WillisBack/dataset-financial-user-claim huggingface dataset:
I 've sent over XXXX different dispute letters to Experian, and while all the other Credit Bureaus have removed the items from my credit report, Experian refuses to even respond to my dispute letters ( which means every account I disputed should come off XXXX. On top of that, I 've called some of the accounts that are still reporting to Experian, and they told me that they 've already requested that Experian delete them ... But Experian does n't do it. 
Please be clear, I am not asking for Experian to now start the disputes on these accounts, I 'm requesting they be deleted, immediately. 
Accounts:1 ) XXXX XXXX - Paid before it went to collections - Deleted from XXXX XXXX2 XXXX XXXX XXXX XXXX - Was told by XXXX XXXX that they had already requested the account be deleted from my credit report 4 months ago - Deleted from XXXX and XXXX3 XXXX XXXX XXXX XXXX - Was told by XXXX XXXX that they had already requested the account be deleted from my credit report 4 months ago - Deleted from XXXX and XXXX4 XXXX XXXX XXXX XXXX - Was told by XXXX XXXX that they had already requested the account be deleted from my credit report 4 months ago - Deleted from XXXX and XXXX5 XXXX XXXX XXXX XXXX - Was told by XXXX XXXX that they had already requested the account be deleted from my credit report 4 months ago - Deleted from XXXX and XXXX
I rented from XXXX, a month before the completion of the lease i was unable to pay due to bad wether preventing me from working, ( we were XXXX in ). I paid my eveiction through the court. XXXX charged, e after the monies were paid.. hunter warfield is refusing to make any of the proper reportings so that my credit score reflects my current ability to pay. I paid the eviction in XX/XX/XXXX. hunter warfield reported XX/XX/XXXX after it iwas already satisfied in XX/XX/XXXX. the worst of it all is outragous claims of debt for a n apartment that only clothes on he floor when i left no bugs no food just clothes. they charged me for carpet. builder grade carpet is XXXX installed. the carpet was 4 years old already becuase they told me the previous customer was there for 2 years and the carpert was not new. i was there 2 years leaving one year before tn law would require them to pay for new carpet my portions of the payment for carpet should be less 75 % total cost of carpet. should be around XXXX another issue that needs to be address is the unprofessionalism with which this was handled. I reached out to huner warfield on several occassion being tossed around from person to person. I finally spoke to some one who attitude was very unruly. very disrespectul and without regard for my desire to move on.
I spoke to a lady in the mortgage dept. yesterday. She said they put money in an escrow account. I do not have and never had an escrow account. Furthermore I have not been late for the dates that she claims. You can not get a late fee unless payment is made after XX/XX/XXXX. XXXX/XXXX/XXXX I made XXXX XXXX payment. then XXXX/XXXX/XXXX i made XXXX XXXX payment, XXXX/XXXX/XXXX I made XXXX XXXX XXXX payment, then XXXX/XXXX/XXXX I made XXXX XXXX payment, then XXXX/XXXX/XXXX I made Mat XXXX payment, then XXXX/XXXX/XXXX i made XXXX XXXX payment and XXXX/XXXX/XXXX I made XXXX XXXX payment. I was only late XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX which I made during that time & paid additional late fees XXXX/XXXX/XXXX. So I may have over paid you. Now they may owe me. I am paid up & owe them nothing. I have been calling them, messaging then & going to the branch for XXXX months about the same thing. I paid them all that I owe & may have paid more they still claim I owe. Every time I speak to someone they hang up, someone suppose to call back or they are going to research the matter. Nothing ever happens. What they are doing is unethical or someone is very incompetent & do not know how to apply the payments I made correctly. I need your help this is a serious matter. I am XXXX & can not keep going through this. If I am not mistaken I asked for your help also no reply. This is unacceptable.
Mariner Finance continues to report that I have a delinquent/past due balance with them. I am no longer legally required to pay Mariner Finance anything nor do I have a past due balance. I have disputed this on seven occasions with the credit bureau and have contacted Mariner Finance directly. I have yet to receive a response from Mariner Finance.
They continue to call me, XXXX XXXX, ( a XXXX person ), looking for other people who may or may not be related to me. I've asked that my phone number be removed on various occasions.
