WillisBack/dataset-financial-user-claim huggingface dataset:
Experian will not let me dispute my credit report. Just recently there is a company listed on my credit report went out of business because they were ripping of military soldiers. I was one of those military soldiers. The company in question is XXXX XXXX. I just want to be able to dispute this information.
Ocwen is reporting to the XXXX major credit bureaus incorrect and very damaging mis-information. 
We have given them the opportunity to correct their error but we were only met with a standard form letter stating they are correct. We even sent proof from our online account pay history ( which will be included ). 

Specifically, they are reporting to the XXXX big Credit Reporting Agencies that our Mortgage was 180 days late for 7 months, which is absolutely false. From XXXX XXXX until XXXX XXXX they would not accept any regular payments from us. Our mortgage is a VA backed mortgage and during this entire timeframe we were in a " modification '' stage with Ocwen. In this timeframe they sent us several incorrect items of paperwork with little to no instructions. We had these paperwork items signed and notarized each time ( 3 times with about XXXX separating their reponse each time ). It is very clear to us, or anyone that can see the communications between us, that they were intentionally stalling the modification process in order to rack up fees and charges for themselves as well as to apparently ruin our personal credit. 

Ocwen is NOT out to help anyone but themselves! The actions by this company are seriously criminal and should be followed up on in a serious manner!
i have been fighting with bank of america for over 3 1/2 years now and they are playing silly games!!! I recently filed a complaint with CFPB about 75 days ago, and i got a response from CFPB that the bank said i should call them to make a report of fraud, well i had already done this in XX/XX/XXXX, but i figure id try it again, after 10 phone calls i finally was transferred 5 times through all departments [ 45 mins ] to get to the fraud department, and they told me the same thing!!!!!! as XX/XX/XXXX, AFTER ANSWERING ALL THEIR SECURITY QUESTIONS THEY WANTED TO KNOW MY DEBIT CARD NUMBER FROM XX/XX/XXXX OR WOULD NOT PROCESS ANY CLAIM!!! THIS IS TOTALLY STUPID BEYOND MY BELIEF,!!! THEY SAY BECAUSE IT IS A FAILURE TO PROVIDE INFORMATION REQUESTED THEY WILL NOT PROCESS A CLAIM FOR FRAUD??!!! THIS IS CLEARLY CRIMINAL,!!! so lets take a look at this FRAUD, there was a debit purchase made in XX/XX/XXXX at " the battery shop '' for XXXX. at that time the account was closed with a XXXX balance, how could a debit occur when there was a XXXX balance?? they can not answer, furthermore ive been a XXXX all my live and drive a XXXX truck, WHO IN THEIR RIGHT MIND BUYS A XXXX $ $ BATTERY?? not even XXXX, ive sent them a letter asking for validation of debt and CEASE AND DESIST, and they send me back a statement, a statement proves NOTHING!! ive called over 50 times over the past years to experience manipulative un-coroperative, criminal behavior, its a discrace!! furthermore they are in NUMEROUS VIOLATIONS OF FDCPA!!! alledged debt reported inaccuratly, defamation of character, many disputes by me and they fail to show validation, they refuse to correct false information, they still continue to report an unvalidated debt, heres about 6000 $ $ in violations, FURTHERMORE THIS ALLEGED DEBT IS PAST 7 YEARS OLD EFFECTIVE XX/XX/XXXX!!! AND THEY OWE FINES FOR THAT TOO!! THIS BANK OF AMERICA IS NOTHING LESS THAN XXXX CRIMINALS, THEY HAVE ABSOLUTELY NO RESPECT FOR THE LAW OR ANYBODY 'S RIGHTS, THEY ARE TOTALLY WITHIN THE WRONG!!! VERY UNPROFESSIONAL AND NEGLECTFUL IN ALL ASPECTS OF MORALITY AND COMMUNICATION TOTALLY SUCKS!!!!! i can go on and on and on, the total retardation when you call them how many times they play their silly word games and transfer the line when a problem so simple could be solved so easily, they still REFUSE to cooperate and play games > > just like the criminals they are!! so can anyone tell me why after 7 years theyre still reporting an alleged debt??, WHY BANK OF AMERICA IS IN MY LIFE WITH NO VALID CONTRACT?? PLEASE EXPLAIN THIS TO ME, bank of america at least should have been out of my life with this frivolous XXXX on XX/XX/XXXX and they are over months PAST DUE, so they owe me for that violation also, i will continue to complain untill they are gone!!! so to the CFPB, i did call them and try to resolve this matter 4 days ago and they drove me NUTS on the phone and kept requiring me to give them a debit card # from XX/XX/XXXX, this is totally XXXX, nonsence!!!
