WillisBack/dataset-financial-user-claim huggingface dataset:
I went through a divorce several years ago. Thereupon, I had no idea of the existing mutual debt my x-husband and I had with with First Citizens Bank in XXXX, XXXX. I received no calls, notices, etc. All of the aforementioned went to my x-husband. Subsequently, he closed his account at First Citizens, and started banking elsewhere. Unbeknownst to me my SSN was still attached to this debt. Therefore, First Citizens cleaned out my personal bank account. At this point in time, I was a single mother with XXXX daughters, and unemployed. I finally secured a job in XXXX XXXX and have been working on my finances ever since. XX/XX/XXXX I went to First Citizens to make right on my outstanding debt. Soon after, the XXXX flood hit us here in XXXX. Our area was dramatically affected. Thereafter, it took months for me to finally re-connect with my contact at First Citizens. When we connected, XXXX XXXX ( bank manager for the XXXX XXXX branch ) informed me she was switching branches. I had banked at the XXXX XXXX XXXX branch of First Citizens for over 15 years. I went to XXXX XXXX, who had helped me in the past. She was aware of my situation and was extremely helpful. Trying to decode all of this was unbelievably confusing. After many phone calls, office visits, and more phone calls XXXX was able to help me decipher who I needed to pay and the dollar amount I needed to pay. I paid the first debt of {$750.00}, which was tied to my personal checking account, XX/XX/XXXX. The {$750.00} amount was paid to XXXX ( XXXX XXXX XXXX ). I received a letter from them dated XXXX/XXXX/XXXX ( which is attached ) showing the account had been paid in full and had a XXXX balance. I then wrote a check for {$620.00} on XXXX/XXXX/XXXX to First Citizens for the XXXX amount owed. This amount was tied to the line of credit for overdraft protection.Finally I was able to get a letter from First Citizens stating the account had been paid in full ( document attached ). To date the {$750.00} amount is still showing on my XXXX credit report ( to my knowledge it is not still on XXXX or XXXX ) and the {$600.00} amount is still showing on all XXXX credit reports ( XXXX, XXXX and XXXX ). I realize that it can take up to 60 days for credit reports to update. However, I did my due diligence early this year in the hope it would be reflected on my credit report by XX/XX/XXXX. I have spoken with Al at the First Citizens Bank headquarters in XXXX. Per XXXX, he just received the notifications of the XXXX balance for my accounts. There has been a lag time of 30+ days from when I paid off the amount and from when it was sent to the bank headquarters for updating. It is imperative that I have this cleared up by XXXX XXXX. If not, I will forfeit a house I have a contract on, as well as, {$5000.00}. My children and I have moved so much over the years. It is so very important to me to able to finally own my own house ; a place my girls can really call " home ''. The only response I get from the bank is it takes up to 60 days to reflect on your credit. No one will help me. Your immediate attention to this is very much appreciated, as well as, very much needed! Thank you for your help. - XXXX XXXX
I've been trying to get access to my credit score, but everytime I do, only XXXX, and XXXX are able to give me my score. I've tried to call Equifax and they always tell me that they couldn't access my account and to send a copy of my social and a copy of my ID. I've sent it more then 10 times in the last 3 weeks. I need to buy a house soon and this is the only thing holding me back. Im getting to the point where I want to sue them for negligence.
In XX/XX/XXXX I moved from XXXX, XXXX to XXXX, XXXX due to job change and put my home in XXXX in the market and eventually sold in XX/XX/XXXX. I called my cable services ( XXXX XXXX XXXX ; A/C XXXX XXXX XXXX ), and they came on-site to disconnect on XX/XX/XXXX and took one of the cable modems ( I bought the other one ) with them. 

I received my last bill showing after the return of the equipment and adjustment my final is a credit to me for ( {$20.00} ), copy enclosed dated XX/XX/XXXX.  However, within a month I received a revised bill dated XX/XX/XXXX showing that I owe {$110.00}. I called them number of times and have records of most of them ( e.g., discussion on XX/XX/XXXX Ref # XXXX ) and tried to resolve XXXX XXXX changed position that I did not return the modem and hence should pay for it. Finally, In XX/XX/XXXX they informed me that they will refer to a credit collection agency ignoring my offer to settle it for 50 % of the disputed amount ( their counter offer was 20 % ). 

Finally, I started receiving calls and mail from RGS ( a  collection services company, XXXX ; A/C XXXX ), after sharing my documentation with them ( see enclosed e-mail ) and number of discussions they advised me to work with XXXX directly, they are not authorized to accept my repeated offer to settle for 50 %. In my discussion with XXXX XXXX from RGS on XX/XX/XXXX, he agreed with my position after review of records I shared with them, and since then RGS stopped calling me. Last time I tried to make a final offer to XXXX was on XX/XX/XXXX (  XXXX ), and it was declined as well. 

