WillisBack/dataset-financial-user-claim huggingface dataset:
A debt in the amount of {$3000.00} from National Credit Systems is being reported on my credit report. The debt in question is from an apartment that I leased. I contacted the company [ National Credit Systems ] by mail to ask for validation for this debt and the accuracy of the amount. I received a response back on XX/XX/XXXX. The company replied by sending the transaction history and the initial lease. ( see attached ). The initial lease was dated XX/XX/XXXX to XX/XX/XXXX ( Dates are wrong on the lease also ) I am being billed a termination fee of {$1100.00}. My move out date was XX/XX/XXXX. Before I moved I notified the then Manager of the property ( XXXX XXXX ) of my intention to vacate the property well within the 30 day in advance time frame so as to avoid the termination fee as per their agreement I was on a month to month basis since no lease renewal had been signed after the original lease. I have also spoke with the apartment complex to verify this amount as inaccurate but they have since changed management.I have made several attempts with the new leasing office to obtain verification of the amount and have been unsuccessful as all I am told is they are under new management I have also disputed this with the Credit Bureaus and National Credit System confirmed the debt as accurate.National Credit Systems did not contact me regarding this debt before placing it on my reports.
When I received my credit report from Experian at the end of XX/XX/2018 I noticed accounts that were not mine, reported incorrectly, addresses that were not mine and inquires I never requested. I wrote a letter had it notarized and sent it to Experian via certified mail on XX/XX/2018. On their response dated XX/XX/2018 they claimed that everything had been verified but as I started reading the second page I noticed that they are mixing my credit information with someone called XXXX XXXX XXXX. They even included his wife in my credit response! In the results of their investigations, Experian stated in writing that they verified that these items are being reported correctly. How was this verified? Who verified these accounts? What documentation was provided to them? They have FAILED to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian is breaking the law and have made a mess of my life by having false, unverified information on my credit report which is causing me severe problems in obtaining credit with a lower APR, higher insurance premiums, possibly loosing job opportunities by not being able to obtain a security clearance
I borrowed XXXX dollars from this company and ahve already pais over 600 dollars but the principal remains fixed. They apply less than 2 dollars to the principal each time they charge me a monthly of over 100 to XXXX currently. They have a XXXX dollar monthly membership fee on top of all this as long as you have a balance. Its impossible to pay unless you pay them another almost full 400 from the beginning. I JUST WANY TO GET OUT OF IT. My account has been overdrawn many times because of them charging they fee, so they cost me 10 times more. I am not sure how to stop them if I can not afford the full payoff
Experian continues to send certified Dispute notices to XXXX instead of actually verifying and validating the account like they are asked to do. XXXX does not have an account for me therefore this is inaccurate reporting under FCRA guidelines. This account is closed and was sent to the Ohio Attorney General for further investigation due to incorrect balance. Please remove
I was offered a refi on my Audi Q5 when stopping by my local branch of US Bank. The terms were favorable, so I filed out an application. Everything was approved on XXXX/XXXX/16, XXXX XXXX was paid off, and US Bank assumed my auto loan - a 3 year term at 2.33 % APR. 

I then received a letter from US Bank National Association disclosing the FICO score they 'd used in determining my rate. I was shocked - they listed a score from XXXX of XXXX. I immediately pulled my credit from XXXX, paying for the full report, and sure enough they had it listed as XXXX. That 's a XXXX point discrepancy. Alarmed, and concerned some error might be replicated for other consumers ( and grossly in US Bank 's favor I might add ) I emailed my banker. About a week later I received a letter dated XXXX XXXX from XXXX XXXX, XXXX Consultant, XXXX, US Bank NA. The letter was essentially a form letter that was standoffish, patronizing, and evasive. In it XXXX XXXX states that I should contact " XXXX '' as to the discrepancy, basically alleging US Bank has no control over the scores they " obtain ''. She included no contact information for followup or redress. I called customer service, got her number, and left her a message. Then my Banker emailed me later the next day noting that XXXX had contacted him and that, since she was not in a " customer facing role '', I should direct my inquiries through him. This is bizarre - why would a direct lending specialist who wrote me a letter not be in a " customer facing role ''? Then why write the damned letter? Nonetheless, US Bank maintains the error is with the credit reporting agency - XXXX ( even though they both wrote XXXX ). This seems incredibly unlikely since they use an API to populate the particular field in their lending software. That 's how they compute the rates and eligibility. I doubt very much that my credit could have jumped XXXX points in 5 days. And I doubt very much that XXXX is actually at fault. 

