WillisBack/dataset-financial-user-claim huggingface dataset:
During the process of doing an assumption of a mortgage loan with Penny Mac, they pulled my credit twice within a three ( 3 ) month period. This was not needed, acknowledged as an error by their employee XXXX XXXX XXXX # XXXX, yet never removed from my credit bureau and is reporting as showing until 2017.
These people keep calling me after I have put in numerous requests for them to NOT contact me. I have also contacted the original creditor who does n't have my information on file. They have been unwilling to verify ALL XXXX debts that they have me in collections for. REMOVE from my report and STOP contacting me!!
I have previously disputed several erroneous credit unquiries on my Experian report. THERE WAS NO WRITTEN CONSENT GIVEN. Under the Fair Credit Reporting Act experian must investigate and verify disputed items. Simply saying they are valid inquiries without actually looking to the matter is NOT SUFFICIENT. These are the inquiries, I have not given written consent for these inquiries as the law requires for them to be authorized : BK OF XXXX - XX/XX/XXXX CAP XXXX NA - XX/XX/XXXX XXXX  XXXX NA - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX XXXX BANK - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 2017
I received a payday loan from the Cash Store approximately XX/XX/XXXX. I made approximately 4 or 5 payments on time and could not keep up. I contacted the store about possible options. They told me I would have to contact the corporate office. I spoke with a representative in collections approximately 3-4 months later about making a payment. The representative said if I paid the amount listed the company would take a loss because they were not making any money off the loan. I apologized and told him I was trying to get the debt settled. He accepted payment on the phone and I never heard anything else about it until last week. I now have a collection for {$150.00} from XXXX XXXX XXXX. I have been looking through my personal statements in attempt to find the exact amounts and dates paid. I can only recall that the loan was over {$1200.00}. Cash Store said the loan was {$1200.00} and it was opened on XX/XX/XXXX. They can not give me any payment information. They can not tell me how much I paid or when. They told me the account was sold to XXXX XXXX XXXX. I have since spoken to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. No one can provide any documentation proving I obtained the debt and still owe {$150.00}. I made a single payment to resolve this debt. There is no way possible I still owe {$150.00}. The collection showed up on my credit report this month. I have not been able to resolve this issue and no one can provide any proof of prior payments. I spoke with XXXX XXXX on XX/XX/XXXX. He said the companies cant retain all of that information and told me I was wasting my time to investigate and it would be easier to just pay it. He could provide any proof that the money is owed.
It has been brought to my attention that the accounts opened in my name at BBVA Compass in XXXX, Alabama were assessed maintenance and inactivity fees after the balance was brought to XXXX dollars, and subsequently then charged off. It is concerning that a financial institution would assess maintenance and inactivity fees to an inactive account after the balance reached XXXX dollars and then charge off the account, rather than simply closing the account when it reached XXXX dollars. When an account ( s ) does not have activity and the account ( s ) have not been accessed either via online banking, mobile banking, the ATM, nor has the customer contacted the bank, it should not charge fees to account after the balance is XXXX. I would like the bank to reverse the charge off and properly close the account at a XXXX balance, and reverse any negative information reported on me to any outside agency or bureau.
I have disputed with Experian a couple of times, I feel like they 're not properly investigated my dispute. And all they 're sending me every 30 days is a credit report no letter about the information about my investigation of my dispute. I have asked for them numerous times.   Account :   XXXX   XXXX    XXXX
I 've been paying my mortgage since the first time i received my first payment letter, but now statehome mortgage has sold my loan and the new mortgage company is saying im 120 days behind. How is this when i have all bank statements confirmation emails etc, showing when ive paid my mortgage in full
According to the Fair Credit Reporting Act ( FCRA ), past due accounts can only remain on your credit report for seven years from the first date of delinquency. My account with XXXX XXXX XXXX become delinquent on XX/XX/2010. The first date of delinquency is in excess of seven years ( 7 ) and should be removed from my credit report. In addition, a collection agency, XXXX XXXX XXXX, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed. I have filed disputes with the respective credit repositories -- but both accounts continue to be listed as negative / outstanding items on my credit report.
The company refuses to work with me after contacting them to let them know I could not pay for my necessities and asked to work out a payment plan. They have already been paid more than enough for the original loan. I acknowledged the responsibility for the debt and offered to work out a reasonable payment plan, but it was refused.
Credit Bureau added back on inquiries to my credit profile that were not on there. I had a fraud protection placed on my account and XXXX XXXX said that it was deleted after 90 days where as I initially put in on their for an indefinite period of time in XXXX 2016. I asked them to provide me with the documents that warrant them publishing this information on my credit file and they said they do n't have any documentation. Thus all inquiries below should be removed from credit profile. 
XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX
While enrolled in a XXXX program at XXXX University, Navient charged me Late Fees each and every month. The terms of my loan state that loan payments are deferred WITHOUT late payments when enrolled as a student. 