My XXXX XXXX Credit cards are not populating on my Equifax credit report. I have collection items that are paid but are still showing on my report.
I APPLIED FOR A CREDIT CARD ON OR AROUND XX/XX/2016. I WAS TOLD I WAS APPROVED FOR A CREDIT CARD AND WOULD MUCH LIKE TO DO BUSINESS WITH THIS COMPANY. I HAVE CONTACTED THE COMPANY DIRECTLY AND VERIFIED MY IDENTITY, DUE TO AN ALERT ON MY CREDIT. AS OF XX/XX/2016, I HAVE HAD THE ALERT REMOVED FROM MY CREDIT FILES, TO AVOID ANY HINDERING OF THE APPROVAL OF MY CREDIT CARD APPLICATIONS. I HAVE TRIED CONTACTING THE COMPANY AGAIN OVER THE PHONE, BUT TO NO AVAIL. MY CREDIT SCORE RANGES BETWEEN XXXX AND ABOVE. ONCE AGAIN I HAVE PROVIDED MY PERSONAL INFORMATION, INCLUDING NAME, SS #, DOB, AND ADDRESS, TO THE COMPANY VIA PHONE.
XXXX Account Number XXXX Status Updated XX/XX/XXXX Balance {$620.00} KANSAS COUNSELORS INC Account Number XXXX Status Updated XX/XX/XXXX Balance {$100.00} XXXX XXXX XXXX XXXX Account Number XXXX Status Updated XX/XX/XXXX Balance {$5000.00} XXXX XXXX Account Number XXXX Status Updated XX/XX/XXXX Balance {$7100.00}
I paid of my mortgage loan with PNC Mortgage on XXXX XXXX, 2015. I have contacted them XXXX times requesting the balance in my escrow account. They had taken out XXXX and XXXX pmi insurance and I told them they have to prorate XXXX and they said they would. To date I still have not received a check from them however, I received a letter of denial regarding the prorated amount for the pmi insurance. I contacted the company again today and no supervisor was available they said they would call me back. The correct amount owed to me is XXXX.
on XX/XX/2019 I submitted a complaint with the CFPB asking Orions Management Group , LLC to validate the alleged debt in the amount of {$650.00} that is reflecting as negative against my name and social security number with all three credit reporting agencies. On XX/XX/2019 Orions Management Group , LLC responded to my complaint by stating the debt was indeed valid and belonged to me They responded by saying " Orions Management Group , LLC is licensed in Texas and have attached the proof. I have also attached the proof of the original Loan File when he consumer received the loan. We have not violated the FDCPA in which the allegations are made here. Orions sent the 1st Notice letter by law which a copy will be attached. The Chain of Title is XXXX to XXXX XXXX XXXX to XXXX XXXX XXXX XXXX to Orions Management Group , LLC. We have done everything correct by the FDCPA and FCRA. We own the debt and therefore we are reporting as a collection account. This account will not receive and calls it will remain unpaid in a cease and desist status. If there is any further questions that pertain to the debt I can be reached at directly XXXX XXXX XXXX. '' I received a contract that bared an electronic signature and not my WET signature allegedly obtained through my personal email. I would like to know where exactly the furniture ( sofa ) outlined in the contract with XXXX was delivered to, as I never received the furniture outlined in the contract with XXXX. Although, I have done business with XXXX XXXX, the orginal creditor with which the contract with XXXX was initiated, it was through XXXX XXXX and not XXXX. This account is fraudulent.
Please be advised that I have attempted to resolve this matter with Synchrony Bank, but the Synchrony has been non-responsive and completely ignored any attempts at providing good customer service. I am upset that Synchrony Bank took extreme measures to ruin my credit, including not contacting me regarding the one late payment that I had on my account. 
Currently, my credit report is reflecting one 30-day delinquency for XX/XX/XXXX and one 60-day delinquency for XXXX of XXXX on this account. I am not disputing the late payment in itself, but I am very upset that Synchrony would not take the time to understand my circumstances and assist me with this matter. 
I opened a XXXX  XXXX  XXXX XXXX card in XX/XX/XXXX. I consistently made my minimum payments each month. In XX/XX/XXXX, Synchrony urged me to enroll in paperless billing and I did. I have consistently had both a monthly {$5.00} recurring charge and corresponding {$5.00} auto-draft payment take place on the account with minimal usage otherwise. On XX/XX/XXXX, I made a {$33.00} purchase that I forgot I charged to my XXXX  XXXX account and did not increase my automatic payment to cover this purchase. Synchrony assessed multiple late payments which caused this {$33.00} purchase to grow into a {$140.00} balance. In XX/XX/XXXX, I checked my credit report and only then realized that this account was delinquent. 

