WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX has been reporting my account as late for over 90 days, back in XXXX I contacted them about my name change. They lost my files and never changed my name, from my marital last name to my maiden name. In XXXX my family went through a hard time and I contacted a debt management XXXX to help make sure that everyone still received payments including XXXX. XXXX denied my request yet accepted the payment from the debt management claiming that the last names did not match, however reported me to the credit bureau as late 30 day. I called to find out why were they able to accept a payment under a different last name same social security number but deny a proposal based on last name which i submitted back in XXXX. They reported through social which is on a totally different last name. Every month they received a payment from the XXXX XXXX company yet report me as being late for XXXX days, ruining my credit significantly. I contacted them only to be rudely answered by customer service. I am in the process of buying a house and they are the only company who have significantly ruined my credit with the late payments. I have stayed in constant contact with XXXX never missed a payment to the day that my family went into financial difficulty and still i ensured that they received a payment.
Equifax is refusing to investigate, verify and remove accounts from my credit report that do not belong to me.
To whom it may concern, I try to access a free credit report through this website that advertise that I would be able to obtain my credit score without any cost : XXXX I feel that the credit reporting agencies deceive the user in that once you submit your information and then click to see the credit score Im prompted by their system in that I must pay in order to purchase my free report? I feel this is very unfair and is deceiving. 

Furthermore, the site is so complex and unclear that it is not possible to view the simple task of showing the credit score. 

Thank you for your help! 

XXXX XXXX
I am trying to obtain a short sale approval from Astoria Bank - they ( Astoria ) demanded that they have short sale approval from all junior liens BEFORE they would even consider a short sale. I pressured the junior lien holder XXXX XXXX XXXX XXXX for their approval - which was granted on XX/XX/XXXX17. I am not being told that this file will take at least another 30 days for Astoria to review and consider for a short sale. It has been almost 2 months since XXXX XXXX approved the short sale - and Astoria is telling me it will be at least another 30 days before they will have a response. Can this be escalated???
keyBank has been charging me overdraft fees stay in that I am transferring funds from account to account within the same bank reflecting that I had the money would be in the account I when I transfer it says that is available and then they would apply overdraft fees they in that the account was not accurate continuously hitting people with overdraft obsessively their system is not up-to-date and give an accurate information I opt out for not to have the overdraft fees stay in if the money if the monies not in the XXXX do n't let the transaction go through I feel like KeyBank is has figured out a way around the government new law to charge customers overdraft fees and fees and so on
XXXX   XXXX  Credit Card is reporting incorrect contact information on all  XXXX  CRA 's. Dispute letter mailed to  XXXX   XXXX  at the address listed on all   XXXX   reports  XX/XX/17   . This letter was returned " un-deliverable ''   XX/XX/17 .   Photo  copies of the letter showing the United States postal service could not deliver the letter along with a letter requesting the information be removed due to inaccurate reporting to all   XXXX    bureaus Equifax,  XXXX , and  XXXX  on  XX/XX/17   . All  XXXX  have responded as "  Verifed  '' account information yet all   XXXX   still list the incorrect mailing address for this account.  XXXX   XXXX  sent me a letter with their correct address in the return section of this letter. Due to the inaccurate reporting of  XXXX   XXXX  and the CRA 's this account needs to be removed from my report.
Equifax is re-reporting a previously removed fraudulent collection account that was a result of identity theft. The account listed under XXXX XXXX XXXX was removed in XX/XX/XXXX, However, Equifax re-reported it in XX/XX/XXXX without notifying me. This is a clearly violation of the FCRA as they are not supposed to re-report a previously removed account without notifying me which they did not do. 
In addition, there customer service representatives were of no assistance and did not care that the account had already been removed.
I, XXXX XXXX, have reviewed my credit report multiple times. I have called/emailed the collections agency, Armada, about medical debt that should not exist on my report, as I was insured through the state of Washington, and was previously XXXX inXX/XX/XXXX. However, I did not realize that debts from years ago could be disputed. I had n't checked my credit until after I moved to Pennsylvania. I received no notices from Armada, or from the original creditor ( XXXX XXXX Clinic ) about my medical debt, which is roughly {$1800.00} or more, reported last on XX/XX/XXXX.
I tried calling Armada inXX/XX/XXXX, but the number was no longer in use. It says on their website that they still use the same number. I tried to contact them via online form inXX/XX/XXXXproviding my name, my debts, my email, and my phone number. I have not heard back. I tried to contact them again on XX/XX/XXXX, after being turned down for a loan. I still have not heard back.
Those charges on my credit report should not be on there, but I was unable to dispute it due to the identity verification process. I chose answers from " none of the above, '' because I did n't recognize any of the information - a red flag that identity theft may have occurred, or is still occurring. Regardless, if I can not reach the representatives at the XXXX XXXX XXXX to resolve the issue, then I should not be penalized, nor should my credit score suffer, as well. I have tried contacting them, but I receive no attempt to communicate on their behalf.
Please reach me at XXXX and leave a detailed message on how I can return your call. I do not answer numbers I do not recognize, especially XXXX numbers. If you leave a message, I will call back, but if you do n't, there 's a good chance that you wo n't be able to reach me. Thank you for your time and patience.
In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was XXXX. Upon checking my credit report, I discovered that Experian is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing XXXX accounts, on the summary page of my credit report, that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a XXXX account. XXXX accounts can NOT be late-ever. 

