WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX and XXXX XXXX Accounts have been removed from both XXXX and XXXX  through disputes where all three agencies recieved identical information. After the first dispute XXXX waived the account balance which Equifax complied with yet they have erroneously re-instated the balance on their own accord. And have yet to remove XXXX XXXX or XXXXXXXX XXXX   account or I will be forced to take legal action against them for violating the FCRA.
direct express wo n't send me a replacement card for my expired card. My calls to them have resulted in no human voice contact, no automated venue to fix this problem. When I have almost got to a real person, they hang up.
I have mail my driving license, social, bill statement to Experian, XXXX, XXXX and they still have not correct my address. There should be only one address on my credit report.
Having problems undersatanding why my credit score wont reach XXXX after twenty years of services.
I purchased a home inXX/XX/2017 using a reverse mortgage. I took $ XXXX of my own cash money to put aside for the taxes and insurance to ensure that these items would be paid in my older years. I since had to sell that property because I need my children to help me and they live in and close to XXXX XXXX. This money came from the sale of the house my husband and I shared for 45 years. I called AAG regarding the refund of this money that I set aside to pay taxes and was told since I sold the house, the money disappears. 

I tried explaining that this is not a typical set aside. This money was not a part of any loan proceeds. This is my money that they were holding for taxes and insurance. Once the house is sold, I am supposed to be entitled to that money back. The manager refuses to return my calls, and the representatives keep telling me that the money I put in disappears. 

They are scamming old people to steal their money.
The initial loan amount borrowed by me on XX/XX/2007 was {$7800.00} to pay for school expenses while I was pursing by XXXX at University XXXX XXXX  XXXX County. The lender was Sallie Mae and this debt was transferred over automatically to Navient. ( without me doing anything ). I was told Navient would be serving my loan going forward. 

It's my understanding I signed up for fixed rate of anywhere from 6.75 % to 7 % originally with Sallie Mae. I was told I would get a .25 reduction interest rate if I signed up for autopay. This never happened and I called Navient but they said it was already applied. ( not true ). In fact, they decided to increase my interest rate to 9.25 % stating that I signed up for a variable rate. I am not too sure about this and complained to Navient. They said they looked at my agreement ( which I don't have a copy of anymore ) and it's a variable rate. I am pretty confident I never signed up for a variable rate.

Further, I have paid close to {$7900.00} over 7 years and my loan balance is still {$8300.00} roughly. That simply doesn't make sense. How can {$7900.00} worth of payments not make a single dent to the loan balance? Instead, my present balance is {$8300.00}. Things didn't make any sense so I refinanced with a new lender named XXXX. However, I think the damage has already been done by Navient. Can you please investigate to make sure I'm not a victim of predatory lending?
In XXXX I called this company to find out what was the debt on these three accounts. One was {$770.00}, {$2500.00}, and {$2400.00}. XXXX XXXX I paid two of the accounts and explained to them that one of the accounts I did n't have. I paid the {$770.00} and XXXX. The agreement was to pay the accounts and they would be removed. In XXXX I called Portfolio Recovery Associates, LLC to inform them that the accounts still were showing on my credit report. About two days later I received a letter on one of the account saying they were deleting one of the accounts. I waited two more months and went to apply for a home loan and found out all the accounts were still showing. I 'm in the process of trying to get a home for my XXXX XXXX sons and due to their condition we have to have a lot of modification to the house.
XXXX XXXX with Premium Receivables LLC continues to call my job after I 've asked him not to, he also calls my family members stating he 's trying to locate me to have me served with papers regarding a civil case. He is very rude and unprofessional, I can not get a word in because he talks over me. I get stressed every time he calls especially when he calls my job, I 've worried I may get fired because he continues to call.
Midland Credit Management , Inc. To Whom It May Concern, Per your web site, you report that any account more than 2 years old based on the time since last delinquency, you stop reporting to the Credit Bureaus. The account you have claim I owe {$1800.00} and last delinquency reported XXXX XXXX, XXXX, yet you still are reporting it. I have disputed this with you on multiple occasions and to provide me a signature of proof that this is indeed my account. Your company did not reply in a timely manner to multiple letters I sent and which you signed for, on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. By not replying in a timely manner to my initial letter you signed for on XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
My payments are being made as they wised. I only owe a little over 1000k $ left on a reposessed car and they are calling nonstop to get even more money out of me and calling family members of mine.
The company specialized loan servicer replied that they have obtained my mortgage but they have not -it was charge off ( dismissal ) they may act as loan servicers but they are also junk debt collectors -. The information of even amount is incorrect. They have started taping little notes to my door stating a field inspector came today with the amount of {$110.00}. The document they sent states {$11.00}. They sent me loan papers to get a loan with them but they are trying to obtain my mortgage -that is gone. This company is trying to get money/my home by using every tactic they can -they are trying to foreclose. This company may act as a servicer but they are doing very illegal/fraudulent acts. This is a total unfair/unjust practice. They are not my lender/servicer. Through researching this company should be shut down. There are so complaints of real unjust illegal practices. My resolution is for this company to stop the harassment. 
Please help me with this horiible company. I have been forced to deal w/them due to the harassment. This company is getting by with all they are doing to consumers because no one in authority is stopping them. 
Sincerely XXXX
I did business with XXXX XXXX and charged it to my Bank of America credit card. They added a second charge for {$920.00} that I did not authorize or even tell me about. The charge is for towing my vehicle and is for {$920.00}. If they had approached me with this amount I would obviously have denied it as it is not only my responsibility but completely exorbitant. 
I reported this to the credit card company and they say that the charge is to a third party, because my insurance coverage with " XXXX XXXX '' was supposed to pay it, but XXXX XXXX would not pay it because they said it was not authorized because of the high price. I would have told XXXX XXXX the same thing IF they had contacted me and told me they were going to charge me that amount for towing. 
The bottom line is I NEVER authorized XXXX XXXX to make this charge to my account. I was never even informed by XXXX XXXX that they were going to charge my account. Merchants are not allowed to add charges to a credit card " just because they want to '' without the consent of the credit card owner.
Please see attached document Requesting redisclosure of loan with end date of XXXX 2025. This should reduce monthly payment amount to compensate for Navient 's deletion of my paid ahead status. 

