WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed multiple items with Experian. I monitor my credit XXXX and XXXX are both XXXX points higher than Experian. They have multiple Hard Inquires which I have disputed that remain. Some older than 2 years. They are not taking off. Chapter XXXX has been discharged paid in full still not reporting that.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX , are not my responsibility.. Credit bureaus failed to give me the result of their investigation, Not to mention they will not give me an explanation as to why they wont overturn or delete this erroneous inaccurate claim that has affected my credit score tremendously. I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP
Equifax keeps lowering my credit score even though I have not had any late payments etc. The first time they lowered it by 30 points with no explanation and today I saw they loweted it by 5 more points with no new accounts etc.
PLEASE MAKE SURE YOU READ ALL OF THIS YOU WILL BE HELD LIABLE FOR KNOWING THAT YOU WERE GIVEN A CHANCE TO STOP VIOLATING THE LAW. 

This company is a fraud. They have put something on my credit without giving me chance for verification. Per Federal Law, XXXX XXXX XXXX, XXXX XXXX XXXX, and Commonwealth Financial can not prove I owe this. If this is not removed from my credit report immediately I will contact my attorney and sue each of you for damages. You might want to read the law. It is the job of the collection agency to prove ownership and you have yet to do so.
SUBJECT ; MY FEDERAL SOCIAL SECURITY DIRECT DEPOSIT : AND MONIES DUE BY DIRECT DEPOSIT ON XXXX XXXX TO MY NEW BANK : ALLY BANK ACCOUNT NOW CANCELLED BY ME, AND ALSO ; PROHIBITING ALLY FROM " STEALING MY FEDERAL MONEY, MONEY TOMORROW WHICH ALLY BANK HAS BEEN PROHIBITED BY ME FROM ALLY RECEIVING THAT AUTHORIZATION. AND " STEALING '', FEDERAL MONIES NOT YET SENT TO THEM, AND THEY HAVE ACKNOWLEDGED THAT I CANCELLED THEIR ACCESS, NOR AUTHORITY BY ME TO RESTRICT ALLY AND BY AUTHORITY OF THE XXXX. THE FEDERAL SOCIAL SECURITY XXXX. I HAVE SENT A FORM XXXX ON XXXX XXXX WITH THE FEDERAL FORM SUBMITTED ON XXXX XXXX TO AUTHORIZE ANOTHER BANK TO BE PERMITTED/AUTHORIZED TO RECEIVE/DEPOSIT THESE MONIES. 
ALLY BANK : IN COMPLAINT XXXX CLAIMS THAT A COMPLAINT BY ME ABOUT A CHARGE ON MY ACCOUNT IS STILL IN PROCESS. THEIR LATEST E-MAIL, OF XXXX XXXX ADVISES THAT THIS COMPLANT ON A CHARGE ON MY ACCOUNT IS DECIDED BY THEM IS CORRECT AND FINISHED, AND I AGREE THAT IT IS FINISHED WITH THEM, WHILE I RESEARVE MY LEGAL RIGHT TO PURSUE THIS MATTER IN THE COURTS NOT ALLY BANK, ALLY HAS ASSESSED MY ACCOUNT ON THIS CHARGE. AND FINISHED THIER INVESTIGATION ON XXXX CHARGE. THEREFORE THIS MATTER IS CLOSED. I DO N'T CARE IF THEY KEEP THIS ACCOUNT OPEN DESPITE MY WRITTEN NOTICE OF CANCELLATION, MY COMPLAINT IS REGARDING MY FEDERAL SOCIAL SECURIITY MONIES THAT HAVE NOT YERT BEEN SENT TO ALLY BANK. THIS DIRECT DEPOSIT HAS BEEN RECINDED BY ME TO THEM AND ALL THE NECESSARY AND FEDERAL LEGAL FORMS PROHIBIT ALLY FROM STEALING MY FEDERAL MONIES ON XXXX XXXX. 

