WillisBack/dataset-financial-user-claim huggingface dataset:
I was recently notified that credit was requested from XXXX and XXXX. I am currently XXXX with the XXXX XXXX and have not requested credit from either of these sources. I am trying to remove both hits from my credit report as it should not be shared with others and should not affect my credit score because it was not me placing the requests for credit. I have also placed an XXXX alert on my account. When I contact Experian at the phone number provided to place the XXXX XXXX alert it took multiple calls as I was hung up on without ever being given the option to place the XXXX XXXX alert or speak with a person. I finally was able to find my way through the automated system to place the XXXX XXXX alert but have been unable to find a way to dispute the XXXX and XXXX credit checks that appear on my credit reports. Both XXXX and XXXX have acknowledged that neither requests for credit were actually requested by me. 
Thank you
I took out a {$450.00} installment loan with XXXX XXXX in XX/XX/XXXX. My payment was an ACH payment of {$100.00} every two weeks. I called them up on XX/XX/XXXX to get my balance to pay in full on XX/XX/XXXX. The representative said my payoff will be around {$530.00} on XX/XX/XXXX. This is ridiculous and should be illegal the amount of interest that this company is charging. What Greentrust is doing to consumers is tantamount to a armed robbery!
PayPal signed me up without my knowledge or consent for a FRAUDULENT " line of credit '' of {$500.00} and defaulted my Ebay payments so that I payed by this line of credit when I actually wanted to pay using my credit card. I made a purchase on Ebay on XXXX/XXXX/2015 and was by default " steered '' to pay by Pay Pal credit. I contacted them immediatly and asked to pay by credit card and they said, " They could not take a credit card payment over the phone '' and made me mail them a check! I cancelled the line of credit, that I never opened with them in the first place, and then closed my Pay Pal account which I have had for about 11 years. Pay Pal is committing fraud, stay away from Pay Pal.
I have notified Equifax numerous of times through phone calls and through XXXX certified letters. No response from Equifax!! Pertaining to my Chapter XXXX Bankruptcy that has been placed on my credit report. I understand that my bankruptcy remains on my public report. The U.S. Bankruptcy Court and credit bureau are not affiliated in any manner and the court is unaware of their process and or procedures for reporting or removal of information from a credit report. In addition, the U.S Bankruptcy Court does not report or verify information with the credit bureaus. The credit bureau have their own procedure for retrieving information from the public record of the U.S Bankruptcy Court and the court has no knowledge in this regard. I ask Equifax to validate ( XXXXx 's ) with the United States Bankruptcy and provide me with copies of and documentation associated with my Bankruptcy, bearing my signature. After, the XXXX attempts and no response, because they ca n't show me proof with my signature. Failure to respond satisfactorily within 30 days, will result in a small claims legal actions against the company. I will be seeking a minimum of {$5000.00} in damages for violation of the Fair Collection Practices Act, Negligent of Identity fraud and Defamation. I formally request that this information be immediately be deleted from my credit report.
IC SYSTEMS IS STATING ON MY XXXX CREDIT REPORT THAT I OWE XXXX ON ACCOUNT THATS NOT MINE.PLEASE HAVE IC SYSTEMS PROVIDE VALIDATION OF THIS DBT THAT I OWE OR REMOVE IT FROM MY CREDIT REPORT
Ford Motor Credit is not properly crediting my customer account. In documentation, Ford requested proof of payment by customer prior to XX/XX/2016 - which was provided. 
Proof of a payment for XX/XX/2016 was also provided which should have been credited fro XX/XX/2016 instead of XX/XX/2016. 
The account should not reflect a 46-day delinquency for XX/XX/2016 and should be corrected.
I opened my mortgage loan with Greentree Financial in XX/XX/XXXX for a total of {$30000.00}. My interest rate was 12 %. The loan passed to the hands of XXXX, back to Greentree, then finally to Ditech. During the duration of my home loan, I did have financial issues resulting in placing several payments on the back of the loan, which I made interest payments on those payments at the time. I was forced to file Chapter XXXX in the late XX/XX/XXXX 's, which was discharged in XX/XX/XXXX, I believe. There were extra costs incurred by Greentree at this time regarding the bankruptcy. It was explained to me at the time that those costs were listed as Corporate advance on my statement. Which until a few months ago was in the amount of {$2900.00}. In XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX this amount decreased each month to currently {$2200.00}, I do not know why. I had contacted customer service several months ago to inquire about why my payments were still going mostly to the interest and not the principal. I never received an answer, when I asked what would happen when I made the last payment in XX/XX/XXXX of this year, I was told I would just keep paying. I then contacted an attorney to help this situation. After giving him my loan papers and the ammoritization of payments he instructed me to request binding arbitration, which I did in XX/XX/XXXX. This did nothing, except add {$700.00} to my XX/XX/XXXX payment. Ditech found fees from XX/XX/XXXX that had not been applied to my account. The customer service rep could not tell me what the fees are for. The only paperwork they have sent to my attorney was an ammoritization of payments, which he says does nothing to explain why I still owe 80 % of the loan amount 20 years later. I made the last contracted payment this past month, Ditech has reported to the credit bureaus that I am delinquent on my account. My attorney contacted me last week stating Ditech had sent him a letter informing him they were going to start foreclosure proceedings against me. I am not going to sign any paperwork to continue making payments on an amount I do not believe I owe. I did inform Ditech I would still be making payments equal to the house payment, towards the Corporate Advance amount. I believe I do probably owe extra regarding interest accrued for late payments, but I do not believe that amount to be {$21000.00}. I am at my wits end regarding this issue. When speaking to customer service I have asked for a supervisor, or a higher person to discuss this with, being told they would call me back. Those calls were never received. The only explanation I have received is it is late fees, the paperwork sent does not explain how Ditech has accrued this amount. Any help or information is greatly appreciated.
I have a XXXX dollar debt on my personal credit report that belongs to my ex husband. I was never a joint owner of the account I was only an authorized user without my consent and I never had the credit card in my possession. The law says a bad authorized user can not remain on my account if disputed. Ive contacted both XXXX XXXX XXXX XXXX and Equifax to remove the debt and even after disputing it it remains on my report.
SLS doesnt want to do anything they dont explain just say denyed how is that possible?????? 

