WillisBack/dataset-financial-user-claim huggingface dataset:
I am currently experiencing extreme difficulty with the credit bureaus. XXXX, XXXX, and Transunion are all reporting my XXXX Accounts as a revolving debt. The definition of revolving debt is- Revolving debt is debt that typically has a variable interest rate, an open-ended term and payments that are based on a percentage of the balance. Revolving debt has a pre-determined limit, agreed upon by the lender and borrower. 
Revolving debt is the kind of debt that credit cards offer and is usually an easy way to get credit. It can be a useful tool when used with discipline. This is damaging my score and affecting my lively hood. My revolving accounts such as XXXX XXXX Credit Card, XXXX, and XXXX XXXX are all in good standing. I have been paying about XXXX-XXXX % of my balance charged every single month. My credit score should be much high than it is. The credit reporting agencies are in direct violation of The Fair Credit Reporting Act where it states, '' Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate ''. XXXX account number XXXX, XXXX and XXXX should be reporting as UTILITY not revolving. XXXX acct number XXXX should have a XXXX balance and account number XXXX should have a balance of {$160.00} not {$380.00} reported. Due to the erroneous reporting since XXXX 2014, my credit score has suffered tremendously. Revolving accounts reporting as past due or late can damage a consumer 's credit report and in this case I have suffered severely.
Hunter Warfield calls all day or night about multiple people who do not live in this apartment, i have told them multiple times they do not live here.
OnXX/XX/XXXX XXXX XXXX XXXX from Bayside capital collection agency contacted me as well as a family member to collect a debt she threatened me by telling me I would be receiving legal document on XX/XX/XXXX and I still have't received them as of XX/XX/XXXX.
I then contacted on XX/XX/XXXX to XXXX XXXX XXXX and informed her about my situation I 've been unemployed since XX/XX/XXXX so I would need to do in hardship to pay the balance of the payday loan with checkngo.
I called back on XX/XX/XXXX to resolve this problem and to do the hardship of {$50.00} a month for 90 days. I was requesting this information and this agreement in writing documenting the agreement that XXXX XXXX had my loan with XXXX XXXX XXXX.
I would be paying the {$50.00} for 90 days and I also wanted to agree that the amount was going to be {$2200.00} not {$2800.00}. By me paying {$50.00} there would not be any penalties or interest and I wanted all this to be document down in the agreement I also wanted to mail in my payment I was trying to resolve this matter with Bayside Capital collection agency and they did n't want to work with me to resolve this matter.
I moved out of XXXX XXXX XXXX which was managed at the time by XXXX XXXX ( creditor ) at the end of XX/XX/XXXX. Around XX/XX/XXXX I started receiving calls from the collection agency regarding a debt which I knew nothing about. I requested documentation to verify the debt in which I was told I would need to contact the apartment complex. I did this and still never received this documentation. Out of fear that this would go on my credit report, I settled with the collection company but I was told at the time that if I settled, it would not be reported. Fast forward to now, I pull my credit report and this collection is on my report. I have called the collection agency and requested that this be removed from my credit report but I have been denied this request. Also, one male representative or manager in particular that I've spoken with twice has been extremely rude and actually called me a " liar ''. Honestly, this collection agency should not even be in business Their business practices are unethical and their employees are beyond rude which can be seen just by reading reviews on this agency via the web. I have also tried to contact the creditor in which I was told to email someone by the name of XXXX XXXX and XXXX XXXX but nothing happened and I did not receive a response.
I 'm trying to buy a house so the mortgage company ran a credit report. There is a medical bill that is over XXXX dollars. I called the collection company that is holding this account. Spoke with a representative and she also spoke with the manager. In XXXX this company sent multiple letters requesting this be removed from my credit report. It has been XXXX years since this company ( XXXX XXXX XXXX XXXX ) sent this request in writting. Equifax, XXXX, and XXXX are still reporting this negative account on my credit report.
Communications through the mail and phone calls from XXXX XXXX XXXX for XXXX XXXX of {$730.00} not owed by me. Contacted paypal who confirm no such debt. 

Latest letter dated X/XX/2017
XXXX XXXX contacted my employers and family members about a payday loan from XXXX XXXX XXXX   from 2008 that he said was connected to an XXXX XXXX XXXX account. He said not paying the debt would result in damaging my credit that he knows Im working on and that I will have a judgment filed against me in court for {$500.00}. 

I am not only not aware of any debt but I havent had an XXXX account for 15 years. I also expressed my concern that he would call about a debt from 10 years ago. When I told XXXX XXXX I was concerned about fraudulent activity he condescended to me and said he would go to the police department with me. I asked him for XXXX XXXX XXXX information and he said he would have to email it to me. I told him this whole situation has me very concerned about providing my personal information so he declined to give me XXXX XXXX XXXX information. 