PLEASE HELP ME WITH THIS SOCIAL SECURITY MONIES THEY ARE TRYING TO STEAL WITH ADVISING THAT I CAN NOT CLOSE MY ACCOUNT WITH THEM. FORMS
I appreciate someone investigating and providing details last time around from Amex. Seems like they do have all the information that is required. Hope they do have information that are not necessarily only in company 's favor. Calls should have information required to prove calls & assurance from customer service team.
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Important point which was n't addressed in previous reply was if you 're not eligible, why they kept pushing for the offer, that too while booking on   XXXX    website too. It is unfair to have users read terms during the time of ticket booking! I would like complete facts to be investigated to confirm that mails were sent with Amex offers. When customer is not eligible, why send those ( I am sure if they can keep records for 4-6+ years, while marketing it is n't difficult to NOT target those customers ). Is n't this bad business practice?
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I ended up paying extra to use credit card for meeting the stringent $   XXXX   requirement. Amex had opportunity to inform immediately after approval also to notify of non-eligibility or during the calls that followed ( once again I would like to point out that calls seem to have been recorded without consent, but hopefully that can be used to confirm assurance of the offer once I met $  XXXX k requirement ). You can also confirm that each time I was told " by mistake case has been closed, but will be taken care in a week or so ''.
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Finally after months I am being told wo n't get any miles or credit, 'I was given wrong information earlier and nothing can be done '. Underlying message was 'read terms & conditions ', all other assurances were just sales gimmick. This is beyond frustrating & bad business practice and need to be really resolved. Also need to stop them from doing this again to any other customers.
I have reached out to you before regarding my never ending problems with Rushmore Mortgage. You told them to return {$8000.00}. They credited it and then increased my amounts again. The reinstatement amounts and the acceleration amounts are skyrocketing. I will attach proof. They are still REFUSING to accept my mortgage payments, and putting my house in foreclosure. This can not be legal, can it?!? Who can put an end to this? I am running out of options and time. 

They also broke into my house and winterized it and locked it. Unbelievable.
I have an installment loan with Cash Central. It was advertised to be like a payday loan with no credit check. I was in a financial bind and made a horrendous decision taking this loan. I am now in the trap of high interest and long term repayment. I am going to do my best to get this paid off in the next 90 days. 

My complaint is I was assured that as long as I was in good standing on repayment that it would n't be reported to the credit bureaus. Well, it has been. Now it shows as a debt and impacts my DTI due to the high payment. I am sickened by this. 

