WillisBack/dataset-financial-user-claim huggingface dataset:
Based on information and belief this is not my account. I have requested for verification and validation but to no avail. This ERC continue to double report the same items twice on my files. This company will not respond to my requests.
In XXXX we entered into a contract account initially owned by XXXX XXXX XXXX. XXXX XXXX XXXX has changed hands to XXXX XXXX. We bought a XXXX XXXX XXXX XXXX XXXX.
Our contract states 156 payments starting XX/XX/XXXX
XXXX XXXX XXXX a.k.a. XXXX XXXX held our contract from XXXX to XXXX. In XXXX they sold the contract to Santander consumer USAXX/XX/XXXX was our last payment according to our contract of 13 years but Santander informed us that we still owe three more payments.
We tried to resolve this problem many many times with Santander and XXXX but got no satisfaction. Santander Sent us our payment history that they received from XXXX XXXX and it did not include the first three payments that we made!!! So Santander said they changed our contract to 158 payments!!!!! ( That 's not legal we did not agree or sign an agreement to that ) so we faxed a copy of the contract and the letter explaining the bookkeeping error.
We sent three registered letters receipt requested to XXXX XXXX  asking for our payment history and they did not respond!! When calling XXXX XXXX the mailings were noted but the representative did not have the capability to print out our history but said that XXXX, XXXX, and XXXX payments XXXX were made and even gave me the dates but they were not included in the history that they sent Santander.
These two companies will not communicate with one another to settle this problem and if you call XXXX you have to state it was an RV account or they 'll tell you you do n't have an account with us.
The bank We do business with ( XXXX XXXX ) only wholes cancel checks for seven years and could not help us and unfortunately I only have statements going back to XXXX.
We were never late and always on time to both of these banks for 13 years.
The total of the three payments that we are not getting credit for was {$810.00}.
Made to XXXX XXXX.
Santander wants {$620.00} to close the account.
We are paying that amount under protest or should I say rip off.
My husband is XXXX and I am XXXX and we live on Social security. I think this is considered elder abuse.
Please help us if you can retrieve some of our money back.
XX/XX/2018 I Submitted a requested that a Public Record be removed from my Experian Credit File. along with Incorrect Names and Addresses on my file with Experian. On todays date XX/XX/2018 I contacted Experian by phone at XXXX and spoke with a Rep by the name of XXXX he stated he cant give his ext or employee ID #. and that the names cant be removed I stated that I have submitted a photo copy of my Identification social security card and bank statement so how is it that incorrect information can stay on my file and he stated that it was verified and will remain on your report. I stated anyone can electronically submit information, I'm requesting proof of contracts bearing my signature. XXXX   stated they cant provide me that information because they don't require it from Collectors and Merchants. this is a Violation of the FCRA. XXXX from Experian stated that XXXX verified the Public Record. I have a security Freeze on my XXXX  file so its impossible that Experian received any information from this company regarding me. I feel that Experian isn't properly completing verifications on the items I am disputing.
First I would like to state that experian does NOT offer a way to dispute a credit inquiry. 
That being said, there are XXXX inquiries from XXXX XXXX still on my credit report, it is XXXX/XXXX/XXXX it has now been over 2 years and for some reason they are leaving it on here.as stated by experian in the image provided. Credit inquiries are supposed to fall off after 2 years, not 2 years 1 month not 2 years and x amount of days but 2 years. 

I suggest the CFPB launch an investigation into the legitimacy of the way experian does business. They are obviously skirting laws left and right. I ca n't retrieve my free annual credit report and had to use a free trial at XXXX to view my credit report from experian. See my other complaint.
On XX/XX/2016 we applied for a RV loan of {$35000.00}. We were denied. Our bank informed us that my husbands income could not be verified. We met with the bank and they could n't understand the problem with our application. It sounded like our social security numbers were mixed up and my husband has an additional social security number. Ca n't tell when this happened. My husband submitted a dispute to Experian online and so did I because it effected mine also. We have not been contacted by anyone from Experian and the bank ca n't do anything. We know this is a problem but we can not fix it.
Company with the phone # XXXX has called me repeatedly and told I owe a debt which I paid seven years ago. Told me I would be served by the county clerk 's office and that I would have a lien put on my assets and that they have recordings of me vowing not to pay. 

