WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I applied for an auto loan at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX. XXXX XXXX was one of the inquiries and instead of using one or two of the three major credit bureaus, they used a company called XXXX XXXX XXXX. I was unaware of this company  and this when I received the letter of rejection, I saw the decision was based on information provided to them by both XXXX  and XXXX. As previously mentioned, I had no idea who/what this company is/does, but score my was almost 200 points lower than it really is. I don't want my information being shared with and by them and would like to prevent this from happening again. Thank you.
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/XXXX and XX/XX/XXXX by : XXXX/XXXX XXXX XXXX
I am filing for a loan modification through the program harp set by the government because i am behind my mortgage payment with Ocwen mortgage servicing, llc, and the relationship manager for my case have encouraged me to do so since the principal amount and interest have been accumulated to {$21000.00} u.s and the bank will not consider a deffered mortgage payment. However, i need help to obtain the modification with OCWEN mortgage, because all papers ' work has been filed and sent to the bank three months ago. But the bank consumer department issued a relationship manager to help with each case.However, this relationship manager by the name XXXX XXXX working for the bank has developed a tactic to prolong the papers'work by extending the scheduled appointment each time for next month under the pretext that my papers works or documents are not completed so that the principal amount for the mortgage will be accumulated every month and the interest accrued before sending my application for loan modification to proper authority or government agency for practical review. I inquire and suggest a torough investigation to be conducted by the consumer finance department about my loan modification application for my property and the time consuming to obtain my approval and all the papers works which were provided to them along with my application. 
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In the hope to hear from you ... .. i salute you in the three points of the triangle..
Company : Equifax Equifax mishandled my information, which puts me and countless other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Portfolio Recovery They are calling me 2-3 times a day from numbers all over the country but recently, they have gone local ... XXXX and even right here in my city of XXXX. I asked them where they were calling from and of course they repeat " Portfolio Recovery '' and I say, " No, what city and state '' and I get " West Virginia ''. I say, " How are you calling from a XXXX number, then? '' I get, " Oh, we have numbers all over the country. '' This, of course, allows them to contact you way more than they are suppose to be doing, so it's harder to prove that it is them. I can certainly call up my phone log and highlight the calls if need be. I'm just really tired of this. If they want to contact me, that's fine but to get me to answer in the middle of work by sending their number as a local number is not cool. I think it's an emergency or something with family and I take it and this all goes on during my work time. I asked them not to do this.
I was told my credit card account was sold to XXXX XXXX XXXX. I called them at XXXX. After speaking with XXXX XXXX, XXXX XXXX, and supervisor XXXX XXXX. I was told I was being represented by an attorney, which I am not, nor have I ever been. I attempted to set up payment arraignments, but was refused. Due to the three representatives refusing payment do I consider the debt forgiven? If there is monies owed why would they refuse settlement or payment?
Not to long ago trans union deleted inquires on my credit report and 1 week later reinserted then. I was never notified of this and it has affected my score. To a point where I am unable to purchase a house. It brought my score way down.