Beyond the late fees, Navient has consequently harmed my credit score.
I have attached a copy of the accounts that are fraudulent as well as the inquiries that are fraudulent along with a copy of the police reports have sent them to Equifax numerous times for them to rectify the situation however they continue to report the information as being accurate although I have sent in a copy of the police report from the state  and county I  live in.
On XX/XX/17 3 transactions posted to my account : {$80.00}, {$27.00} and {$5.00}. My balance at the time was {$41.00}. Chase, in bad faith, processed the transactions from largest to smallest, triggering 3 NSF fees. I had enough funds to cover two transactions, but Chase, in an effort to illegally generate more fees, processed the transaction in a way that created more NSF. I had to miss school and ended going to the doctor due to XXXX  XXXX after spending over two hours on the phone with them trying to fix this issues.
I have now disputed this 3 times and you keep closing this telling me this is a duplicate ... This is NOT A DUPLICATE. This is not mine and should not be on my account. They have not sent any proof this is mine and I have never been to where these bills are for. Please look into this as I need these removed from my credit report. The last compliant that you said was a dup was XXXX
I contacted XXXX XXXX on XX/XX/XXXX in reference to two alleged late payments on XX/XX/XXXX ( 30 Days ) and XX/XX/XXXX ( 90 Days ). I reviewed the information that was provided to me by XXXX XXXX and I disagree with this information reporting via Transunion, XXXX, and XXXX. 

I never was late on these accounts.
I had filed several disputes to Equifax XXXX XXXX Department and to no avail I have gotten anywhere with them on ( XXXX ) accounts that are not mine I even took them to court in small clams and won judgement of {$1500.00} but they have yet to pay the court cost of {$58.00} which they said they would nor did they removed those ( XXXX ) accounts on my business credit report. Since then they have block my credit from creditors from pulling my credit to establish credit with a home mortgage loan, car, and even joining a monitor service
there has been an account opened in my name with the company care credit which i have never been with them and i have never had to have them so i am asking that this business remove this from my credit reports and get rid of this debt name is XXXX XXXX ssn is XXXX please remove this
I purchased a vehicle inXX/XX/XXXX it was refinanced in XX/XX/XXXX because my paydays changed so they put it on my credit report. Then it XX/XX/XXXXmy car was repossessed for late payments so they added that to my credit report as well. I made all of the late payments  and my car was back in my possession. I paid the entire loan off inXX/XX/XXXX and received the title. A year later asked could they remove those two items of my credit report and they refuse to do so. Saying my car was repossessed but i have have the car and title til this day.
Hello, my name is XXXX XXXX XXXX. I have been trying for the last couple of months to settle a dispute on my Transunion credit report. On my report it shows that I have a mortgage with XXXX XXXX XXXX, inc. ( XXXX ). This account ( XXXX ) was not mine and my social security number ( XXXX ) was incorrectly and illegally tied to that account. I tried to bring this to Transunion 's attention in XX/XX/XXXX and XX/XX/2016 but nothing happened. 

I have communicated with XXXX and now have the issue with them resolved. However, the account still shows up on my credit report. This is stopping me from future loans/mortgages. 

This needs to be taken off my credit report due to it not being my account. As I believe it, XXXX have sent this information to Transunion. I have also tried several times to report this to Transunion. 

Attached is a letter from XXXX stating that they have resolved the issue and reported it to Transunion.
Step 1 : What is this complaint about? 
Back in XXXX I transferred all my credits from XXXX college to XXXX XXXX, graduated in XXXX ; however, the school was shut down and no longer accredited. 

Step 2 : What type of problem are you having? 
I 've been to several job interviews and my degree is not accepted due to the accreditation. I 've been told the that my transcript and degree not accepted or recognized. I lost my job on XXXX XXXX, currently back in school pursuing another degree at a junior college. 

Step 3 : What happened? 
The Board of Education did not recognize XXXX-XXXX XXXX ; therefore, the grades/transcripts are not transferable and degree not recognized. 

Step 4 : What company is this complaint about? 
XXXX-XXXX XXXX, CA Step 5 : Who are the people involved? 
I currently owe money to XXXX ( Private Loan ) Total {$14000.00} and XXXX ( Department of Education ) Total {$39000.00}. My original loan was {$77.00} XXXX.
In XX/XX/XXXX of this year, I called in to see what options are available. Currently I was on an IDR and thought that I would like to change to something where I didn't have to give over my tax information every year. The quoted me an amount that my monthly payment would be under the new plan, but it turned out to be around {$100.00} more than what they said. They told me I need to pay almost {$1000.00} to exit the plan, I asked why, they said they would not be able to proceed without that payment. After I was notified of what my monthly payment would actually be, I called in to ask why the difference? It was on that call that I found out that the {$1000.00} payment I did was not necessary. They said they couldn't do anything to change my monthly payment or the fact that my interest capitalized ( which I specifically asked about and they said it wouldn't ). They could however, return my payment. I have talked to them on a half a dozen calls over the last 4-5 months. They can't give me any explanation as to why my refund hasn't gone through, but they always need another 2 weeks before anything will happen. 