She claims that its XXXX or XXXX. I have never received a single piece of documentation. This is distressing and wrong! Other ppl have complained about them at this website XXXX XXXX XXXX XXXX XXXX
For almost an entire year, I 've been trying to work with Equifax to delete inaccurate information from my credit report. I sent disputes in writing on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX .     Equifax is reporting that several of my accounts were " Included in bankruptcy '' but that is not accurate.     The only accounts that were included in bankruptcy have already been deleted from my credit report by the credit grantors.     The following accounts need to either be deleted or updated as closed and " paid in full '' accounts :  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX    XXXX   XXXX   from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  I am requesting validation from Equifax because this is not the information I receive when I contact these companies individually. For months, Equifax has disregarded my disputes as frivolous and they ask me to contact the companies because according to their investigations, the reporting is accurate.
I graduated from the school. I did not receive my certification to get a job. Therefore the major I graduated from I couldn't get a job because the institute I graduated from said I have to pay the loans in order to get my certificate of completion. So I ended up get a regular job not one that I graduated from. Now the student loans that I have are piling up. How can I delete those loans from my credit score since they never gave me my certificate of completion.
XXXX, XXXX and Equifax reporting for Acct Number : XXXX : On Equifax, Acct # XXXX is being reported with missing Date of Last Activity, missing High Credit and Date of Payment shows XX/XX/2012 ; However on XXXX it is reporting Date of Last Payment as XX/XX/2012, and on XXXX, Date of Last Payment is missing, High Credit and several account terms are missing. 
On a few separate occasions I have disputed with all three credit bureaus Equifax, XXXX, and XXXX pertaining to Acct # XXXX and each time it has been 'verified ' by XXXX XXXX XXXX . I have included the excerpts of my credit reports showing how these accounts are reporting
I have been called by Chrysler Capital XXXX or XXXX times over the past 2 months saying that my lease payment is late. Then, they look at my file and realize that they have called me in error ( I have automatic payment set up and have never paid late ). Each representative that I talk with says that they will fix their system and stop calling me. I 'm being harassed and I 'm worried that their accounting problems are going to impact my credit history.
Equifax is continually violating my rights under the Fair Credit Reporting Act. They are not taking complaints filed against them with the Consumer Financial Protection Bureau seriously. I am now asking that the Consumer Financial Protection Bureau gets involved in this situation. I have filed this dispute on several occasions and Equifax just keeps updating my credit report with the same information. They did this again on XX/XX/XXXX. These items were no longer showing that a re-investigation was in progress when I went to their website this morning. They also added back a collection that was recently deleted. I just went to the website and re-disputed the following items : XXXX ( Balance {$150.00} ) XXXX ( Balance {$160.00} ) XXXX ( Balance {$160.00} ) They recently added the following collection back to my credit report after deletion : XXXX ( Balance {$24.00} ) I ask that the Consumer Financial Protection Bureau gets involved in this immediately, as I have been dealing with this issue with Equifax since XX/XX/XXXX. I have provided information by certified mail ( return receipt ) and online that shows that I have been in Chapter XXXX bankruptcy since XX/XX/XXXX and all accounts that I had were included in that bankruptcy. This is preventing me from getting a XXXX formed that is needed immediately.
PayPal charged my credit card {$150.00} for disputed fees without telling me. 
PayPal charged me {$150.00} because of a chargeback against me. {$130.00} was the amount of the item, and {$20.00} was a punitive charge for getting a chargeback. I vehemently object to these charges. I did nothing wrong. When they charged me this {$150.00}, it put my PayPal account in a negative state. I formally appealed their charges because I acted in good faith and the buyer broke the PayPal rules. I have mountains of email and bank statements showing the transaction was legitimate. I have an impeccable rating on XXXX and PayPal. Because I did n't fund my negative PayPal account while i was disputing the {$150.00} PayPal charges, PayPal unethically and without notifying me, added {$150.00} to a {$51.00} online purchase I made. This additional charge also does not show up on my PayPal statement or activity. It does n't show up anywhere. The only way I knew I had been charged was when I checked my XXXX credit card statement. PayPal used my XXXX credit card as payment method for the {$51.00} purchase, but XXXX did not warn me that they were processing the transaction for a much higher amount that I thought I would be charged. They did not tell me during the transaction that I would not be charged {$51.00}, but {$200.00} instead. This is unethical, and I believe illegal, as well.
Contact bureau via phone on XX/XX/2018, and speak with a very helpful representative name XXXX. He looked up some information that i submitted via fax and certified mail. XXXX started an investigation # XXXX, and was able to remove unauthorized hard inquires. He removed all but two and a 30 day late payment that was listed in error from XXXX XXXX prior to and investigation, so i called back and spoke with another rep XXXX, on XX/XX/XXXX i explained to her the situation, she said she was unable to help as i explained to her the time, date and rep i spoke with just 3 days prior. She said she initiated another dispute # XXXX, which i never received an email notification like i did on the XXXX while speaking with XXXX. Both times calling the reps stated that they were in call centers location outside the USA, and verified items electronically instead of an actual investigation into the disputes i sent in.