1. XXXX XXXXXX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX6.XXXX XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX XXXX 1XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX.XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX13.XXXX XX/XX/XXXX14XXXX XXXX XX/XX/XXXX 15.XXXX XXXXXX/XX/XXXX 16.XXXX XX/XX/XXXX17XXXX XXXX XX/XX/XXXX 18.XXXX XXXXXX/XX/XXXX 19.XXXX XXXX XXXX XX/XX/XXXX 20XXXX XX/XX/XXXX 21. XXXX XXXXXX/XX/XXXX 22. XXXX XXXX  XX/XX/XXXX 23.XXXX XXXX  XX/XX/XXXX.XXXX XX/XX/XXXX
1. Navient Loans ask for an email address then do n't send information by email or paper. I removed my email address and told them to mail information on paper. Which are still slow an inaccurate. 
2. Now I ca n't log into my account without signing up for paperless communication. 
Are they allowed to do that? 
3. This my daughter 's cosigned loans. They wo n't give me any info about these loans. They did'nt take auto payments in 2014 and did not communicate. When they found the errror the harrassed me to no end. I gave them a set of payments for XXXX month and they were calling back the next day asking for the rest. This is even though my daughter was making payments. She told me today to never give them money because it goes to fees that are likely wrong and she is better off working with an acct manager to resolve any issues that are usually attributed to a Navient error.
Equifax gave my personal information ( social security number, name, address, etc. ) to hackers through their blatant negligence. As a XXXX XXXX, I can say with high confidence that literally any basic measures they could 've taken to prevent this were not taken. In addition, they are trying to put language in their " remedy '' to prevent people from suing them for their negligence. They are in charge of helping to determine my livelihood, whether I can buy a house, buy a car, get a job. And they ca n't be bothered to have basic security measures in place? Unacceptable. They should be held liable for any negative consequences that result from their gross negligence. The language in their terms of service attempts to prevent this. The act of trying to get people to get to agree to that document should, in and of itself, be a crime. But they have more lobbyists and lawyers than I do. So, I 'm not hopeful that even minor penalties will be imposed upon them. Regardless of their irrefutable damage to hundreds of millions of honest, hard-working Americans.
My account was used to process a fraudulent checks. I was supposidly hired as at the XXXX as an XXXX XXXX. My job was to XXXX for the purposes of travel and other expenses to the other employees at the XXXX XXXX XXXX. As a result the false checks bounced back into my account leaving me with the negative balance. Unfortunately my bank is about to submit me into collection since I have no money to offset the balance. I am currently unemployed, leaving with my parents, and unable to make my ends meet.
I had an account with  XXXX   XXXX   XXXX  back in  XXXX  ; however, I did have their equipment which was showing that I owed  XXXX   XXXX   XXXX  {$500.00}. On  XXXX / XXXX / XXXX  at  XXXX , I physically returned the equipment and received a receipt showing the return of the equipment. There was no information indicating there was a balance on the account. I called  XXXX   XXXX   XXXX  ( now known as  XXXX   ) one wee k later asking on when my credit report would be updated accordingly. I was then advised that I owe {$220.00} from a previous address back in  XXXX . I explained that I did not have an account with  XXXX   XXXX   XXXX  back in  XXXX  -  XXXX  with the address identified, yet during that timeframe I did have an account with   XXXX   XXXX  . And the account I held with  XXXX   XXXX  closed when I returned their equipment back in  XXXX . The representative explained that  XXXX   XXXX   XXXX  acquired  XXXX   XXXX  which is how the delinquent account appears on their system. I then explained that even it is possible that I owe an amount with   XXXX   XXXX   ( which I do not ) it is past t he statue of limitations to collect and merging a previous bill does not seem to be right.  I then asked for a bill to substantiate the amount owed. The representative then advised that they are unable to send a bill via regular mail or e-mail but I could go to a store to request this information.  
  
 A few days later I contacted the collection agency asking for more information and I was advised that the amount owed is now {$220.00} instead of {$500.00} and if I need to dispute this information, then I can go to their website and add my dispute.  
  
 I contacted Transunion by phone to dispute and a few days later I received notification that the {$500.00} amount is reporting accurately. I have also tried to dispute this with the other major credit bureaus and I am unable to move forward with my dispute. I am also unable to re-dispute this inaccurate information with Transunion.  
  
 The issue here is that this information is still reporting the same on a ll 3 o f my major credit reports even after I returned the equipment to  XXXX   XXXX   XXXX  and was given a receipt that did not show information that there is a remaining balance.
Seterus refuses to properly service our loan. 
1 ) Seterus refuses to publish 6 years of on time payments to any of the credit bureaus. 
2 ) Seterus refuses to provide monthly statements via mail or online 3 ) No online access to previous or current statements is being made available. 
Seterus told us to send a request via fax to them which they confirmed receipt on, but there has been no written response received in over 30 days. 

Seterus is hindering our ability to rebuild our credit since declaring bankruptcy in 2011. We completed a HAMP modification and have made all payments as agreed since then. We are now eligible for our 6 year ontime payment reward, but it seems that Seterus is doing all they can to have us miss a payment. 

We seek your assistance to remedy this asap. 
Thank you
The debtor called and left a voicemail. They did not disclose that they were calling about a debt and then left information regarding my personal direct deposit information without any indication of what this was about.
I viewed my pristine credit report and to my horror saw a collection from Harvard collections dated XXXX in the amount of {$500.00}. I called Harvard collections and they stated that this is a debt from XXXX! This is clear violation of the law! <P/>1. I Never received notice from Harvard of the alleged debt from XXXX! prior to listing on my credit report. <P/>2. The debt is not mine! <P/>3. The debt that Harvard is trying to collect is past the statute of limitations Harvard is well aware the debt is from XXXX! But Harvard is listing it as new XXXX and XX/XX/XXXX. <P/>I disputed with XXXX-updated stayed the same, filed a compliant with you- XXXX -received a letter from Harvard Collections post marked XX/XX/XXXX stating, They received information that I dispute the validity of the listing on my credit report. Please send information to support my dispute within 30 days. Information must be mailed in order to process my claim. <P/>4.How can I send information that I do n't have, to me does not exist the debt is not mine! And debt is from XXXX! Harvard is listing as new in violation of the law!
I do n't see the logic behind a credit freeze being offered free of charge with a valid police report but forcing the ID theft victim to mail all the sensitive information. This is punishing ID theft victims instead of those who choose to file the freeze online for {$10.00} with each bureau. 

