WillisBack/dataset-financial-user-claim huggingface dataset:
I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( XXXX and equifax ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through XXXX and much to my dismay one of my scores ( XXXX ) was no where near what XXXX had reported, the second score ( equifax ) was nearly the same and the third score ( XXXX ) was super low. All XXXX reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. XXXX ( XXXX, equifax, and XXXX ) had XXXX different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score XXXX times each. Once for being in bankruptcy and another for being late thus killing my credit score.
XXXX  has been non-compliant with removing the unverified account CITICARDS CBNA which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that CITICARDS CBNA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
In 2014 I was approved for in store credit with XXXX. I went and purchased a washer and dryer. A week later the merchandise was delivered but it had been damaged, scratched and dented up. I asked that it be replaced, a few days later they showed up with new merchandise but this was damaged as well. It was replaced a third time with more damages so I went into the store and spoke with the manager and had my account closed, they refunded my deposit and scheduled for the merchandise to be picked up. This all happened before my first payment was ever due. Now 3 years later it is on my credit report as if I still have the merchandise and as if I never made payments. My account was closed and merchandise was returned so why would this be on my credit. Now XXXX has sold my debt to a collection agency making it look really bad on my credit. It needs to be removed from my credit as it is a false debt and not mine. I refuse to pay for a debt that XXXX created based off of their wrong doing. I have fought and pleaded to have this resolved over the years and all they are telling me is to pay the debt, even though it has been acknowledged by the store that they were in the wrong. Every time I call they said they cant find my account but now I am getting collection letters with my account number on them. I feel they are saying they cant find it because they do not want to help me resolve the issue and get it removed. Please help me!! You are my only and last option.
Transunion, XXXX  and XXXX refuses to contact XXXX XXXX to obtain a new report which shows they have deleted the bankruptcy from my consumer report. XXXX XXXX even sent a dispute on my behalf which they all refuse to reply to and delete the erroneous information. Documentation has been included.
I have had multiple issues with XXXX. Now known as Navient. 
I have been unemployed since XX/XX/2017. My payment on my private loan is due XX/XX/2017. I contacted them and spoke with XXXX agent # XXXX to notify and inquire if I could miss 1 month without derogatory marks on my credit. I have not missed XXXX payment in 5 years and have paid off XXXX of my loans. She proceeded ask inappropriate questions such as as my living arrangements. Why my adult children were in the home. 
What did they pay to be here IE : utilities & rent. She brought up my credit report and proceeded to scold me for my debt. I did point out that I was being proactive in calling Navient about my employment status to inquire about any possible arrangements. And, if she looked at my payment history, my credit report was at 100 % payments on time. I did not call for financial advice. Nor was my debt ( other than Navient ) and my adult children 's living arrangements any of her business. She seemed to enjoy rubbing salt into the wound of a customer who was trying to do the responsible thing and who DOES take her debt and credit report seriously. If I had wanted financial advice, I would contact an expert. 
Not XXXX # XXXX who works a call center. They can change their name but it is the old XXXX!
I noticed on my credit report that there's a new claim by XXXX XXXX XXXX XXXX for {$930.00} from a claim by XXXX. The address associated with this debt claim is XXXX XXXX   XXXX XXXX Texas. We have NEVER lived in Texas nor do we ever have XXXX. We live in XXXX CA and use XXXX. I do not know anything about this claim and therefore can not submit any " proof '' as requested by the credit reporting companies : Transunion and XXXX. I submitted a request for them to investigate and all they said was that it was accurate without any explanation. I have submitted a dispute to XXXX XXXX but have not heard from them. Please help!
Rushmore Loan Management Services recently purchased our mortgage from XXXX XXXX. Starting with last month, payment due XX/XX/2018, they have failed to record our payments for which we have canceled checks that were cashed before the due date ( for payment, cashed on XX/XX/2018 and for Escrow, cashed on XX/XX/2018 ) as of now these payments have still not been credited to our account. We called them on XX/XX/XXXX to try and resolve this payment matter we were greeted with a rude adversarial representative who could not verify any information forcing us to fax all our proof to them. They responded with a letter stating they needed 30 days to look into the matter ( this is absolutely unreasonable ). We have not received any statements for payment due XX/XX/2018, to prevent being delinquent we mailed a check for XXXX which was cashed on XX/XX/2018. Now on XX/XX/XXXX we have received a delinquent report and late charge assessment for the past two months. We have still not received any statement to pay our XXXX payment. We did not choose this company they are completely incompetent and our credit is being destroyed. I am trying to get this company to cooperate before things get out of hand and a lawsuit is the only answer.
MY CREDIT FILE IS IN THE OFFICE OF COMSUMER AFFAIRS WITH EQUIFAX INC. EQUIFAX BLOCKS MY AND/OR CREDITORS TO SEE MY CREDIT REPORT AND CAUSES ME GRIEF AND CAUSE CREDIT DENIAL DO TO NO CREDIT FILE SHOWING UP. I HAVE BEEN DEALING WITH THIS FOR OVER 7 YEARS WITH EQUIFAX. I NEVER REQUESTED MY FILE BE IN SPECIAL HANDLING AS EQUIFAX REP SAID. ITS FOR MY PROTECTION. I HAVE ALOT OF INACCURATE INFORMATION ON MY CREDIT BUT IM UNFORTUNATE TO SEE IT EQUIFAX HAS ALSO BLOCKED ME FROM SEEING MY REPORT FROM ALL ONLINE ACCESS.
A representative called me from XXXX XXXX stating that I owed a debt from Citi Bank and that they were going to sue me if I did not pay them {$16000.00}. I did not know about this debt, so the representative said he would transfer me to the fraud department. After sitting on hold for over 10 minutes, I call back the number that called me ( from the caller ID ), talk to the rep again and he then transferred me again. The man that answered said the debt was from 2005 ( over 10 years old ) and said " You must have been transferred here because you do not want to pay ''. I said if this debt is from 2005, it is over 10 years old and is a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ) so he can not report it, nor can he sue me for it. He said he was from a legal firm and would see me in court and hung up.
I have recently re-established my credit back into excellent standing, so I check my credit report very often to make sure that all information is accurate and true. On XX/XX/2019, I received several emails from credit reporting providers stating that my credit file has been changed. A debt collection company under the name " Radius Global Solution '', reported to the credit bureaus that I owe a debt of {$180.00}. I do not owe any one anything and I do not know who this company is or what this debt is about. I did not receive any dunning letters nor did I receive any information regarding this debt. I did not have a chance to dispute this inaccurate information before it was just placed on my credit reports. This has dropped my scored tremendously. This is a complete violation of my rights. I want this account removed immediately from my credit reports!
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX XXXX Account Number Num : XXXX Balance {$00.00} Dear XXXX, I am writing in regards XXXX Credit account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

