WillisBack/dataset-financial-user-claim huggingface dataset:
This agency hireright.com, aka XXXX, provides driver and credit data to companies looking to hire people. For the past 10 years i have disputed and disputed the incorrect data and they have not corrected it. I have suffered incalculable economic damage in the form of lost job opportunities because of these people. It was so bad that I was party to a class action lawsuit in which they lost and received a small settlement about 2 years ago. Even now my work record, consumer data, and even my name is n't being reported correctly in their reports and they refuse to address it. They will say otherwise but I was just informed today that i was not being hired because of this information by XXXX.
Nationstar Mortgage is not providing a loan pay off statement despite numerous requests. Are they not legally obligated to provide this in a timely manner. Also, they state on their website that I am charged {$25.00} every I request a payoff statement. I have requested it XXXX times. Yet, they have sent me nothing. So, they are going to charge me {$75.00} for them not doing anything?
I have filed a total of XXXX disputes with this credit reporting agency. The XXXX other credit reporting agencies HAVE corrected or removed errors. The third ignores my disputes as well as proof I have sent them of their errors on my credit report!
Set up for automatic payments in XXXX. Two payments were taken out. In XXXX no payments were taken and a late fee assessed. Contacted BofA and was told that it was not set up for automatic payments, so I did it again, but they refused to remove the late fee.
On the XX/XX/XXXX I submitted a request via telephone to TransUnion credit report agency regarding several inaccuracies on my credit report which I requested that they verify and or delete during this investigation that I requested with them. I received a letter dated XX/XX/XXXX in which transunion 's response to my request is that transunion 's response is the accounts are verified as accurate and updated there is one revolving involving enhanced recovery company and another regarding XXXX XXXX XXXX which is listed as verified as accurate. Which can not be true because that was a car loan I sold the car in XX/XX/XXXX so there is no way that during the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I  would be 30 60 and 90 days past duebecause I purchased a new vehicle and the financial institution paid off the old loan. Transunion is not doing anything to assist me in this matter. And therefore I formally am filing a complaint thank you.
My capital one credit card went missing and a few unauthorized charges totaling around {$1800.00}. I followed the necessary procedures to file a fraud claim and was denied {$1100.00} of the charges stating there are " no indications of fraud. '' This has been a sham with capital one since the day I reported this and I can not get anyone to help. I 've left numerous voicemails with no return calls and a certified appeal letter that has also gone ignored.. These XXXX particular charges that they are denying are from the same merchant and state that items were shipped to my address, but yet can not provide a tracking number not a delivery service in which I can follow up with. In addition, capital one stopped short of calling my family thieves and indicated that someone in my household must of made this transaction.
We had an outstanding debt with XXXX XXXX for the birth of our twins. 

We paid XXXX XXXX the {$990.00}, and according to the hospital, the account was settled on XXXX XXXX, 2015. 

A collection agency called Harris & Harris continuously calls and harasses us saying we owe them money for the balance. No matter how many times we tell them they have paid, they keep calling and saying we owe them money. 

First, they lied to us the reason they were calling is because XXXX lost our payment and had n't posted to my account. When I told them XXXX posted our payment on XXXX XXXX, 2015, XXXX XXXX told me it 's in my best interest to show Harris and Harris my bank statement to prove payment. He finally relented and said he would make an inquiry to XXXX XXXX. There is no explanation as to why an inquiry was never made beforehand. 

