WillisBack/dataset-financial-user-claim huggingface dataset:
Credit reporting violations include where your credit report contains information that is inaccurate, disputed, and outdated. However, they have refused to remove. 
Public Record CHP XXXX - 10 years old ( Equifax ONLY ) Child Support Error- 14 years old ( Equifax & XXXX ONLY ) XXXX Bill- XXXX years old ( Equifax ONLY ) XXXX ( Student Loan ) - PAID in full 2010 w/IRS offset. However, I am presently STILL paying in efforts to protect my credit score. ( Equifax , XXXX & XXXX ) If you do n't have any success with these violations of statutes. I would like to pursue compensation for damages suffered ( such as credit loss, higher interest rates and emotional distress ), plus an additional amount up to {$1000.00} per violation, punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future. 
Thank You
Discover fail to honor their 18 months 0 % APR on purchases & also negligently fail to reduce the total balance after I paid thousands of dollars to this credit card.
" I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt was XXXX, and they appear to have sold it to Diversified Consultants Inc, therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me '' and being that it was removed from my XXXX credit report it needs to be removed from the XXXX credit bureaus XXXX and XXXX
i was told i i settled the debt that it would be removed from my credit report and the debt was paid and still havent been removed from report i have all recepits,
I 've just seen a report that the CFPB have, in my opinion, rightly, sued Navient, formerly XXXX XXXX. I had more problems in the beginning of my loan in regards to abusive calling, rising & outrageous interest ( sometimes due to deferment plans ), & unrealistic repayment plans/advice. My main 2 issues, however, would be that when I 've called to remove a co-signer, at least 3 times, they 've made it a much more complicated process than it should be, ultimately always denying the request. One such event was not alerting me to a payment that did not go through on their website and not alerting me, even a month later, that it had caused me to go late. Another was also not communicating correctly that when submitting paperwork to release the co-signer that they required redundant forms and when I submitted the form they cited that it had to be filed within 30 days of the original submission, thus leading to a denial of my request. Thank you.
Equifax transaction code XXXX # XXXX I was not able to view this report because when I went to the icon to create an account for 30 days and came back to the first page, I was kicked out. Thus as the law requires I only got to view the first page of the equifax credit report. Now it is telling me that I already got to review my free report when I did not had any time to review anything. I do not not want to write because I needed this report yesterday. 
Fix my account on equifax so that I can go back on line tomorrow or where do I report this problem ... XXXXXXXXXXXX XXXX F
Today is XX/XX/XXXX. On XX/XX/XXXX I opened a checking account at Bank of Hawaii. On XX/XX/XXXX, I corrected the spelling of my name and gender to receive a new Debit card that was incorrect. On XX/XX/XXXX, I received a confirmation letter of address correction. 

My bank statements for social security deposit states, SSA TREAS XXXX. The ( XXXX ) area code XXXX XXXX California is not associated with my bank account and the posting of this credit to my account is fraudulent because the bank is in Hawaii and my deposits are not from California. 

Attached statements. 