I believe that US Bank is *evading the question*, is *willfully negligent*, and is *abusing credit reporting laws* applicable to govern banks and protect consumers, effectively rent-seeking. It is incumbent on any lender to access and report accurate information. Since XXXX has the correct score I fail to see how US Bank could have been " given '' the wrong score associated with my SSN? US Bank 's incompetent and evasive response is also troubling. It irritates me that a direct lending specialist would write me a redundant form letter ( devised to distance me from resolution ) and then claim not to be in a " customer facing role '' - whatever XXXX that is supposed to mean. I also find the letter she sent patronizing and, frankly, XXXX. It reads like it is written to a 2 year old. It essentially explains what the credit reporting agencies are ( really? ), and then provides a number to contact the wrong one - XXXX. She signed it by hand, but did't bother to include a return address or contact number. 

Personally I do n't like being treated like an XXXX, and I do n't like being patronized by a facile institution which is clearly acting, at best, negligently or, at worst, criminally.
I have filed a complaint before about this company since they have failed to provide proper validation of a said debt. Now after disputing, they have changed the account balance from {$840.00} to {$84000.00}! This is absolutely absurd that a company thinks they can get away with this. A lawyer is next. I will not stand to be treated so unfairly.
I am disputing this debt - although this debt originated from a student loan I applied for and used for XXXX, XX/XX/XXXX. The dispute arose when I pulled out due to ongoing XXXX, harassment, and issues of intellectual property theft, I had endured since XX/XX/XXXX, when I returned to complete my XXXX degree started in XX/XX/XXXX. 
When the debt was referred to the State of Ohio, for XXXX being a state institution, I began the dispute for the above reason - providing a summary to the Attorney General/Department of Taxation. The issue was not resolved, in that the department refused to acknowledge the issue, and attached my state of Ohio tax refund. The debt of {$4800.00} was referred to a collection agency, my first letter received XX/XX/XXXX.
Its been over 15 years come on now, and really dont know anything about this account do not owe them, take me off the credit report its crazy and sick
Bank of America issued a new debit card without consulting me and without my consent while I am abroad. This has effectively rendered me unable to obtain cash in local currency while abroad. In my opinion, such action is criminal as it puts customers at potentially significant risk. If Bank of America suspected my card had been compromised, they should and could have consulted with me first before issuing a new card. There are absolutely no fraudulent transactions on my account. Instead, their haste has put me in quite a bind.
I had an XXXX XXXX mastercard with Barclay 's Bank, but upgraded to an XXXX XXXX mastercard. Barclay 's closed the XXXX XXXX account, but in XXXX I was notified that I would be issued a credit to the XXXX credit card. I assumed that I would be issued a check or the credit would be " rolled '' into my new XXXX XXXX credit card account. After receiving a second billing statement with a credit balance on the XXXX XXXX credit card, I called Barclay 's Bank. The first agent told me the account was closed and she was unable to issue me a check. She told me the credit balance would automatically be " rolled '' into my new account, but could n't explain why it had not already been done " automatically. '' I had to speak to an account specialist, and 25 minutes after my initial call, I was told the credit would be moved over " manually. '' Barclay 's Bank made it difficult for me to receive my refund and blamed the difficulty on computer glitches.
I purchased a primary home at XXXX XXXX of 2013 and financing was provided by Wells Fargo. The appraiser Wells Fargo used miscalculated the property value by inflating the area. I contacted Wells Fargo underwriting person and told her about the discrepancy in the appraisal report. She told me that she can not change it and I ended up with a house that was below the appraised value and could not walk away as the property purchase agreement forced me to buy the property as Wells Fargo was willing to finance it. On my end I am now paying mortgage that is too expensive and can not sell the property as I had to pay a premium due to Wells Fargo 's error.
On XX/XX/XXXXI received two letters from Santander Bank signed by XXXX XXXX, XXXX XXXX XXXX. The one letter was addressed to me only and it stated that they were closing my checking account that I hold jointly with my husband and a savings account that is just in my name. A second letter that was addressed to my XXXX year old son advising him that his savings and checking account were being closed. This letter did not include my name which I am the custodian of both accounts. Both of these letters stated that the accounts were being closed and that I had 30 days to close the accounts or they will close them and send us a check.

