WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted Experian at least XXXX times regarding the erroneous information listed on my credit report. I provided notarized police reports, FTC affidavits, documentation of complaints filed with the FTC, CFPB and the FBI internet crimes unit. In addition, I have provided proof, in the form of receipts, bank statements indicating that fraud occurred on my account, and all invoices from companies proving that purchases were fraudulently made. I also included proof that I was not even in town when all the alleged transactions were made. Experian continues to refuse to acknowledge this information and repeatedly sends generic letters which request " Notarized FTC affidavits to complete the investigation. '' Yet when I send this information to Experian they have done NOTHING to update my file!
I had taken out a payday loan of {$5000.00} on XX/XX/XXXX and during that time had undergone a several financial setbacks due to a family death and housing situation. Both my wife and I had a XXXX in XXXX XXXX and had to have XXXX in XXXX XXXX. My wife and I are on fixed incomes and have struggled to get back on our feet. We also had to vacate our rental property due to our landlord short selling his home in XXXX XXXX and had undergone a major move the year before in XXXX XXXX. I had to reach out to XXXX XXXX XXXX XXXX for some financial help, but fell behind in my household bills and had to join a debt consolidation company to help with our bills and the calls. The account in question was charged off {$4400.00} and I had not heard from anyone until now. I have received a call from a third party collection company called XXXX XXXX XXXX XXXX. The telephone number is XXXX. Their is a case file number XXXX. The individual that called was XXXX XXXX, who called to threaten me with legal action and has called all my relatives and family members by their cell phone numbers. He has been very abusive, arrogant, demanding, and has belittled me with saying that I have not paid my debts and seem to be some kind of monster. I tried to explain the circumstances and he just blew me off with an uncaring attitude and started to run his mouth, threaten, using abusive language and I had to finally had to hang up on this guy. I finally had to call the Fair Debt Collection Act for consumers and they told me to file a complaint on the company and this his guys threatening and abusive tactics. Please feel free to contact me for additional information.
AFNI has put on my credit bureau for XXXX XXXX XXXX XXXX about owing {$450.00} which was settled XX/XX/XXXX and proof of this was sent to XXXX XXXX XXXX but it hit my credit report from this company as if it was done just XX/XX/XXXX. Which is not true. Also this company has called and left automated messages that have left my account number on my family 's answering machines with no company name or phone number to call back. no phone number comes up on caller id either. I have pulled my CBR and it shows that this company is not even reporting. I have placed disputes on my credit bureau for this company.
I have been working with my mortgage company for years pursuing a hardship modification. I originally had a foreclosure sale date for XXXX XXXX, 2015, however PNC Mortgage Co. filed a motion to cancel and reschedule this date since my financial situation changed and I was put into the modification review process. After the process, I was denied a modification, however there was input PNC used to determine my qualifications, that I strongly disagreed with. On XX/XX/2015 I had a conversation with the rep PNC chose to represent their company as my " point of contact '' and I explained that I was in dispute of a couple of values PNC was using to determine my eligibility and I could provide the evidence. I was told by the PNC representative that she would send me out a new application since I was challenging their input, plus I had an increase in income which would effect me positively in the evaluation. During this conversation I was also told that the foreclosure sale date had now been reset for XXXX XXXX. 
My complaint is that not only was the application never sent out denying me the opportunity to a fair evaluation, but according to my conversation with the bank last night, I did not qualify for recourse at that time since the bank had to have 38 days to review any new application ( i.e. the time from the rescheduling of the sale date, XXXX/XXXX/15 and the time of the actual sale date, XXXX/XXXX/15, which is 27 days, far short of the 38 days they require ). 
This is egregious to deny me a fair & accurate modification review and then to sell my home from under me, while using a highly inflated Fair Market Value which I am challenging and have the proof to back up my claim. 
When I kept going to my mail box everyday looking for my new application, to no avail, I even took it upon myself to use the forms from my previous application, updated them and included my dispute along with my evidence, and faxed a complete package to PNC which has been entered into their system. Thus PNC has my application, proof, and documentation, but they refuse to postpone the foreclosure sale which is in 5 days. I am only asking PNC to give me a fair and accurate evaluation and if they continue to refuse, I will go on a thorough and continuous campaign to expose their unfairness
I am attempting to refinance my current mortgage that I have with XXXX XXXX Bank with XXXX Bank. XXXX pulled my credit history and in addition to my XXXX XXXX mortgage, another mortgage was listed with Bank of America ( BOA ). I have never had an account with BOA, and this is just an error on my credit report. 

