WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, the Money Source incorrectly reported a mortgage account to XXXX. This mortgage was discharged in my bankruptcy, which was filed XX/XX/XXXX. Because the Money Source incorrectly reported the status of the account as Pays as Agreed with a balance of {$240000.00}, my credit score dropped over 40 points overnight. Since I no longer have responsibility for this loan, it should have never reappeared on my credit report. The last time it was reported before XX/XX/XXXX was XX/XX/XXXX, prior to my bankruptcy filing. 

I contacted both XXXX ( filed a dispute online ) and the Money Source ( called them ). I was transferred several times during my call to The Money Source, and finally ended up speaking with a representative ( XXXX XXXX ) in the bankruptcy department. She asked me to email her a copy of the credit report showing the incorrect information. She was not able to tell me what happened, other than she would forward it to the " research department. '' I never got a follow-up confirmation email that the information had been corrected ; however, I got a notification from XXXX that the dispute was resolved.
have asked XXXX to validate, and have not received any response. also asked transunion to verify, there response is it meets requirement but fail to show proof. 
I have asked several times with certified letter to provied me a document that bears my signature that this debt is mine from both XXXX and Transunion and have not received any such documents. as this is my last step to take prior to filing a civil action against both companys. if need be i can provide proof of dispute delivery
Today XX/XX/2018 I saw today in collections was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   also credit cards inquiries from XXXX XXXX, XXXX  XXXX XXXX, I did not make these inquiries take them all off I am a victim of identity theft
This is my last attempt to contact Experian about the information that is being published to my credit report. The following account needs to be removed from credit report.    XXXX   XXXX  account  number  XXXX  is reporting twice not understanding why or what is account really is. I never gave my permission to  XXXX   XXXX  to open any accounts using my information. I kept getting bills to my address in my name your this company I never paid a payment because the accounts were not my account I requested the company to provide me with a contract with my signer or something so I could provide to the police dept. They never sent anything I was advised to fill out a  Fraud packa ge.     I am asking Experian to Validate the information reporting under my publi c Record I   never have a Judgement filed against me. The Companies that is listed under my  Public Record is   XXXX   XXXX   XXXX   XXXX   XXXX  I contacted each  one  of them to see if there was an open case or judgement filed against me on the dates that is listed on my credit report there was no record found Please remove this information from reporting on my credit report. This information is very damaging to my credit and reputation.   I have included a copy on my F TC Affidavit package a nd a copy of my credit report. The inquires needs to be remove from my credit I understand that they are a fractional items I do n't need that type of information to be displayed on my credit report when I did not give the companies permission to view my credit report
Equiafax was compromised and now my credit score has dropped drastically within a day I tried to get help but I have to pay for them to now protect me even though the negligence has already impacted me
GM Financial is a rip-off company. I got a deferment for my car loan through GM Financial and they forced me to pay XXXX and to give them my phone number when there is a cease communication on my account. I do not want GM FInancial calling me period, ever. They do not have permission to contact me of any references via telephone. They only can contact me in writing. They give me all these random stipulations in order for them to grant me a deferement. I spoke to XXXX who said he was the collections manager and he said that the only way that I could get the deferement is if I give him my license plate number. That has never been requested in order to process a deferment. I explained to GM Financial that I had came across hard times and loss a loved one and had to help come up with funeral expenses so I needed to defer my loan. They still forced me to pay XXXX in late fees and XXXX for a deferment fee. I feel that this is EXTREMELY unethical. I spoke to XXXX different reps today and they were so rude, incompetent and unprofessional. XXXX was going to process my payment over the phone but ALSO charge me XXXX extra dollars for a payment processing fee. This is not a good way to treat a valued customer. I would like to opt out of ALL advertising and any further communication from GM Financial. I do not want to be emailed only sent paper letters in writing regarding my account. They are a terrible company to do business with. I do not see how it is legal for them to MAKE UP rules and stipulations surrounding processing a deferment. I feel that it is ruthless ans dirty for them to make me pay fees that I really did not have behave as savages requesting private information from me.
Provident Funding services my mortgage. I made my monthly payment ( electronically ). And then signed up for a monthly withdrawl service. They immediately took a XXXX ( unauthorized ) payment out of my checking acct. They acknowledge the XXXX payments were made - this is not in dispute. They have had XXXX payments for over a week. To get my money back, their procedure is as follows : 1 ) I provide them with " screen shots '' of my bank account showing that the XXXX payments have been taken out. 
2 ) They mail me a check. 
This is all simply ridiculous red tape to ensure they hold on to my money. It is unsafe, unfair and egregious. The first step is wholly unnecessary - they have the money, they can see that payment has posted. It is also unsafe - they want me to send sensitive banking information such as my account # and balance in unsecure ways. And then they want to send me a check ... when they clearly have access to my account electronically. Or I can just wait, which conveniently means they get a free loan from me for a month. I have spoken with several people, including managers, in their customer service area. They are unwilling to take any steps to address the issue due to " their policy ''.
I just closed a mortgage loan in Arizona with Alliance Financial Resources on XXXX XXXX, 2016. Now I received a call the beginning of XXXX from the loan officer 's assistant saying the company made a mistake on the late fees. The fee went from XXXX percent to 5 percent and now Alliance has sent a new note for me to sign with late fees being 5 percent. Is this something Alliance can legally do? Please advise before I respond to Alliance.
I just viewed my credit score on XXXX XXXX and noticed that my credit score that is pulled from transunion has decreased by 11 points again. The only change I see they keep changing my address. Each month I receive notice that my address has changed and a new address is listed. I tried to contact transunion in regards to this and was unable to get through to them. My address is XXXX XXXX XXXX NOT XXXX XXXX XXXX. I am also complaining that they are still reporting XXXX XXXX XXXX XXXX as a negative account on my credit report. I have been disputing this account for over 8 months now. It was finally removed from XXXX  but still appears on transunion and XXXX. This information does not belong on my credit report. It has been verified to remove and or block from others seeing but they still are not blocking it and or deleting it. This wrong information is affecting my credit score in a negative way.
I applied and was approved for a Bank of America XXXX credit card in XXXX XXXX. The terms and conditions I received from BOA with my credit card specified that I had a 0 % introductory APR on purchases made prior to XXXX XXXX. All purchases made after XXXX XXXX would be subject to the standard APR. I searched the remainder of the T & C 's document to be certain the balances remaining would not be subject to the increased APR, and nothing on the terms and conditions indicated that purchases made during the introductory period needed to be paid in full prior to the end of the introductory period. I was very pleased and adjusted my spending accordingly. 