He also harassed my elderly father who has serious health isssues and XXXX XXXX told my father that I owed XXXX XXXX XXXX {$500.00} and that he would sue me if he didnt get in touch with me which caused my father to call me while I was at work because he was so upset by his conversation with XXXX XXXX.
On XX/XX/XXXX I started the online process of an " auto loan pre-approval application. '' Through the process I decided not to continue, declined submitting of the application and closed out of the site. U.S. Bank still ran a hard hit on me which I do n't see how they could have done this even if I had gone all the way through because it was only for pre-approval. I spoke to someone on XX/XX/XXXX and was told it would be removed and that maybe if got to the point of no return and still somehow submitted something, but it is still on there. I am wanting to make sure this is removed from my XXXX report. 


NOTE for CFPB : My birth date is XX/XX/XXXX not XX/XX/XXXX like it keeps going to once I go to the next screen.
I applied for a loan modification in latter part of XX/XX/XXXX with Wells Fargo Bank. I received a letter dated XXXX/XXXX/2015 from Wells Fargo stating that they have received my application for a loan modification and to keep in mind additional documents may be needed. 
In a letter dated XX/XX/XXXX from Wells Fargo Bank were a list of conditions they had received and conditions which were still outstanding, all due by XX/XX/XXXX. How then do I have a Foreclosure Sale date for XX/XX/XXXX? This is clearly blatant dual tracking and Wells Fargo should be called on this violation of the California Homeowners Bill of Rights.
The company was not able to stop the sale of my home after stating they could stop the sale. They said Wells Fargo refused to mod my loan due to the fact the sale date was in side of 37 days which is require to duea mod.
I found out about an alleged debt of {$230.00} placed on my credit reports ( XXXX, XXXX, XXXX ) on XX/XX/XXXX from Diversified Consultants stating I was delinquent on a balance from XXXX XXXX from XX/XX/XXXX. I have had no previous actual or attempted contact with Diversified Consultants before this showed up on my credit reports. 

I contacted XXXX XXXX directly and they assured me that they had record of appropriate payment information on record and that this is their error and should not have been placed in collections and that it would be recalled. 

I contacted Diversified consultants and they advised that they would not remove the collection, only update it as " paid '', regardless of the circumstances and the errors being on their side. I even offered to pay to remove this false and damaging collection from my credit report and pursue contact XXXX XXXX directly for a refund in leiu of moving forward with a federal lawsuit against them as that would be the cheaper option, Diversified Consultants declined. 

In my opinion, this is a shameless money grab, targeted a ruining peoples lives and reputations. I believe my rights in FDCPA and FRCA have been violated.
I have received my XXXX XXXX report and see that Factory Trust has pulled my report multiple time without my consent, I have never applied for any of these companies. 
1. XXXX XXXX XXXX 2.XXXX XXXX   3.XXXX XXXX
Chase bank refuses to reopen the investigation on my account that was closed due to fraudalant activity. I have a police report which they gave me and told me they had made XXXX arrests for the incident and yet chase wont even bother to change the issue. I called thru relay to report my card missing and either there was a misunderstand between operator and banker or they are make it up that i claim to still have my card which isnt true at all, even the banker i was talk to said they would send me a new card. Now that i am settled down and ready to possibly take chase to court to lawsuit because while this situation happened, i was losing my XXXX son in the hospital and 1 day after he died, i went to file police report. 
I lost my son, my home, school, and my bank all in one month, and i am devastated after trying to deal with bank numerous times to solve this issue. Besides losing a son, i have XXXX other kids i am caring for. Please help or i have to take them to court for my suffering and causes that has effect my life
Upon hearing about the Equifax data breach I visited their website relating to the data brach : www.equifaxsecurity2017.com. 

I followed the steps to see if I was affected and they responded they believe it was the case. However, instead of giving me the option to enroll in their credit monitoring service they automatically enrolled me in it. The fine print implies this waives my right to be part of any lawsuit against them for this data breach. To be clear, I was automatically enrolled in a service without my consent that limits my ability to protect my rights as a consumer from this data breach. Furthermore, the response I received that I was likely involved and that I would be enrolled in their protection plan soon is offensive. Given the time that has elapsed since they knew about the issue the fact that they can not say definitely based on me inputting my social information is illogical. 

