WillisBack/dataset-financial-user-claim huggingface dataset:
I have sent in the information to Experian several times and they are not responding the other bureaus have removed the information right away. They are not responsive at all there is no way to talk with someone and will not allow me to do this online they want me to send the information by mail with my social security card and other personal information the company on the credit report sent it to them also. I am very upset they should have a way to speak with a person. 



Thank you,
Kohl 's repeatedly calls my phone number looking for someone who has not lived here for 5-10 years. I have told them that and asked them to stop calling me, but the calls persist. 

For example, Kohl 's admits that they called me on XX/XX/XXXX about XXXX XXXX. They admitted that I requested at that time that they no longer call me looking for someone else. Yet, on XXXX/XXXX/XXXX, at XXXX XXXX, Kohl 's agent named XXXX ( # XXXX ) called me looking for someone else. 

I am tired of the repeated harassing calls. I have never had a charge account with Kohl 's. This has been going on for years. I want it stopped. 

Note : I have never had a Kohl 's credit card.
PORTFOLIO RECOV ASSOC is attempting to collect and is reporting to XXXX, XXXX and XXXX an unverifiable debt that i do not owe in the amount of approximately {$1800.00}, I never signed any contract, agreement or Document with PORTFOLIO RECOV ASSOC saying i owe this debt or agree to pay this unverified debt, i never gave authorization for PORTFOLIO RECOV ASSOC to obtain or use my personal social security number, Photo ID, address or phone number, i did not provide this company with this private and personal information therefor the debt does not belong to me and i believe PORTFOLIO RECOV ASSOC it attempting to collect on a fraudulent debt.
Rec 'd letter back from XXXX from a person named XXXX. She states that the education loans have a cap of 25 %. Math is black and white. The loans I have have a 48 % interest rate. It is now my understanding the they can compound interest until they get to 25 % and then they have to stop. This surely would be in the best interest of the young adults with school loans, car loans, mortgage payments and babies mouths to feed. It surely would be in the best interest of our country to have educated people and who were n't afraid of loans like they are of bad marriages. If you can do Math, you can figure out, not like XXXX, from XXXX, that the loan I am a co-signer on is 48 % interest. Here are the figures : Original Loan Amt : XXXX. Total Amt Paid : XXXX. Remaining Balance : XXXX. And if the cap is 25 %, then all I owe is XXXX, and that is all I am going to pay, not XXXX!!! And for all the school loans, several people need to be hired to re-calculate this criminal usery and injustice to this generation who are raising families. My desired solution is to have my loan recalculated to 25 % interest rate, and everyone else 's school loans re-calculated to 25 % interest rate. By the way, most interest rates can not exceed 22 %. Thank you for doing something about this atrocity. This is an abomination to our next generation.
Navient will not remove old deragotory information from my credit report. It is more than ten years old. The statute of limitations has expired.
My issue is regarding excess payment allocation.
Great Lakes Educational Loan Services is the servicer of my Stafford loans. I have 4 Stafford loans in total, each with a different interest rate. The highest interest loan is called " Loan Token 330. '' My monthly payment date for these loans is the XX/XX/XXXX of every month. In XX/XX/XXXX, I paid my monthly payment via autopay on XX/XX/XXXX. I also wished to make an excess payment in the amount of {$800.00} toward Loan Token 330. I  called the Great Lakes customer service phone number on XX/XX/XXXX to make the excess payment. Great Lakes customer service was closed on XX/XX/XXXX due to the XX/XX/XXXX holiday, so I was not able to reach customer service.