I've been paying more than I was told I would for the past 4 payments. I'm not sure if I'll ever be refunded the amount they've told me I would or not. They have taken actions on my account that did not match what I approved. Now, they aren't doing anything to fix it. I have never had a late payment and my account has never been delinquent. They get to make decisions regardless of what I call in to ask for. I'm thankful I can afford what they are taking from me each month for now, but no one there can seem to correct the mistakes that one call center rep made on my account. 

I was better off having never contacted them and I really wish I could go back before this all happened. I have no control over my loans or my payments and don't know who I can contact to remedy this situation.
I have a hard hit inquiry on my credit reports from BARCLAYS BANK DELAWARE. I do n't recall completing a form or request for credit from this institution.
In XX/XX/XXXX the credit card was used to post a fraud check, from where I have no idea. Then once paid they began to charge it back up. The check seemed to clear prior to it being ran up again. 

I do n't remember exactly when they told me that a check from a payment bounced, i 'm sure it was not just a few days, more like a month or so later. I know it only takes a few days to a week for a check to clear and the person that cashes it would know if it did bounce. 

Once it " bounced '' they cut off ALL my credit cards, which put me into a bit of a financial problem. I need to use the cards because my pay for my jobs was delayed for more than 30 days often. 
I had 3 cards with them and if there was a problem with one account it should not have effected the others. I kept telling them I did n't do those things. They said it did n't matter. I just kept trying to pay them, some time with a late charge but ot 30 days late.

XX/XX/XXXX they posted the " bad '' check back onto my account and I called them and they said they opened a fraud case, but never got back to me. I tried calling them several times. I finally gave up and opened a case with the BBB, Capital one came back and said they would not doing anything about my issue. which is why I 'm reaching out to you. I have a log of activity, the BBB compliant info. I will provide you with everything I have. 

