WillisBack/dataset-financial-user-claim huggingface dataset:
There are XXXX collections on my credit report and a number of charge offs. I 'm fully aware of my lack of responsibility when I was younger. I 'd originally consolidated my debt through a company that is no longer in business due to bankruptcy " XXXX '' and I was unaware of their bankruptcy until I was harassed by debt collectors which in every right they did have the right right to do so because I was fully aware of my debts. However, I was trying to be responsible in consolidating all debts and paying back as much as I could. Now let 's fast forward almost seven years later since my initial irresponsible I did manage to pay some of the debt in full and or settled for a specified amount. As it feels great to have this behind me grant I am not proud of what I did in getting into debt I 've learned so much from this mistake that now at my age where I have clarity and know what I want out of life I 've managed to establish responsibility as an adult. However, now that I am taking my credit worthiness seriously I managed to run my own credit report through Experian to determine where I am at credit wise? I 'm very glad I did because within the report I noticed all my old irresponsible debt still haunting me and looking at the age of these accounts I did some research and noticed that creditors or credit collectors should of stopped negatively reporting on these accounts if they were settled. XXXX of my accounts from XXXX XXXX show " Collections '' however, I settled with a credit collector for the same accounts and that creditor shows " Charge-off '' On my XXXX report there is a discrepancy for a XXXX XXXX XXXX account where the account status shows " Open '' but on my transunion report it shows status as " Closed '' which is accurate because the specified amount was paid in full. Now I am not looking for an easy way out of my past its just that I want to move forward with my life and be able to purchase a home some time in the near future and I want to do whatever is necessary to get my concerns with my credit report addressed. I know this is my initial step in the right direction in getting my credit score back up even if its by a few points I want to know what are my options at this point in time? We all make mistakes and I 've learned from them in many ways.
On XX/XX/2018, I ran my credit to review my ( XXXX ) credit reports XXXX XXXX, Equifax and XXXX XXXX and I was devastated to see ( XXXX ) or more " negative accounts '' had been posted to my " EQUIFAX '' file. These accounts were not on the previous Equifax report I ran on XX/XX/2018. The accounts were XXXX old and all were negatively closed. How can they post all these accounts to my file when there is also a " XXXX XXXX '' posted on the file. Why didn't Equifax question the posting of accounts that are XXXX old and have never appeared on my personal file. I believe they have merged someone with a similar name accounts onto my file. I have had addresses and similar names previously with Equifax appear on my file in the past. 
XXXX. XXXX Bank : # XXXX XXXX. XXXX Bank : # XXXX XXXX. XXXX Bank : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX : XXXX {$4800.00} XXXX. XXXX : # XXXX XXXX. XXXX : # XXXX XXXX. XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX : # XXXX XXXX. XXXX : # XXXX
I have not been contacted by this de bt collection agency, but apparently they were able to contact IRS/  XXXX    to collect my tax refund. It seems absolutely absurd that no notification or attempts to collect a debt ( that I did n't know about ) could be just taken from me. I tried to call the company, received several calls from different numbers, only one left a message. Every number called has numerous reports of fraud. I would have been making payments on these had I known about them as I am making payments on all of the student loans that I thought that I have )
I originally looked up the phone number of NAVIENT online on my computer. XXXX XXXX is who answered my call. I asked him why my recent statement from NAVIENT did not reflect my past payments. He stated what I needed was a new loan, that decreased my capitalized interest debt to better cover my loan. He said he could do the paperwork, submit it, and deducted {$790.00} from my bank account. This was on XX/XX/XXXX. 

I later received a letter from NAVIENT, dated XX/XX/XXXX, stating that my NEW loan was denied because I was not within the 90 days of my re-up date on my PRESENT loan. I then called XXXX XXXX again to straighten this out, and get my money back. The number for XXXX XXXX first went unanswered. I called his number repeatedly. On the last two attempts, I reached a voice mail asking me to leave a message ; which I did. The recorded message said I had reached XXXX XXXX XXXX. This is the third party administrator who does all of the loan paperwork. 

When I first spoke with XXXX XXXX, I thought I was speaking to NAVIENT. That was the phone number I had called to start with. He looked at my NAVIENT account, he had all of my information in front of him, he should have known that I was not within my 90 day window to change the terms of my student loan. If that was such a deal breaker why did n't he just say that in the first place?
National Credit System is continuing to report misleading and inaccurate information on my credit report. Which is a tatic used to keep my credit score low. Account reporting ONE MONTH TERM, How is this possible? I never enter into any contract or signed any documents with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission. They should be shut down. They are taking advantage of XXXX VETERAN like myself. They are adding XXXX to my life and is making it impossible for me to obtain credit. I have only few weeks to buy a home but National Credit Sytems is making impossible by reporting misleading and inaccurate information or my credit report. 