I need these people to stop calling, and I am not about to give these charlatans my bank statement to do so.
I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX   ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, and XXXX XXXX XXXX XXXX ... They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
I applied for a student loan in XX/XX/XXXX/XX/XX/XXXX totaling more the {$16000.00}. Since then I've lost my job got married moved away and divorce. After losing my job I was unable to pay my student loans or bills. I did however, called the student loan department and file for deferment and forbearance until I was able to resolve my personal situation. It was until XX/XX/XXXX I was able to consolidate all my XXXX XXXX and make one payment. Transunion Reporting Agency is still reporting my XX/XX/XXXX/XX/XX/XXXX XXXX XXXX as delinquent. I've called the reporting agency ( Transunion ) to dispute the the closed and consolidated accounts and to them remove form my report and there response was to send in a consolidated later form XXXX XXXX XXXX and then the old account can be removed. I faxed over the latter and still not removed, I've called and ask why are the old account still reportingand there response was you have to get in writing from XXXX XXXX XXXX another letter stating, REMOVE FROM REPORT! This has been going on for several months. Back /fourth I called Transunion agency yet again and ask for the removal and there response was the accounts can not be removed for another 7-8 years from  delinquent reported date! That means the old account will have been on my report reporting negatively for more then 18 yrs. HELP!!!
constant throughout the day every day the phone rings from XXXX to XXXX, no messages left, even if we answer the phone no one is there, they are a debt collector, we owe no one any overdue debt. The phone ringing for no reason is annoying daily and want it to stop. The number calling is- XXXX ....
I had a government loan for school ( several ) one of which they were trying to collect for a school that I did not attend and they did not have a signed promissory note for. I consolidated my loans in XX/XX/2016 and they were paid by XXXX. then they decided to take the loan out of consolidation and send it to collections. The federal student loan informed me via phone that they are aware of their mistake and that they would fix it as soon as possible. they even sent me a letter that states that i was not in default and that i did not owe them money. This was also needed as i was purchasing a home and would have an FHA loan. they corrected it. Only then to reverse it and put it back to collections again and then they also proceeded to garnish my wages ( to date in the amount of {$4000.00} ) and still reported to the credit bureau that I was in default. XXXX confirmed that they have already paid that debt. the federal student loan also refunded me 2 checks of refund that they have garnished from me ( the first 2 payments ). They keep telling me that they are " sorry for the inconvenience '' but as of today if they don't correct this issue my Home loan company is threatening to reverse the loan as it is a government loan and they do not approve people who are in default on another government loan. I NEED HELP TO FIX THIS ISSUE STAT. this has been months and months of a nightmare. also when i asked for the promissory note for the school that I did not attend they mailed me a copy with my name typed in the signature box.
On XX/XX/2018 I got a loan in the amount of {$900.00} from XXXX XXXX. They advised on the phone before I received the money that don't worry about the amounts displayed on the screen we don't charge like that so I then decided to take the loan. Over the course of the loan they had withdrawn more than {$2300.00} without my authorization from my checking account and the money owed never went down. I advised my bank to refund their money back and to refund me all money taking on false pretense from the merchant Ally Bank advised they were in the process of returning the original amount deposited if I would continue with the dispute I advised that was fine. I call back and Ally refused to refund me my money for the unauthorized charges due to misleading people who would speak to you before you received your money, XXXX XXXX agents lie to consumers advising one thing and putting another on paper in order to continue to call harass and debit a customers checking account. They charge more than 300 percent in interest which is against the law to the consumer regarding a loan. Ally Bank acted like they were going to refund my money did a dispute and no money was received lost over {$2300.00} in unauthorized charged which I called the bank and advised them.
I have repeated notified Experian that they are reporting and or maintaining inaccurate information on my credit report for the following company 's and refuse to correct the information. 
1. XXXX XXXX - opened date of XX/XX/XXXX - account # XXXX. This account is reporting negative information that is more than 7 years from the initial date of delinquency of XX/XX/XXXX ( per the payment history shown on the attached report ) this information should be deleted2. XXXX XXXX XXXX XXXX opened date of XXXX this account is reporting inaccurate negative information. The payment history as listed on the attached credit report shows that in XXXX, the account was suddenly 90 days late with no prior late payment for XX/XX/XXXX or even XX/XX/XXXX. so its impossible to be sudden 90 days late. The information needs to be updated to show never late or the account deleted in its entirety. 
3. XXXX XXXX XXXX XXXX XXXX opened date of XX/XX/XXXX. account # XXXX. This account is showing 3-30day late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have notified Experian multiple times that this is inaccurate and provided canceled checks showing the payments were all made on time but they still refuse to correct or delete the information as required by law ( please see attached cancel checks ). 
4. XXXX XXXX XXXX XXXX - opened date of XX/XX/XXXX account # XXXX. This account as shown on the report attached shows closed and paid as agreed, never late but Experian is listing this as a negative account that was part of a BK. This account was closed and paid off before the bankruptcy was ever filed.. so this account should show as a positive account with no negative information or deleted all together. 
5. XXXX / XXXX XXXX - opened date XX/XX/XXXX account # XXXX with an initial delinquency date before XX/XX/XXXX and 150 days late as of XX/XX/XXXX. This account is should be deleted as its initial late payment is more than 7 years ago. 
6. University XXXX XXXX collection account with initial delinquency report date of XX/XX/XXXX should be deleted as it is 7 years old. 