Synchrony Bank has all my contact information on file ( address, phone, email ) but never contacted me regarding this past due balance. According to the Synchrony representative that I spoke to, because I was continuing to make a {$5.00} auto payment each month and was therefore making monthly payments, Synchrony had no obligation to send me a notice. 
I immediately called Synchrony customer service line and explained the situation to a supervisor named XXXX in the XXXX, OH call center. She took all my information and promised that I would receive a response within 30 business days. That call took place on XX/XX/XXXX. To this day I have not received any contact or correspondence from Synchrony replying to my inquiry. 
This has ruined my credit and caused me immense mental and physical stress. As a loyal Synchrony customer who paid her bill on time each month, I do not believe that Synchrony should continue to cause me such mental stress and ruin my credit. Lenders such as Synchrony should not be allowed to prey on unsuspecting customers, ruin their credit and then refuse to provide them with good customer service. I request that any outstanding balance be waived and this tradeline either be removed from my credit report or be updated to show as never past due.
On  XXXX   2017  I had requested telephone service at my home address. I was told on serval occasions that my landline service was working on  XXXX   XXXX ,    2017  only to find out that it was n't. A tech called me and left a voicemail advising they needed to get in my residence, because it appeared to be a problem with my wiring. After several days of cat and mouse, not ever being able to set up an app ointment to let tech in. I called and canceled service and was told I would not be billed, because the tech had  canceled the order for service, Now  XXXX   XXXX   XXXX  has sold t o Diversfied Consultant Inc. I d o not owe this debt. The number that given to me was  XXXX . I want this remove from my credit report.
I have tried to get my student loan status updated since XXXX 2015 at which time I was approved for a XXXX Discharge with the Department of Education. I have disputed these accounts with Equifax several times to no avail. They have violated the FCRA by continuing to report inaccurate information on my credit report. I spoke with XXXX XXXX Department and they once again reported my student loan accounts as paid in full on XXXX XXXX, 2015. As to date Equifax has failed to update my credit reports, I am now requesting all student loans on my credit reports to be deleted as they have continued to cause me financial harm by violating the FCRA.
I had fraudulent charges on my credit card after I lost my card. I reported the loss to the Bank by phone and in writing. I did everything required of me pursuant to the Federal Fair Credit Billing Act, and I request that the Bank do the same. It took constant calls to the Bank to investigate the matter. I requested that they produce all the signature receipts to prove the purchases where mine. The Bank finally produced some of the documentation, but not all. The documentation they did produce proved to me that the purchases were not made by me. I communicated these facts to the Bank but the Bank continues to claim that I owe the money. They have to date never produced all the documentation. The Bank 's resolution to the problem was to charge off the amount and report negative information on my credit report.The Bank 's action has prevented me from gaining credit from other sources and is totally contrary to the provisions in the Federal Fair Credit Billing Act. Their action has negatively marked my credit worthiness and reputation.
I have had my current XXXX XXXX XXXX Business Credit Card since XX/XX/XXXX. In the last couple of years I have been having increasing issues with the account being incorrectly put on a fraud hold not allowing me to use the card until I call their fraud protection team to remove it. Each time I spend about 15 minutes on the phone to have them go through a list of charges, which all are valid. In the last 6 months this issue has increased to an average of once every 2 weeks. I have not had an issue like this with any other business or personal credit card before. 