As of today XXXX/XXXX/XXXX I have not received any information or correspondence regarding this account. 


I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX 

XXXX XXXX
Last month, I made a payment online for my monthly mortgage payment. I received an email from the loan servicer confirming that my payment had been processed. This month, I went to make another payment online and found that the loan processor had not processed my payment from last month and was going to charge me {$10.00} for late payment for last month 's payment, plus I now owe for this month. I paid both payments online, including the {$10.00} late fee and then called to see what happened to last month 's payment. The loan servicer confirmed that they received the online payment last month, but had no idea why it didn't go through. She said it was probably an internal processing error on their part. However, she would not refund my {$10.00} late fee because she said her system wouldn't allow it, and it was too bad that I didn't call to pay over the phone because then they could have removed the {$10.00} late fee.
I agreed to set my account on " autopay '' for Navient to debit {$230.00} per month from my checking/debit account. On XXXX XXXX, XXXX, Navient debited {$480.00} from my account which is {$250.00} more than I agreed to pay monthly. They debited more than double the amount authorized without informing me of the increase. When I spoke to a customer service representative, she said that I received information about a graduated repayment plan in XXXX - yes, XXXX. That is 2 years ago. Since that time, my account repayment has been renegotiated on a couple different occasions, and no one informed me of the increase. The customer service rep told me that I received an electronic notification in XXXX XXXX that my payment would increase. I did not receive that correspondence. Even if the payment amount went up due to a graduated repayment plan, I NEVER authorized this company to debit more than {$230.00} from my account in writing, on a voice recording, by email, text, or any other method of correspondence. Even if they increased my payment amount, they should have billed me for any remaining amount higher than {$230.00} so I could either pay on my own accord or contact their auto-pay department to AUTHORIZE Navient to debit my bank account for a higher amount than what was agreed upon. In addition to filing this complaint with CFPB, I am also going to my bank to make sure this company can never automatically debit any amount of money from my account again.
XXXX XXXX This account in inaccurate, and then incomplete. 
1. Has an Incorrect Pay Status, and should Paid/Closed XXXX Balance 2. XXXX says was opened XX/XX/XXXX, and Closed XX/XX/XXXX 3. HAS Balance History for the duration of the time the account had been CLOSED through XX/XX/XXXX 4. HAS Payment History for the duration of the time the account had been CLOSED through XX/XX/XXXX 5. Is incomplete and inaccurate
Provident Funding recently became the servicer for the mortgage that was transferred from original lender who was XXXX XXXX.

