WillisBack/dataset-financial-user-claim huggingface dataset:
While checking my credit report I noticed on XXXX credit report that a medical collection account was listed. I disputed the unverified account with XXXX on XXXX different occasions however they say that it 's verified and failed to provide me any information on the method of verification. I do not have any knowledge of this alleged medical debt and XXXX has ignored by dispute and refuse to re-investigate or provide information to me.
I was never late paying XXXX XXXX XXXX XXXX I disputed the accounts with XXXX , XXXX  and Transunion but they did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Quicken loans is reporting that I have Tax Liens even though I have paid them off and are informing me that I do n't qualify for a VA Home Loan because of it. Can you help me with that?
I am concerned about the validity and accuracy of the recent investigation done by Equifax and XXXX..I requested for an investigation because the account XXXX XXXX XXXX, XXXX XXXX, XXXX, I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
I have been consistently paying Navient, private loan, for over 5 years. Originally, they were collecting my extra monthly payment and using it for future payments. My balance would should XXXX every month due to over paying. 2 years ago, I found out about this dirty practice and had them change extra payments to go towards principle loan. 
These past 3 months, it seems they changed my payment method back to extra payments being pushed to future interest or pay, showing a XXXX monthly pay balance. After paying off $ XXXX on a specific loan, I repeatedly told a Navient rep 2 months ago, I want extra payments to go towards principle. They did not comply to my request and have continued to keep my payment method same. This is a dirty practice and they are collecting " free '' money from the hardworking consumers. The loan balance has not gone down and they are stealing. I would have been done paying off the private loan had they put my extra payments to the principle loan. Please put a stop to this form of payment system by Navient. Thank you.
Bank of America suspended my wife and I use of my home equity line of credit effective XXXX XXXX, XXXX. I received this notice through the mail on XXXX XXXX. BOA said this suspension was based upon the decreased equity available in my home. I called up BOA and said they have never been to my home and this was based upon a formula. I asked for the formula and was declined this information. I live in XXXX XXXX Maryland where the home values have increased and not decreased since the home equity loan I took out in XXXX XXXX, XXXX. Since then I have made substantial improvements on my home. Since opening the home equity loan both my wife and my credit scores have also increased, although this was not in contention. I also paid a significant portion of my load down in the pst few months. It is my contention that they are doing this without due process., without due diligence and are artificially devaluing my home without the correct information needed. In the same XXXX XXXX notice, they make it incumbent upon me and my wife to bear the burden of proof that my home value has not decrease and request a reinstatement. This is insulting and just plain wrong. I believe I have suffered injury as my family 's credit has been significantly altered by this outrageous, unthoughtful decision. This is also a defacto breech of the Deed of Trust that BOA agreed to ( see page XXXX - Assignment of Miscellaneous Proceeds : Forfeiture. ) as BOA has failed to prove loss in value of my property and requires me to.
Phone Numbers listed are not my phone numbers nor do I no how they was obtain. 

Numbers showing are not right I have sent a copy of phone numbers that belong to me. It makes no sense that all these numbers on my credit file. I do n't own no toll free numbers as transunion is showing. 

I 'm filing with the FTC as well to the issues with Transunion on this problem. I have listed my numbers and numbers that have belong to me in the last 3 years the rest are not my numbers. 
I need proof from trans union to prove the numbers belong to me in my name. I need proof from what ever phone company that Transunion is showing on my credit file that it belongs to me. 