XXXX XXXX XXXX - opened XX/XX/XXXX this account is 7 years past the initial delinquency date. 

I have repeated tried to contact and work with Experian but they will not investigate nor update the inaccurate information listed above
Wells Fargo processed a transaction on my debit card as a credit card transaction attached to my checking account. I did not have funds in the account, instead of declining the charge, they process the charge, They then charged me a XXXX insufficient fee for paying a charge that should have been declined if funds were not available.
My clients property is underwater m y 1st question  is can he do a short sale if he is still making the payment. We have an offer on the property I am attaching all the documents.
I received a call on Saturday, XX/XX/2018 about a debt I do owe. I set up payment plans with them and told her she could debit my bank account on Friday, XX/XX/2018 and then weekly at {$20.00} a week until the debt was paid off. However, she took funds from my account on Thursday, XX/XX/2018 and caused me to overdraft. I received a {$36.00} fee because of her taking the debt on the wrong date. I have tried calling her several times and I have received no answer.
Received calls at my workplace after telling the mortgage company that I can not receive those at my place of employment. They have subsequently called two more times including today.
I have asked Optimum Outcome to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
My wife and I have been pursuing a short sale on a house we own. The interest-only period adjusted on our property, and we can no longer afford the mortgage. The value of the house has depreciated to the point that it is not worth near what we owe on the house. We started the process in XXXX XXXX. We have a buyer who is willing to pay the full amount our real estate representatives calculated was a fair market price. After having all the paperwork together and all financing prepared by buyer, the mortgage changed hands from XXXX to SLS. After resubmitting everything and being very diligent with the paperwork, the closing date was moved three more times by SLS because they were not ready. This caused my buyer to re-secure financing because her original agreement expired. More inspections and appraisals followed until everything was ready by the buyer and, we assumed, SLS. On Monday, XXXX XXXX, XXXX, SLS informed me that my short sale had been rejected by the PMI provider. My real estate attourneys informed me that I needed to file an appeal. I contacted the PMI provider, XXXX XXXX, and they informed me that they did not reject the short sale, they actually accepted it with an {$8200.00} promissary. I contacted SLS about this and they did not have any record of this on file. After contacting XXXX again, and talking to another representative, they confirmed that they talked to an SLS rep named XXXX XXXX and told her that they accepted the offer with the {$8200.00} promissary. Rather than recording this offer, SLS closed out my short sale file Monday morning. This is not acting in my best interest. I would have been very receptive to this offer rather than having to start the whole short sale process over again. My buyer has been waiting around for over 8 months now, and I am in danger of them just walking away. This would result in me probably losing the house to foreclosure. At this point, we are desperate for help. SLS is not doing what the government says the lenders should to provide foreclosure alternatives to us homeowners. They had a good offer that they refused to notify me about.
Our direct deposit of {$980.00} on XX/XX/2019 has not been deposited into our navy federal account. The bank is saying the funds are there via post on XXXX and their bank website but ourselves and many others are still not seeing our direct deposits and are getting declined. We all our collecting over draft charges and cant pay our bills because of this. They say the money is now there but it is still not regardless on their post that everything is fixed now.
Monterey Collections sent me a bill from 2009 from a company called XXXX XXXX that went out of business and or went bankrupt. Several years ago I turned them in for harassment and illegal collection practices. I sent them a letter many years ago with a do not contact. They have now contacted me per mail to tell me to pay up to a company that does not exist and out of there statue of limitations per CA Penal Code 1748.10. The only way I knew of this matter was when I was cleaning up my credit report. They will list it as new to start the process all over again which is against the Federal Law. Several other companies do this as well. Including the County of XXXX XXXX who refuse to comply with any and all laws on paid off bills and judgements.
There is an entry on my credit report that states that I owe the Department of Veterans Affairs {$3100.00}. This account has been paid in full. I am submitting documentation that will show that not only has the account not been reported correctly for several months, but in fact that I no longer have a balance on this account. The entry from the VA needs to either be updated properly or deleted from my credit report. This account has been disputed several times and each time the Department of Veterans Affairs has verified the information as correct when each time payments had been made that reduced the balance. There had even been documentation submitted which proved the balance was incorrect. 