For documentation the most recent times I have had to call in was. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Thanks. 
XXXX XXXX
I had a safe deposit box # XXXX located at the XXXX XXXX MA branch of XXXX XXXX. I mailed the payment on XX/XX/XXXX for the renewal of the box in the amount of {$210.00}. The renewal period was for XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I decided to close out the box I went into the branch emptied the box and returned both keys. The representative that helped me told me that I may be able to get a refund on the fee since the box was closed before the new rental period begins. I could not place a stop payment on the check since it cleared on XX/XX/XXXX. On XX/XX/XXXX I called the XXXX branch and spoke to the manager XXXX XXXX. I explained to him my issue he took my information and said he would get back to me but that " Citizen 's does not like to issue refunds '' but he would see if there was anything he could do and get back to me. Did not ask for my account number or phone number and I haven't heard back from him. I am attaching the Safe Deposit Box Invoice along with the back and front of the check that cleared for this payment.
I filed a FTC identification theft and KY state police report. 
Also a workers comp injury at XXXX XXXX has left me broke. Started w a chapter XXXX as I made about {$1200.00} a week to XXXX as XXXX XXXX Refused ... not realizing it was chronic and deathly, after 6 mths I had to file chapter XXXX. 
XXXX framed me for theft and I caught them and got clear, the identity theft dropped my score 200 points. I had XXXX But XXXX either left portal open .. or XXXX XXXX , of XXXX XXXX XXXX in an attachment on my software update. I have tried, maimed in filed on line 1 ) XXXX XXXX goes to court in XXXX, XXXX They offered , but again This is likely death. 
2 ) XXXX  has bullied me and .... cost me a lot of $ I feel they are part of the id theft which stole XXXX 3 )  XXXX and XXXX recovered 4 ) I go XX/XX/XXXX for my SS XXXX 5 ) my credit is good but I cant get a loan to survive .. Fcc has 15 complaints on XXXX  w evidence. 
6 ) why wont XXXX fixing this? Us XXXX paying them to? Wheres consumers right 1-3 has corrected 7 ) fix now
On XX/XX/XXXX, I sent a wire transfer to Coinbase, Inc to deposit funds into my account. It 's now been over a 12 ( work ) days and the funds still have not been credited to my XXXX account. The transfer should have taken a day, as indicated on their web site. I tried to contact them several times but no response ( except their automated emails ). My Case number is # XXXX.I also checked the wire transfer with their bank ( XXXX XXXX XXXX ) which confirmed me they received the money on XX/XX/XXXX. 
Here 's some info about the wire transfer : Date : XX/XX/XXXX Amount : { {$2000.00} } IMAD : XXXX
All accounts with XXXX should be deleted. I have attached the XXXX forms fro all my XXXX accounts.

By law accounts given XXXX can not be reported on a credit report negatively.

Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCredit Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$10000.00} written off.

Status UpdatedXX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX   Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$7600.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$3500.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX  Account NumberXXXX  Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$26000.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$4900.00} written off.

Status Updated 1XX/XX/XXXX
I have several inquiries on my credit report that are inaccurate, they were disputed and Equifax and XXXX are stating that the information is factual and to contact creditor. I contacted creditor and they state that the inquiry has been removed and it has been sent over to all XXXX credit bureaus, The inquiries are XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Unknown derogatory account has appeared on my credit report by Real Time Resolutions. I have not received any information in regards to validation of this debt. I contacted them and was told I would receive a letter in the mail within 30 days in regards to the claim. I have not received anything 2 years later.
XXXX XXXX has been calling me several times a day from a blocked number. When they call it only shows the number as XXXX. I would n't mind them calling so much, and I would have answered if it had been a real phone number. I finally answered it and they asked for my info so I hung up and called them on their official phone number. They agreed to stop the calls but said nothing about the fake number.
Heard about the current lawsuit and I wish to have a evaluation of what my balance should actually be? I woul also like to make sure the interest rate is correct along with the pay off timeframe.
For my non-qualified pension, in 2014 Wells Fargo took over administration. They insist on withholding Illinois income tax as if these pension payments were " supplementary wages '' and that therefore the standard exemptions are not allowed. In both law and practice, this is incorrect. In law, by all legal definitions these payments are not wages or supplementary wages. In practice, when I fill out my Illinois tax return, I am able to apply my exemptions against these payments since my qualified pension is not taxable. A letter from the XXXX addressed to me states " Wells Fargo is in error '' and that Wells Fargo should provide for exemptions when calculating withholding on these payments. Extensive correspondence with Wells Fargo has reached the stalemate as described above.
On XX/XX/2018 an amount of {$610.00} owed was reported to XXXX   from XXXX XXXX XXXX. The creditor is with Commonwealth Financial Systems. I am unaware of this charge or amount owed. It is an unknown provider and unknown service.
Despite several attempts to have Wells XXXX remove inaccurate information listed below from my credit report it still remain in violation of the far credit reporting act.
First Continental and XXXXXXXX XXXX sold XXXX XXXX fraud, corrupted and scandal VA Loan to XXXX XXXX to collect and foreclose my home. 
In which on XX/XX/XXXX till present VA Loan is a fraud in which First Continental was notified and they still accepted the fraud, Scandal and corrupted VA Loan from XXXXXXXX XXXX of Texas on XX/XX/XXXX. 