I am including reports please pay attention its very croocial I want action about this froud SLS now before they take my home just like all the other home owners that lost their home buy SLS
I tried to refinance my student loans. Being that I was always on time with my payments, I thought that Navient would help. As soon as I even started the question, they told me that there was no way AT ALL that I could refinance my loan. I was shot down from the beginning! My student loans were at a 9.5 % interest rate! I would make a payment every month for the balance to just stay the same. I was barely making it out alive. Thankfully I have a good job that allows me to pay my loans but I constantly had this feeling of despair that I would NEVER pay off my student loan. I actually still feel that way.
I closed this account when the balance was {$110.00} and balance was paid in full. 

Another account never was delinquent. Always paid on time never late.
I set up automatic payments in XXXX/XX/XX/XXXX ( after having a perfect payment history with this vehicle AND an XXXX XXXX ), because I was getting married, moving, and became a XXXX ( which I spend 60+ hrs/wk ). It was vital that I had automatic payments set up because I knew I would not have the time to do much else other than work and sleep for ~2 years as I earned my time at work as a XXXX . I thought everything was fine until my wife had me check my credit report last month as we are ( were ) looking to purchase a house.

Specifically, I called Hyundai in XXXX/XX/XX/XXXXand spoke with a man by the name of XXXX. He confirmed I had automatic payments set up and that it might take a payment cycle or so for it to get up and running. So I paid over the phone with him there and didn't look back. My job and life are overbearingly busy ( much like anyone who reads this probably experiences too ), and I frankly never checked in with anything or anyone.

