargo, treated me.
Mariner Finance, f/k/a Personal Finance Company, has ruined my credit reputation and continues to do so. I fell on financial hardship, due to a medical leave in XX/XX/XXXX, which left me in tremendous debt. I was not offered workout options to help alleviate the debt I was accruing. Most lenders were willing to work with me. Instead, I received a complaint from Mariner Finance. The complaint contains the incorrect name and address. I called the attorney 's office in order to work with them, and have made my payments. I have not received merger documentation to prove that Mariner obtained my loan from PFC. I also have not been provided with an itemized statement of the charges on my account. I have been making my payments to the attorney 's office, and yet Mariner Finance continues to call to not only solicit me, but then to ask where my missing payments are. They are not in contact with the attorney that they hired to take the case. They have offered me a chance to refinance my loan with no payments until XX/XX/XXXX in XX/XX/XXXX via phone call, and then took the offer back due to the judgment on my account on the same phone call. Then, proceeded to ask where my payments were. I have made my payments, ON TIME, to the attorney 's office since I signed the agreed judgment. At this time, I am considering counter suing for lack of documentation, and emotional and physical distress. I can provide all money order stubs to prove payments are being made, and where the money is forwarded to. Why hire an attorney if you don't even communicate with them? This has been a very unprofessional experience, and many glimpses of false hope were provided. I do not think they should be soliciting me for a refinance, and trying to collect on a debt within the same phone call. This has been a very frustrating experience, and has left me feeling hopeless. I hope that nobody uses this company for a personal loan, and at all costs, avoid making the same mistake that I did.