First XXXX XXXX investors is trying to collect {$260000.00} from me, because Texas collection Laws defends and supports billionaires lenders like XXXX XXXX. 

If lender wants to settle and get the house back, they can just provide me what I have stated on various file complaints. 
XXXX XXXX, XXXX XXXX builders, First Continental Mortgage and now new Va lender XXXX XXXX XXXX are are Discriminating, Retaliating and Harrassing me because of my Military Veteran and XXXX status. 
I am XXXX, Retired .Divorced since XXXX and I leave alone in my home since XX/XX/XXXX till Present.
I contacted Equifax to dispute a collection item listed on my credit from XXXX XXXX XXXX XXXX. Equifax clearly has not validated this item with XXXX XXXX XXXX XXXX who has not provide me with any documentation showing that I was supposedly admitted to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. I called and spoke with representative from XXXX XXXX XXXX today XXXX/XXXX/XXXX who advice me that it is not XXXX XXXX XXXX responsibility or job to validate debt. Representative informed me it is the responsibility of Equifax to investigate item and determine whether or not debt reporting is accurate. I would appreciate if Equifax would do their job properly to truly investigate this item thoroughly. Neither Equifax or XXXX XXXX XXXX have mail to me any documentation to validate this debt. The representatives from XXXX XXXX know that Equifax or other collection agencies are not going to make them validate item and just wait out the 30 or 60 days required by Federal law to investigate disputes such as mine or just tell Equifax the item is valid if they just simply verify my social security number and/or address without providing any additional documentation to validate debit
On XX/XX/XXXX I pulled up my credit report XXXX TransUnion, I pay XXXX a month so I can do this. My credit score was XXXX then. On XX/XX/XXXX I pull it up again and my credit score is XXXX. 
At XXXX I called Transunion to find out why my score was down XXXX points. I was asked '' which apatment number is yours? '' I OWN my house, since XX/XX/XXXX, I do not live in apartment. XXXX said I did and I would have to prove I own my house. I told them to look on report and it says my mortgage company. They said I had to get letter from mortgage company saying it is a house. Then they said I had a delenquent account from over four years ago and that would bring my score down. I told them it was from four and half years ago that should not have brought it down in the past few days. They refused to check on this. They also said I need to prove I own a home, with XXXX different mortgage companies because I refinaced it over a year ago. They also refuse to add a credit card that I have had for over 22 years now- -saying, after the bank even sent XXXX letters verifying this, that I do not have this account. I have wrtten about this charge card XXXX times, called XXXX times, bank has sent XXXX letters. 
I can not get them to understand a single thing. I still do not know why I lost XXXX points in just a few days. Nothing is past due except the account that is over XXXX years old. XXXX guy flat refuse to do anything ( talked to XXXX people including supervisor ) because it went back to " you live in apartment ''. Please help me here, please. TransUnion is the ONLY agency that has my credit all messed up. I finally ended the phone call at XXXX AM- -the whole time they would nto do XXXX thing except refuse to add credit card I have had 22 years and refused to know I own a home, that I do XXXX live in apartment- -which is stupid, it shows on my credit report of home mortgage. I need HELP, please. I have worked hard to get my credfit pass XXXX.