Section XXXX of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been XXXX in a bankruptcy as " bad debt of late '' if the account was open and not XXXX off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A XXXX DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. They have interfered with me being approved for credit. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision what was unavoidable. 


Under the NOTES section of my credit report, XXXX added derogatory notations about my address for which I never gave them permission to do add. They have damaged my credit report with reporting XXXX accounts as LATE PAYMENT AND they furthered added insult to injury by reporting my address, that I have used for over 7 years, as a " high risk '' address. '' I do not understand WHY this company feels so free to report ANYTHING on my account without fear of repercussions. These blatant VIOLATIONS MUST STOP.
I have written/se nt 3 certified letters to Transunion and   XXXX   on 3 s eparate occasions to dispute an inaccurate Public Record/US BKPT CT GA that is being reported on my credit report. In my letters, I requested TransUnion and  XXXX  provide me with any and all information that proves/verifies this information belongs to me if the inaccurate  Public Record was not removed. The only information I received after multiple requests for removal of the inaccurate Public Record is an updated credit report stating that the item in question was verified or verified as accurate. I have never received any supporting documentation on how they verified and came to this conclusion.  I feel that MY RIGHTS have been violated as a consumer and I am requesting your assistance with this matter to have this inaccurate Public Record/US BKPT CT GA removed from my report.
My wife and I decided to build a house with Pulte and were happy with the overall service until they started to aggressively push their mortgage company on us. We were not provided with a rate until XX/XX/18 when we had a closing date of XX/XX/18. Additionally, our other lender had a much lower rate so we informed Pulte we were going with the other lender. Pulte came back and matched the rate, but the other lender ended up matching the closing cost credits Pulte offered so we informed Pulte we would not be going with Pulte as our lender.

After the back and forth, I had finally told Pulte on XX/XX/18 that we would be going with the other lender. I received several voicemails from the Pulte lender telling me it was a mistake and there was a contingent amount related to sales incentives that would be added to the home price if we didn't use Pulte. This clause was added in the agreement ; however, they did not mention it when purchasing the house and no mention of the {$4100.00} additional " discount '' was related in the price of the house. The lender paid closing way clearly separated from the final price of the home in the billing summary but there is no mention at all of the {$4100.00} being contingent. 

Pulte then sent me a text message on XX/XX/2018 ( 8 days before closing ) telling me the purchase price of the house would be increased by the {$4100.00}. This is so late that the other lending company had of course already finished the loan approval process. Pulte then didn't send a " change order '' until XX/XX/18 which then showed the {$4100.00} as being contingent in the billing summary when it previously was nowhere to be found. 