Provident Funding has committed a slew of unfair and deceptive practices in loan servicing, debt collection, and credit reporting that affected me and most likely other homeowners nationwide.

Provident Funding has maintained incorrect and inaccurate information.

Provident Funding has failed to correct inaccurate information in a timely manner.

Provident Funding claims to have sent numerous notices, however the mailing address is not correct and therefore the notices were not received.

Provident Funding claims they have called and left numerous messages, however the telephone number is not correct and therefore the messages were not received.

The mortgage was paid every month on time and funds were deducted from the checking account automatically and transferred to pay the mortgage on the last day of each month. Provident Funding failed to transfer money that was paid to the account.

As a result of these unfair and deceptive practices in debt collection, the company has furnished credit reporting agencies with customer information it knew was inaccurate, and failed to correct inaccurate information in a timely manner and assessed a late fee of {$49.00}.
On my credit report it has XXXX XXXX XXXX XXXX XXXX Texas XXXX which is my ex husbands address with his new wife. I have never lived there. Also shows as working for XXXX XXXX, I 've never had them as an employer. I want to make sure my ex husband or his wife did not open up any forms of credit in my name. Anything with those XXXX pieces of information are not mine. Thank you!
In XX/XX/2016 I tried to have the loan forgiven due to hardship of payment. I was on XXXX, XXXX and because of age it was so hard to find any full-time work. In fact the only work that I have been able to find is part-time and it does not even fulfill my degree. I went through my doctor and fill the paper work and was denied. So then I went through my work and that fact that my company is a non-for profit company there was a program that would allow me for forgive the loan but because I only work 25 hours a week the limit for me is 30 hours. Since the are sending me voice mails, written mailings my credit record my home equity was closed. At the same time with the loan, the XXXX stopped now my home is in jeopardy and now is in foreclosure and I have just over two years left on my mortgage. All I am trying to do is save my home. Because of age, XXXX years of age I am able to file for retirement. I am must getting back on my feet but it will be some time.
DiTech Financial took over my loan from XXXX XXXX XXXX in XXXX of 2016. I pay my bills through XXXX XXXX XXXX pay and schedule this bill to be paid at the same time each month. things were great until XXXX when I received a notice that my payment had not been received. I called DiTech immediately to find out what happened. All they could tell me is they will investigate. This happened again in XXXX. As of today, they still can not find my payments and now I have received a foreclosure notice. XXXX XXXX has sent the payment and even conferenced in with DiTech to try and resolve. Each time I call DiTech I start over with a new rep that basically can do nothing to resolve my issue. I 'm not sure where to turn now.
I moved out of an apartment complex  (   XXXX   XXXX , originally  XXXX   XXXX . when I moved in ) and was charged for rent and fees that I did not owe. I spoke with the apartment  manager an d gave the appropriate notice via the lease that I would be moving out. I was told everything was in good standing by the apartment  manager. A pparently, this person did not work for the complex when I tried to reach out upon my discovery that charges had been placed on my account. I understand the apartment complex had been bought by  XXXX   XXXX  during my lease and possible confusion occurred, as well did staff changes. I do not owe this money or the added fees. I received no notices forwarded to my new address. I only discovered this debt via my credit report that this had been filed when seeking a rental property  XXXX    XXXX  . I subsequently filed disputes with agencies. This was immediately removed from  XXXX  and is also not on my  XXXX  report. I have filed multiple disputes with  XXXX , only to receive a response that the dispute was settled ( no further explanation ). These charges by  NCC Business Services  has remained on my  XXXX  credit report.