Do I have any recourse? They have me in a trap with the high payments & interest rate and are now destroying my credit rating all because I bought into their predatory advertising. I am so upset & dismayed with what to do.
I have been working with Bayview for months now on trying to retrieve a loan modification. When i would call in to check the status of the loan modification, i would receive a response back from XXXX XXXX that they were having issues with the Underwriter reviewing my information. He would advise that although all documents that were requested had been received, that the Underwriter was not reviewing them. He also advised that there had been some system changes which could cause the delay. This went on since XXXX of 2018. On XX/XX/XXXX of 2018, i received a denial letter stating that my account had been denied because i have too much equity in my property. I dont understand how they would allow me to come this far, when my property had equity when i first started the review process with them. I dont find it fair that i dont get the opportunity to save my home because of the equity. I dont have the funds to bring the account current while in foreclosure. I am not requesting any payment reductions, i am simply asking they put what i am behind to the back of the loan so i can begin resuming payments. Please help, i dont want to lose my home.
I wasnt told by the people of XXXX that they were going to be checking my credit score. I was misinformed on what they were doing. Im really upset about having this hard inquiry on my credit score.
I expressed a dispute request by phone and in writing at the end of XX/XX/XXXX and XX/XX/XXXX that 2 student loans with XXXX are older than 7 years and should not be reporting. They were originated in XX/XX/XXXX and XX/XX/XXXX. I disputed this twice, it was removed and XXXX erroneously placed it back on twice without notifying me within 5 days of reinsertion per FCRA guidelines.
After numerous phone calls and a threatening letter about reporting an unknown debt of {$1100.00} owed to XXXX XXXX on an IRS XXXX, I advised the collection company The XXXX XXXX that this debt is phony, unsubstantiated and/, or long pass the statute of limitations for legal collection.
Dates XXXX to XX/XX/2018 XXXX  XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX XXXX : XXXX : Letter sent out haven't got back to me. 
XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX XXXX : Letter sent out got back with me on XX/XX/2018 with documentation with all my information stating I requested a car loan. None of those documents had my authorized signature on them. 
XXXX XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX XXXXXXXX via XXXX : Letter sent out haven't got back to me.
I go thru a website to get my earnings deposited into my account but my bank is not cooperating with the company to supply the information needed in a timely manner. This company helps me with funds before I get my paycheck if funds are tight and is needed in a timely manner. My account also was charged fraudulently and a report was made and after almost  two  months I am still waiting for the money to be put back in my account.  <P/> I also had a prepaid account with another company and my wallet had got stolen and report was made but that company refused to credit back the funds taken in the theft.
My credit report has been ok with no late payment until just recently with XXXX XXXX ( XXXX XXXX Reporting wrongly on my report. I have asked XXXX XXXX to remove Late Payment Reporting on my Report. Upon talking to XXXX XXXX they claimed they have sent a letter to XXXX. Experian to remove, till date nothing has been done. XXXX has not only been evasive over my report, nor have they corrected or prevent this wrong information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) This should not be happening. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist you comply with the law by providing correction of the information within the 5 days to avoid sue.
I have twelve different loans with  Sallie Mae . I had called two days ago,   XXXX    , to try to consolidate my loans and they told me they were unable to consolidate any of them. They then tried to convince me to be a part of their  Graduate Repayment Program  which allows me to make interest-only payments for the first year. While this seemed like a reasonable alternative, I was then told that the interest-only payments would increase the second year and add up to {$500.00} on each of my existing loans. I have over {$100000.00} in loans which they are expecting me to pay back within 10 years. Some of my loans are up to 10 % interest. My monthly payment would be about {$2000.00}. I do n't know of a single person that can afford to pay that much money per month. This amount is more than my house payment. At this point I feel my only other option is to default on my loans because  Sallie Mae  is unwilling to work with me to come up with a reasonable repayment plan.
Our company sought to obtain a loan in the amount of {$250000.00} from XXXX XXXX, XXXX XXXX. We were required to submit a 1 % retainer for the loan, which would then finalize the requirements. Unfortunately, the firm located in XXXX, was conducting fraudulence and walked away with our money. XXXX XXXX evaded all contact with our company and never fulfilled the contract we had. 

*Enclosed you will find all supporting correspondence and receipts*
Synchrony Bank / Care Credit / XXXX XXXX XXXX. I filed a complaint against them for not complying with requesting a validation with a signature from my attached letter. Now after my dispute I get an alert from XXXX that the collection was put back on my reports with this in comments ( Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department / At least 120 days or more than XXXX payments past due Comments : Subscriber reports dispute resolved - consumer disagrees ). I am trying to fix my credit, and it as looking better, now this happened. Is there anything that you can do to fix this. I want to have Synchrony bank Care Credit and XXXX XXXX XXXX deleted from my credit reports totally.
I went through a loan modification with BOA a few years ago ( XX/XX/XXXX ). My payments were made on time yet BOA held one payment and it is indicated on my credit report negatively for 7 years ( until XX/XX/XXXX ) and affects my credit rating. This should be illegal or a notation should be entered into the credit reporting agencies stating that payments were made timely but one was held by the mortgage company and not a late payment by the individual. I do not feel I should be penalized because of BOA and other mortgage company 's procedures. I would like a notation on my credit report that the " missed/late payment '' was due to BOA holding a payment even though the payment was made on time.
In  XXXX  in was subjected to fraud. I contacted my creditor  '' s  (  XXXX ,  XXXX  and experian ) to file a indentity theft and to get my accounts taking cared of. They did so in  XXXX   XXXX   XXXX  - {$470.00},   XXXX   XXXX   {$1000.00}  XXXX   XXXX  {$580.00} and  XXXX   XXXX  {$810.00} was deleted off of my credit reports. In  XXXX  these  XXXX  acconuts were updated and added back to my account. I contacted the  XXXX ,  XXXX  and experian to explain to them these are not my accounts they never were. These accounts where made under fraudulent pretenses that I had no knowledge about. I stated these same accounts were deleted in  XXXX  due to myself being subjected to fraud.  XXXX  stated it was disputed before and verified and there is nothing they can do. They told me to file a complaint by the FTC regarding my accounts. Experian and   XXXX    stated they would submit another dispute, that 's was in  XXXX   XXXX  but nothing has been deleted. These accounts are still on my credit report and they do not belong to me. I demand these accounts be removed from all  XXXX  of my credit files so that these fraudulent accounts can stop hendring me from proceeding with my government job.   Thank you
I reached out to Experian on several different occasions and told them that the address that 's on my credit file does n't belong to me. Credit report refuses to remove it. I have never lived at that address. I was told by their representative I had a mixed credit file and the address will be moved a year later it 's still on there. 