West lake continues to report the incorrect amount to XXXX they have my loan amount listed {$1700.00} more than what I owe and more than what is showing on my statement, they keep reporting this inaccurate amount of {$15000.00}. The accurate amount that should be reporting to XXXX is {$14000.00} which is the amount that is on the statement from XX/XX/2018! Westlake is violating the FCRA federal law they keep updating my XXXX report with this inaccurate balance which keeps hurting my credit score. I will contact a lawyer if westlake does not update the account with XXXX to the correct amount!
My wife and I have completed a FHA home modification. It has taken nearly XXXX years and XXXX lenders to get everything completed, but it is finally complete. However, The initial lender that we began the process with, Bank of America, promised to remove the derogatory remarks from our credit reports for the length of the modification period. However, this still has not happened. I have disputed the information on our credit reports XXXX times now and gone directly to Bank of America. They sent me to my current lender, XXXX XXXX XXXX XXXX, who sent me back to Bank of America. This process has been a nightmare and the runaround I have received from Bank of America already caused my modification to stretch out from XXXX months to XXXX years. I managed to save my home. Now I just want our credit fixed.
I have several complaints with the reporting practices of Trans Union. First, regarding XXXX XXXX # XXXX, I have notified all of the bureau 's that the creditor has agreed to delete this account. Trans union has not taken note and has not statused this account since XXXX. This account has also been deleted from the other reporting agencies. As of XXXX/XXXX/XXXX I have issued a FINAL DEMAND for this to be removed. This has already been deleted from my other credit reports. XXXX Consumer Financial Protection Bureau case XXXX. Second, regarding XXXX # XXXX, I was notified by my credit union that this creditor was authorized by Trans Union to be placed on my credit report as of XXXX/XXXX/XXXX. This account is remarked as " & gt ; CHAPTER XXXX BANKRUPTCY & lt ; ; CLOSED BY CREDIT GRANTOR ; CLOSED ''. This is in fact true, and should not be reporting because my Chapter XXXX bankruptcy was discharged in XXXX XXXX. All reference was removed from my credit report in XXXX XXXX. Now I am being plagued by this and it is reporting negatively. Third, regarding XXXX # XXXX which is remarked as DISPUTE ACCT/CLSED BY CONSUMR ; & gt ; PAID IN FULL/WAS A CHARGE OFF & lt ;. In XXXX XXXX I purchased a home and transferred my cable/internet/phone package from my apartment to the new house. I began to receive billing discrepancies from XXXX and after sending them a copy of my bank statement to verify that I truly paid the statement they sent to my home an investigation was conducted where they reported to me that tenant at my previous resident set up service and this installation was applied to my name ; my payment was being mis-applied to the previous addresses account. In order to remedy the issue XXXX adjusted my account correctly and stated that the I would need a totally different account number. Prior to this occurring I was never in bad standing and through the process was never reported as late/delinquent. Please observe page XXXX of bill date XXXX/XXXX/XXXX where it shows my current address, then skip to page XXXX of bill date XXXX/XXXX/XXXX that was sent 18 days later with my previous address, last turn to page XXXX of XXXX of that same bill and view adjustments where it explicitly reads " Transfer from Account XXXX to Account XXXX. Therefor this account is not a CHARGE OFF. I have contacted Trans Union as recent as XXXX and they have not considered my explanation nor offered to review my supporting documents. All of these methods of reporting are weighing on my score as my Trans Union score is approximately XXXX lower than the other agencies.
I have Westlake Financial reporting on my credit report incorrectly. The amount due and the date opened is incorrect. They must have the account mixed up with someone else. I have requested the original documentation from them and they will not provide it to me. They have stopped returning my calls when I ask for a supervisor or they will hang up on me. I tried to tell XXXX this so they can assist me, but they wont request the original documents either. They just respond saying account updated. Please advise how to get this account information either removed or updated correctly.
I received a notice LVNF Funding LLC was  garnishing my wages on XX/XX/2018 I sent a letter requesting to know what the garnishment was in regards to and what specifically it was they are claiming I owe for. 