My name is XXXX XXXX and this is my statement of intentional torts and organized crime associated with my income from USA Social Security.
Again CitiCard has charged a late fee to my account for a payment being late by 24 hours or less. They did this once before and i submitted a complaint, and was issued a refund. The fee was generated regarding a due date for payment of XXXX XXXX. I paid what was due on the XXXX. On the XXXX the late fee was issued. I had a " chat '' with a representative of citicard but they said they could not reverse the charge, because they had done this once for me already within a 12 month period. I explained that when they charged me before, it was unfair and predatory as well. They would not reverse the charge. My previous case with citicards which i filed with cfpb has a case number i believe is XXXX
I buy the house in XX/XX/XXXX, my parents got sick and I had to come to calif in XX/XX/XXXX, icontinued to make payments while my house was for sale. I was unable to sell the house so I called b of a for some relief, all I got was the run around for the past 18 months!
On XXXX XXXX, XXXX and XXXX estimated between XXXX XXXX and XXXX XXXX ( approximately 3 times ) i spoke with Credit Collection SERvices and XXXX  regarding 2 reported debts on my credit reports that do not belong to me. I was told by CCS that they closed and removed the collection accounts from my report on XXXX XXXX, XXXX and was given back to XXXX to handle. After getting my reports again I noticed the accounts are still on my reports under CCS and XXXX is still pursuing the debts that do not belong to me. These debts were opened in my name without verifying if the information was mine or not. I asked for both CCS and XXXX to send in documentation to include my signature, and photo drivers license, social or anything else to validate those debts and I was not provided with such from either company. That is a violation of FCRA section 609. There are 2 accounts in my name that are not mine due to incarceration during those dates in question and both companies were provided with that infomratin and they still refuse to removed them from my reports or follow FCRA section 609 guidelines.
I am a XXXX year old widow with serious health issues. When I XXXX I had XXXX and went to a XXXX XXXX for several weeks with ultra high co-pays in addition to medication co-pays. Because I could no longer make payments to a debt management company, for distribution to American Express, XXXX XXXX XXXX and XXXX XXXX Master Card I was dropped from the program. 
Now the above companies are demanding payment, but I am currently unable to pay. My only source of income is Social Security. In terms of health care I am a member of a Medicare HMO with high co-pays. My XXXX has been struggling for the past several years and I am now XXXX. The above companies refuse to give me more time to turn these events around. XXXX XXXX is insisting that I make a payment of over {$500.00} by XXXX XXXX. American Express wants the current balance due of {$1500.00} by XX/XX/XXXX. This is impossible! The calls and notices are never ending. No one seems to be concerned about my current state of health even thought I have been a client in good standing for decades. In many ways I do consider this to be a form of " XXXX abuse! '' Keep in mind that the above companies have tacked on considerable late fees and onerous interest rates above XXXX %. Help!!
I initially started a line of credit with Cash Net Usa back in XX/XX/XXXX. I was in need of the credit line but I was not aware that they were practicing predatory lending the interest rate kept me in a cycle of never ending debt. I ran into financial trouble back in XXXX or XXXX of XXXX and i was not able to make any payments and have not been able. I contacted them and informed them around XX/XX/XXXX again and they told me they couldn't help unless i paid the past due amount, after i already Expressed i was unable to make payments. Then they decided the best option was the {$93.00} payments plus the {$130.00} payments in XXXX to catch up which still does not help me. I do not know what to do they continuously call me and email me after ive said i cant pay and need options while im in this financial trouble.
I applied for and received a credit card from  Citi.  When I applied for the card, I added my son as an authorized user and informed the Credit Card  Company re presentative that he lived in my home state and we would be using the card to make purchases for a business venture to open a barber shop. After numerous attempts to use the card and having purchases declined, then speaking with  Citi fraud  department representatives to have it re-instated, I contacted  Citi ( in  writing and by phone ) and requested that they cancel the credit card as using it was a nuisance and constant disruption when contractors would show up to do work and the card would decline the purchase. I assured them that I have every intention of paying the card balance as I am very credit worthy. The representative from Citi told me that they would not cancel the card unless I agreed to speak yet again to a member of their fraud department and re-instate the card. To date, the card has not been cancelled as I requested. How can a credit card company force me to keep a credit card open?
Mortgage was sold by Bank Of America to XXXX. I never received ANY statement from XXXX, nor any correspondence