The attached documents are : Letter from the VA to my congressman verifying that the actual amount I owed at the time was {$1800.00} ; receipts from the VA that show a total amount paid of {$1800.00} and XXXX letters from the VA which show that the account is Paid in Full and that I should not send any additional payments.
I have an ARM with Nationstar. My anniversary date is in XXXX. My XXXX statement ( i.e. for the payment due XXXX XXXX ) shows my current interest rate indicating that 's the rate through XX/XX/XXXX. The XXXX statement came showing the SAME interest rate with a NEW date of XX/XX/XXXX ; at which point I assumed my rate would remain the same for another year and decided not to pursue a refinance. Then for the XXXX statement ( which I received in the mail on XXXX XXXX ) it shows an interest rate .25 % higher through XX/XX/XXXX. So in XXXX consecutive months they gave me conflicting information, and effectually notified me of a rate increase just 17 days before the new rate would be taking effect. I received no other notices by mail, by e-mail or in the message section of my online account.
American Express, inquired on my credit report. I sent a certified letter to American Express at their correspondence address advising I did not recall said inquiries or application to Amex for any of their services. I explained if they found I was in remiss to send all supporting documents to me for review. The time American Express is allowed by law has transpired and the inquire remains. I have tried to call several times however, American Express elected not to have fraud in America, in an effort to protect my self from Id theft I refused to provide my social security number to any agents other than those in the U.S. which is at my sole desertion. American Express has informed me that I am XXXX and elected to disconnect several times. Sadly.
Several months ago I opened an account at the US Bank XXXX XXXX XXXX, AZ on XXXX XXXX. I was told that I would have a maintenance fee free account if I had a direct deposit. I knew that I was getting my SSI check in several months, so opened the account. There is a variety of banks in the area, chose this one for location convenience but would not have opened the account if I had been told that the direct deposit had to be over XXXX dollars. I started getting my SSI checks, asked the bank to correct the charge and then was informed that it was n't going to happen. I feel that the representative lied to me knowing that I would not have opened the account if I knew that there would be a fee and that once the SSI check was direct deposited, it would be too complicated to make changes to another bank.
On XX/XX/XXXX, I sent my first dispute to the 3 major credit reporting agencies, the dispute was in focus with me being a victim of identity theft. The CRA 's have made no attempt to resolve and respond to me although the Congressional act of FCRA 605B states that a victim with legal stated proof shall have the identified accounts removed from the personal credit report.
I 've been disputing a corporate account from my personal profile and XXXX not only did n't resolve it they also refusing to dispute it again although they 've been notified that it 's a corporate account and should not be on my report
This account was paid to the original debtor. Apparently this company purchased the debt and continues to try to collect on it. We have disputed through all three credit agencies and now the company refuses to remove the dispute comments. This was handled by our attorney and was dismissed by the judge. Please see court case information below. The company could not provided validation of the debt in court and it was agreed to be dismissed. 
XXXX - LVNV FUNDING LLC V XXXX XXXX ( E-CASE ) XXXX/XXXX/2013 Dismissed by Parties PLAINTIFF 'S ATTY FILES DISMISSAL WITHOUT PREJUDICE AT PLAINTIFF 'S COSTS. CASE DISMISSED -- -COURT DATE CANCELLED. /NB Filed By : XXXX XXXX XXXX XXXX Behalf Of : LVNV FUNDING LLC
transunion credit bureau has me at a very low score on my credit report ... .i want to know why
Hi, I just checked my XXXX XXXX to see how I am doing and my score had gone down XXXX points. I clicked on it and it said I have a hard inquiry from XX/XX/2018 and all that is there is " CBNA '' and " XXXX XXXX XXXX XXXX '' and that is all the information that I have. I do not know what it stands for nor did I give permission to anyone/ anything to get a copy of my credit report. I also have not applied for anything so I do not know what this is and why it is on my record. Is someone trying to impersonate me because this is very worrying.
On XX/XX/17 XXXX XXXX gave a XXXX American Express Credit Card Deposit to XXXX XXXX for a job located XXXX XXXX XXXX XXXX, MA, Before XXXX XXXX started the job or send me a contract to sign i cancelled the job with a phone call and a email, after i disputed the credit card charge with American Express for the full amount of XXXX dollars XXXX XXXX response with the merchants that the payment was made for on going projects, American Express still refuses to refund me the XXXX even after i sent them a sign receipt that clearly stated XXXX XXXX XXXX XXXX , MA Down Payment '', a signed letter from the homeowner at the address that no work was performed and copy of a charter law in Pennsylvania that state No Home Improvement work is bidding without a signed contract by both parties, i am lost and need help to get this fraudulent credit card charge off my bill