I looked up what to do online to find a template for a letter requesting that information without including anymore personal information. 

On XX/XX/2018 I received a response only restating their original information. 

I have not heard from them since. 

I have no idea what the claim is a result of i.e. merchandise, services or other. 

I hope this is the correct place to submit my complaint.
My father got an XXXX loan in his name XX/XX/XXXX after being approved to build a XX/XX/XXXX. The original bank XXXX was taken over & all assets were purchased by XXXX XXXX XX/XX/XXXX. My father passed away on XXXX/XXXX/XXXX. Roughly 2 weeks after he passed XXXX started harassing us about the loan not having an Owner or signer. XXXX demanded my fathers " will '' that left the rink to my mother be probated, so she transferred the rink to me since I was the other partner in the business. XX/XX/XXXX we were having problems making the payments, so XXXX gave the business 3 months of interest only payments. In XX/XX/XXXX, my family & I decided to turn in the keys. XXXX XXXX ASKED us to run the business until they could sell it. First they were going to Auction it off XX/XX/XXXX, then they cancelled the Auction & they were going to take keys XX/XX/XXXX. This went on until XX/XX/XXXX when we decided that something fishy was going on & we sought out legal council & filed for Bankruptcy. During the Bankruptcy proceedings we found that several of the XXXX Executives sold the {>= $1,000,000} loan to themselves for {$750000.00} under another bank name " BankUnited NA ''. We went through the court system and the day we were going to finalize the agreement, BankUnited brought in an additional lawyer that said he was hired by BankUnited to " Kill '' the business. We had an agreement with BankUnited the day before. My attorney, the attorney we had been working with AND the judge were shocked. We had done everything that we needed to do. After talking to some other XXXX/XXXX/BankUnited victums, they all had the same thing to say. There was no negotiation, just Foreclosure & personal bankruptcy. The group has been buying loans at a reduced cost, foreclosing & selling at a HUGE profit. It seems as though this group is double dipping at the tax payers expense.
I have a business account with SunTrust Bank and I was charged a {$15.00} fee for a credit inquiry. I called SunTrust to inquire about this charge and I was told there was no information on the company doing the credit inquiry. The only thing they could give me was a fax number and told me to fax the company to see who ran the credit inquiry. I do n't think its fair to charge me a {$15.00} fee but you ca n't give me any information. I was told any company I am associated with can run this inquiry at anytime and they will charge me {$15.00} each time. I do n't think that 's fair.
I sent a letter to XXXX XXXX XXXX XXXX explaining that I do not owe them {$610.00}. Te company misrepresented the amount that would be due monthly. The charges are excessive, inflated and I have returned all of their equipment. I contacted XXXX XXXX XXXX XXXX on numerous occassions to complain that my bill was not the same rate month to month. Sometimes, I would get credited after speaking with a representative. I do not owe XXXX XXXX XXXX XXXX any money. I have been a loyal customer to XXXX XXXX XXXX for nearly a decade ( phone service ). I am really upset with how they run business in relation to the cable network. 
I do n't owe them anything.
Discovers Customer Protection Services used the personal data that I submitted per their request and in defense of my initial ID theft claim for the acct. ending in XXXX to open a replacement XXXX account ending in XXXX ; using my valid credentials. Discover transferred the fraudulent acct balance of approximately {$3900.00} to the XXXX " replacement '' account ending in XXXX. The information I submitted in the initial ID Theft claim totally contradicted information that they relied upon to approve the initial fraudulent acct. ending in XXXX. Discover is now attempting to conceal information relevant to the fraudulent account by directing the Credit Reporting Agencies to delete all information relevant to that fraudulent account ending XXXX  and to add the information from their " XXXX '' replacement account ending in XXXX. Discover never acted ethically while investigating the initial ID Theft/fraud claim and acted unscrupulously regarding my request for documents ; they never honored the document request submitted by XXXX Police Detective or myself. To this day, Discover has not produced any records of signed agreements, etc. pertaining to the fraudulent account. I insist that they produce documents. Particularly, given the history of class actions law suites filed against them for allegedly producing fraudulent credit card agreements in order to collect money from their cardholders in court.
XXXX phone says I have a debt from XX/XX/XXXX, I was notified through XXXX XXXX that a company on XX/XX/XXXX that a company called XXXX XXXX bought from XXXX in XX/XX/XXXX. I have never in 6 plus years receive anything from either company of any debt owed. I have called XXXX and XXXX  and no help.
Around XX/XX/XXXX, I discovered on my XXXX monthly earning statement a debt collection in the amount of {$240.00} with the following message below XXXX XXXX XXXX-DEBT DEBT BALANCE {$.00} ORIGINAL DEBT {$240.00} XX/XX/XXXX XX/XX/XXXX UNPAID DEBT BALANCE *TOTAL* : {$.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ET Immediately I contacted Citibank customer service : The representative whom I spoke with informed me that {$240.00} fees was for a {$29.00} fees for a new card issued and sent to me. The additional fees was for late fees. My question to them was : where the notification of this charges sent to and when. Citi declined to discuss with me and referred me to the XXXX card representatives who just confirmed the charges that I was calling to address. 
1- The credit card from Citi for which I am currently registered never showed any balance due and have an available balance of {$4000.00} 2- I am currently XXXX have no access to any hard mail 3- Citi have my correct and current email address on file. Why was it not use as the unit know Im XXXX 4- Citi informed me that a new card was issue and the bill for the new card was sent to the new card for which I was never registered. As a result I would never receive any invoice nor any notifications of any statement regarding a bill. 
5- My unit representative, which is the program manager, never send me any notifications of an invoice of {$29.00} which was not paid, which was being billed to a non-registered card and a physical billing statement being sent to an address where no one would see as I am currently XXXX 6- I have always paid my bill in full. A matter fact Citi has once issue me a refund of {$600.00} for overpaying an invoice. This just to show that I was never aware of this invoice.
Information used to verify identity over the phone is outdated, misleading, and an effort to discourage and deny a copy of my consumer report that I am entitled to. 