This abusive action combined with the news that their executives knew about this data breach for over a month before notifying internal public and that they had sold shares of their stock prior to revealing the breach shows me a company that clearly does not respect their customers.
I have checked my credit through XXXX XXXX to see why I been denied on purchasing a tv through credit and saw that I have two credit report through synchrony bank which o do n't recognize or know about and I been to trying to dispute it from my record.
My mortgage company allegedly paid my property tax payment but the XXXX XXXX XXXX N.H. said they did not receive it. The XXXX told me they would put a lien on my property if I did n't pay it immediately. I paid this out of my pocket and I am now out {$1300.00}.
I 'm a XXXX was working for the XXXX that I was contract with, XXXX in XXXX ca. They did not pay me for my services I took a load from XXXX to XXXX and back. My truck broke down they advance me some money to fix it but on the way back they kept the rest of my pay and now they been reporting on my credit over {$6200.00} that I owed them. This is an abuse to my self as an employee of XXXX!
I called Navient on or around XX/XX/XXXX and spoke to a gentleman in the private student loan department about lowering my monthly payment because it has been a financial struggle for me to pay almost {$800.00} a month in student loan payments ( which is half of what my mortgage is for my house! ) I explained the situation to the person on the phone who proceeded to tell me that I may be eligible to lower the payment if I extend the repayment terms out to lower my payment. Upon checking, he said my loans were not eligible for this but had no explanation as to why they were not eligible. So I asked him what should I do if there comes a time where I ca n't make payments at all? Im supposed to let my loans go into default? I asked him what other people do who can not make payments and he said that they basically have to let their loan default and ruin their credit. How is this fair to people who want to actually pay their loan, but are just asking for affordable payments? It 's absolutely absurd and I think they should have better repayment options for private student loan holders.
On XX/XX/2016 I had a balance of {$1900.00} and XXXX purchase of {$24.00} made on XX/XX/XXXX. The {$4.00} posted to my credit card account on XX/XX/XXXX the same day as the interest charges for purchases and cash advance charges were applied to the balance. At this point I should have an available credit of {$51.00} but instead I have an available credit of {$14.00} which I believe to be wrong. Further I believe that I have been charged the total interest charge of $ XXXX twice and that leaving an available credit of XXXX
XXXX, XX/XX/2016, amount XXXX . 

I went Into the XXXX store before they sent the debt to collections. I wanted To make a payment and reconnect service. They said i couldnt And wouldnt let me get a new phone because of the history i had With them. They said they would soon send it to collections where i can Work out payment plan with collection company and possibly get a new phone when i pay Off debt.
My consumer reports are different names not my actual name. Also im trying to get a job with a good company for once and my background is 100 % inaccurate. A  XXXX  search says more about me than the consumer reports that not in any way was I asked if its actually me. I had my Id stolen and lost it happens but my  Social security/ IRS statement says  actual events while the consumer report is just a computer guessing or a guy on a computer trying to figure out who some one is.  XXXX  works better honestly. Its recent and honest. Im sure im not the on ly one with  this problem. I imagine people that are not tech savy. The lies and guesses that they receive sure explains why alot of people are unemployed!!
I originally got a loan for {$300.00} and the payment plans was the following : Payment Schedule : 1 {$100.00} XX/XX/XXXX 2 {$100.00} XX/XX/XXXX 3 {$100.00} XX/XX/XXXX 4 {$100.00} XX/XX/XXXX 5 {$100.00} XX/XX/XXXX 6 {$100.00} XX/XX/XXXX Then I had a medical emergency and I contacted them and we agreed on a new pay back loan structure below, yet they keep claiming I owe them more money. The loan keeps increasing even when they gave me the new payment plan below. They claim on now owe them {$860.00}. My loan never goes down, it just keeps getting higher and I can't afford to keep paying this. I am on XXXX and I only get {$1200.00} a month. I will never have this loan paid off. How can they give me a loan payment plan and then lie about it. I should only have two payments left, but I will be dead before this is ever paid off at the rate they are going. I should only have 2 payments left if you go by their last communication with me. 

Dear XXXX, Your payment plan is detailed below. Please ensure funds are available for payment to process according to the due dates you requested. 

Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00}
A credit card I had with XXXX was sold to another creditor after I got behind. That creditor then had a collections company, called Credit Control , LLC, attempt to collect the debt. I entered into a settlement agreement with them, and paid on time as agreed, paying the settlement in full. After Credit Control took the money for the settlement, they told me the debt was recalled ( after the agreement was in place and they took the money ) by the owner. They did not notify me, and kept the money, and when contacting them, they did not state the mini Miranda as required by law, and hung up on me. So in summary, Credit Control did not honor the settlement agreement, which is in writing. They took the money that was paid on time, and completely in accordance with the agreement. They refuse to discuss it with me and adhere to the agreement. The agreement is in writing, and they cashed the payments sent in without ever notifying me they no longer had the debt. This is negatively affecting my credit, and may have even had an impact on my recent financing of a auto purchase.
Debt for XXXX XXXX was cancelled and reported to the IRS as income in XX/XX/XXXX. XXXX XXXX still reporting full amount delinquent. If debt has been cancelled and account closed they should not still be reporting full balance amount. I contacted XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX to inquire of this reporting and were advised they do n't have to stop reporting if the debt is cancelled but the amount they are reporting is incorrect for a cancelled debt. 