XXXX XXXX XXXX XXXX, IL XXXX
I continuously receive calls to my personal cell phone from Monarch Recovery, XXXX, regarding my ex-husband. They identify themselves as a recovery agency ( sometimes ) and ask for him by name. I have told them numerous, repeated times that this is not his phone, we do not have a legal or financial relationship, and I have variously provided his contact information and also asked them to stop calling. I receive a call from this number almost daily and sometimes during working hours XX/XX/2016, and at least weekly during XX/XX/XXXX. I have added them to my auto-block list on my cell phone to avoid the annoying and disruptive contacts. I found out that they are also calling my mom ( his ex-mother in law ), who has even less history with him. This firm obviously has my ex-husband 's current contact information, as I discussed the incident with him and he was aware of the firm and had been contacted by them as well. It should n't be OK to repeatedly contact disinterested third parties just for the sake of annoying them into pestering a person ( over whom they have no control ) into paying their debt.
I submitted my request for the REPAYE program on XX/XX/2016. As of XX/XX/2016, my loan servicer FedLoan Servicing still has not put me on the REPAYE program. On XX/XX/2016, I filed CFPB complaint number XXXX. On XX/XX/2016, FedLoan responded to CFPB and said that it would put me in {$5.00} reduced payment forebearance and then place me in the REPAYE program after it received my payment. I made the {$5.00} payment on XX/XX/2016. FedLoan then sent me a bill dated XX/XX/2016 for {$920.00}. For comparison, my previous payment under IBR was {$26.00}.
On Friday, XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX, XXXX to test drive a XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ). The XXXX XXXX was listed on XXXX as a diesel vehicle, and XXXX XXXX XXXX salesman XXXX XXXX said, explicitly, that the vehicle was a diesel during the test drive. He pointed to the " XXXX XXXX '' badge on the exterior of the vehicle as he said this. After a test drive I opted to purchase the vehicle for {$23000.00}, using my XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) as a trade-in for {$12000.00} with financing covering the remaining {$11000.00} over a 48 month term. 