The letters did not look professional so I contacted the local Santander Branch in XXXX, PA. Upon their request my husband and I responded to the Bank. We spoke with Relationship Banker XXXX XXXX. XXXX related that he also thought the letter looked to be unprofessional and he was reluctant to call the number. After verifying the number was legitimate XXXX  contacted the number listed. After hanging up XXXX related that the gentleman refused to give him a reason of why the accounts were closed. XXXX   related he would have is branch manager check on it the next day. On XX/XX/XXXX my husband contacted the phone number listed on the letter. My husband was told that Santander was not going to give a reason nor are they required. Just as we have a right to switch banks they can cancel are accounts at any time without giving a reason.

I have a business account in my name and a Home Equity Loan with Santander and neither of them are mentioned.
After countless attempts to rectify the situation incorrect information regarding the payment status and history of a child support  account continues to be incorrectly displayed in my credit files. 

First and foremost let me say mother has closed the accounts on her end and the remaining funds owed are questionable regarding the cash aid that was taken while I had full custody of my child. 

Second, But the payment history is inaccurate because as you can see I have made payments through the only income Ive had at the time since I was and am currently XXXX. 

Attached payment receipts from the state of California to the Department of Child support contradicting their records of payment and that Mounts taking it sometimes have been 10 times what was owed for that month.
Sir A review of my account history was information based on previously biased credit reports that states inaccurately the reason for a delinquency within my account. The bank reporting indicated that my mortgage payment was not paid, after the XXXX of my spouse. The account was enrolled in an automatic capacity at the time of her passing. The bank independently canceled these payment to my montage resulting in delinquencies. I argued that I had not been notified by the bank before taking the above action, which was created on XXXX 2015, and damaged my credit rating.
1. BANK OF AMERICA- They reported negative information to all of the credit bureaus as my payment being late after I had called them and told them I would pay one month minimum and then in a few days pay off the entire debt which was {$14000.00} on one card and {$4800.00} on the other. I did pay off both credit cards in full a few days later. However, they had sent negative information to the credit bureaus regarding this account that I have had for over 21 Years. 

During this process the credit bureaus lowered my credit score by 100 points, then BOA, came back to me claiming that they are taking the card away from me and the credit AFTER I paid both of them off in full myself not through another company etc.. Then when asked to remove the negative information they placed on the credit bureaus information Bank of America ask me to apply for more credit, which would be at a much higher interest rate because the 'terms ' of my old card that I used and paid off several times since 1996 was not available anymore. 

I then received a letter from BOA claiming that their decision was made by information they received from XXXX XXXX, however, when contacting XXXX XXXX they claim that they created and dropped my score due to the negative reporting from BOA and XXXX. 


2. XXXX XXXX Same thing, I called and told them I was going to pay off the entire card in a few days. They then reported negative information to the credit bureaus and after I paid my credit the negative still stays on my report making it harder to get loans in the future etc ... My credit a year ago was XXXX dropped to XXXX and then down to XXXX AFTER Paying all of my debt at 3 banks totally over 40K. 