I have a copy uploaded to XXXX from the phone company bill. Transunion has XXXX that is not my phone number.XXXX
I checked my credit score recently and saw that there was a hard inquiry done by XXXX on XX/XX/2018 on my credit report that was not authorized by me neither was I informed of a credit inquiry being done on my credit report. I later spoke to XXXX XXXX XXXX and they told me they want to know my credit score and then a hard inquiry which I did not authorize also the car that they sold me was a lemon so I took back the car.
Here is my complaint, after much research and develop, I dispute the collected data. The marks are prejudicial ; derogatory, non-credit worthy, in-correct & dispute citations reported by XXXX, XXXX, and XXXX. Do these agents take any responsibility according to ( F.C.R.A. ) Fair Credit Reporting Act 1970 against { XXXX/CARE CREDIT }? So I submit to you for examination, that this data also made by XXXX, XXXX, and XXXX violator of the ( C.C.P.A. ) Consumer Credit Protection Act 1968 because its a consumer.

XXXX XXXX XXXX  said, An unfair law is no law at all its that unfairness which certain aspects are reported while others omitted, its unnecessary complex. I consider fair is removal of all negative citations which prejudges another. Since this type of reporting to perspectives like businesses, creditors employers alike ( places rose colored glasses on their eyes ). Hence it must be fair since both are looking for honest brokers. Fair is stated, PAID/CLOSED and REMOVE ALL HARD /SOFT INQUIRIES reflected.
XXXX is incorrectly reporting an increase in the balance owed to Regional Acceptance Corporation of {$260.00} which lowered my credit score. This is not correct. The original amount owed was {$16000.00} and the current amount owed is {$16000.00} No payments have been made 30 days or more late. Statements attached for review.
The company has failed to provide any type of proof that this debt even belongs to me. The company never submitted a letter or any type of notice that I a debt with the company but in the mean time the company is reporting on my credit report. Since noticing the account being reported on my credit, I have submitted a Consumer Debt Validation which I have attached.
I owe past fees on my student loan account with Navient ( XXXX ) in the amount of {$320.00}. I received instructions that I could submit a separate payment and designate the total to go to either the fees or the principal balance ( since this was a separate and extra monthly payment ). When I sent in the extra payment for the amount mentioned above, a portion of that payment went to satisfy the balance mentioned above and the rest went to interest ( about XXXX % of the payment ). When I called to request the payment to be re-allocated to the fees balance, I was told that this was not possible, that the interest needed to be satisfied first. I feel that I was mislead by the instruction initially given to me by Navient, by the Navient website for only mentioning that I owe the {$320.00} for the fees, and by the payment specialists not being able to satisfy my request. This was an extra payment that was submitted. The interest should apply to the next time I make my monthly payment. This feels like Navient is double dipping when I make extra payments to catch up to my outstanding balance ( in a good faith effort ). Everything I looked at that showed what remaining past due balance I had did not mention that a portion of my payment would go to interest. Had I known that, I would have adjusted my payment. That 's why I feel I was mislead. I 'm requesting that the portion that went to interest be re-allocated and fully applied to the past due fees balance. Thank you for any assistance you can provide.
I make my monthly mortgage paymnets by an automatic withdrawn of my bank acct ea month : by the XXXX the total amount of the mortgage is paid and I am never late with the due payment. Starting XXXX XXXX I tried to refi this mortgage. The loan officer was super slow on her work : every several weeks or even months she would ask me more docs needed for the closing. On XXXX XXXX she told me she ca n't close because I had a shortage on my escrow account. I was asked to pay {$790.00} for that escrou to be brought up to day. I send the payment on XXXX while I was also making my regular monthly payments. On XXXX XXXX I was short about {$75.00} ( rounded up ) due to my fault as I forgot to modify the automatic payment to reflect the new increased monthly payment due to the modification of prpperty taxes. Conclusion : although I made extra payment towards the shortage on escrow and I made all mothly payments in time, PHH mortgage mingled with my funds : it took money dedicated of paying the mortgage and dedicated to the escrow making the mortgage to be in defauls for two months. I had several discussions with representatives, all located in XXXX, and I receive daily collection calls for me being at " default '' with my mortgage payment. All this is not true as per above my mortgage is paid in a regular basis in full by automatic withdrawn. I made a complain to the president of the company about this situation early XXXX. No conclusion. The letter received on XXXX/XXXX/XXXX tells they are still investigating where is my money. Definetely the book keeping is very bad or somebody mingled with the money : they are unable to give me a decent explanation of why they stop applying the payments to the mortgage and kept my monthly payment twice. I figure now in their books that I pay about $ XXXX mo and change instead of my {$840.00} send monthly from my bank account. The result of this messy book keeping affects my credit report as I figure in pre foreclosure proceedings. None of the representatives I spoke with is unable to track down where is my {$790.00} send in XXXX, why they stop applying money send towards the payment of the mortgage and why I figure out as paying $ XXXX while up to XXXX I send ea month {$840.00}
I previously filed a report for Identity Theft with FTC. I have placed alerts on the XXXX credit reporting agencies. I am asking for immediate remove the of the credit inquiry, due to failure to follow procedure with Identity Theft and they have refused, and will not remove their inquiry. I simply would like to have their inquiry removed, they failed to follow procedure, therefore it is invalid. I did not make this request.
XXXX XXXX collection agency contacted me to discuss a claim in reference to my daughters XXXX XXXX XXXX XXXXXXXX I advised them that I was working with dental office and my insurance carrier that the is a dispute between my surgical plan and my dental plan. I advised that they are both pointing the fingers at each other. my company HR representative is also working on it. this is not my fault, its a insurance issue. As of XXXX XXXX, 2017,  theres a 180-day waiting period before unpaid medical debts can show up on consumerss credit reports giving me and my insurance carriers sufficient time to investigate the representative from agency was rude and told me they were going to sue me. 