The credit bureaus seem to be coercing individuals to pay the {$10.00}. Being the victim of a recent identity theft, I feel uncomfortable mailing all sensitive information such as the requested copy of a drivers license and full SSN to have my credit frozen free of charge.
Citibank Checking account balance falls negative because of their monthly maintenance fee and my joint account with my My spouse was reported to credit bureau and my score and my spouse score dropped more than XXXX points after that i took car loan and it cost me 7 % interest rate instead of 1 % .After mutiple calls and complaint citibank has not fixed my issue.
I am in receipt of Schlee & Stillman LLC. letter informing me that they are handling the collection of an account with the ending reference # XXXX which is a false account. After reviewing my records, I am unable to find any documentation of any contractual relationship between Schlee & Stillman LLC., and me which makes them a person entitled to enforce a commercial claim against me. They have not provided any proof of contract to substantiate their claim. Such as a certified copy of an original contract with my signature, specifically naming Schlee & Stillman LLC., as a business entitled to enforce a commercial claim against me.
In XXXX 2014, A divorce decree was signed for my ex and I on grounds of adultery by him. The settlement gave ex the home in Illinois, and he was supposed to remove my name off the home/loan. I sent a copy of this decree to the mortgage company requesting my name be removed off the VA Loan which my ex is the VA loan holder. I have not lived in the home since 2014. I 've signed a quit claim deed for the property to allow him to refinance or remove me from the financial obligation but he did NOT refinanced and the home is NOW in FORECLOSURE. I have a job where my credit must remain intact. I 've contacted Wells Fargo AGAIN to no avail. I want to buy a home and keep my job and need help removing this blemish off my credit report.
There are a number of issues wrong with this debt. For one this debt is past seven years old. Secondly this was handled by my insurance multiple years ago, thirdly this is a third party, a debt collector getting debt from another debt collector. I have no contract with this company and have no debt with this company. They have not contacted me before parking this debt on my credit report. I know the cfpb has a strong stance against debt parking, especially old debt from over 7 years ago. This needs needs to be removed IMMEDIATELY before any further monetary loss is made. Im in the middle of a home loan and if this illegal tactic effects it we will really have problems.
Irecieved a consumer credit report claiming I was denied for AMEX serve card. upon contacting American Express I was informed that I was approved and there should be no reason on any file to deny my Request since the Credit Company itself did not deny me access.
I have a few Chase credit card account 's with my wife, however, there is an individual past due Chase account listed on my credit report, as an individual account. I have never had an individual account with Chase. I have asked for copies of documents, to no avail. This is not my account, however, I keep receiving communication from XXXX after that have been told, this is not my debt.
On or about XXXX XXXX, XXXX, I received a disclosure of credit score information ( XXXX ) from XXXX XXXX. I continue to see the very same key factors that are adversely affecting my scores. 
The very same key factors have appeared on disclosure received on or about XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Disclosure attached for your information I have file complaints to credit bureaus and the Consumer Finance Protection Bureau. XXXX credit bureau XXXX responded that key factors will not be deleted. Why? Experian responded that dispute was not specific. How specific must I be? In the disclosure information it clearly states the key factors that are adversely affecting scores. There were no specific accounts provided. I have not received any responses from XXXX on this issue. Each XXXX of these disclosure information pages appear to be identical to each other. I am shocked that XXXX of the credit bureaus has the audacity to comment that these adverse key factors will not be deleted. Does n't this credit bureau realize that continuing to report these adverse key factors are affecting my financial life style? 
After reviewing the latest credit files from EXPERIAN XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ) and going line by line I found no evidence to support these adverse key factors.
I had XXXX credit cards with Chase bank. All XXXX were closed by Chase for " business reasons ''. No late payments all payments on time and they closed my accounts. 
I contacted them and no one could give me a reason.
On XX/XX/XXXX, I paid {$1.00} to Experian to purchase credit report. 