My primary stated complaint was as follows : I have responsibly paid ahead on my loans to build a financial cushion should circumstances, such as maternity leave, create a burden in which I may not be able to make the monthly payment amount. The purpose is to avoid forbearance or potential missed payments, which would negatively affect a borrowers credit score. Navients policy has communicated that any overpayments would be applied as paid ahead status, but now states that my paid ahead status has been erased, and my security against financial hardship has been eliminated as loan payments may not be temporarily suspended.
Navients response : As the interest rate changes, we disclose the loan to repay the loan within the remaining terms while maintaining the minimum required monthly payment. When your loan discloses due to an adjustment in interest rate, any months that you are paid ahead will be erased.
In comparing Navients response to the posted payment policy, erasing my paid ahead status because Navient has changed my interest rate is a deceptive practice with potential financial harm to a responsible borrower. I have been making overpayments for years, building my paid ahead status in case of future financial burden. Navient has erased the cushion I responsibly built. Additionally, Navient policy states that overpayment is applied to future payments unless expli
citly stated in written communication to apply the extra payment to the principle. Yet Navient does not inform a borrower in writing that they may erase this paid ahead status at anytime.
I recently review my Experian report to find the same collection agency whom did not verify debt in first instance and deleted back on my report. Experian did not provide any notice of this reinsertion and did not provide notice it was deleted. The initial deletion was on XXXX XXXX, 2016 and reinserted in XXXX 2016.
My name is XXXX XXXX and I 'm reaching out because of my credit that is flagged with the credit bureaus from XXXX. I have switched to XXXX XXXX XXXX XXXX for a prepaid no-contract phone service only with XXXX and paid my first bill on XXXX XXXX XXXX and then I have switched to XXXX on XXXX XXXX XXXX after I have paid the month of service which is XXXX. Therefore, XXXX tried to bill me for a month that I did not have phone service for, instead I 've had phone service with XXXX. I have uploaded two pdf documents one is the bill summary from XXXX and the second one is the receipt from XXXX when I 've switched. 
Please feel free to reach out for any questions or concerns. 
Thanks. 