On XXXX XXXX, 2016 I received a letter from American Credit Acceptance stating they will not remove my dispute in regards to a hard inquire I disputes. In that dispute I requested American Credit Acceptance to provide me the documents they obtained that gave authorization for them to run my credit so I can verify its validity. American Credit Acceptance refuses to comply with my request. The name on the letter from American Credit Acceptance is XXXX XXXX. American Credit Acceptance is knowingly and willingly violating the FCRA. By them not providing me the documents it suggest they do n't have any therefore these inquireies have to be removed from my credit report immediately. If American Credit Acceptance continues to use delay tactics and knowingly and willingly not comply I will seek legal council and action. There dereliction of duty has resulted in a negative impact on my Credit Worthiness and credit score causing great distress..
I have two Citibank credit cards. I recently moved to a new address. I tried to update my residential and mailing address on my Citi credit card account through their website, but their website sets a limit to the number of characters you can enter for each line of the address, which is shorter than my address ( my address is USPS approved ). It doesn't allow me to enter my full address. Although their website pops out the USPS suggested address, it just never takes it. Then I called their customer service number twice and asked the representatives to update the address for me. They said they couldn't do it. One of the representatives even asked her manager to help fix issue, but they both failed. Then they promised me to escalate the issue for me and said it should be fixed within 5 business days or so. Now 7 business days has passed and my address still hasn't been updated. Now I'm really worried that I won't receive mails and statements from Citibank and may miss payments, as my address on their book can not be updated to my current one.
I made arrangements with the University of XXXX, XXXX XXXX, to pay my tuition in 4 monthly payments. Due to a medical emergency that required hospitalization and on-going treatments, I was not able to make those payments. The debt was turned over to XXXX XXXX XXXX. They sent me a letter on XX/XX/2018, with a Special settlement offer approved by UNIV OF XXXX XXXX. However, there was no amount listed. I sent them a letter asking for a written document with the amount of the " Special settlement offer '' at which time I would send them a check. I will not talk to them over the phone and/or make a payment over the phone. I need a demand letter and I will send them a check so that I have proof that the debt was paid. To this date, they have refused to send me that demand letter.
I am XXXX XXXX XXXX, currently residing in XXXX XXXX XXXX, XXXX, XXXX XXXX, NJ-XXXX. I had signed up for a Gym membership with : XXXX XXXX XXXX located atXXXX XXXX, XXXX XXXX ; which advertised for {$580.00} for 6 months, sometime in summer XXXX. When I signed up their contract and came back home and checked the contract, I found they misrepresented and they wanted to charge me an exorbitant amount of {$580.00} for a month! I rushed in the next day in the same physical location and wanted to cancel my account. They did not cancel my account. I asked them how come you put me in a contract but can't cancel my contract. They said there is no way to cancel the contract! They gave me an address and told me it is up to the discretion of the Account manager to cancel my contract or not! I sent a certified mail at that address ( I neither have that address or the proof of that certified mail now, it's been so long ) but did not get any response. They did not even have a phone number where I could call to cancel. They basically posted a fake number, which automatically went to voicemail. They already charged me {$580.00} for the first month on my XXXX XXXX XXXX Credit Card. I called XXXX XXXX to dispute this charge and they also couldn't deal with XXXX XXXX XXXX. They blocked the charge. Every month XXXX XXXX XXXX tried to charge my XXXX card unsuccessfully. Soon after, I had lost my job and was going through tumultuous times and had to move to XXXX for my next job and before that had to go to my home country XXXX to get my visa stamped. I kept on calling the number, but no one would pick up. In XXXX XXXX XXXX XXXX   put ~ {$3500.00} on collection. After I tried to resolve it with Omega RMS, the debt-collection agency ; they couldn't get it resolved with XXXX XXXX XXXX. Then I had filed a consumer complaint and the account went away from my credit report. In XXXX, again, the account came back out of nowhere and again went to my credit report as a collection and again hammered my credit score!