3. XXXX XXXX I called and they are the ONLY bank that actually reported that I PAID the credit off in a timely fashion to the Credit Bureaus and so nothing negative was reported. 

I feel like the Bureaus and the Banks are working together to make consumers credit worse so that interest rates go up. They both blamed each other and neither would remove the negative mark off of the credit report when asked to do so with proof that my credit debt was at almost XXXX.
I called Lockhart Morris and Montgomery on XXXX XXXX, XXXX. I called about a debt with XXXX XXXX, to setup a payment plan. XXXX said, " I could n't because I could n't pay a down payment. '' Then we ended the call. After I ended the call, I received a email that my credit was ran for a installment loan. I never asked for or authorized the loan to be ran. I called Lockhart and told them I did n't authorize them to run my credit for any loans. She told me that there allowed to run my credit for loans because, I have a contract with swift. I am now seriously concerned that they will use my personal information for XXXX knows what.
I paid an escrow amount of XXXX in XXXX 2015. Since then I have been fighting with Freedom Mortgage every month regarding my payments because they did n't apply my escrow payment, then they started withdrawing higher amounts to cover the additional escrow fundings. Then in called in XXXX stating all these issues, they said oops their fault they will fix everything, they put the blame on XXXX, I said you are the same company with XXXX different names so the blame stays with you. I need my issues fixed, this is my XXXX mortgage, I never had any issues with my XXXX home loan. I received a statement dated XXXX/XXXX/2015 and it says I missed a payment of XXXX ( my payment is XXXX ) I have unapplied funds of XXXX and now they want me to pay XXXX. I called and spoke with XXXX XXXX, she said it was a mistake it 's all fixed now. I explained Freedom Mortgage has been saying this since XXXX and it 's not not fixed, I am filing a compliant. This company needs to be looked into at the highest level, and same with XXXX, because between the both of these companies something is not right, and the consumers are paying for it.
My name is XXXX XXXX XXXX, I recently reviewed my credit report and discovered the following addresses listed. These addresses are inaccurate. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX
I am the victim of identity theft and have been working to fix my credit for years. I had perfect credit until some criminal ruined it. Slowly but surely I have proved accounts do not belong to me and Experian has fought me every step of the way. I have repeatedly disputed a XXXX XXXX account ending in XXXX on my Experian credit report. They have refused to remove it. Furthermore, they refuse to remove an address of XXXX XXXX XXXX XXXX that does n't belong to me as well. They are reporting credit inquiries that do not belong to me and do not meet the permissible use requirement of the law. Today I tried to upload a letter from XXXX XXXX, roof he account does n't belong to me, in PDF format to their servers. Even though the file was the correct format, they refused to accept it. They also refused to accept the below statement that was in PDF format. The files would not upload to the server. 
The following inquiries are fraudulent and unauthorized. They do not meet the law 's requirement for permissible use. 
Account name XXXX XXXX Date of request XXXX/XXXX/2016 Account name XXXX Date of request XXXX/XXXX/2016 Finally, they are reporting a XXXX XXXX XXXX and XXXX XXXX account that do not belong to me. XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX ) refuse to respond to my repeated demands for proof of the debt. Experian is illegally continuing to report accounts that do n't belong to me. Their verification process is lacking. I have proved numerous accounts are being reported that do n't belong to me. Today I am submitting yet another letter for an account they repeatedly " verified '' as belonging to me and what do you know? It does n't belong to me.
I just lost my job and now I have time and wanted to consolidate my bills, call the credit card companies and set up payment plans. I called this number XXXX on XXXX/XXXX/16 at XXXX. A man answered me and asked for an account number which I could not give. He said something about it had to be transferred to customer service, then there was dead air. I said 'hello ', 'hello ' and no one answered, I got nervous so I hung up. I did not bother calling back. I did call CFPB as I wanted to make sure that what I was doing was right. I spoke to a very kind lady who gave me good advise and gave me a number to non-profit financial advisors should I wish to seek advise/guidance. 