First Financial is reporting a balance of XXXX on my credit report and the XXXX was paid in full but they are refusing to remove the XXXX because I have another balance in their office of a lesser amount. I contacted First Financial on XX/XX/XXXX to  ask to remove the XXXX from credit report as it is what is reporting and was denied that request.
1. We have had a payment agreement with Navient since since XX/XX/2015. Year over year Navient keep raising our interest and the payment despite the fact that we have a limited income making very hard to continue with payments at this time. Also we have loans that after the initial settlement after the first class action law suit the interest was lower however they did not recalculated the loan interest base on the new rate causing some of the loans to double in a short period of this as well as they keep accruing interest over the interest they accrued at 22 % +. 
We have call and talk to supervisors and all they tell us is that " too bad you need to cut your expenses '' ( ask for the recordings that they keep and you will see it is all true ) which are already to the bear minimum. We were able to continue paying the loan with the low interest that we originally agree but they now refuse to continue with the original agreement and keeps raising the interest and the monthly payment.
Company first contacted me on XX/XX/XXXX at XXXX XXXX. XXXX. It was an automated message for a XXXX. I called the number back and they were looking for my son for a debt that was charged off in XXXX for {$63.00} at XXXX XXXX. I advised them I had paid that debt years earlier. The man on the phone connected me to what he referred to as the XXXX XXXX XXXX. I advised again to XXXX that the debt was paid and he wanted to give me an email address to send the letter of satisfaction to. 

I requested their address so I could send the letter, once found to them via registered mail. XXXX would not provide an address stating it was a time sensitive matter and if I did not comply via email, they would send the sheriff to my sons address with a warrant. I warned them that I would take legal action on both them and XXXX if a sheriff showed up. He hung up on me. I found out later that they are also calling my future daughter in law nearly every day, several times a day. 

Today/ XX/XX/XXXX at XXXX XXXX. XXXX, they called again. This time I told them they were calling the wrong person and to remove my number from their calling list. The man did not identify himself and began swearing at me, calling me a XXXX XXXX before hanging up. 

The company identifies itself as XXXX XXXX XXXX.
I was unable to dispute these new claims online with Experien. I was not allowed access using my credit report number. I did not request any personal statement. The personal statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want removed.     I want the  XXXX   XXXX  account that was closed in  XXXX  removed as well as the negative statment " This item was updated from our processing your dispute in  XXXX   XXXX .     I want the  XXXX   XXXX    XXXX   statment in the comment section removed : '' Account previously in dispute-investigation compelte, reported by data furnisher. '' These claims paint me in a negative light when I work very hard to keep my credit information pristine and accurate. Why does Experien make it difficult or impossible to dispute and access my credit report online using a free credit report?
A {$6000.00} XXXX XXXX account ( XXXX ) from XXXX 2011 keeps on getting reinserted by Experian after it has been confirmed to not be mine and deleted. This account was mistakenly being reported by both Experian and XXXX in the past. After XXXX initiated an investigation a couple of months ago, this account was promptly deleted from my report when it could not be verified as accurate or complete on my credit. This account is not mine and in XX/XX/XXXX, Experian also deleted it from my report. I have a copy of a report which shows how it was not reporting on my credit in XX/XX/XXXX. <P/>Under the FCRA SECTION 611 Part ( A ) ( 5 ) ( B ) ( ii ), Experian can not reinsert a previously deleted account if they do not provide me a notice in writing within 5 business days that it was verified. Why is this account on my credit again if it is not mine and it has already been proven not to be mine? I have addressed Experian multiple times regarding this issue and they are refusing to process my dispute. <P/>If Experian really is now saying it has been verified, I do n't understand how that is even possible. How can XXXX 's and Experian 's investigations yield two different results and outcomes?
I took a loan in XX/XX/XXXX. I paid the loan in full in XX/XX/XXXX. I never received a duplicate title for my vehicle. I need to donate the car. I went to the DMV to request a duplicate title and the lien has not been released. I nowmust go to an outside site that will charge me money what Santander should have already provided.
Collection agency has called me at my place of employment three times and was told each time to stop calling me at work. I have told them each time they may call me on my cell/home number, but only XXXX time was that done. Today was the third time they have called me at work and the third time I have told them to stop calling me at work.
On XX/XX/XXXX, JPMorgan Chase disbursed {$940.00} from our mortgage escrow account to pay our property taxes. As of XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX office shows that our property taxes are unpaid. I have repeatedly contacted Chase by secure message and I send a certified letter on XX/XX/XXXX regarding our property taxes not being paid. Chase has repeatedly lied and said that they paid our property taxes on XX/XX/XXXX.  They even told me that they mailed a check to the tax assessor 's office. Last year, we were told by the tax assessor 's office that Chase pays property taxes by electroncic transactions not mailed in check.