All data reporting must be 100 % accurate, 100 % verifiable and 100 % timely or it must be DELETED. PERIOD!!!!
I was automatically enrolled in a $ XXXX/mo service when filing a credit freeze. I did not want this service. It was not obvious that I was signing up for this service.
I just checked my Equifax credit report ( XX/XX/18 ) and it has dropped considerably and does not show my mortgage accounts through XXXX XXXX, which are paid as agreed. 
I have previously attempted to request corrections from Equifax and Equifax has been completely uncooperative, requiring me to send them documentation of the error by mail in violation of guidelines which has required me to file a complaint. For this reason I am filing a complaint to get the work started.
During the times of the hospital visits, I had health insurance and full health coverage from the Department of Veteran Affairs. I went to the hospital and now they refuse to accept the insurance. 

The collections are : Kings Credit Services Original Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX. XXXX, Amount {$1300.00} 2. XXXX, Amount {$130.00} 3. XXXX, Amount {$450.00} Original Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 1. XXXX, Amount {$80.00}
So I was activated and placed on XXXX XXXX orders and sent to XXXX from XX/XX/XXXX to XX/XX/XXXX. Previously I paid my Chase bill by going into the branch. Around the time of my XXXX Chase ceased mailing the monthly statements to my residence. My wife was not on the account. The bank refused to communicate with her. She had a POA. They refused to take cash payments from her. They are reporting XX/XX/XXXX and XX/XX/XXXX payments as late. I am protected under SCRA and received credits going back through XXXX that mean there were no late payments. We made a payment timely in XXXX that was 10 times the amount of the minimum due. Chase is refusing to allow for the fact that while deployed I could not go to the branch and my wife could not pay in cash as she was not me. One of their representatives treated me so vile it was beyond discussion how anti-military that company is. I will stop at nothing to correct this wrong as long as I live. I tell everyone that Chase is an extremely Anti-Military company who are discriminatory towards service members who are serving in combat zones. Please correct this wrong. They have never responded to my complaint. After adding my wife as an authorized user they claimed they would only respond to me through CFPB. Now that I have returned and am still on XXXX XXXX, they need to be forced to respond to me.
I opened a savings account with Capital One 360, looking to get their signup bonus. On the account confirmation screen after I had successfully opened the account, it confirmed that I could earn a bonus by maintaining a certain balance for 90 days. I then transferred {$36000.00} into the account and called in to confirm that it would all qualify for the promotion. I was told that I had an ING savings account 8 years ago, which disqualified me from the promotion, even though it clearly stated on the confirmation page after I opened the account that I was eligible ( I have a screen shot of this page, and it is very clear ).
I paid the remaining balance that I owed on the subscription XX/XX/2014. I have not recieved any services from XXXX since XX/XX/2014. Why open a collection two years later? This is now the second time this company is harassing me for money that I have already paid to them!
The loan company that I consolidated my federal loans with refuses to lower my interest rate by 2 % as was agreed upon despite years worth of on time payments. I consolidated my loans in XXXX. Under the agreement, I was to receive a 2 % drop in interest rate once I paid XXXX payments on time. I called them when it was time for the interest rate to drop and they stated XXXX payment was late. A mistake had occurred because of a federal holiday falling on the day that the payment should have gone through from my bank automatically. They cleared it up with the bank and stated they now counted the payment as on time. In order to further avoid this mistake, I backed up the payment date so that I paid early every month. They now state that because my payments came too early, they were not " on time '' and refuse to lower the interest rate. Then my employer paid lump sums and they sent me something saying I could count that as years worth of payments and was paid ahead, but again, because I did n't make XXXX payments within the time period, they state they do not have to lower the interest rate. Overall, the interest rate should have been lowered 2 % in XXXX and I should receive credit for the difference of interest I have paid since then. Please help!!!
XX/XX/2014 I was approved for a FHA XXXX modification and a KEEP YOUR HOME CALIFORNIA REISTATEMENT GRANT. I was sent a copy of the approval, monthly payments that I would be making, interest of 43/4 and was waiting to receive the loan docs. On XX/XX/2014 I had already made two trial payments and was informed by the loan servicer that my loan docs were sent to me by mail, I also received a phone message that my KYHC file was being closed because my loan servicer had opted out of giving me a loan modification because I had not provided them a document that had been requested and I no longer had a loan modification. I contacted my loan servicer and was assured that I no document was missing and my loan modification was secure and that KYHC had opted out and would not be offering any financial assistance to reinstate my loan. I tried to explain to KYHC that I did have a loan modification but KYHC refused to contact my loan servicer and sent me an email that when I start making more money I could reapply for assistance. This information was false, once my loan modification docs are signed KYHC will not offer a home owner assistance. I recently filed a complaint against KEEP YOUR HOME CALIFORNIA with the California XXXX and again I questioned my loan servicer who still maintains that they did not opt out of accepting financial assistance.. KEEP YOUR HOME CALIFORNIA addressed my claim but the story has changed slightly. They maintain that an opt-out document was received from my sevicer and that an opt out can be decided for no reason or any reason. I want to also state in my claim that my loan servicer treated me just as bad. A {$35000.00} balloon payment was never stated or was addressed when I received the preliminary approval for the FHA HAMP loan .I wanted the fees explained and asked why this was never mentioned. My loan servicer refuse to discuss the balloon payment or itemize the amount I was being charged. A debt counsler that I had been assigned to called my loan servicer and a three way conversation was held. The request again was made to itemize the {$35000.00} and the servicer agreed. I was then told that the late payments added up to {$22000.00} which I already knew and that the rest were fees. I got nothing. I than received a letter from my loan servicer that due to my inquiry an adjusted fee was discovered and now my balloon would be {$37000.00}. New loan docs were mailed to be signed and notarized again. Also, soon after my first mortgage payment I was informed that my new payment would now be {$79.00} more due to a rise in taxes. My loan servicer decided the value of my home would jump from {$140000.00} to {$190000.00} and was well aware that my taxes had been hiked. So you see I have been treated very bad and both of these agency are pointing the finger at each other.
On XX/XX/XXXX Transunion deducted 80 points on my credit report when I paid on some of my accounts and brought down the balances on these accounts, instead of my score going up they brought it down. while on the same date my XXXX  score went up when I lowered my balances there is 95 point  difference between the two my trans is XXXX and my XXXX is XXXX, I have one negative account that they said is the reason but it has been on there for 12 months
I called all 3 credit bureaus about several inquiries that were not mine and a few that were duplicates listed in my report. I disputed these results and every time I call in they tell me there is no dispute. XXXX  told me I had to dispute directly with the company that did the inquiry. I sent notices to them and did not receive communication back. I updated XXXX on XX/XX/18 as well as XXXX  and Transunion and was told they could not help me. I have 45 inquiries on my report and only 6 are mine and accounted for. All 3 credit companies will not aide me in the removal process.
I received a letter from XXXX XXXX, XXXX on XX/XX/18. This letter was for debt collection of {$750.00} from Paypal Inc. I do not owe Paypal any money. 