I have had excellent credit history with NO previous record of non-payment or late payment, my FICO score until recently was around XXXX. However, since this SINGLE incident reporting it has dropped to XXXX. 

Requesting your review and assistance with this matter, my cell is XXXX.
they served my home when I was not home and left the documents with someone under XXXX they now have garnished my pay and the original medical bills were XXXX and they have garnished XXXX
Wakefield and Associates has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I received a letter from a company called ATG Credit , LLC stating I owed money to XXXX in XXXX 2016. I called ATG on XXXX XXXX, 2016 and told them I know nothing about this charge and wanted to dispute it. The person said OK they would put a dispute request in and send me documentation from XXXX. In XXXX of 2016 my credit report was now being reported as a collection agency for something that I still had no idea what it was for and had nothing from ATG showing what is was for. On XXXX XXXX, 2016 I was sent a ledger as proof from AGT which was now over 60 days later of me entering a dispute. What ATG sent me still shows nothing of how this debt is mine. I called them back and told them this and they said they will reach out to XXXX for more info. This should not be reported to my credit if they ca n't supply proof within 30 days or send proof of how it belongs to me. 

The issue at hand is that it took 60 days for the debt collection to respond to my dispute which is longer then the 30 days per The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which states if the creditor does not verify the listing within that 30 day time frame, then it is automatically deleted as mandated by the FCRA. As requested in my complaint I demand this collection be removed from my credit report since it is being reported incorrectly and the debt collector has failed to follow the rules of the FCRA.
I submitted the XXXX Loan Forgiveness form XX/XX/XXXX. All information was correct on the form. I called for updates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. On XX/XX/XXXX, after 90 days of processing, Navient told me that they sent me a letter denying my request on XX/XX/XXXX. However, every previous encounter I was told that the document was still in processing. When I pointed out these discrepancies, they simply said, " sorry for the misunderstanding. '' Navient said my signature was missing, but it was not. I feel they are not being honest in their correspondence with me.
On XX/XX/XXXX I received a reply from Experian regarding the dispute of inaccurate and unverifiable bankruptcy information contained in the public records section of my credit report. Experian says the information is verified as accurate. 

But that 's wrong ... as you 'll see by the attached report with my notes & supporting letter from the US Bankruptcy Court Clerk stating that it does not verify information. So ... Experian has been lying about verifying directly with the source ... which is exactly how they are supposed to verify any reported information. Otherwise, it 's false! And in this case ... it 's also inaccurate. 

Furthermore, Experian is not supposed to score the contested information against me during the verification process. Experian has violated the Fair Credit Reporting Act on numerous occasions. 

Experian has NEVER verified the public records information DIRECTLY with the Bankruptcy Court of XXXX XXXX XXXX. If they had, they would 've discovered that much of what they 're reporting is inaccurate and incomplete. 

I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the US Bankruptcy Court or XXXX XXXX XXXX. I have also attached a letter from the US Bankruptcy Clerk that states that credit agencies get their information from a 3rd party service such as XXXX or other agencies like XXXX. 
This is not reliable, and is prone to errors. 

But Experian has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to Experian. 

Lastly, Experian has also continued to show my full Social Security number directly on the credit report ... instead of masking all or the majority of my Social Security number. 

I am demanding that Experian be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information ( directly with the US Bankruptcy Court or XXXX XXXX XXXX ).
I purchased a vehicle from XXXX XXXX in XXXX, PA. I purchased the vehicle in XX/XX/XXXX. As of XX/XX/XXXX, my lender ( GM Financial ) has not received the title on this vehicle and I have not been able to register or drive it. 

I am filing this complaint because my friend XXXX XXXX bought a vehicle from this dealer in XX/XX/XXXX and never was able to license her vehicle either. She had to turn it back in to the lender and they are now showing it as a repossession on her credit. I want to be proactive in my complaint filing. 

This dealership is now gone from the location and I am paying for a vehicle I can not drive. 