I called BOA on XXXX/XXXX/16 to request that they remove this with the credit bureaus and send me documentation stating that this is NOT my account. I talked to a supervisor named XXXX who confirmed that it was indeed not my mortgage. He said he was unable to send me any documentation indicating that this mortgage was not mine because that would violate a " privacy issue. '' I am filing a complaint because Republic has advised that BOA should be able to send me some documentation - anything, stating that this mortgage # XXXX with BOA is not mine and it is an error that they are correcting with the Credit Bureau. I need this done promptly so that my refinance can be moved along with XXXX. 

I have sent a written dispute into BOA, but they have advised there is nothing they can provide me to prove that this is not my mortgage account. I think this is unacceptable and they should be able to provide something since this was an error on their part.
On XX/XX/XXXX I sent dispute letter to all 3 credit bureaus requesting the removal of several items. A closed credit card account that is over 10yrs old, a charged off credit card account over 8 years old and two collection accounts that I do not owe money to and never had contracts with. XXXX deleted all the accounts. XXXX and Equifax did not, they only updated the reporting of the account. I contacted XXXX and Equifax again via mail on XX/XX/XXXX. I explained to them that XXXX had deleted the accounts, provided proof of that and asked them to also delete the accounts from my credit file. XXXX, updated the account again and did not remove it as requested. Equifax did the same and advised me to contact the credit card company. My complaint is that they are not required by law to continue reporting this outdated information and they ARE required by law to remove it at my request. The information I need help having deleted is XXXX XXXX XXXX on my XXXX  file, XXXX XXXX XXXX and XXXX XXXX XXXX on my Equifax file. Please help.
Receiving phone calls out throughout the day on my personal cell phone family members for that that I 'm unaware of
EXPERIAN IS LYING ABOUT THEIR RESPONSE BELOW. THEY ARE SAYING THAT THE CREDITORS XXXX XXXX HAS NEVER REPORTED THE MAILING ADDRESS AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK. LOOK CLOSE TO THE DOCUMENTS IN THE UPLOAD WERE XXXX XXXX SENT ME A RESPONSE LETTER TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX. Thank you for submitting your complaint on XXXX XXXX, 2017, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We reviewed and considered the information, including the attachment, you have supplied through the CFPB portal and directly to Experian. THE ADDRESS SUPPLIED IN YOUR COMPLAINT HAS NEVER BEEN REPORTED TO US PREVIOUSLY BY ONE OF  YOUR CREDITORS ( THIS IS NOT TRUTH, EXPERIAN IS NOT PROPERLY INVESTIGATING THE MATTER PLEASE SEE WERE THE COMPANY XXXX XXXX SENT ME A LETTER TO THE ADDRESS AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX UPLOADED IN THE DOCUMENTS TO VERIFY MY CLAIMS AND FACTS THAT THE XXXX XXXX  HAS USED MY ADDRESS AND REPORTED IT TO THEM ). In order to assist you, we must first verify your current delivery address. Please send two items that verify your current address, with one of those being a government issued id, along with your specific disputes or request for a credit report, to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX and we will promptly address your concerns. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.
My complaint is against Experian reporting system as i have sent several certified letters showing proof that the account is not mine and the company doesn't even have this account. I have sent the actual letter from the company stating that the account is not mine and it should be deleted. But Experian keeps reporting this on my credit report, which really hurts my feelings since i pay {$32.00} a month for their credit fico score information. I feel as Experian doesn't take these matters seriously and for several months now they keep updating a account that doesn't exist. I have spent over {$50.00} in certified letters and spent hours and hours collecting this correct information to HELP Experian out by showing them proof! My next step will be small claims court, as i know that i can be awarded {$1000.00} for incorrect information and i will take my monthly Fico/credit checker business somewhere else where they treat customers with respect and listen to them. I am so exhausted from this disputing that it would be easy in small claims. Again the tracking information for these letters. USPS Certified Mail XXXX : XXXX delivered XX/XX/XXXX. What else do i need to do? I have shown PROOF with letters from these companies! Who is doing this verifying? It's obviously not correct!
I am submitting this complaint against Chase credit card because they have been unwilling to work with me in resolving a credit card debt issue involving my mother 's account. 
My XXXX old mother recently suffered a XXXX XXXX and had XXXX. As a result, I was forced to become involved with her financial affairs. ( She previously would not allow me access to her finances ). I have discovered that she had lost all her investment assets a number of year ago, that she receives minimal income through alimony and social security payments and over a period of time as accumulated significant credit card debt. After analyzing her income, living expenses ( including rent ) and her credit card minimum monthly payments, it is clear she is barely keeping her income ahead of her expenses and that she will never be able to pay off the credit card debt. 