Best, XXXX
I had a man, XXXX XXXX XXXX, living in my home for approximately 9 months beginning in XXXX and ending in XXXX of 2018. He had access to all my personal information including my drivers license, brith certificate, social security number, my two sons social security numbers, and my grandsons social security number, and all my banking information including accounts and debit cards. Prior to leaving my home he put my name on a business account that he had with Bank of America and handed me a debit card listing me as his employee and I refused to accept this card. I never signed any documents with Bank of America. I live in XXXX Texas and I am a XXXX and XXXX XXXX/XXXX and I receive a large sum of royalty payments from XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX which are all companies in the oil and gas industry. Recently I stopped receiving checks from them and I was concerned that he could possibly have the royalties deposited into his account that he put my name on. Today I called Bank of America but I was unable to obtain information from them. The reason that Bank of America gave me was because they would ha e to speak with the account holder. This man has a history of serious XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX. He also has stolen my laptop and he had my cell phone tapped. This man is planning on doing something very bad and I want to prevent that. I have closed all my bank accounts and opened new ones, changed most of my passwords, monitored my credit regularly, called all the companies that I receive royalties from, and even notified my post office.
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX XXXX
On XX/XX/2009 I defaulted on a mortgage loan number XXXX. On XX/XX/2009 a fourclosure complaint was filed. The property than went to final judgement and the house was actioned off. The original servcer of the loan was XXXX Mortgage, Than the servicer was switched to Countrywide home loans and than to Bank of American N.A. I defaulted on this loan well over 7 years ago. Bank of America is still reporting this negative information on all XXXX of my credit reports. This are reporting complete different time dates and defaults on each credit report. Basiclly they have no idea when the default accured because the loan was transfered so many times. Attached is proof that tha default accured over 7 years ago. You can clearly see this on older credit reports i have also inclosed,
This complaint is against Equifax. Equifax has been notified on 7 different occasions from myself and the better business bureau along with complaints with the CFPB concerning this wrongful account. Equifax has been given a hard copy of proof that this account is not mine, as i have done the work for them as they seem to not be able to handle such and use something called XXXX to verify accounts, instead of actual manual look up by a real employee of Equifax. I do not appreciate the defamation that Equifax has put on my personal information, and regarding their careless ways my information was stolen from their servers, now i must freeze my credit accounts and have placed fraud alerts on them. 
I do know by law and under the FDCRA, I will be awarded {$1000.00} for each wrongful mark that Equifax has placed on my report and this account is showing duplicate, that will equal out to {$2000.00} USD that I will be awarded. I will continue with the representation of a attorney if this account with the attached account number is not removed immediately from my file, as I have given enough proof with certified receipts and documents to Equifax and they continue to ignore this situation. This account is NOT MINE & NEVER HAS BEEN! XXXX
Referencing my past case XXXX The company is named Account Discovery Systems. They had impersonated a federal attorney, threatened to " serve me papers '', and contact my family members in another state to discuss my debt. They used the phone number XXXX on XX/XX/XXXX in an attempt to collect this debt. I told them they could just go ahead and serve me papers if they were really a federal attorney. Today on XX/XX/XXXX, I went around contacting my old creditors to pay off my bad debt, I only had one bad debt left to pay, and I found out it was bought by a company who then used Account Discovery Systems debt collection service, which is how I've deduced that they are the company responsible for these illegal actions, to collect this debt. The account is paid off in full, and I have receipts. However, they need to be held accountable by a court of law for their illegal actions in trying to collect this debt. 

accountdiscoverysystems.com
XXXX XXXX XXXX sent an account balance that is not over due to Valley Collection Service XXXX LLC. I have never been told that I had to pay this amount of money to the court. I do not even live in the town limits or do I due business in this town of XXXX where the Court is located. The information that I have is account number XXXX Reference Number : XXXX ... .. Does the court have authorized to send my information without my consent ...?
Reporting on my credit report when ex wife took over the debt in divorce decree. Needs removed from my credit report as it is not my debt.
I have gone back and forth with this company about fraud accounts in my name, and it force be to file for Bankruptcy to try to clear this matter ... ....
This dispute involves an instance of check fraud perpetrated on my personal checking account with Chase bank. XXXX XXXX XXXX was also involved, but has been very cooperative and I have no complaint against XXXX XXXX XXXX. 

Background : Someone had stolen an envelope from the mail containing two checks, dated XX/XX/XXXX, which I had mailed to my landlady on XX/XX/XXXX. One check was from my XXXX XXXX checking account, and the other check was from my Chase bank checking account. The individual who stole the checks, altered the payee name on both of the checks ( which was very obvious ) and either cashed or deposited the checks into their bank account, and, thereby, fraudulently collected the money from both of my personal checking accounts. 

The amount of the XXXX XXXX check was {$850.00}, and the amount of the Chase bank check was {$1700.00}. Both checks were cleared by both banks on XX/XX/XXXX. 

On XX/XX/XXXX, I realized what had happened and immediately reported the fraud to both XXXX XXXX and Chase bank. I submitted a notarized affidavit as required by Chase bank, and attached all of the relevant documentation to aid them in their investigation. 

XXXX XXXX XXXX took my information over the telephone and assured me that my money was insured, and that I would receive my money back if they determined this was a legitimate case of check fraud. XXXX XXXX has now concluded its investigation and will be returning the {$850.00} to me. 