My loan is with GM Financial Acct. # XXXX. I want to get out from under this untenable situation but do not want to end up with a repossession on my credit file.
Santander Fianancial is guilty of continuing to report fraudulent information on my credit file. I have repeatedly asked them to provide me with the documentation that they used to open this fraudulet account. I have yet to receive anything from them but lies and excuses. They are very rude and unprofessional. They refuse to remove this information in spite of the fact that I have sent them copies of my Identity Theft Application and the police report several times. Please do sometthing about these people who brashly and defiantly abuse victims of ID theft. Please help
My home located at XXXX XXXX XXXX, XXXX XXXX, PA XXXX is being auctioned on XXXX XXXX of this month for the 2014 taxes not being paid. I reached out to Loancare Servcing to resolve the issue, as my taxes were escrowed through them. My XXXX 2014 mortgage statement shows the taxes were paid, but they were never received by the local tax collector. The tax collector said the taxes either have to be paid or I can give them a copy of the cancelled check to stop the auction. I reached out to Loancare, and they have been non-responsive to my request, despite the urgency of the matter. I emailed them on XXXX XXXX, as per their request, and they said they would get back to me in 5-7 business days, and they never did. I call every day and try to speak to the manager ( XXXX XXXX ) at Loancare Servicing, but she never calls me back and no one else can help me. I was told I can not reach the tax department by phone, so I have to just wait. I did fax them all the information in addition to emails and calls I have sent. I need your assistance to try to resolve this matter before the tax sale on XXXX XXXX since Loancare Servicing is not doing their part. Thank you! 

XXXX XXXX XXXX, also XXXXXXXXXXXX
We short sold our home in 2012. PNC Bank was the lender for a XXXX ( Home Equity Line of Credit ) on our home. They have incorrectly reported the loan on our credit reports. We ca n't get a loan to buy a home again unless they provide a letter stating that the HELOC was NOT a charge off, but a short sale. They also incorrectly show XXXX accounts on our credit reports, XXXX with the correct account number and the XXXX with an attenuated account number that have each been reported differently ( XXXX shows a {$0.00} balance and the other shows an unpaid balance ). They are XXXX IN THE SAME account. I ca n't get through to a sentient human being inside PNC Bank to TALK to anyone about getting a letter drafted that states this. They have no email address, no fax numbers, no mailing address, and phone numbers that put you on hold forever, require an existing account number or SS # to talk to someone, and do n't put you in touch with someone who understands what we need or how CRITICALLY IMPORTANT it is for them to correct this error on our credit report and provide us with a letter. We are a family of XXXX trying to buy a home again, but are unable to get a lender to consider working with us until this is resolved. PNC BANK SHOULD NOT HAVE THIS KIND OF POWER OVER US!!! We need a roof over our heads.
XXXX XXXX XXXX XXXX did my Hard credit check without my Authorization.I didnt gave any authorization either orally or written to do my credit check.
Carrington Mortgage has reported me late to the credit bureau from XXXX despite making monthly on-time payments each month. I also discovered that in XXXX XXXX they placed my permanent home loan in modification without my knowledge. I received a letter in XXXX XXXX that effective XXXX XXXX, my loan would increase by some {$300.00} due to my escrow having a negative balance. Finally, on Wednesday XXXX XXXX, XXXX I received a letter Carrington stating that I am in default on XXXX loan payments and owe {$2600.00} and run the risk of foreclosure! I have not missed XXXX single payment to Carrington Mortgage. This company has been a nightmare to deal with since my loan with XXXX XXXX XXXX was sold to them. 