To my surprise, Hyundai has been reporting my payments late in excess of 120+ days ... which I immediately paid upon learning. I called them and explained, but they did not care and they actually hung up on me. I was respectable and calm on the phone, why would they do that to me unless its such a hot potato they don't want to touch it. And this is why I am filing this with you, they have ruined my credit because of a failure on their part.
My credit report shows a loan of XXXX dollars opened in XX/XX/XXXX, as a joint loan. With preferred credit that was closed on XX/XX/XXXX. I have never had a joint loan, and never with perferred.credit. never even heard of the company until now. I would like it taken off my credit report. I am a single mother trying to get into a house that this keeping from renting.
The debt was from 2007 and they continue to put it on mt credit report. I have disputed this many times and they will not remove it. This is in violation of the law. 7 years maximum. It has been there for XXXX years now
I have one existing Capital One Card. About 2 years ago, I called the credit card company and asked them to lower my Interest rate. I believe that my credit score was in the mid-700 's. At that time, I had two Capital One cards and had paid off these cards a few time with large sums of money paid. I believe that this company has been discriminating against me for some time. When they refused to lower the Interest rate the first time, I had that Bank canceled one of my cards. After I canceled that card, I began to get harassed by this bank in regards to my online activity where I would pay the amount owed. The Credit Card online account on numerous time had my password being changed, and I had to wait long periods to get it taken care of. I filed a Banking Complaint against them more than once. What can you do to assist me?
Repeated Loop. Again and again. No way out.
I 'll set up auto withdrawal. But because the loans are not all consolidated, I lose track of them.
Suddenly, I 'll get calls and letters. Then find out a loan has been defaulted for few months. I 'll call new servicer, set up auto withdrawal again. Then get calls several months to a year or two later, another loan defaulted. Finally asked.
They said the loans are being sold to new servicers, but they never bother to tell you, that need to set up new payment, or that they will auto transfer the payment. Once loan sold, auto pay just stops. They could at least say its being moved. They are constantly being moved. All the payments I try to make yup stay afloat are a waste because once the loan had changed hands, the interest and fees just bring it right back to where I started years ago to repay the loans.
Another incident, were they advised they were putting the loan into some other standing and asked for paper work. I literally mailed, faxed, emailed Evey month for almost a year and half and they still call saying the signature and documents have not been received for the loan transition. Today they still regarding this.
I do n't understand. Why, if we are on the phone and I fax it to you while we are on the phone you still dont have it and the account is in default again.
How?!?!?! does one keep up and stay on top of their loans when the servicer is not doing their job to help the student, who are trying.
Its hard enough to try to make three payments, why do the services make it harder by switching hands, not informing you, not transferring the payments instead of just stopping them altogether, if going to stop then notify. and get the paperwork and documents straight. Keep all notes and documents intact. How can you not receive it, plus have verbal confirmation and I keep them on the line many times but still its not correct. How?!?!?!
I ca n't do their job for them, but if I could I guarantee it would have been handled correctly.
Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX www.experian.com This company got my personal business credit report mixed up with my next door business credit report. My business name is XXXX XXXX located at XXXX XXXX XXXX XXXX, next door business name is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, IL XXXX. I bought my business as a contract for deed onXX/XX/XXXX and I paid off for that business on XX/XX/XXXX, at that date that business became mine and the title was transfer to my name. In the mean time the next door business been their since XXXX. 
Experian credit report company got my business personal credit report in bad shape and made too many mistakes by adding the wrong information to my credit report all those information were the other business info, example of some of those mistakes are, they said that I been in my business since XX/XX/XXXX that was wrong, I took over my business as XXXX XXXX on XX/XX/XXXX, They claim that I been in that business for 52 years I was born in XX/XX/XXXX, and that impossible to own a business at the age of XXXX years old, they claim that my yearly sales are {$140000.00} my yearly sales never exceed the {$80000.00}. I do have two business credit account one with the XXXX XXXX and one with XXXX both those account never been report it on my business credit report for the past 15   years. 
I did complain to the company Starting on XX/XX/XXXX, and furnish them with all the real documents that proof my allegation. Also I send them a copy of the business next door menu showing the name of that business as XXXX XXXX XXXX, and so far they refuse to fix their mistakes, and that hurting my business credit, and that effecting my income. 
I need your help to force this company to fix their mistake that they made with my personal business credit report.
On XX/XX/XXXX, I sent an email to account manager, XXXX XXXX, for my vehicle loan with Prestige Financial Services ; I was requesting a reduced payment amount of {$250.00} for XX/XX/XXXX loan payment. Due to having a medical hardship, the initial monthly payment for {$420.00}, which was set up to be drafted on XX/XX/XXXX, was going to be returned. This was suppose to be XX/XX/XXXX payment, but late. XXXX XXXX XXXX, replied via email on XX/XX/XXXX, stating that she could " reduce and accept '' a {$300.00} payment for the month of XX/XX/XXXX only. Therefore, I accepted her offer for the reduced payment of {$300.00}. Thus, making the {$300.00} payment will bring my account current as of date, until my next monthly payment which is due on XX/XX/XXXX. After reading and acknowledging the payment disclosure sent to me via email on XX/XX/XXXX ; I authorized the {$300.00} payment for XX/XX/XXXX to be drafted from my savings account on XX/XX/XXXX. The disclosure also stated that by Prestige accepting a reduced payment amount for XX/XX/XXXX, this may extend the term of my vehicle contract, and affect the prior three payments received. Now all of a sudden, on XX/XX/XXXX ( today ), XXXX XXXX from Prestige sent me an email stating that my loan is {$50.00} past due and I must make a payment to bring my account current. However, my account should be current from the payment made on XX/XX/XXXX, in the amount of {$300.00}. Along, with her forwarding my information to another account manager named XXXX XXXX ; I am now being harassed by the both of them for an additional {$50.00} payment. Plus, neither one of these managers want to disclose how I would owe another {$50.00} for
XX/XX/XXXX.
I do not like being harassed and threatened to have my vehicle repossessed for additional money they claim I owe, on top of my XX/XX/XXXX payment already made. Please look in to this matter.
I have spoken to Bank of American concerning this paid account several times. Last year they told me it would be removed. It is a charge off which is incorrect. I am applying for a mortgage and need it removed. This has been on my credit bureau since 2010? 