I HAVE NEVER SIGNED A DOCUMENT TO RUN MY CREDIT FOR A HOME MORTGAGE LOAN, THERES A INQUIRY FOR XXXX XXXX CA XXXX ON MY CREDIT REPORT WHICH I DID NOT APPROVE OF, I CALLED THEM THEY SAID THEY WERE GOING TO FIND OUT WHO RAN MY SCORE, I HAVE NOT GOT A CALL BACK ITS BEEN OVER 10 DAYS AND WHEN I CALL NOBODY KNOWS WHAT IM TALKING ABOUT. I NEED THIS INQUIRY DELETED FROM MY REPORT
From what I was told by the " escalation department rep '', XXXX is the " administrative and secretarial assistant '' for Great Lakes Guarantor. After repaying my loan in full in XX/XX/2018, XXXX continued wage garnishment for 3 consecutive pay periods. They finally sent a letter to my employer to stop garnishment two weeks ( another pay period ) after I called. When it comes to getting any question answered regarding the status of my account, or when I might be receiving reimbursement, the answers are generic and scripted. " The account is closed. The accounting department doesn't have a contact number and is behind. We have no other information on your account. '' After over 30 min speaking to both reps, I was given the number to Great Lakes. Mind you, the second rep, " XXXX '' kept cutting me off with " We don't have information on your account ''. Poor customer service, rude and unhelpful. I ended the conversation with XXXX, letting him know that if Great Lakes was who I should speak with, he could've saved us both time by redirecting me there 15 min. prior.
Quicken loans # XXXX, appraisal was done, I told appraiser that the square ft, figures he was using was wrong and that the assessor was going to change them, the correct figure was 1560 sq. ft. backed up by insurance coverage, the appraiser used 1377 sq ft.. The 30 ft diff, is the way the laundry room is situated ( 1560-1530 ) Had a discussion with Quicken loans telling them that the mortgage should be on XXXX instead of XXXX, told QL you can not have a mortgage on part of my house, they chose to ignore this and we closed. I figured that all this info would go to the dept that handles problems and it would get fixed, never did. Spoke to a RE Atty, she told me that you can not have a partial mortgage and that the lender could not foreclose on a partial mortgage, and the Atty thought the only way to fix this is to have the lender write off the loan since it was invalid as it stood., This refinance was XX/XX/XXXX I waited almost a year for this to get fixed, and it never has. So now ( XX/XX/XXXX ) I am refinancing with another lender, if as the attorney believes that my mortgage is invalid then my new lender has a different pay off. I told QL before we ever closed that this needed to be fixed I didn't hide anything, they have known from the beginning that this mortgage was not valid, so now I have been making payments on an invalid mortgage. The assessor shows sq. ft. as 1530, mortgage is on 1377 sq ft. QL paid the taxes which showed the increase and didn't question why. In one of e-mails QL says that the appraisal is based on the legal description and sent me a copy of same as if any improvements ie : house doesn't count, this is a housing tract not an empty lot. The man that called me today regarding my payment said that they make mistakes but not his department he just wants my payment, problems go to a different dept. I have copies of the discussion and e-mails regarding all this. This appraisal shows 1377 sq. ft. in spite of all the info they have regarding this it still has not been corrected.? How many people have been foreclosed on when maybe they had a way to save their property, especially if there was a mistake in their mortgage? We expected this to be fixed to both of our satisfactions before now, it wouldn't have been that difficult to do, but we were never contacted QL just let it go. This mortgage would never been valid. Contracts aren't supposed to contain major mistakes. Current e-mails are available if needed.
On my XXXX/XXXX/15 Citi card statement I noticed a late fee of {$37.00} and an interest rate charge of {$0.00}. applied to my account on XXXX/XXXX/15. The statement shows a payment of {$60.00} posted on XXXX. An electronically transferred payment! The call rep said she would put in a request to rescind the late charge. She said the payment was received a 'day late '. Citi electronically transfers these funds. Why am I being charged late fees for for funds transferred by CIti? 
I thought the problem was resolved, but my XXXX/XXXX/15 statement revealed otherwise : an additional {$37.00} was ADDED. Each time they gave me a 'dunning ' call they just would n't listen to reason.
Bloomingdales erroneously put " return to sender '' next to my mailing address so i never received a statement. 
Bloomingdales then put my account to collection I received at least 4 robo calls a day from collectors in florida and ohio for a month Finally i was able to speak with seveval managers in the credit department who notified me of Bloomingdales error I was promised a hard copy by mail for about a month before i received it as i said i need to see a statement before i pay a bill
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have a judgment against me on an account that is with Portfolio Recovery. I have been working with Portfolio Recovery for 10 months paying off several accounts that are with them. I have worked with them and I do not understand how it is possible that no communication happened regarding this account at the time i made payment arrangements on what I assumed to be all accounts in the possession of Portfolio Recovery. I am not a criminal nor a scam artist and yet I am treated as such by a company i have been working in good faith with, and this judgment comes as a huge shock and huge stress. I work full time, am a single mother of XXXX and having this hover over me while also continuing payments on accounts with Portfolio Recovery has me furious. Please let me know where to go from here, how to proceed, or at least how i can get this account also paid which was and still is my ultimate goal. 
Thank you