I contacted XXXX attorneys and XXXX advised to default on the cards. However, out of concern for her health and well-being, I am reticent to have her final years spent ducking creditors. Both my wife and I have power of attorney to manage her affairs and proceeded to contact Chase to see if there was any ability to lower or eliminate the excessive interest fees and reduce the balance. 
The Chase credit account is a closed account - she can not use it for purchases. It is unclear when the account was closed ( the history on line extends back to XXXX 2010 and it has not been used for purchases in all that time ). The outstanding balance in XXXX 2010 was {$28000.00}. Since that time, she has paid a total of {$50000.00} to Chase and has been charged an additional {$39000.00} in interest. The APR is 27.49 %. Her current outstanding balance is {$17000.00}. The latest Chase statement notes that the balance will be paid off in 30 years ( when she is XXXX ) if she continues to make the minimum required payments which as I explained she is barely affording to make. 
My wife and I contacted Chase to determine if they would review the account and treat it more fairly. The phone call lasted for over two hours, we were transferred back and forth to different departments, each time having to re answer the security questions and re describe the problem. We tried to reach supervisors etc. No one would offer any relief of any kind. From what we can determine she has only 'bought interest ' for more than 6 years. 
We are very concerned about her ability to continue to stay ahead of her expenses under the current conditions ( or worse, if her XXXX old former husband dies and there is no more alimony income ). and are shocked that Chase, in their own self-interest would not be able to recognize the reality that the balance will never be paid off. This feels like a form of elder abuse.
We requested just XXXX form Exeter Crop, but Exeter refused to proved us with XXXX form. We need the a XXXX so we can refinance at with lower rate with XXXX XXXX. Because we not happy with hight interest rate which is 14.7 % when have much lower interest rate with XXXX. We do have above average credit. A XXXX Form is a common request between companies.
I was alerted through a credit monitoring agency that a new collection was placed on my credit report. I immediately looked to see what it was because I have not made any changes to my credit and found the collection agency name is ERC and original creditor is XXXX XXXX. It claims the open date is XX/XX/2018. The status is open and the last reported date is showing XX/XX/2018. The amount of the balance shows to be {$700.00} and it is placed for collections. I have not opened any account with this creditor and do not use this company and never will. I don't know if the company has made a mistake or if my identity was stolen but I can assure you I did not open this account and I want it removed immediately. It's amazing to me that in a 4 month time span without ever sending me a notice in the mail, a creditor can just place an account on my credit report for a collection I don't owe. It should be a criminal offense and come with a large fine and jail time for the CEO. I'm sure XXXX XXXX XXXX make enough money that they need to stop attempting to steal from a working middle class family.
My account status for XXXX XXXX is labeled as transferred when in fact it has been Paid through a collection agency but has never been updated as so. This is affecting my credit because it appears as though there is still a balance owed AND it is being reported on my credit report XXXX with the exact same account numbers. The second page of my attachment has the letter stating this account has been PAID.
I transferred a {$7000.00} balance from American Express to a credit card with my personal bank, XXXX. This was initiated on X/XX/2017. The balance did not appear on my statement for over a month, so my bank issued a stop payment and a new check. American Express stamped the check for deposit only on X/XX/2017. American Express says there was a stop payment issued on that check 8 DAYS AFTER CASHING. Not only is it not possible to reverse cashing of a check more than a week later, but my bank says they never issued a stop payment on this cashed check, check # XXXX. They issued a stop payment on the previous check sent which supposedly never made it to Amex because it was the wrong address. I have filed 4 disputes with Amex and had 4 conference calls with my bank representative and alternating Amex representatives. XXXX is now keeping me in regular communication with their Executive Client Relation Manager : XXXX XXXX. I have made over 30 calls to Amex and my bank each in the last 8 months. XXXX ( sp? ) in the Billing/Payment department at Amex was handling my case for a period of time recently, but again every time the dispute is investigated there is not much digging done and they come back saying the stop payment returned the check. I am now being held responsible for this balance with both institutions. My credit report is dropping rapidly since it shows I have 2 credit cards maxed out. I am also not capable of paying both of the minimums on these cards while they 're both showing the balance, so I have to not pay my Amex bill which will send me to collections and destroy the remaining credit score that I have. PLEASE, I AM DESPERATE FOR HELP.
My mortgage refinancing application was erroneously withdrawn by Citibank. They are alleging that I have not submitted the required paperwork on time. To date, I have not received a satisfactory detailed answer of which document was late beyond the general answer that my loan application has taken so long. They issued a new loan application with different rates, to ask for the exactly same documents, at a higher cost.