all 3 bureaus have placed on my report
Continued CFPB case NO.XXXX Participated in Second Quater Promotion of Citi Bank in XX/XX/XXXX. Citi Bank refused to credit the bonus and required a W-8 form from me. I sent a W-8 form on XX/XX/XXXX and was declined due to missing information. On XX/XX/XXXX, A staff of Citi bank from New York contacted me directly regarding my case and asked me to send the W-8 form as well as a supplement form of W-8 form to him directly. I sent out the package on XXXX XXXX by XXXX ( tracking number : XXXX ). It was delivered on XX/XX/XXXX, I try to call the number provided on the letter : XXXX ( XXXX XXXX ) several times on a different date. It seems Mr.XXXX is with the clients or out of the office every time. Today is XX/XX/XXXX and I called Citi bank earlier today. Citi Bank started a review of my account and asked about my parents ' information. NOTHING ABOUT MY BONUS BACK TO XX/XX/XXXX. I try to chat with a representative and he said nothing was updated so far.
I have moved out of the USA and have had a very difficult time managing my student loans. To make payments from overseas international accounts are not accepted. I have since opened an account in the USA. Due to family circumstances I have had to altar my repayment and even defer payment for a time. I borrowed {$28000.00} and despite making payments since 2008 I now owe {$36000.00} because the interest rates are astronomical. My mother is the cosigner and my father is XXXX, so she is unable to assist in repayment. I am worried about getting her into financial trouble, but am doing my best to fulfill my obligation, but I do n't see an end in sight. My only option at the moment is to extend my repayment period to lower my monthly payments and still that is not manageable. I 'm at my wits end trying to figure this out and to be honest quite XXXX and XXXX. If I had known or been better educated at the time of borrowing, I would have NEVER taken out a signature student loan. It was marketed as a friendly option to students and has been anything but and the biggest regret I have. I would have preferred to not have my XXXX XXXX degree then be stuck in this horrible contract.
Dear Attorney General, US Department of Justice, and Department of Education Just so you know what XXXX XXXX is doing to my account. 

I made a payment online on XX/XX/ in the amount of {$190.00} it was processed by chase on XX/XX/. 

On XX/XX/ fedloan placed my account in forbearance without my authorization stating the Department of Education notified them that I was in a disaster zone. I said which disaster and the rep said she didn't know. I do not live in a disaster zone. 