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Great Lakes customer service reopened on XX/XX/XXXX, so I called on XX/XX/XXXX to make my excess payment. The customer service representative promised over the phone that my excess payment would be applied to Loan Token 330 only, and promised it would not be applied to my XX/XX/XXXX monthly payment. <P/> I logged into my Great Lakes online account on XX/XX/XXXX and saw that the excess payment was applied to my next monthly payment, instead of being applied to Loan Token 330 only. <P/> I called Great Lakes again on XX/XX/XXXX. For the first time, Great Lakes customer service explained to me that an excess payment must be made on the monthly payment due date if it is to be applied to a particular loan, and not to the next monthly payment. This information is not available anywhere on the Great Lakes website. The Great Lakes website states that an excess payment will go toward the next monthly payment first, but it does not state anywhere that the excess payment must be made on the monthly payment date to avoid this. Furthermore, I was told conflicting information during my phone call on XX/XX/XXXX : Great Lakes customer service told me that the excess payment would apply to Loan Token 330 only. <P/> During the call on XX/XX/XXXX, Great Lakes customer service told me that an " exception '' would be made for my payment, because they were closed on my payment due date, and because their customer service told me incorrect information on XX/XX/XXXX. The " exception '' would fix my excess payment so that it would go toward Loan Token 330 instead of my XX/XX/XXXX payment. <P/> On XX/XX/XXXX, I called Great Lakes again and was informed that the " exception '' did not go through and my excess payment would remain applied to my XX/XX/XXXX payment, rather than to Loan Token 330.
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I want the CFPB to help me get my excess payment applied to my desired loan.
We originally listed our house as a short sale and sent all documents on  XXXX   XXXX ,  XXXX , to     XXXX   XXXX   who was the servicer for our loan. The short sale was approved by     XXXX   XXXX  , with the approval letter  XXXX / XXXX / XXXX , with a close of escrow date of  XXXX  Our Broker  was advised that the loan servicing was changing  XXXX / XXXX / XXXX , to  Select Portfolio Servicing.  Since th e Buyer was gett ing a loan, the Buyer could not close escrow in 4 days. Our Broker then immediately sent all documents to Select Portfolio Servicing on  XXXX / XXXX / XXXX , via fax supplied b y SPS ( Select Portfolio S ervicing ). The  Broker followe d up on  XXXX / XXXX / XXXX , to assure all short sale documents were received, however,  SPS stated they had given the Broker the wrong fax number and supplied a new fax for short sale. SPS also stated that they have used previous servicers short sale approval letters to expedite a written approval from SPS to the listing Bro  ker. Ag ain, our Broker sent the complete short sale package to  SPS , along with a copy of the   XXXX   XXXX   short sale approval letter. On  XXXX / XXXX / XXXX , our Broker was told by  SPS tha t a conditional approval was issued based on a  Broker Price Opinion v aluation that was ordered and should be completed shortly. on  XXXX / XXXX / XXXX , our Broker was told a written short sale approval letter would be issued no later than  XXXX / XXXX / XXXX . Our Broker has called SPS every 2 days since  XXXX / XXXX / XXXX , with no approval, and now SPS states it could be another 30 days based on " investor guidelines. '' A representative from  SPS  stated she did n't see a HUD closing statement this past Monday  XXXX  which was sent in with all documents prior ), and suggested the Broker forward another copy " just in case. '' Today,  XXXX / XXXX / XXXX , the  Broker foll owed up again and was told by the Relationship  Manager on the file that since a new document ( HUD )  was logged as received today, " investor guidelines '' gives SPS  another 30 days before they have to issue a written short sale approval letter to sell and transfer our property. The Broker is in fear of losing the Buyer now, and we as the Borrower/Sellers are l eft with further months of default/negative reporting to our credit record. Our  Broker has lo gged dates, names, and notes of every conversation with SPS from  XXXX   XXXX ,  XXXX , to present.  SPS rep resentatives not familiar with the file have continued to mis-read notes and request documents that were all sent previously numerous times. I highly suggest and request that the CFPB audit both procedures and business practices of SPS, at least with regard to short sale processing. Thank you!