Somebody stole my checking account routing number and account number and wrote fraud checks. I filed police report, got letter from bank, and notified the stores where checks were written that they were fraud. The bank closed our account out. I forwarded all the above information to XXXX   when we received bill. After they reviewed our info they claimed that one check was fake and the other one was not. They are hounding us to pay for one of the false checks that the bank put a stop payment on due to fraud. They have proof that this was fraud.
I reached out to my mortgage holder to request them to look at my file for PMI removal. They sent back a letter providing the steps to pursue removing PMI and the 5 conditions that must be met to have the PMI removed. Prior to beginning the process the only items that were not met was I had to send a check in for {$350.00} to order the appraisal and the LTV of the property had to come back 80 % or less. Well I mailed in the check they cashed and the house came back at 71 % LTV per the appraisal. The mortgage company then denied me PMI removal and said that the LTV had to be at 70 %. I then proceeded to call in for an explanation and after an escalation to a supervisor, no one could explain why I had been declined other than their denial letter stated the LTV needed to be at 70 % and the department that declined only knew the criteria ( some back office that couldn't be reached by phone ).
I have contacted XXXX and XXXX many times to dispute this Chase account that had been fraudulently compromised many years ago. I have not had any success in getting this fraudulent account removed from my credit file. I have reported that this account was stolen a few years ago. I need your help in getting this account remove from my credit file. Not to mention, my identity was stolen along with the accounts being compromised.
I recently moved to Pennsylvania and I have been trying to change the Title on my vehicle to my new PA address. I have contacted Key Bank customer service Auto Loan Dept. on 4 separate occasions in the past two months and I have been unsuccessful each time. Their customer service is horrible! I 've been given so many different fax numbers to send the request to and none of them are correct. Every time i call i am on hold for over an hour and then when someone finally picks up they tell me they have n't received my request or that i should fax it to a different fax number. I have 6 different fax transmissions showing it went through but they have n't received any of them. To top it all off i am calling XXXX and no one speaks English so they keep putting me on hold while they " research the situation ''. No one there knows what they 're doing. Not to mention every time I 've called the hold time is one hour or more ... and two times after waiting an hour the representative hung up on me so i had to call back again and wait another hour. So frustrating!. This customer service is unacceptable!!! My problem still has not been resolved. I want someone to call me back immediately with the correct information as to where DMV has to fax the request to change the title address to. My number is XXXX. I tried calling their corporate headquarters but the number listed on XXXX is disconnected. I was originally a Niagra First customer and had no problems until my loan was sold to this Key Bank and its been nothing but a nightmare. Auto Loan # XXXX. Thank you!
My mortgage was transferred to Green Tree Servicing in XXXX, 2015. It was at this time I found out an escrow account had been placed on the loan by XXXX ( the prior loan carrier ). I contacted XXXX and showed proof I had home insurance and they immediately flat-cancelled the policy and refunded escrow fees to Green Tree ( since they now had my loan ). Since that time I have been trying to get Green Tree to cancel the escrow and refund all escrow fees. I called in XX/XX/XXXX and they asked for copy of email from XXXX showing the insurance was flat-cancelled. I mailed that in but still no resolution from Green Tree. Green Tree has NEVER responded to me except for canned email responses which say it takes 30 days to respond. I have kept copies of all emails and letters mailed to them.
Chase Card has made several hard inquiry pulls from my XXXX, and XXXX XXXX credit Reports without my authorization and without permissible purpose.