At around XXXX, and my aunt sent me a message asking me to give her a call once I got to Pa. 

I called my aunt once I was in Pa and she told me that there was a court summons, the neighbor called my uncle because the neighbor did not want to sign the court summons addressed to me. 

I guess someone signed for it as my Aunt had the copy of the summons. I feel that my privacy was violated. It seemed fishy to me that I gave them a call, someone answered, there was dead air and suddenly someone showed up with a court summons dated XXXX XXXX, 2016.
In XXXX of last year I sent Withdrawal of liens to XXXX, XXXX and Equifax to have liens removed from my credit report. It was an arduous process since XXXX lien was filed in many counties. Now on XXXX XXXX of this year Equifax added the XXXX of liens back on my report. I would not have known this but they convinced my to pay monthly for a gold membership. I do not think ti is right to make me pay for a service and monitor my report. Then have to constantly file disputes with Equifax when they are the ones who adding the incorrect information back on my report. I spoke with the employees at the XXXX XXXX register of deeds and they said that the Withdrawal was clearly stamped in red on these liens and they did not report them to Equifax. They said Equifax sends in employees to look through records, while Equifax blamed it on XXXX XXXX saying they reported them. 

I aslo requested to Equifax to keep all the Withdrawals in my file so they would not add the same lien back on that was filed in some other county that they did not report before. They said they had no way to do this and that I had to wait until it showed up on my report and then dispute it. It seems very unfair to the consumer, I should be able to prevent incorrect information from being reported in the first place. this leaves me on the hook to pay for their monthly service. 

I have filed a dispute and am awaiting their response but I still want this addressed about adding an already deleted item back on my report.
Effective XXXX, my loan was transferred from XXXX to PHH Mortgage Services. As of XX/XX/XXXX, I received a letter on XX/XX/XXXX dated XX/XX/XXXX/19 from PHH that my loan was transferred and how I could pay. Mail should not take 2 weeks so they must have backdated the letter. 
My complaint is that I have received no actual statement from PHH and payment is due in 3 days. 
I attempted to call customer service ( XXXX ) XXXX multiple times and got a busy signal. 
I will send payment in mail tomorrow even though I have no payment stub. I will not do mortgage business online if offered ; and I expect statements to be mailed in time according to laws and common practices, which historically has been at least 10 days prior to due date.
On XX/XX/XXXX Upstart Network Inc made a HARD credit inquiry without my knowledge or authorization. Their website offers consumers an option to see the available loan options without impacting their credit score. See attached photo of their website. 
On XX/XX/XXXX I requested my free credit report from XXXX  and found Upstart Network Inc obtained my credit file on XX/XX/XXXX. This inquiry is shown under " regular Inquiries '' that will remain on my credit profile for 2 yrs. See copy of credit report inquiry attached. 
I called Upstart and spoke with a representative who would only identify himself as " XXXX ''. He assured me that Upstart does not make " hard inquiries '' and instructed me to verify the information with the credit agency as there is nothing he could do to assist me. 
Upstart has clearly violated FCRA by obtaining my credit report. Their online marketing practice is deceptive, unfair and has negatively impacted my credit score and ability to obtain fair credit rates.
I got a mortgage loan through Quicken loans. I started this process on XXXX/XXXX/XXXX. My closing date was on XXXX/XXXX/XXXX. The original closing date was supposed to be on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I learned that the loan was changing from a " second home '' loan to an investment property, resulting in a higher interest rate and loan fees. My original loan officer never shared this with me that there could be some concern about this new home purchase. In discussing this issue with my broker, she indicated that the actions of Quicken Loans were deceptive and perhaps fraudulent.