On Saturday, XX/XX/XXXX, I needed fuel for the first time in the XXXX XXXX. I opened the fuel cap and found out that the vehicle did not, in fact, have a diesel motor. Instead, it was a gasoline vehicle accepting 95 octane premium. After some research, I came to discover a common point of confusion in XXXX XXXX branding. " XXXX XXXX '' indicates direct injection technology, whereas " XXXX '' indicates diesel technology. I went back to XXXX XXXX XXXX and expressed my displeasure with being deceived. I asked them to unwind the deal and they refused. XXXX XXXX XXXX ownership and sales stopped returning my calls, and on XX/XX/XXXX, they opened a loan in my name via PNC Bank. I contacted PNC after receiving the loan paperwork and explained to them that I believed the sale of the vehicle was facilitated by false advertisement and outright lies during the test drive, and was therefore fraudulent. PNC refused to the remove the account saying that this was a civil matter between me and XXXX XXXX XXXX.
They call my phone at least  13 ti mes a day but they always call from different numbers. They will call 5 times from  one phone number and then use other numbers throughout the day. My phone rings every hour, sometimes within 30 minutes of the last call. This has been going on everyday since   XXXX  .
I took out 4 Trust Account before Wellsfargo took over from XXXX. I'm missing one. Your office needs to find it. I took one out for XXXX XXXX (Found); XXXX XXXX (Found); XXXX XXXX  (Found) and XXXX XXXX (Missing). I am very disappointed with Wellsfargo Bookkeeping that causes them to loose this account. None of the children (young adults) cannot close out or should have access without my permission or me being present. The last time XXXX Account was accessed was in XXXX XXXX, South Carolina at the XXXX XXXX They need to get their record and the information. If I have to dig, I am going to charge for my time. I have called about this account numerous time. My last time visiting a facility was last week in XXXX XXXX I have filed several complaints with the department of Banking and Insurance and the Consumer Finance Protection Bureau (CFPB) regarding this account.?
Reference account : XXXX. We just took out a personal loan with Regions Bank this past month and received a letter this past week we have been turned over to collections and may be reported to the XXXX credit bureaus. Our issues : ( 1 ) This is the first letter received, ( 2 ) it is not clear if this letter relates to the loan we just took out, but assume it is since we know of nothing else owed to Regions, and ( 3 ) the local bank officer who did the paperwork stated our first payment was due by XXXX XXXX ( next Monday ).
On XXXX XX/XX/XXXX I recieved a letter from WellsFargo Auto Finance acknowledging the auto loan I had with them has been Settle in Full. They have stated in the letter they are submitting the request to the Credit reporting agencies to have report updated in my credit report file to reflect a Charge off to Settled in full account. I was also instructed to present this letter to any prospective creditor questioning the status of this account. 
WellsFargo hasn't kept there word and still reporting this Auto Loan as a Charge Off. Also I called the number they have on the letter numerous times and it no longer a working number. I contacted WellsFargo thru mail at the address they have on my credit report and my letter got Return to Sender. WellsFargo is reporting false information of me with there wrong address. 

Also for the same Auto Loan they transfer or sold to another WellsFargo Bank within there company, and having a different account numbers. I contacted WellsFargo back in XXXX XX/XX/XXXX is to why I see two reporting on my credit report for the same Auto loan with two different account numbers with two different amount finance. One with {$26000.00} and {$26000.00} the actual amount finance is {$26000.00} on my contract. I have yet to see any changes of status to this account. I wrote to WellsFargo again in XXXX XX/XX/XXXX why do I see a balance of {$2700.00} showing I owe them. Still havent heard anything from WellsFargo after numerous time of disputing this account. WellsFargo would not take the time to investigate there error reporting even provide them with copies of the letter and contract but keep updating. All credit bureaus forward all my dispute to them but would not take the adacity to respond to there error reporting. 
Now Im filing a complaint with CFPB due to false reporting to credit bureau. I will be ready to provide all documentation of my communication with WellsFargo. Thank you so much for taking the time to view my issues.
hhgregg/synchrony bank, has been taking my payments and not crediting my funds to my account with them..i make my payments on time in hhgregg store were ive purchased my items from, i have all my recipts from the store, but allways say they did n't get the payment and they charge me late fees keeping my account back in errors..there ecstorting money from me!! ... .Please HELP ME with this..
I have paid down my mortgage below the requirement for PMI. Freedom Mortgage refuses to terminate my PMI unless I pay for an appraisal at my expense. Per the below they are to automatically terminate upon reaching 78 % of original value of the home so there would be no need for me to pay for an appraisal. My house has increased in value but that should not be relevant per the below. 

Automatic PMI termination Even if you do n't ask your lender to cancel PMI, your lender still must terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. You also need to be current on your payments on the anticipated cancellation date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date. 

It 's worth noting a termination request is different than a cancellation request. Your lender must terminate PMI even if the principal balance of your loan has not actually reached 78 percent of the original value of your home - for example, because the value of your home declined.
Equifax will not unfreeze my account. Trying to buy a house but Equifax says that I have a 7 year alert but refuse to remove alert in which I did n't agree to.      XXXX  will not unfreeze my account.trying to buy a house but  XXXX  refuses to remove the alert or freeze on my credit report in which I did n't agree to.