I called Paypal and verified that, I did not own them anything. The person I spoke with stated that they do not do business with XXXX XXXX. He told me to ignore the letter. 

I called XXXX XXXX and explained the situation. The representative told me that I owed the money, and suggested that my Paypal account had been hacked. I told him, I would file a criminal complaint on this issue, and he asked me if he could file the complaint. When he stared asking me personal questions, I told him, I would do the complaint myself. I had no idea who this person was. 

This morning I did a XXXX search on the company, and found that they have a long track record of collection fraud.
During the process of refinancing my home to go to a 15 year mortgage with bank of America, the appraiser they hired lied, and wrote my house up as being less sq footage, with less bathrooms and less bedrooms then it actually is. Therefore making the house worth way less, giving me a higher interest rate and keeping my pmi. They also used houses to compare my house too, that are in much worse areas and much smaller. My appraisal was a complete scam and when I called them out about it, I did n't hear back from them for four days. I was charged {$540.00} for the appraisal.
On XXXX I noticed that my Bank of America account was in the negative, and that an overdraft protection fee had been applied to my account without any charges prompting a negative balance. Essentially we were charged for an overdraft fee when our account was not in the negative ; this fee then caused our account to be taken into the negative. We were given an overdraft transfer feel when our account was n't actually over-drafted, and this fee ultimately created a negative account. 