I have since XXXX-XXXX only making partial payments.
XXXX / XXXX / XXXX  : Purchase  XXXX    XXXX   XXXX   E-Gift card through  XXXX , each card worth {$50.00} store value. Seller -  Paypal Digital Gifts.       XXXX / XXXX / XXXX  : I found out  XXXX  of my   XXXX   XXXX   E-Gift card got  XXXX  balance, I tried to contact   XXXX   XXXX   and  Paypal Digital Gifts,  they both  XXXX  the problem back and forth. I called   XXXX   XXXX   and get the transaction detail of thoes  XXXX  gift card, which will list below  XXXX / XXXX / XXXX  -  XXXX / XXXX / XXXX  : My   XXXX   XXXX   E-Gift card was used by someone else located in Florida, where I am a resident in Minnesota the whole year.
Went to a new Chase Branch in XXXX CA on XXXX XXXX XXXX, was greeted by the branch manager, was trying to deposit a cashiers check in my business account and was told because it was addressed to me personally that I was not allowed to sign the check over to my business which I have done over a 1000 times with every other representative at chase over the last 7 years I 've had this account. I asked if she can ask a supervisor and she said she was the supervisor and that she will NOT be depositing this check into my business account. I felt I was being discriminated against based off how she was responding to me and how unprofessional she was behaving on a simple request. 3 business days later, the completely closed my business account and no one at chase would give me any reason as to why. I have been with them for 7 years with zero disputes or issues and my account has always been in good standing. this was strictly done in spite because the manager was discriminating against me and had no justification for treating me this way and ultimately banning me from this institution. I will fight this until justice is served.
I have inquiries on my credit report that are a hard hit, that I have not requested or authorized. The hard hit is affecting my credit negatively. I have requested for the company to remove them, and was told that there was nothing that could be done on their part.
My name is XXXX XXXX, and for the year XX/XX/XXXX enter the Alma Financial program ( license XXXX   XXXX ) to help us consolidate our debts in a single monthly lake. We were in the program until XX/XX/XXXX, since I completed the correspondent payments with my clients. With the exception of a single creditor, who rescues them, since, as we are trying to buy our first home, in the managements of it, we realized that we were affecting the credit and decided to handle it personally without intermediaries. Today I have communicated four times to the offices, because we need a payment experience letter. I even went personally and it is closed, they do not have a fixed schedule. They do not attend clients in person. I urgently need that letter, since, we are in mortgage process. First they respond that they can write me a letter because I'm not in the program anymore. Then they tell me they have to talk to management, but they are not available. Then they tell me, that it is the legal division that has to do the most. And finally they tell me that they are going to send me a letter indicating that we already cancel the program, and they will send it by mail but in several weeks, they do not know when they can do it because they have a lot of volume. I'm terrified that because of the inefficiency of this program, I can not get my home. At this time, my family is living separately.
Drive Time  XXXX  received a certified payment from me in the amount of {$300.00} attached to the payment was a contract written and highlighted that stated : Accepting and applying this payment your company agree to remove ALL LATE PAYMENT REPORTED TO THE  XXXX  CREDIT REPORTING AGENCIES  XXXX ,  XXXX , AND  XXXX . The payment was applied and accepted I also received and email confirmation thanking me for the payment as well. Since applying the payment under the term noted on the money order payment  XXXX  has yet to honor the terms of applying the payment. I am requesting that ALL (  XXXX  ) LATE PAYMENT REPORTING BE REMOVED FROM MY REPORTS.
This account has been disputed several times to XXXX, Experian, and XXXX-XXXX  and the outcome is always VERIFIED as ACCURATE. The pages attached are from XXXX and Experian is also reporting identical data. 
XXXX XXXX  XXXX sent me a IRS XXXX Discharge of Debt on account number XXXX and the date reflects XX/XX/XXXX in the amount of XXXX which differs from the {$2400.00} currently reporting as accurate. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-5 ) a XXXX  ( XXXX ) balance, paid charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-3 ) a {$2400.00} balance, {$1700.00} past due balance, charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-2 ) a XXXX ( XXXX ) balance, paid charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-1 ) a {$2400.00} balance, {$1800.00} past due balance, charge-off. 
On XX/XX/XXXX, I mailed an Affidavit of Truth and fact to XXXX XXXX to clear up the problem of reporting unverified information from XXXX XXXX ; a similar affidavit was mailed to Experian with a notary of the public page completed in blue ink. Both XXXX and Experian failed to refute any of the facts including dates of dispute and demands to produce Method-of-Verification and Proof-of-Verification. The credit bureaus ( XXXX XXXX and Experian ) are using automated dispute equipment to process these disputes and a machine is unable to determine the difference between a dispute and a legal document, a computer is unable to render a fair decision outside of its programmed inputs. This is not a reasonable investigation as outlined in XXXX V XXXX  ( XXXX ). I OBJECT to the use of XXXX as the method of verification ( MOV ). Dispute results were sent to me and some of the data listed was obtained directly from the foregoing affidavit and not a dispute. 
XX/XX/XXXX, I mailed the attached Affidavit to XXXX to produce Proof-of-Verification in the form of a sworn affidavit or the production of the original Loan Agreement bearing my signature. USPS certifies delivery on XX/XX/XXXX ( tracking provided within the attached file ). There is a ten day clause included for XXXX to notify me of their refusal to comply, nothing was sent to me by XXXX indicating their intent to deny proof-of-Verification. 
Any reasonable person can see that the CRA is just passing on information provided by XXXX and there is NO PAPER available that can VERIFY the INACCURATE information disputed over the past year. In the past, XXXX has sent me some statement pages that do not identify the charges in question that are believed to be charged without the card present and the result of Identity Theft. Experian and XXXX   have been notified to block this account under FCRA Section XXXX.
XXXX I filed a XXXX complaint against Nations Recovery ( now twice ). First time they kept taking unauthorized payments out ( triple charging my account ) and kept getting notices that I did n't pay them. It was finally resolved that they would {$0.00} my debt due to the inconvenience they were causing. I get a collections notice in XXXX from a different agency saying I owe {$140.00} on one of the accounts I should n't have to owe and the original creditor ( in XXXX ) was demanding {$390.00} for the other account I did n't have to owe on. After the resolution on the XXXX complaint I NEVER heard back from this agency. I filed another complaint in XXXX and the XXXX agent I was working with never heard from them and were not responding to communication. Today I get a voicemail from one of their agents saying he needed my address to send a refund check. I call him and he 's going around in circles, not listening to me, unwilling to understand what I was telling him. Playing recordings that I could n't even understand because they were so garbled over the phone. He used a tactic that 's appalling to just harass me. At this point Nations Recovery has caused so many problems with my XXXX and have wasted my time over and over again. They have shown their lack of professionalism and their willingness to use deceitful tactics.
There are accounts that are not mine on my credit report. I am being punished for accounts that are not mine but are counting negatively. I have let the credit bureau no and have received no help.
This company is imposing an apr way over the legal limit The cap is 36 % and they are imposing an over 700 % apr on our loan Making it impossible to get paid gave us a   XXXX   dollar lone witch exceeds that cap Wanted to find out if they were really licensed but i could not obtain the information?
Hoping you could help me out with that info?
If the company is not legal then i want my account closed and their operation investigated This is the first action I 've taken on this please advise Thank you