I had a foreclosure with XXXX XXXX 4 years ago and they continue to report it as a missed payment every month even though the house was sold 4 years ago so on my credit report it looks as though I 'm still missing payments and in arrears
I was in default on my student loans due to not having a job to pay for loans. However, I did file my taxes from when I was working and my taxes were intercepted. Once I got a job I contacted Federal student loans and they told me I had a balance of XXXX in order for my loans to get out of default and it would be paid off. I recently pulled my credit report and it has school loans transferred to collections. It is paid and I would like for them to be removed from my credit. It is affecting my score because there are so many listed. I am not working at the moment but I do want to focus on my credit. Ive contacted federal loan servicing to resolve this matter and they stated that it was out of their hands. They had me calling around and still nothing resolved. I
I 'm XXXX XXXX 2017 I noticed XXXX XXXX re-inserted a previously removed account back on my credit report and failed to notify me within the 5 business days afterwards.
After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the CRA 's and the creditors and requested removal of UNAUTHORIZED INQUIRIES, but I was denied. I stated that I am a victim of identity fraud and have a fraud-alert posted to my credit files on all ( 3 ) major CRA 's, but they still would not remove the inquiries.Here are the inquiries that were not authorized by me : XXXX  - 1.XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) XXXX  - 1.XXXX XXXX ( XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX ) EXPERIAN - 1. XXXX XXXX  (XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3.XXXX  ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5.XXXX XXXX XXXX (XX/XX/XXXX ) Please dispute these inquiries or  contact the reporting agency and request removal of these unauthorized inquiries.
I applied for a mortgage and the credit check was done by a company called XXXX. Transunion showed I had 4 accounts in Dispute. So the mortgage company called me and I called Transunion that day. The man I spoke with said he could see the errors and would remove them immediately. I advised the mortgage company and they checked again and the problem was still there. They checked again today which gave me XXXX hard inquiries instead of XXXX. I called Transunion today and asked that they only show because it was their error. The refused saying these would stay for 2 years. I want only XXXX inquiry to show as it will affect my credit for two years.
I responded to an offer that I received from Citibank to open one of their Citigold checking accounts. In exchange for opening the account and meeting several other criteria, I would be awarded XXXX miles to my XXXX XXXX AAdvantage account. I opened the account all the way back in XXXX XXXX and met the requirements in XXXX XXXX. However, I still have not been award the miles that Citi promised and after calling numerous times, I have been lied to repeatedly by Citi with more promises to follow up with a resolution to this issue. Needless to say, the follow up phone calls NEVER come.
I am a current customer of Huntington Bank. I overlooked a payment on my credit card in XX/XX/XXXX. Once I realized I had overlooked the payment I made the payment along with the payment for XX/XX/XXXX to bring the account current. Over the past month I have attempted to work with Huntington to have the 30 day late payment in XX/XX/XXXX to no longer report as a 30 day late payment as a goodwill gesture. I have spoken to 5 different representatives with Huntington and no one is hearing what I am requesting. Each person is submitting this through as I am stating that I was not late on the payment. I have been asked to send my credit report to a fax number. Each letter I have received has stated that the investigation confirms the payment was late and will continue to report to the credit bureaus. My credit report will show that my payment history on every account that I have has never shown a late payment 30 days or greater. I felt that this evidence and this being a one off situation would be enough documentation to have Huntington remove the 30 day late payment in XX/XX/XXXX as an act of goodwill. I feel Huntington is not listening to what I am really asking for and being unreasonable with my request.