When my loan was sold to Carrington, by XXXX XXXX XXXX XXXX XXXX, I was told by a Carrington rep that despite the fact that they had n't received all the documents from XXXX XXXX XXXX I can began making payments to them on my loan. I did this and have done so faithfully monthly. Then once the paperwork came thru, a few months later Carrington assigned me an acct number, sent paperwork to have payments debited directly from my bank account to them monthly. Carrington also conducted an audit on my account and found that there was a surplus in my escrow and sent me a refund check of {$3300.00} in XXXX XXXX. I continued to make my monthly payments to them for a period of 6 to 8 months I had no problem when making my payment. Then in XXXX XXXX, I was notified by XXXX ( Carrington Rep ) I no longer had a permanent loan but my home was in modification with Carrington because the Underwriters " de-archived the loan, '' because they discovered missing documents from XXXX XXXX XXXX. I inquired how I could be in a modification without my knowledge. XXXX could n't understand it herself but assured me to continue making my payments and it would be straightened out. Then in XXXX I received notification my mortgage payments would increase in XXXX XXXX and now the notice of XXXX missing mortgage payments citing my loan in default. Repeated requests with various Carrington representatives over the last few months have been unsuccessful and not resulted in this problem being resolved as promised. I am requesting all my payments be applied to my permanent loan, so my escrow reflects the correct balance. This will also cause my mortgage to remain at its current payment {$1300.00}. I also want the late payments removed from my credit report as it has negatively impacting my credit and lowered my score. I do NOT need a modification as I have not missed ANY payments. I have enclosed all paperwork including bank/mortgage statements reflecting Carrington receiving all payments from me, a portion of my credit report where Carrington has reported me late and all notifications I have received from Carrington.
XXXX Acct. number Please attach additional pages to file. 
XXXX is another communication from the Bank stating that the XXXX wasnt presented until the XX/XX/XXXX. Also is another transaction list, which shows that I was charged overdraft fees while in the positive.
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. Need bankruptcy. XXXX XXXX, XXXX XXXX, XXXX   XXXX and XXXX XXXX XXXX to be removed there is no contract on these accounts, they are unverified and not mine or invalidly reporting.
Navient We where on the repayment income base and they failed to inform us that it was time to re apply and in doing so my husband credit was messed up and it took us forever to get help getting back on a repayment program. They even harrased us and called us alot and offered no solution just threats. I never reported all this because I thought they would just get away with it.
I opened a lease with XXXX XXXX for a XXXX XXXX XXXX XXXX. I turned that lease in a few months early to XXXX XXXX XXXX where the lease originated in favor of a new XXXX XXXX XXXX  Truck. My remaining balance was rolled over into the new XXXX purchase. I have been disputing this claim of balance owed for 3 years. They have provided no proof or validation of debt. They refuse to work in conjunction with the dealership where lease was purchased and the dealership claims no responsibility that their paper work is correct showing i owe nothing and remaining balance was rolled over to new purchase. I am extremely frustrated as this affects my credit and my ability to purchase a vehicle. The first numbers on the account are XXXX and the wrongly reported balance is XXXX. They have never filed for collection on this account nor provided any proof to there claim other than what their computer says. They've been extremely combative and unwilling to fix or investigate the issue.
XXXX XXXX left a very threatening message on my work voicemail that I have saved. I have faxed and emailed Cease and Decease letters to NCR so I left a voicemail invoking this. But they are still calling work and family members
Credit card : Home Depot Consumer Credit Card I have enrolled in " Auto Pay '' and have authorized Home Depot to withdraw the statement 's balance due amount from my checking account on the due date. On XXXX XXXX, 2015, an Auto Payment was made as authorized. 
Later on XXXX XXXX a duplicate on line payment was of the same amount was withdrawn from my checking account. This was not authorized and the balance due had already been paid! 
The resulting double payment has reduced my checking account balance to a negative amount and has resulted in overdraft fees of {$58.00} and has left me with less than a XXXX balance of funds to pay bills. 
I called Home Depot customer service and spoke with a very nice representative that could see the two payments on my account but after speaking with the Home Depot Disputes department advised me that it will take up to 14 days to refund the the funds. I was requested to to get a copy of the " Bank Transmittal '' form and fax it to XXXX which is the " Existing Disputes '' Department. If I did this I was advised I may be able to get a refund as soon as 5 days. 
I discovered this error on a Friday afternoon. I have not been able to get the transmittal form over the weekend. Now it is going to take many more days to get a refund of my money that Home Depot fraudulently withdrew from my checking account. 
I have had to borrow money to pay the balance of my bills due XX/XX/XXXX.
I took out a CitiFinancial XXXX loan in XXXX. I made payments but when I was late by a payment, CitiFinancial filed a lawsuit against me. On XXXX XXXX, XXXX, this judgment was vacated by the judge. I continued to make timely payments on my accountuntil CitiFinancial sold my account to XXXX XXXX. I made the monthly payment to XXXX XXXX on account. After a short time, the account was once again sold back to CitiFinancial. I did not receive any statements but continued to make the monthly payments on time. In XXXX XXXX, I contacted CitiFinancial by phone and was told the amount due was {$2500.00}. This was incorrect. I continued to make monthly payments. In XXXX XXXX, I contacted Citi again to inquire as to why I still was not receiving statements and why there was no activity on my credit report. I was advised by email, I owed {$5200.00}. I than received a letter from XXXX advising that I had been sent to collections and Citi reported to the credit reporting agencies that I had defaulted on my loan. Even after producing the vacated judgment, they have refused to correct this. I continually get transferred and told they cant talk to me. But I was able to find out that they are now stating I have XXXX accounts. I have only had XXXX account through Citi. My credit has been affected by CitiFinancial 's inaccuracies.
It is outrageous that Equifax waited six weeks to notify half the United States their most sensitive data was stolen. It is also outrageous that this company 's shabby systems allowed the hack to occur in the first place. And their requirement that consumers waive their right to sue in order to take part in a credit monitoring service is nuts. I do n't expect much of this government but for crying out loud ca n't you at least protect us from this type of mistreatment? I suppose not.