Specifically asking trick questions of what neighborhood I lived in 25 years ago and that is no longer on my report. The options were XXXX XXXX instead of XXXX XXXX causing me to fail that question. 

Asking the specific amount of a current loan that was financed within hundreds of dollars apart making it difficult to say with out having a credit report in front of me causing me to fail that one. 

Asking about a county I lived in in 1989 ... 30 years ago Who do I know that lives in a city I have never heard of. 

This outdated, misleading, and trick questioning is unreasonable and causes an undue burden. This is considered to be done willingly and with malice.
I have a loan with WFHM. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WFHM with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX.
I received a prescreened offer in the mail. I did n't want the credit card. It 's for a store I never shop in. Within the materials, there was information to opt out from further offers. I called the number & they asked for my social security number & birthdate. I entered in the information since I have accounts with this bank XXXX Synchrony Bank XXXX. Then they started to ask for my address & name. I hung up. I felt like the number was a phishing scam. The number I dialed was XXXX.
The Collection Agency has no right to contact me. They are not licensees of the State of Maine.
XXXX client, XXXX XXXX is a victim of identity theft. She was notified by XXXX XXXX XXXX of a fraudulent application submitted with her information without her consent that left a fraudulent inquiry on her XXXX, XXXX and XXXX credit reports XX/XX/XXXX. In addition a SYNC/Walmart credit application was submitted XX/XX/XXXX An official dispute of both of these applications was sent to XXXX XXXX XX/XX/2018 however as of this date no update of the investigation has been received. This is a violation of the FCRA and my clients consumer rights.
On XXXX XXXX, 2016 Santander Consumer USA received a cashiers check in the amount of {$21000.00}. Santander claims they did not receive the check. Attached is a certified receipt from the XXXX. Postal Service proving the check was received. Also, attached is a clearance code showing the funds are available. On XXXX XXXX, 2016 a representative from Santander requested I fax in proof the funds were available. The clearance code and bank information was faxed to Santander. ( See Attachment ) The check was written by my brother, XXXX XXXX.
Bank of America charged me a {$35.00} fee on a POS XXXX debit card purchase made with a checkcard. The transaction for {$20.00} was made on XX/XX/XXXX with funds in the account to cover. The next day a check cleared my account and shifted the balance to negative, which I was charged a justified {$35.00} overdraft fee. 