I wanted to do a credit freeze or lock on all bureaus for security reasons. This was easy to do on XXXX and XXXX. However, I found the TransUnion site to be misleading. I clicked on credit lock, entered the require data and was enrolled in credit monitoring, which I did not want. This service is XXXX/month. At no point during this " enrollment '' process did the site tell me what I was signing up for. I thought that it was just the credit lock. After the fact, I determined that they planned to charge me the monthly fee beginning XX/XX/XXXX. Then, I went through the process of cancelling the subscription, and called TransUnion to confirm that it was in fact cancelled. This misleading process to sign up for a credit lock/freeze should be fixed. The other bureaus sites were not a problem.
This particular gentleman who called himself XXXX XXXX contacted my employer specifically my boss and assistant boss and revealed information that I owed a bad debt and verified my employment threatened to take me to jail. I have XXXX voicemails and several screen shots of where this gentleman has called me numerous times in a XXXX minute span. Threatening voicemails he leaves in my phone.
XXXX, debt collector, obtained mortgage after default, sold my property on XXXX XXXX, and denied my loan modification XXXX XXXX, both 2015 in the name of the trustee who could not receive transfer of the mortgage due to default of said mortgage, XXXX filed foreclosure complaint without any default judgment or judicial process.
on XX/XX/2018, Chase sent me a notice that they decide to close my CF account. I'm fairly new to the credit business but I know that closing my card with negatively affect my credit, I recently got married about a year ago, me and my family are just trying to build our credit so that we can achieve our financial goals. My wife and I are both hard working individuals with stable income. My credit utilization rate is 10 % and I use all my cards in a normal way. I respectfully ask that my card be reopen and I will stop whatever I'm supposedly doing that I shouldn't be doing.
I have set up an account with www.equifax.com to monitor all XXXX of my credit reports. I have noticed several XXXX inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Equifax. I have included, the XXXX XXXX, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately.
capital one said this was an interest free credit card, that i got through XXXX as an employee, now they are charging me interest on the credit card
I noticed a debt from XXXX mobile company that is not from my doing. I wish to dispute this debt since it is not from me.
I am applying for a mortgage and was getting a pre approval when my loan officer told me I had a collections debt from XXXX still on my credit report from 2010. First of all, that debt was my father 's not mine but they attached it to my name and it affected my credit in XXXX when I was applying for a mortgage the first time. I went with my father personally to the place and paid that debt for him in order to get it taken off of my credit history. Now again, it 's still on my history after settling and paying the debt of {$2200.00}. I need to get this removed because it is lowering my credit score. I have to paperwork dated XXXX XXXX 2010 to prove it. There is also a pending class action law suit vs. XXXX collections agency that I an a part of. Please help.
I opened a savings and checking account year XX/XX/XXXX. The savings is linked to the checking account. Below are the transactions : Savings XXXX Deposit Date Amount Withdrawal Balance XX/XX/XXXX {$50.00} {$50.00} XX/XX/XXXX {$770.00} {$820.00} XX/XX/XXXX {$760.00} {$1500.00} XX/XX/XXXX {$490.00} {$2000.00} XX/XX/XXXX {$1000.00} {$1000.00} Checking XXXX Deposit Date Amount Withdrawal Balance XX/XX/XXXX {$730.00} {$730.00} XX/XX/XXXX {$500.00} {$230.00} XX/XX/XXXX {$230.00} {$0.00} Closed When I opened the accounts on XX/XX/XXXX, I told the manager I do not like a debit card for these accounts. She said that is okay. She told me I could have an ATM card. The ATM card will be for deposit and withdrawal only. She also gave me two ( 2 ) small pieces of papers with routing numbers. In addition, she gave a Deposit Record booklet. 