Pulte has also continued to process my loan and says it will be ready at closing if we choose them even though we told them we will not use them. Furthermore, they repeatedly called my new employer and were aggressive in their dealing with HR as they gave me a call asking if everything was okay. They have been aggressive and sketchy and tried to coerce us into using their lending company.
I AM NOT ENTIRELY SURE WHO THESE PEOPLE ARE AND WHY THEY KEEP CALLING ME ALL THE TIME. I HAVE NEVER BEEN BEHIND ON ANY OF MY ACCOUNTS.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Every time I want to go into forbearance on my loans with Navient, I have to pay {$150.00} each time and thats only good for 3 months. Also if I want to try to do a plan since I am unemployed they just say my option is just to pay the {$150.00}.
GE Capital called XXXX times between XXXX/XXXX/15 and XXXX/XXXX/15 about my Sam 's club credit card. My hours were cut at work from XXXX to XXXX per week so my XX/XX/XXXX payment I could only pay them {$100.00} instead of {$180.00}. The XXXX times they called they wanted the other {$83.00} even though I told them my hours had been cut and this was all I could afford. They conyinued to call stating they were tacking on late fees until I finally blocked the calls on my phone. I believe this is harassment. I 'm sorry I ever got an account with them. I have n't used the card in over 3 years and all it does is go up. When I reached the limit I stopped using it and all they did wa tack on more fees and a high interest rate.
My name is XXXX XXXX XXXX. From XX/XX/XXXX until XX/XX/XXXX I resided at an apartment complex run by XXXX called the XXXX in XXXX XXXX. My rent was always paid on time and I never had a complaint lodged against me as a tenant. I gave the required 30 day notice of intent to leave on XX/XX/XXXX in order to attend XXXX in XXXX in XX/XX/XXXX. On XXXX XXXX, I turned in my keys and gate card to the office and they issued me a release from any further contract obligation. A month later, the complex emailed me a bill for {$230.00} to paint the unit and empty garbage that was in the garage ( this was not emptied because the maintenance man was in a hurry to leave for the day and I had to give him the remaining key to the garage very quickly and forgot to take the garbage out before the garage door closed. The walls of the unit were patched and repainted the same white shade of paint before I left ( I borrowed paint from Maintenance ). The carpet was shampooed ( although, after 12 years, it usually would be replaced, but I take my shoes off at the door ). The new tenant moved in two days after we vacated. The credit bureau has a company called Fair Collections and Outsourcing - FCO that is reporting that I owe XXXX {$480.00} dollars ; I contacted XXXX and questioned their bill for {$230.00}. Their bill negates a deal that tenants got for 10 % of each monthly rent applied to a pot of money to be applied to closing costs for the purchase of a new home with certain builders ( {$120.00} x XXXX x XXXX = {$17000.00} ). FCO has refused to detail their bill with me and refused to remove it from my credit bureau for the last two years despite the difference of {$250.00} between their bill and that of XXXX. I continue to dispute this on all XXXX credit bureaus and they continue to tell me that it is a valid bill despite the fact that I have never seen the bill for {$480.00} and they are refusing to send to it me. Yesterday, I called FCO and offered to pay the {$480.00} in full if they would just remove the charge from my credit after I pay it ; they refused to do this. I have attempted to call XXXX and their XXXX offices do not answer the phones ( automated to voice mail ). In the meantime, the XXXX was sold to a different company ; XXXX appears to be having problems with their XXXX rental properties.There were days in this unit where I went without AC in the middle of the summer for several days, but I did not ask for a rent reduction. There was an incident where the complex allowed a moving XXXX to park next to my vehicle and the XXXX company side swiped my car. When I reported this to the office staff at the XXXX, they refused to give me the name of the owner of the moving XXXX to place a claim - damages to my car were {$490.00}. I did not make an big magilla over these issues because I knew it would not be resolved and would only cause hard feelings for the time I rented there. Now I am very upset about what has happened to my credit on this and am frustrated that FCO will not even give me a copy of their bill from XXXX that they are reporting as delinquent for me.
I recently pulled my credit report and reached out to both the credit bureau and Capital Accts. to dispute all accounts with this fraudulent company that has reported accounts. I 've asked for documentation to validate debt and they provided me with an out-of-date scanned image of something from XXXX/XXXX/XXXX. They failed to provide me with an up-to-date copy of said debt. If such debt is owed, it was sold by the original creditor who did not inform me of a debt or ask my permission to sell any of my medical information. This is clearly a violation of my ( HIPPA RIGHTS ) by both the medical office and third party. I 've asked for the following from this company : a copy of my signature with the provider of service to release my medical information and for them to stop reporting to the credit bureau until the debt has been validated by me. I have not received any documentation from neither company to release any medical information about me or giving permission to sale any of my information to collect on a balance I 'm unable to verify with XXXX XXXX XXXX. In addition, because the original creditor sold my information, I am no longer responsible to pay due to " NO CONTRACT/CONTRACT IS CANCELLED. '' Also, I have not received any letters that I owed a debt to even dispute the debt from neither company. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy, medical and dental records from third parties. Capital Accts. has withheld information and refuse to provide me with what I asked in my written request to them and the credit bureau. This is currently affecting my credit as I am trying to purchase a home. 

In addition,. I 've recently tried to contact this business about the account to verify and have been unsuccessful. This account is 4 years old and neither XXXX XXXX care or said collection agency has reached out. This is a third-party with my personal information and if said account is valid, which again I ca n't prove because XXXX XXXX care has failed to reach back out to validate the debt. I have asked that they please stop reporting to the credit bureau and remove account due to " NO CONTRACT/CONTRACT CANCELLED. '' Amount Owed : {$170.00}, which includes {$50.00} in accrued interest ( According to the collection agency ).
I received a Care Credit Card for medical use with a limit of {$2500.00}. I was never informed that my credit limit would decrease to {$1000.00} - I found out by looking at my card info via the Care Credit App on my mobile device. I then contacted XXXX XXXX and was told about no longer having a {$2500.00} limit, it now shows only {$200.00} limit. 