My student loans payments with Navient were out of reach and a physical and emotional burden. Navient knowing my complaint and my continous struggle to pay, Navient offered and encouraged me to apply for forbearances instead of any other option. I recently did some research of my own and was angry to find there were better options available such as income-driven repayment and loan forgiveness plans., this is only after I did a forbearance for the third time. When I contacted Navient and explain my concern and my inability to pay the high monthly rates they suggested the better option to keep my loans in good standing in forbearance. she also reminded me I previously had income-driven repayment option in the past and its a one time option. How is that fair? I should be offered income-driven repayment option as long as my income is inadequate .I was never giving the option for loan forgiveness or information on how to qualify. I later find out the interest is still being added to my loan balance that now only push my loans extremely out of reach and unaffordable. My loans increased by a few thousand dollars. I ca n't believe striving to better yourself and seeking a education would be so expensive. I regret ever going to school it was the worst mistake of my life to have loans totaling XXXX and a job that pay XXXX a year. I will never be able to recover from this debt. 
Navient is a scam and because of this debt I will never experience financial freedom.
A debt sent to collections that belongs to my father is being inaccurately reported as my own. My father and I have the same name and address. They are constantly reporting the debt as mine and ruining my credit.
I applied for a mortgage through US BANK and they have been working on it for almost 45 days now. I get a phone call yesterday stating we ca n't close on time because they do n't have everything they need done. The bank would call us and give us less than 24 hours to get them what they need instead of calling ahead and letting us know what they need to get the loan to close. Then they say they wo n't be able to close for an additional 2 weeks. They push all the blame on me and my agent saying that if we would have gotten everything to them in time they would have been able to close the loan. However they had everything except the final inspection done. So I pulled my loan from them another lender looked at it and said the reason they ca n't close is the paper work us bank had set up was wrong and would not be a qualifying loan.
If i knew my repayment options and that I could even make XXXX payments a month i would have done it.all i got was emails stating if i wanted to use the forbearance option type something and my loan was extended,. I recently made the call myself to find out what was going with my loan and came to found out im 3 times more in debt. i have been so stressed out thinking about how i will pay.i wish i was told about how much loan amount was increasing due to forbearance.
1st conversation with Midland - Date Unknown The representative from Midland Credit Management called explained that I had a debt from XXXX in excess of {$2000.00} and that they wanted to settle the account. I asked them to mail me proof and to give me payment options if everything checked out. They explained that they were n't going to mail me anything and that the only payment they could take was over the phone via debit or credit. I told them that I would not ever give them any of my account info but I would be willing to mail a cashier 's check if the debt was real and if they were who they said they were. They said that they could not accept payment in this fashion and could only take debit/credit. They then threatened me with a lawyer. I told them if they want anything from me, they need to mail me a verification of the debt, then I hung up. 

XXXX/XXXX/16 I spoke with XXXX XXXX from Midland Credit Management. He, again, explained that I had a debt of over {$2000.00} to XXXX and that he was a debt collector trying to resolve the debt. I explained that I had reviewed my credit report and the charge off, according to my credit report, was under {$1000.00} and that I would like written explanation about the debt that I owed along with proof that he is who he says he is. An account manager got on the phone and told me that all of this could be handled with conversation and that they had already mailed an explanation of debt to my old address ; one I had not lived at since the end of XXXX, 2016. I asked that she mail another explanation of the debt to my new address so I could have it in writing. She said that she would not be able to do that because their system would n't allow them to resend letters. She then went on to explain that time was not on my side and that the debt would be turned over to an attorney. I told her to go ahead and do that. 

XXXX/XXXX/16 I spoke with an individual who did not identify himself but did say he was from Midland Credit Management. He called trying to collect a debt on a XXXX XXXX account. He also said that he is trying to avoid the account being turned over to an attorney. I explained that I spoke with someone in XXXX and requested that a letter be sent to me explaining the debt and for conformation purposes that they are who they say they are. The gentleman explained that they had no record that they had ever spoken with me. He also gave me the same story that they could not send a letter or fax one to me because they have already sent two, none of which came to me. I asked the gentleman to please mail me a letter identifying my rights, identifying themselves and explaining the debt ; then I hung up.
undisclosed fees from my mortgage company showed up on a statement, when I called to question them .... they said they were fees dating back since 2011 for driving by my home to see if it was still occupied even though I have always made the payments.
Follow up to Case number : XXXX I am writing because a response was never received from this company. It is also reporting negative on my XXXX credit report. I request this be removed as their was no response from the company. 
The original complaint was sent XX/XX/2016