I received a mail with an ATM card ending XXXX linked to the checking account which state that the card could be used for purchases at retailers, deposit and withdraw at ATMs, and print mini-statements. I was surprised to see the card and the accompanying letter since I told the manager that I do not want a debit card or an ATM card that acts like a debit card. I was very disappointed that my instructions were not honored by the bank. 

I closed the checking account on XX/XX/XXXX.

I withdrew from my savings account on XX/XX/XXXX.  The teller asked for an identification and I showed her my drivers license which I used when I opened the account. The teller asked me to swipe my drivers license card which I did and regretted doing it. I felt she tricked me in using my drivers license like a debit card. I do not like my drivers license to be used this way. It would be enough just to show her my drivers license. 

There are so many tricks out there that could duplicate any cards with magnetic strips. The bank opened my drivers license to this malicious practice. 

What are the routing numbers for? Please note that I had never used any routing numbers. I only went to your bank to deposit and withdraw. 

Issues : 1. You issued me an ATM card that acts like a debit card without my approval. What is your action on this and how will you prevent similar incidents? 
2. You tricked me to swipe my drivers license in your machine. Presenting my drivers license as I did when I opened my account should be sufficient for you. I suppose your personnel are trained to do this. 
3. Regarding the routing numbers, please assure me that there are no other accounts that used my identity. That there are no accounts linked to my accounts 4.  Regarding the Deposit Record booklet, is there a way that the bank could print on it all the deposits, withdrawal and balances? This is a very good security for both the bank and the customer.
Enhanced Recovery CO L, XXXX ( ERC ) Good afternoon, I have very little information on this company which appeared on my credit report as negative for the amount of {$350.00} on XX/XX/XXXX. I received a call from one of their associates or an associate speaking as an representative for the company XX/XX/XXXX. After sitting on the phone in silence, The associate aggressively and immediately begin to ask for my name and information, but refused to tell me the reason for the call and didn't want to reveal their name and status. I am asking to have this negative report investigated and removed from my credit report. This company is reporting negative collections to my account. I've reported them and it's still reporting negative on my credit report. 

Thank you,
On XX/XX/XXXX I was routinely checking my credit score on  XXXX. Much to my surprise my over 800 credit score had dropped by 45 points in a matter of 9 days due to a derogatory account on my credit report. Immediately I contacted XXXX  and XXXX  to have the account removed. I have also contacted the company, Amcol, via phone without appropriate resolution. Now I have decided to send certified mail and requested receipt to the company demanding immediate action. Letter is as follows " I am contacting you in writing to address a collection placed on credit report in the last two weeks. I have not received a bill regarding this collection. Previously I had received bills for a visit for my daughter going to the ER and payments have been made. Please provide proof of the account and historical payment history to document account is 1. Delinquent 2. Length of Delinquency 3. Total balance owed. I would like to swiftly resolve this matter and requesting Amcol to remove the debt, derogatory condition, from my credit report immediately as it has negatively impacted my over 800 credit score. '' From my credit report the account was opened on XX/XX/XXXX and reported to credit agencies on XX/XX/XXXX. What are consumer rights to address collections? What about accounts making more than the minimum payment required?
I recently reviewed my Experian consumer credit report and discover a company calling itself XXXX XXXX reporting a negative account on my report. I have no knowledge of doing business or signing a contract with XXXX XXXX. This willful and negligence action is causing harm to my credit score.
Last Saturday XX/XX/2019 I did a transactions through the Bank of America ( XXXX ), the amount was {$2500.00} a saved the information from those transaction to check the next business day that was Monday XX/XX/2019.  The amount deposit to my checking account was {$2500.00}, {$3.00} dollars less the information of the transaction print from of the XXXX  app. Today XX/XX/2019 I called Bank of America and spoke with the supervisor XXXX Id number XXXX, at begin of the conversation she advice me that the conversation will be recorded, and the end of conversation after she try to trick me with a lot explanation that doesn't match the numbers. The Bank of America use to deposit my transaction and next day apply the fee on the amount of the transaction. This time Bank of America deposited a wrong amount and apply the fees. I feel robbed. I have the Bank Statement, the transaction and the recorded.
This complaint is for Carrington Mortgage Services. I recently refinanced my loan with them and provided all proper documentation including my home insurance. They did not make proper updates to their records and began sending me letters requesting insurance. After I called more than a half dozen times to correct this, they still increased my mortgage payment to reflect an escrow shortage, even though they escrowed home insurance payments that are already covered by the condo association and owe ME money! I asked for this issue to be escalated for a quick resolution but they continue to send bills reflecting the higher payment. This is the second time this has happened with this mortgage and the last time it took 2 years to get a refund back! Where is MY interest payments on those two years?
T-H PROFESSIONAL & MEDICAL COLLECTIONS LTD HAS PRESENTED ME WITH A FRAUDULENT BILL FROM A MEDICAL PROVIDER. I CONTACTED THE PROVIDER DIRECTLY AND THEY ADVISED THAT MY ACCOUNT IS CURRENT AND BEING PAID AS AGREED. THE MEDICAL PROVIDER ALSO INDICATED THAT THEY HAVE NO RECORD OF REFERRING ME TO THIS AGENCY. MY ACCOUNT IS CURRENT AND BEING SERVICED AS PREVIOUSLY AGREED TO.