On XX/XX/XXXX I received a credit monitoring alert from XXXX XXXX XXXX. To my dismay the alert was an account had been reported to collections. I have been working diligently on my credit and know I have not been late nor defaulted on anything. After some investigating I was able to find out the acct. is from an XXXX XXXX visit on XX/XX/XXXX. Not only do I not recall being in the XXXX XX/XX/XXXX, but I had medicaid ( back then in Michigan it was called the Adult Benefit Waiver ). I contacted the hospital where the original service was rendered and they do not have me owing any kind of balance. The lady in billing also informed me that it is possible that I was billed directly by the Dr. She then gave me the number of XXXX XXXX XXXX. I then called them and gave a very rude lady my info. She explained to me that yes, the acct was sold by them to XXXX, the collection agency and that was all she could tell me. This bill of {$380.00} is ruining my credit and it is not a valid acct. If services were received on XXXX XXXX, XXXX, than XXXX XXXX XXXX should have been paid by my insurance just like XXXX XXXX XXXX XXXX was. Please Help!
I was contacted by a collection agency : AvanteUSAXXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX the collection letter dated XX/XX/XXXX I was to pay Avante USA {$50.00} for prior original creditor XXXX ; date of service XX/XX/XXXX Account NUmber XXXX
We attempted to freeze online our credit reports with all 3 major credit agencies. But only XXXX   plays a fair game, making this action easy for me and for my wife. 
Equifax and XXXX sabotage our requests. And to add insult to injury, they forced us first to fill a long forms online, provide all individual information, SS # included, email, cell phone numbers, set up user names, passwords, PIN numbers. At the end they state that " at this time we are unable to process your request .... '' Phone calls are pointless waist of time as computerized program request same info again.
I have attached details and the letters I am sending today in a final attempt to settle this issue. I have spoken to agents on multiple occasions and I did ask them to stop calling and send me written communications. They are now calling me with unknown numbers and have done so 3 times. Now this weekend over XX/XX/XXXX break they contacted my ex-wife and discussed the issue with her prior to speaking with her father the co-signer. I will submit a notarized and signed affidavit from her if requested. Lastly XXXX XXXX is the 4th agency trying to collect on this debt within the past 10-12 months and XXXX XXXX XXXX ( XXXX ) continues to fail to produce evidence they own the debt, and they illegally collect {$1400.00} from me as " good faith payments '' on a debt that had not yet been validated.
I am a victim of identity theft and I received and alert that a new unknownaccount appeared on my credit. I called Equifax and was told that I could not launch a dispute over the phone and was advised to fax my information over againalong with the police report that is already on file and include the newaccount. To date, both Equifax has not removed the account!!!! 
XXXX XXXX XXXX Account Number XXXX
XXXX XXXX IS REPORTING A DELINQUENT TITLE LOAN ACCOUNT THAT WAS SECURED WITH MY TITLE FOR MY XXXX XXXX XXXX XXXX XXXX. THE ACCOUNT IS NOT VALID.
Last year I filed a Chapter XXXX Bankruptcy to reorganize my real estate debt in XXXX XXXX County ( Case No. XXXX ). 
Chase bank attorney XXXX XXXX representing all Chase bank for my case. On XXXX XXXX you have denied my motion to stay and my appeal and approved. XXXX XXXX filed his own plan to liquidate all three of my properties, those that were underwater and those that were not. 
On XXXX XXXX the final plan was issue. XXXX XXXX XXXX, an attorney, was named the disbursing agent of XXXX XXXX plan. Two weeks after XXXX XXXX plan of liquidation was confirmed, XXXX XXXX drained all the funds in my XXXX debtor in possession bank accounts for total of more than $ 50K, without left any money left for my foods, gas, and bills pay. 
If I had not filed the Chapter XXXX and sold the homes myself I would have approximately {$500000.00} because of the equity. Now when XXXX XXXX 's liquidation plan is over my XXXX family members will be homeless with XXXX kids from XXXX yrs old, elder parents and XXXX sister-in-law. 
My attorney was intimidated by the Judge, Chase attorney XXXX XXXX and XXXX XXXX, and did not file an appeal. I have no recourse. I am desperate ; I do not know what to do. As this point I even do n't know if I still have a patience continuing to wait for my BK attorney can do anything to help me. 
As a normal person who 's is not in law profession would ever think to filed chapter XXXX can turn their life from bad to worse. I only think chapter XXXX where they allow debtor to reorganized my debts to affordable payment plan so I have a chance to keep my properties and back on track with my financial hardship. But after the court approved Chase plan they 're intentionally to push me to ended of the road, where all my family and I to be living on street and without pennies to survived. 
My attorney and I are trying to work with Chase so I can bring in certain amount of funds to settle for all of my XXXX properties but Chase attorney did not want to accepted. Rather than to put my house on the market for sale and want to eviction me out of the home if I do n't cooperated with them to sale to my property. 
I trusted the system to be fair and unbiased, and that the outcome that I would achieve through the United States Bankruptcy Court would be better than the outcome that I could achieve on my own. I was surely wrong. The outcome of this case has left me stunned and in utter despair. I can not function and do not know where to turn next. If you have any suggestions, or may have thoughts on what we could do, it would be greatly appreciated. 