My husband, who shares the account with me called Bank of America to inquire why they would post the charges this way ( some past charges were not posted in real-time ) he was told that the transactions could be deceptive but were unwilling to refund the {$10.00} overdraft fee which caused our account to go into the negative -- when there was NO need for the overdraft fee to be applied in the XXXX place.
I contacted Macy 's and requested a goodwill adjustment of their credit reporting. I have been a customer since XX/XX/XXXX and have only had three months of past due status. All three were in XX/XX/XXXX. I continue to be a customer with them.
Borrowed {$300.00} from XXXX. Set up payments for {$56.00} bi weekly. First payment started XX/XX/XXXX ans last payment is scheduled for XX/XX/XXXX. I am a resident in Georgia which I thought was a state that prohibited payday loans. So I should not have been distributed this loan or the interest should be capped at a certain amount. I dont feel like I should be responsible for this balance. I never received a copy of terms of loans besides the payment schedule
XXXX XXXX XXXX reported a collection account to all 3 major credit bureaus. I disputed the item and XXXX and XXXX deleted the collection account from my report. Equifax provided me with their " investigation '' results almost immediately upon me filing my dispute and advised the item was " verified as reported '' and that the account in collection belongs to me. 
I am afraid to continue to dispute this item for fear that out of spite the collection agency will re-file their report of this account that is not mine to XXXX and XXXX and I will be back at square one. Can a collection agency do that? What are my rights to demand Equifax stop reporting a collection account that XXXX and XXXX  investigated and determined it is not mine and deleted it?
My name is XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
I had a debt with XXXX I had been paying. I had a car accident and became temporally XXXX with a XXXX and was off work for a long time. I finally got back on my feet but have some medical issues with some things that I need help with still. XXXX sold my debt to XXXX who I had been paying until I could no longer. Then they got Weber and Oclese to recover a large amount from me. I started paying on the debt in XXXX 2015 again. I asked them to accept what I could pay and I would try and pay them often until the debt was paid. They kept telling me to call. I did not wish to call because I need everything in writing. I continued to pay, and got a receipt from them thanking me for a payment of {$25.00}, {$100.00}, {$32.00}, {$12.00} payments starting in XXXX with an explanation BUT THEY STILL CONTINUED TO serve me with a summons. I kept paying and kept asking them to drop it and work with me on a plan. They ignored my requests after I told them that I could not pay a large amount and even though I was paying, they proceeded with got a garnishment with my local court and theirs to now lock onto my tax return even though I paid the debt in full! Now they say I owe them {$480.00}! 

The date of the first summons was XXXX. I had started in XXXX paying on this debt.I have submitted several receipts and continually asked if they would drop a pending summons of wage garnishment because I had been injured in an auto accident and was trying to get back on my feet. I have since found several medical problems from my injuries. I have other bills to pay but had also been trying to pay them. The requests went ignored and they kept telling me to call. Since I had a XXXX in the accident I got help with figuring out my finances. I could not call them because I get confused easily so my father had filed a complaint. It went ignored and they accused my father and mother of filing the complaint. They proceeded with a garnishment not only of my tax return but a judgement ruining my credit, even though I was paying on and paid it IN FULL OF {$440.00}. now say I owe them $ XXXX only had the {$440.00} and that is all it said on the website to pay.
Wells Fargo will not provide a payoff on the reverse mortgage unless I am the appointed representative of the deceased. But I am the brother of the deceased and can not afford the cost of becoming the representative when my POS brother had no assists. the deed to the home is already in my name as right to survivorship. The reversed mortgage was taken out in secrete and before my half ownership was added to the property. Wells Fargos  are  XXXX . Why are they discriminative? Who the  XXXX  gives a  XXXX  who pays off their  XXXX  loans. The POS deceased is dead already. As long as the note is paid that reverse mortgage should be closed!!! The amount of  XXXX  is acceptable as of the last statement  XXXX   XXXX ,   XXXX  .     There is no law indicating that I have to become the personal representative of my brother when he had no assists. It is idiotic and selfish o f Wells Fargo to   impose such requirements to pay off a note absolutely ludicrous they care about  no one but themselves. Wells Fargo is  a piece of  XXXX  financial institution that i hope goes to  XXXX .
I spoke with a TransUnion repeatedly about unauthorized fraud applications being file on my report they are refusing to help me by disputing. I placed a fraud lock on my profile and XXXX  XXXX XXXX and another credit on SaturdayXX/XX/XXXXplace a hard inquiry on my report. I am requesting this to be removed as I did not apply to these companies. TransUnion is refusing to assist
Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ) .We have been advised that the loan does not qualify for a loan modification due to the income submitted showing the ability to afford. The client income submitted is roughly 10,000. with expenses around 8,000. We feel the lender has failed to take in to account the borrowers change in circumstances and ability to now pay due to the change in hardship. We feel the lender has handled the file improperly and failed to consider all factors.
Received Chapter XXXX Now years later mortgage company is posting on my credit XXXX BalanXX/XX/2016 Account Number XXXX Creditor Name OCWEN/LITTON LOAN SERVIC Industry Type Mortgage Companies Street Address Line XXXX XXXX XXXX XXXX XXXX City XXXX Zip XXXX State TX Amount Delinquent XXXX Payment Status Unknown Creditor Preferred Contact Other Consumer Statement Chapter ce but has effected my score why would they do that Litton Loan co
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

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