However they then went back on XX/XX/XXXX in retrospective and charged me another {$35.00} afterwards stating that it was in reference to the XXXX charge of {$20.00}. It is illegal to go back and charge an overdraft fee on a debit card transaction, when funds are available at the date and time of purchase. 

I called the bank back and somehow this one time purchase was listed in their systems as recurring, I told them it was not, it was one-time upload and it was incorrectly labeled in their system. I conferenced XXXX rep in to confirm it was not a recurring fee and it was sent over as a 1 time purchase. The bank changed the coding on their end to recurring. They said it was because the merchant put a hold of {$20.00} on the funds on XX/XX/XXXX which then went through on XX/XX/XXXX. Which is ridiculous all debit cards purchases process for a day or two before posting. At the date and time of purchase, if there are funds in the account, the bank can not go back in and retro charge after for a POS debit card purchase. This is exactly what they did 2 days later. 

This is predatory and their were unwilling to help me even after I spoke to 2 representatives.
We have a mortgage with Green Tree for our vacation home in SC. The loan was sold to Green Tree by XXXX XXXX XXXX in XX/XX/XXXX. 

We pay our mortgage through automatic deduction from our checking account every other week for a total of XXXX payments a year of {$940.00} each occurrence. 

Since Green Tree took over our mortgage our written statement has never reflected the correct amounts of what we pay, what we owe, and how the payments are applied. Whenever we call, we are told to " ignore '' our paper statements because we are on a biweekly payment schedule. 

However our written statement on XX/XX/XXXX made us question this practice when we noticed a " past due '' amount. We are on a regular automatic deduction so this was odd. A few days later, we received a letter stating that the past due amount was made in error. 

Since we are used to being able to accurately see our balances, we were beginning to get really uncomfortable about this practice. I ( XXXX ) decided to call again and find out why we are unable to get an accurate statement. I spoke with a woman who said it was because of our schedule of payment. I told her that we have a home mortgage with XXXX for our primary home and it is even on a weekly payment schedule but the monthly statement is easy to understand and is accurate. Her response was, " That is XXXX. '' I reminded her that XXXX XXXX XXXX used to service our loan and that we were already on a biweekly schedule with XXXX XXXX XXXX and that our statements were always accurate. She said, " We are not XXXX XXXX XXXX. '' I then told her that I really need to see a statement that would show what we are paying. She said that she can send me an Amortization Schedule. I told her that it was insufficient as it does not show the dynamic month to month payments, etc. in real time, or reasonably in real time. But I told her to send it to me anyway. We have not received it yet. 

After much discussion about my right to see the correct numbers on my statement, she said, " You are looking at the written statement and that is not accurate but if you go online, it will show you the right amount. '' So I went online while she was on the phone. The data were insufficient. Please see attached. When I asked her why only the principal and interest were shown for the amount due, her response was, " Because you should know what you pay for taxes and insurance. '' I told her that regardless, Green Tree should show that on my statement. 

I asked to speak to her supervisor, XXXX # XXXX, and he said, " I 'll have my tech support guy look into it. '' I told him that he should put himself in my place, a consumer who is paying a lot of money over the span of 30 years on something that she does n't have an accurate monthly statement. His response was, " I pay them automatically and I do n't bother checking my statements. " He said he would get back to me concerning the errors online. He has not. 
At this point in time, we believe we have exhausted all efforts in trying to get Green Tree to give us an honest and accurate monthly statement, be it on paper or online. 

Thank you, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX
I am a victim of identity theft and XXXX personal loan accounts is listed on my XXXX XXXX, Equifax and XXXX credit report that 's fraudulent, unauthorized and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Loan Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, Loan Account Number : XXXX XXXX