I believe Care Credit is unprofessional with their tactics on reducing your credit limit without informing the customer with a reasoning.
The company formally known as Greentree Servicing LLC, now Ditech Financial, has sent information to XXXX stating that I am late on payments. The account they are alleging is late in payments was closed in 2013 after successful short sale. They sent me notification previously, which I will provide you, stating my account was paid in full and the deficiency was waived. They fraudulently reopened this account previously, damaging my credit score at the time, after which I contacted the CFPB and you ( the CFPB ) were able to contact them and have them send me notification of their erroneous re-opening of my closed account. This should have been an apology, but I accepted their acknowledgement of their error expecting the matter was resolved. Now, again, under the name Ditech Financial ( Formerly Greentree ), they have again fraudulently reopened an account and have sent this erroneous information to XXXX Credit Bureau and are claiming fraudulently that I owe over XXXX dollars to them. 

This is very stressful since they did this to me once previously and now are trying to do it again. I would want them prosecuted and punished to the full extent of the law. They have disrupted my life and caused undue stress and hardship emotionally due to their irresponsible, fraudulent, libelous behavior. Please help me to resolve this again as you did before. I will attach the necessary documents so you can clearly see what they have done. Thank you for your help.
I have applied and began the process of Public Service Loan Forgiveness ( PSLF ). XXXX XXXX   is my payment servicing provider. I have made 18 payments according to my Income Driven Repayment ( IDR ) plan. However, XXXX 's records show that I only have 1 payment towards my 120 payments that are required for loan forgiveness. XXXX says that I was in some form of either forbearance or deferment and failed to count payments that I had been making since XX/XX/2016. Their reason for placing me in deferment was due to " we changed a deferment or forbearance that was previously applied to your loans because we received updated enrollment information. '' They placed me into deferment because I enrolled into University of XXXX XXXX XXXX night program. They did not gain my explicit permission to place me into deferment/forbearance. Their actions cost me numerous months off of my journey to loan forgiveness.
XXXX changed our mobile plan 2 year plan to the Next plan without our authorizations, which caused us to be responsible for the cost of the phone should we want to upgrade or cancel our service.
I 've completed a dispute on Equifax 's website and their website tells me the system accepted my message. However, I never get an email or postal mail in regard to the dispute filed. Thier technology is like dealing with a VCR that ate my tape. It 's old outdated and I hope legislation steps in to change this company and the industry. These companies are not set up for the consumer. They are set up to help keep the banks and finance companies in business.
I applied for a loan modification. In response to CFPB Case number : XXXX, Bank of America representative XXXX XXXX requested that I submit a Form XXXX On XXXX XXXX, 2016, I submitted a Form XXXX to Bank of America and XXXX XXXX XXXX XXXX XXXX then requested that I submit a letter of explanation of monthly expenses. On XXXX XXXX, 2016, I submitted a letter of explanation of monthly expenses to Bank of America and XXXX XXXX. On XXXX XXXX, 2016, XXXX XXXX requested that I submit a letter of explanation of additional monthly expenses, a letter of explanation for business income, and a letter of explanation for retirement income. On XXXX XXXX, 2016, I submitted a letter of explanation of additional monthly expenses, a letter of explanation for business income, and a letter of explanation for IRA income to Bank of America and XXXX XXXX. On XXXX XXXX, 2016, I received a letter from Bank of America dated XXXX XXXX, 2016, asking for the same documents that I had previously submitted : a Form XXXX, a letter of explanation of monthly expenses, and a letter of explanation for retirement income.
A kross, Lieberman & Stone representative, XXXX XXXX, initiating contact about a debt their company is attempting to collect on XXXX XXXX, 2015. XXXX XXXX identified the debt as XXXX XXXX XXXX. On that day, I informed XXXX XXXX not to contact me at my place of employment ; and that the debt is being disputed. XXXX XXXX, the representative the company refused to give me her information, spoke in a threatening and belittling manner. She contacted me by phone again on XXXX XXXX, 2015, at my place of employment. The agent, XXXX XXXX, was again instructed not to contact me at my place of employment. XXXX XXXX then proceeded to call back an additional time on XXXX XXXX, 2015, and requested my employers fax number. XXXX XXXX later proceeded to contact my office yet again by faxing over an employment verification request, which I did not authorize. The request revealed my entire Social Security number and personal information. The harassment needs to cease immediately. 
I 've requested the company to stop all communication with me and with this address and any phone numbers you have listed in regards to this debt. The lack of professionalism and harassment XXXX XXXX displayed on the phone is the reason I am filing this complaint. 
I also requested that the comapnys records reflect that I have disputed having any obligation for this debt. If they forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.