XXXX XXXXXXXXXXXX
I contacted Chex systems a bout two weeks ago to let them know that incorrect an d improper information was being reported in my consumer file with them. I also provided them with a letter that the original institution wrote me. The letter stated that all information was to be deleted and what was reported was incorrect. I received notification today that Chex systems will not deleted the information claiming it 's correct and accurate. I attempted to reach their customer relations team who told me that they will not delete the information regardless of what I 've provided and that it will stay on my file. They told me they had the letter I provided the credit union wrote to me but still refuse to update the information and delete it.
This XXXX will not receive payment for {$51.00}. I want to be removed from collections or I may contact the media to advise people what kind of office this is. I put down my eyeglass case next to my {$69.00} Bluetooth. When I went to leave just my eyeglass case was there. Not my Bluetooth. When I asked them about my headset they said they never saw it. I am XXXX or I would take them to court. When I asked all the staff there about my Bluetooth, but nobody there saw it. I want to be removed from collections
A disbursement was made from my escrow account for homeowners insurance when it was not due. Then another disbursement was made when the premium was due 4 months later. When mortgage company was contacted about duplicate payments with in the time period, they sent work order for research and investigation. When I called back about findings on this work order-there are no answers on where the 1st disbursement went, check number or reference number. Numerous phone calls have been made to mortgage company as to where the monies are. Insurance company did not receive the payment that the mortgage company said they sent on the first disbursement. The mortgage company clearly did not send the monies for insurance or even taxes, but did withdraw it from my escrow. This has caused my escrow to be behind for three years now. Each year my payments go up due to the missing amount of escrow.
I am writing in to the CFPB in regards to my Federal loans I have through Fedloan Servicing. I currently owe {$48000.00}. I feel the information that was given to me by several agents at Fedloan Servicing was invalid, and deceiving. This is in direct violation of UDAAP and I have been deceived into consolidating my student loans for a lower monthly payment, doing a low income payment plan to lower my monthly payments to something that is more affordable and manageable for somebody with my income which is roughly $ XXXX-XXXX. In which case my monthly payment increased and are higher that what I would have been originally paying my monthly payment before I consolidated my student loans was about $ XXXX, now I am paying double {$410.00}. The agents told me by applying for a Income Pay as you go Payment plan would lower my monthly payment and consolidating my loans would do so as well. This information is not correct and very misleading. The information I was provided by several agents several calls that I have made since XXXX XXXX to current date XXXX XXXX. I have had to use my forbearance to weight for them to process my information only to have my payment increase rather than what I was communicated. Being in the financial industry and knowing about student loan debt, banking practices amongst other financial institutions this is something I felt would fall under UDAAP and something I would like the CFPB to look further into so college graduates like myself do n't have to go through this experience. If I had known that applying for this payment plan and consolidating my loans would cause my payment to increase I would have never done it to begin with. When I had applied for my repayment plan to decrease and lower my monthly payments I was told I would have to use my XXXX taxes. Being married and filing joint taxes my husbands income would be taken into account. Even though he does not have student loan debt and is not helping me pay back my student loans. Given his income is greater than mine this caused my monthly payments to be higher than what I would have been approved at on my own. So I applied for income sensitive repayment plan because I could not afford a monthly payment over {$400.00}. In which case I was rejected due to that fact that I was already in another payment plan that would last 12 months. Now I am financial hardship trying to figure out how to pay this amount without using my husbands income to help me. I feel all the information I was provided by several agents was misleading, incorrect and deceiving.
Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debit. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency XXXX XXXX XXXX myself, and they have failed to provide me with proper validation according to the FDCPA as I requested. 

I have enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified mail. I was given an Account Summary Report and no evidence of my obligation to pay this debt to the originator or this collection agency. This debt is not mine. This is NOT a valid form of validation of debt per FDCPA.

The validity can not be properly verified and you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action.

In the event that you continue to report it on my credit report, I will find necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims in my area. 

I look forward to a swift and amicable resolution to this matter.
Just started to receive letters from Credigy, in the letter they stated that I still owe a credit card back since XX/XX/XXXX, I think it 's a credit card which I had from imagine fro which I paid off since XX/XX/XXXX. it was such a long time ago now these people say that I owe XXXX