I told her to take me out of forbearance. I called back, to confirm it was done, then the automated service said I was 9 days late.. The payment once again I made was cleared by chase on XX/XX/XXXX. The forbearance letter is also dated the XX/XX/XXXXthe same day my payment was made. 

I was forced to make an additional payment of another {$190.00} in panic tonight XX/XX/ as the automated service said I was 9 days late even though the payment on my account said paid.. 
Now I have given XXXX XXXX {$400.00} this month and next month they increased my loan payment to {$190.00} what's going on????
At XXXX on XX/XX/18 I received a call, was trying to discuss my debt and the tech did not have my information available. He then placed me on hold, approx 10 mins. Never took me off hold and never called me back. on XX/XX/18 I received a call but since I am working I am unable to pick up. They proceeded to contact my sister who has no relation with this debt, nor is on any student loan. She told them she would relay the message. Then at XXXX they contacted my place of work!!! I told XXXX she was not allowed to do this and she said she was and she could. I contacted the number back on my phone and said to take off my work number. How and why is she calling people who are not involved in this debt?! Is this legal! I feel like my rights are being abused by this company by looking up phones numbers to anyone and everyone.
Back in XXXX of 2016 I got an offer to transfer balance and get interest free for 1 year. I thought this was something that could help me get my bills lower, however due to deception I did n't realize that when I make the payments Discovers computer will pay down higher interest first, meaning that unless I paid all the previous balance first. So I transferred XXXX dollars and later found out that I had been tricked and ultimately got no interest free promotion on the XXXX dollars and ended up paying full interest. Discover hires smart people to think this up and they know exactly how it will play out.
Today I found that 2 payments were made for the monthly payment. I had thought I was going to be late in the month of XX/XX/XXXX and called Discover to see if they could deffer the payment for 1 month. They would not do this and instead talked me into setting up an auto pay for the following month. This is not what I wanted, but the gave a XXXX dollar credit ( still not exactly sure why ), and talked me into the autopay. I ended up making the payment on time and called to cancel the autopay and for some reason it was not canceled and rather they rolled it over for another month. This is not what I wanted and not what I called about. But because Discover wants everyone on autopay they pushed back and ultimately did cancel the auto pay which was the ONLY reason i called that day. Today I had to spend almost 2 hours getting discover to fix their mistake. This involved a conference call with my bank to be sure the payments really went through ( guess they did n't believe me ). They wasted my time and I want compensation for this gross waste of my time.
I have had difficulties have the credit bureau give incorrect information on my credit report. I have sent documentation from the company stating the acct are not mine and are fraudulent. They still will not update the information.
XX/XX/XXXXUNIVERSITY ACCOUNTING SERVICES & XXXX XXXX XXXX XXXX .... 
THIS IS MY XXXX STATEMENT AND ALREADY IT HAS PAST DUE CHARGES ON IT ... 
THE AMOUNT I OWE WENT FROM {$900.00} TO {$910.00} with Interest of {$4.00} plus Past Due Charge of {$3.00} ... .and this is my FIRST Billing ...!!! 
DescriptionXXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXXLoan DetailsID XXXXXXXX ; XXXXDescription XXXX XX/XX/XXXX ; XXXXStatus GraceCurrent Balance $ XXXXCurrent Principal $ XXXXCurrent Fees ( Interest Bearing ) $ XXXXCurrent Fees ( Non-Interest Bearing ) $ XXXXCurrent Interest $ XXXXCurrent Interest Rate 8.900000 % Amount Due $ XXXXDue Date XX/XX/XXXXAmount Past Due $ XXXXCurrent Interval MonthlyAccurate As Of XX/XX/XXXXTHIS IS FRAUDULENT AND PREDATORY BILLING ....!!
I received a Home Depot credit card statement for my card at XXXX XXXX this morning, Thursday XXXX  XXXX,2017 informing me of an interest charge of {$240.00} on a balance of {$690.00}. 
The company handling the card for Home depot is XXXX XXXX XXXX XXXX, a Federally regulated institution. The only address they gave me is XXXX. XXXX XXXX - XXXX - TN XXXX. 
I offered to pay the {$690.00} right away but they refused, arguing I had benefited from a previous forgiveness of interests in similar circumstances. 
I argued that they should have given me earlier notice and they said I had received their regular statements. They stated that their interest amounts to $ 25.99 % but of course {$240.00} for {$690.00} balance is way more than that. It is a trick to charge usury interests and this is why I file this complaint. 
I am asking that they forget the {$240.00} if I pay the balance right away and be timely advised of their agreement.
To whom this my concern, I have dispute several accounts or more on my behave in witch when I have first got started also pull my credit for the following companies : On all 3 credit reports I request to update all my information still to come in 4 months time I see some items are being deleted also coming back on different address I still maintain some of the items are over 5 to 10 years or longer is still being reported I fill like if these items are showing off close charge offs or no date for the time period it should be removed
I have no knowledge of the said debt and would like it removed as its reporting to the credit bureau as an open account and is negatively affecting me. This information was also shared illegally with a third party without my consent.
I have had loans threw State Farm Bank. I recently requested a loan quote and I was told because I am an XXXX I can not borrow money from them to purchase a Vehicle from this business??
I have a credit card fraud few years ago, which is {$550.00} from my XXXX credit card, and the transaction was with XXXX XXXX. Finally the issue was resolved by the bank and XXXX, and the money was refunded. 