Sincerely,
I am writing to request an investigation into mortgage servicing practices by LoanCare financial products. 

I originally purchased a mortgage on my house with XXXX XXXX XX/XX/XXXX. I purchased a USDA loan which was explained to me at the time of settlement as having a higher interest rate than an FHA mortgage, but did not include any type of PMI in that particular type of loan for the life of the loan. Additionally, I find nowhere in my agreement where a PMI/XXXX fee may be instituted upon purchase by a new servicer. However, at settlement I paid {$3200.00} towards XXXX fees/PMI at the monthly rate of {$55.00}, which should have been amortized over the first 4.9 years worth of payments if I did have a PMI or XXXX fee associated with my loan. Additionally, the HUD-1 paperwork clearly breaks down my first few payments ( principle, interest, escrow ) and the space for PMI is blank because my loan did not have a PMI associated with it. 

Since then my mortgage has been sold twice. I had no issues with the first XXXX mortgage companies. The third mortgage company purchased my mortgage XX/XX/XXXX and immediately began charging my escrow account for XXXX/PMI. I was not aware of this as my monthly statements do not break down my escrow payments according to where my escrow is paid out. I was not made aware of this until XX/XX/XXXX when LoanCare sent me a letter stating that my escrow account was going to be short for year-end payments, and that I owed an additional amount that I could pay all at once or have included in my monthly mortgage statements ( a monthly increase ). 

I contacted LoanCare on several different occasions questioning the new fee and requesting to speak with someone responsible for PMI/XXXX to refund and discontinue the PMI/XXXX fee. Their customer service representatives refuse to transfer me to either a supervisor or someone responsible for this new fee ; and when I do eventually get frustrated and transferred I am always placed on hold for 10 minutes before being routed to a voicemail system. I never receive calls in response to the messages I leave. 

My statement arrived in the mail for this month, and without my consent my monthly payment has been raised to account for the money that has been misplaced from my escrow account. I called the customer service line, and the rep refused to transfer me to someone who could issue me a corrected statement at my normal monthly amount since this will be my last payment with LoanCare as my mortgage provider. Once again, after becoming increasingly agitated at the lack of respect and customer service I was placed on hold and sent to another voicemail answering system. 

This is the worst service I have ever received from any financial servicer. I am so frustrated that I am in the process of refinancing with a new mortgage provider. Multiple knowledgable parties have reviewed my original loan agreement documents and all are in agreement that what is happening here is theft. 