Chase bank has told me that they are continuing their investigation, which can take from 30 to 60 days and could not guarantee that I will receive my money back. This is not acceptable to me. This was their negligence in allowing an altered check to go through my personal checking account thereby causing the theft of {$1700.00} from my personal checking account, and this is the reason I am lodging this complaint against Chase bank.
On XXXX/XXXX/XXXX I lost my debit card and drivers license. A week later I noticed activity on my account. I went to my bank and they filed a claim for me, cancelled my debit card and ordered me a new XXXX. On XXXX/XXXX/XXXX, I received XXXX letters stating that they had completed their investigation and the charges were valid. I called customer service and what an ordeal that was!! I was transferred around and back and forth to different departments for over 2 hours. Not XXXX rep knew what they were doing or where to send me. Finally I spoke to a manager and her said he would help me resolve this. Apparently, someone deposited fake checks totaling {$1800.00} from XXXX XXXX bank into my account. In the time that it took them to find out they were fake there were several withdrawls made, a purchase and even a fake check from my account that was cashed at an ATM that has a live teller on a screen that processes transactions. I did n't even know they had those. All of these transactions were done in XXXX. I live in XXXX and have not been XXXX. After explaining this numerous times the manager, XXXX said he would file the claims for me and get this investigated. I called today, ( XXXX/XXXX/XXXX ) to check the status and I called the phone number XXXX had given me to use. The rep told me he did n't have any claims on file. He sent me to a different department and that rep told me that my claims had been resolved and I would receive a letter in the mail. I asked her what they said and she stated that the charges were valid and the investigation was closed!! Not only has my account been compromised, I ca n't access my direct deposit from my employer because it 's gone, but there are people out there that are creating fraudulent checks and cashing them, using a debit card that they did not have a PIN to that also has a chip, and the are creating checks from my account and cashing them! Bank of America did not care that this was happening. This is the reason consumers end up paying high fees for bank services but not XXXX of Bank of Americas employees knew what to do or took it seriously. Looking at my account you can clearly see what happened if anyone took the time to look at it.
XXXX XXXX. They sold the account some XXXX times over and was paid through my taxes. Each time they update it per your law that states Federal Law FCRA 623 ( a ) ( 5 ) cb ( iii ) Pursuant to CA law they are going beyond the statue of limitations as well ( full disclosure act XXXX ( 3 yr statue of limitation. This is year 7 It is listed as XXXX XXXX sold to Midland Funding another new date of XXXX was taken off on XXXX and then finally sold a XXXX time to XXXX and started a new date of XXXX. They have yet sold it again to a company out in XXXX, CA All of this is illegal and they are not following federal laws.
In XX/XX/XXXX I feel behind in payments due to illness and unemployment. In XX/XX/XXXX I was in a truck accident in the vehicle I got from Santander for which the vehicle was upside down when medical personnel arrived and the truck was a total lost. I gave them the vehicle back and had GAP insurance. I thought it would cover the cost of the vehicle and make me break even, they also sold the vehicle and mad a profit off it and they did n't take the sale amount of the truck. Also they are still charging for this vehichle. perpetratory charges of late fees and interest, these vehicle they got me owning more now than the original amount of the vehicle. They keep reporting different amount to the credit bureaus each month a duplicates sometimes. I cant believe these lender can do this to my as a consumer i feel like my constitutional rights have been violated.Every month these lender is causing derogatory marks on my credit bureaus.Please help with this matter.
TransUnion XXXX is listing my date of birth wrong on my TransUnion credit report. 
It is listed as : XX/XX/1961. This is NOT my correct date of birth.
I am trying to payoff my loan. I am told the only way to pay off the loan early is to pay a XXXX $ penalty/fee. The lender will not let me pay the required extra principal to pay off the loan because the lender limits the amount of extra principal that can be paid within a 50 day period, on-line, and by phone. I have a choice of making one extra payment every 50 days ( would take 4 months ) or pay the penalty/fee for paying off the loan early and getting the lender to provide the paperwork. When I told lender I was going to report this, all I got was the representative indicated she did not consent to being recorded and I could not use the information she provided against the company or her.
On XX/XX/XXXX, I wrote a letter to XXXX XXXX to accurately verify the debt.I asked for the following to be provided within 30 days : * Current Balance *Date debt was transferred from original creditor *The current balance of the what the debt was bought for *Copy of contract I signed with the 3rd party *Any fee 's added by the agency Sec.392.303 ( a ) ( 2 ) *Texas Surety Bond informtion as required by Sec.392.101 I have allowed 30 days for this to be completed and there has not been a response from the debt collector. There is proof the agency received the letter on XX/XX/XXXX.