On XX/XX/XXXX I was charged {$21.00} from Experian for my monthly service charge that I never signed up for. 

On XX/XX/XXXX I noticed these charges on my credit card and called Experian to " cancel '' my account that I never opened. They canceled my account. I also asked to remove the {$21.00} fee and they refused. I call my credit card company to dispute the charge and to never allow Experian to charge my credit card. 

This is fraudulent behavior as the website never makes it clear that it will be charging you a monthly fee going forward. I believe most people will not file a complaint for fear of reprisal as Experian is rating your credit.
This debt was paid in full by XXXX in 2011, which was the insurance held by the at-fault party of the auto accidentthat lead to my ambulance charges. I have attempted to dispute this debt with collection agency but they refuse to remove from my credit file.
After losing my job early last year, I entered Wells Fargo 's Unemployment Forbearance program, which temporarily reduced the amount of my monthly mortgage payments. I understood from Wells Fargo that during participation in the program, " even though your monthly plan payments are lower than your regular mortgage payment, the difference in the payment amount will accrue and become due at a later date. '' Wells Fargo claimed that " a forbearance plan may initially have a negative impact on your credit score, but it may be less negative than a series of late payments because you have made official arrangements with us ''. ( XXXX ). 

In point of fact, my credit score has been decimated, because Wells Fargo reported to the credit agencies that my payments have been late since XX/XX/XXXX But I never once made a late payment while in the program. In fact, payments were typically made before their due dates on the first of the month. Prior to my unemployment, mortgage payments were deducted automatically from the checking account I own jointly with my husband, and so therefore were never late. 

When I disputed the inaccuracy of their reporting, and asked that they correct the credit score they ruined, Wells Fargo insisted that they would not, since they claim that they reported my payments accurately, and therefore " determined that your account was handled appropriately and no adjustments are needed ... During that period of time ( XX/XX/XXXX to XX/XX/XXXX ), we will report to the credit agencies that you are paying your mortgage under a 'partial payment agreement ' in addition to the monthly contractual due date. '' What is not included here, what they neglected to tell me, but an official at TransUnion informed me, is that they reported the accumulated difference between my reduced payments under the program and the regular payments as " past due. '' This is what caused my credit rating to plummet to an F, despite a lifetime of good credit scores, and my never having missed a mortgage payment in 30 years of owning homes. 

If Wells Fargo had advised me accurately and honestly that entering into this program, which was meant to be a help, would result in the utter loss of my good credit score, I would have refused to participate. I filed XXXX disputes with Wells Fargo to no avail. I 'm still unemployed. Paying my mortgage up to now, including the accrued amount of {$24000.00}, has completely wiped out my retirement account. My house is up for sale as I intend to buy a cheaper house out-of-state and hopefully eliminate mortgage payments during my retirement. No one at Wells Fargo ever advised me that entering into the forbearance program would have such a detrimental impact on my credit ( and my husband 's since we own our home jointly ).
On XX/XX/2017 I received an email from American Express that my Bluebird card denied a transaction due to insufficient funds. I accessed my account and found numerous unauthorized charges, both posted and pending. I called customer service and disputed the posted transactions and also notified them of the pending transactions that were fraudulent. My card was canceled and they started the process of sending a new one. 

On XX/XX/2017 I received an email indicating my disputes were declined and my account locked due to violating the membership agreement. At this point I was no longer able to access the account. I received more emails indicating the account had a negative balance, despite the fact there was a {$75.00} balance when I disputed the charges and the card canceled ( fees? ). Upon calling customer service again, there was no satisfaction, no explanation as to how it was determined the charges were valid or an explanation of which charges ( or all of them? ) were determined to be valid. 

The amount gone from my account is approximately {$2300.00}. Since I am unable to access the account, I do not have the ability to determine exactly how much money, what all the charges are and what the balance should be. 

As part of this resolution, I want a complete list of all the transactions on the account.
On XX/XX/2018 I received updated report from Transunion my credit file has been shared with other person file this is the 3rd time this year that this mistake has happend not only my credit file has been shared with someone else also there is a collection place on my credit file that is not mine my credit score was XXXX on Transunion the coolection dropped my credit score by 33 points im in a middle of getting a busniss loan this mistake by Transunion it's distroying my chance to get the loan i payed all my credit cards to have a low utilization i made sure that my credit looks good to qualify Im verry dissapointef how  Transunion keep making the same mistake im attaching a copy of the report dated XX/XX/2018and also one dated XX/XX/2018 Thank You