I will also be contacting FHA and USDA to advise that they investigate LoanCare as servicers of their loan products.
I have asked TD Bank to remove mortgage information that has been settled in short sale, but they continue to report negative information. The properties were sold in XXXX, yet the accounts remain active on my credit report.
XXXX Attorney XXXX XXXX rep XXXX XXXX called my place of employment and spoke to my Supervisor XXXX XXXX XXXX  she was verbally abusive and rude, when I picked up the office phone she had already hung up.
My account with HSBC # XXXX is showing as derogatory Information but marked PAYS AS AGREES. They need to prove to me there was late payments and when!
on my credit report is a collection for EOS CCA XXXX XXXX XXXX XXXX XXXX 2012 {$1600.00}. first I have never received anything from the collection agency and did n't know anything about it until I pulled my credit report. 2. I sent a letter requesting they verify the debt and I still received nothing. 3. I called XXXX and asked them about it. They looked into it and said I did n't have an account with them. I already knew that because I had XXXX before switching to XXXX. 4. I 've have disputed it with the XXXX credit bureaus multiple times and it still shows on XXXX and maybe XXXX ( i have been unable to view it online ). I want it removed it have been more than the 30 days they have had to verify it. and its false information.
i have a best buy Citigroup credit card. i mail out my payment befor XX/XX/XXXX18 the due date. i aslo pay my bills on time. on XX/XX/XXXX18 i received call from them that im late i told the person the payment was mail out and im not late please dont call me agian. that was a t XXXX. then at XXXX on XX/XX/XXXX18 i recevied the same call. i told them i mail out my payment and a stop harassment me. i'm never late on my credit bills. i told thm they is a grace period stope call me. i never late. they continue to harassment me.
Waypoint Resource Group uses illegal spoofing practices to disguise their phone number on my caller ID. They attempt to call me frequently during all hours of the day, sometimes early morning before XXXX XXXX. They do not state what their business is or why they are contacting me unless I give them personal information about myself. When asked whether they are a collection company, the representative states that they are not. If they can not reach me, or if I don't answer their phone call, they then contact my fiance on her phone. On XX/XX/2018 at approximately XXXX, Waypoint Resource Group called my fiance on her phone with her caller ID showing my phone number when I was sitting next to her. If I wasn't sitting next to my fiance at the time, she stated that she would have answered, thinking it was me calling her. On XX/XX/2018 at XXXX, Waypoint Resource Group called my fiance on her phone. She did not answer. I have filed a complaint with the FTC against Waypoint Resource Group for their harassing phone calls, their illegal spoofing practices, and for continuing to contact both me and my fiance after they have been told to stop. The phone calls began in XX/XX/XXXX and are growing in frequency. My fiance and I no longer answer our phones if we don't recognize the caller ID.
I called XX/XX/2018 at XXXX to talk with a manger to see if I could settle this dept with the company the young lady could not find a manger at the time for me to speak with I was put on hold for 30mins to her coming back on the phone saying the company only has three options for me Is a XXXX dollar offer or 20 payment at XXXX dollers that will add up to XXXX over the amount I own or pay nonthing and theyll going to sue me for the whole loan amount I told the lady I didnt not have that type of money I have XXXX dollers to my name I XXXX and not working and they can have the XXXX I dont even have a place to sleep she said thats all theyre offering I said can I please spread to the manger thats told you that why cant he get on the phone she said he in a meeting I repeat it I did not have XXXX or XXXX for 20 payments Im XXXX and not working she said well well going to sue you and hung up on me than I got a email saying theyll going to pursue any legal action against me the dept is 4years and 2 mos old I was calling for help and I didnt get it
I CONTACTED MACYS ON XX/XX/2017 AND XXXX XXXX 2017. I ALSO RECEIVED AN E-MAIL FROM XXXX XXXX. I MADE SEVERAL ATTEMPTS TO PAY OF THIS DEBT, BUT DUE TO STATUE OF LIMITATION THEY COULD NOT DO A SETTLEMENT OFFER. THEY DID NOT WANT TO ACCEPT PAYMENT.
Experian keeps reapplying this us bankruptcy ct FL XXXX to my credit file It is not mine And no phone number and No address that can be verified Also no claim amount listed and no liability amount I keep disputing it but experian keeps refusing to investigate
My loan was transferred to Ocwen from GMAC XX/XX/XXXX. Prior to the transfer, GMAC removed our MI monthly amount. Once the loan transferred, Ocwen began charging FHA MI monthly again. I sent a letter requesting the removal of the MI. I received a response from Ocwen stating that the loan was not at XXXX % LTV and that until it was at XXXX % LTV it would be on the loan. They also stated that the automatic removal of the MI was scheduled for XXXX XXXX. The letter we received from Ocwen, in XX/XX/XXXX explained that the LTV was calculated by the higher of the XXXX either the Sales Price or the Appraisal Price. My Sale Price and appraisal amount was the same at {$77000.00} so the XXXX % LTV is {$60000.00}, which our loan hit that amount prior to the transfer in XX/XX/XXXX. Since the transfer I have requested the MI be removed again without resolution. Ocwen changed the way they calculated the LTV and says that the Loan did n't qualify as of XX/XX/XXXX and then although I called and sent letters twice in XX/XX/XXXX, they say they did n't receive letters yet they admit to speaking with me. The removal of the MI did n't happen until XX/XX/XXXX, when once again another letter was sent.