On XXXX 2015, I saw in my XXXX credit report, there is a collection from a XXXX party collection company " Enhanced Recovery '', with {$550.00} amount, stating XXXX. I worked with my bank and the collection agency and finally resolved after few weeks painful work. It was finally removed. 

On early XXXX 2015, I noticed the collection is back to my credit report again with a different collection agency " XXXX '', on my XXXX reports. 

It 's been ridiculous, and it 's extremely painful to work with XXXX XXXX and the collection agencies, since I was never a customer of this company, and each time I contact XXXX, customer rep always states I was not a customer, and they do n't have my info. And collection agency always ask me to get info from XXXX XXXX. 

It 's illegal to collect a debt that I do n't owe ( and resolved by bank and debt owner few years ago ), and repeatedly show up in my credit report with different collection agencies.
I have been trying to get financiallybstable and they keep making me go to a forbearance account so I can gold payments without telling me the consequences. Also, they have missplaced payments and my information is incoreect. I have successfully paid XXXX and XXXX which was the original loans and I ca n't keep track of what I paid and did n't because they kewp bouncing me around. I believe I have paid everything and they want to keep making me pay. They need to erase that debt out of my credit. It is affecting me to progress further.
I opened an account with transunion that allowed me to lock and unlock my reports from Transunion and XXXX. I did this because there was an unauthorized inquiry and i wanted to protect myself from this happening again. Fast Forward we were set to close on our home XX/XX/XXXX the bank attempts to pull my report on XX/XX/XXXX and of course only gain access to XXXX. Being that we are due to move out of our apartment by XX/XX/XXXX and we have XXXX young kids I instantly unlocked both via the online account which is said to be instantly. I called both XXXX  and Transunion and Confirmed that they have no lock no freeze or fraud alert keeping my lender from gaining access and they assured me it hadn't been locked since i unlocked it on XX/XX/XXXX. Well surely they lender attempts and only gaines access to XXXX yet i can access all from each account that i have and its dated for XX/XX/XXXX. I need help today we need to close on our home we have nowhere to go and kids are disenrolled from school as of today because the new place is located in another city well without the address by getting the final XXXX we are seriously stuck. I NEED help we have merely 6 hours before we were going to go to close in XXXX by XXXX! 
I dont know what else to do if both agencies keep saying its unlocked and the lender is saying they can't pull it!!