I received XXXX notification advising that my terms and conditions had been adjusted ( in XXXX XXXX ), but that notification did not reference the introductory APR. Each of my bills notified me that the introductory period would expire in XXXX XXXX, but that was no surprise to me. I knew purchases made after the introductory period would be subject to an increased APR. I used my entire limit prior to the expiration of the introductory period, but was quite surprised when I noticed a {$90.00} interest charge in XXXX of XXXX. 

I immediately called Bank of America and was told by the representative that BOA only sent me the short form of their terms and conditions, but the long form ( viewable by BOA employees only ) included language that specified balances carried forward would be subject to an increased APR. Naturally, I was quite frustrated to learn that BOA intentionally misled me by giving me an abbreviated contract that left out critical details like this. He agreed and credited the {$90.00} with the promise that future interest charges would be investigated and adjusted to honor the terms and conditions. 

Now it is XXXX of XXXX, and the majority of the balance remaining on my card is erroneously charged interest. Bank of America never responded to the request from XXXX XXXX, and they refuse to credit my account the interest charged on purchases made from XXXX XXXX - XXXX XXXX. 

The terms and conditions available on their website now ( presumably those that new card holders receive ) read much differently than those provided to me as they indicate the inroductory APR only applies to the first XXXX billing statements. I wish I received those terms. Had that been what was represented to me when I secured the card, I would have managed my spending accordingly.
EXPERIAN removes and then adds collection accounts XXXX XXXX XXXX {$290.00} XXXX XXXX {$270.00} they refuse to answer any correspondence I have sent and I am unable to dispute on the website
I was shopping for an elliptical and a co-worker told me about the offer on XXXX. XXXX was offering 12 months defer interest with payments as low as {$32.00} financing through FORTIVA RETAIL CREDIT LINE. I noticed that XXXX was also offering 12 months defer interest with financing through FORTIVA RETAIL CREDIT LINE. 
I decided to make my purchase through XXXX and applied for the financing. I was approved for a {$3000.00} credit line. I made my purchase on XX/XX/2017. My co-worker made her purchase for a treadmill a week before XXXX, XX/XX/XXXX. On XX/XX/2017 my co-worker noticed she was being charged interest and called Fortiva. They stated she was late making a payment and therefor forfeited the deferred interest option. She stated she never received a bill and just received her treadmill a couple of weeks ago. She hung up and called Fortiva back in hopes to speak with another customer service rep. The second rep told her they do not offer defer interest on credit cards. She went back and forth for some time to no avail. 
I was a little concerned, I was next to her while she made the phone calls, so I went to the FORTIVA website and created my profile and reviewed my account. Even though it was 15 days from the date of purchase, I was due a payment of {$60.00}. On XX/XX/2017 I made the first payment. A week later I received the actual statement. My payment due was {$60.00} and not the {$32.00} as stated on XXXX when I applied. I also noticed that I was being charged interest of 29.99 %. 
I contacted Fortiva Retail Credit and was told by their customer service rep that Fortiva Retail Credit line does not offer any defer interest deals and I applied for a credit card. I explained to the customer service rep that I applied online through the XXXX website and was approved for 12 months defer interest financing for exercise equipment not a credit card. The rep had no idea what I was talking about and stated that he would have someone in management research my account and call me back. No one has contacted me. After a few weeks I went to the FORTIVA RETAIL CREDIT LINE website and clicked on " contact us ''. The only option is to email them through the website itself. I emailed FORTIVA and still have n't received a call back or an email. The issue is still unresolved. Recently I went back on the XXXX website and the XXXX website, both of these website still as of today, Wednesday, XX/XX/2017, offer the same financing deal through FORTIVA RETAIL CREDIT LINE. The very same 12 months defer interest option that FROTIVA claims that they do not offer.
XXXX MUST CONDUCT LOAN REVIEW WITH XXXX AND TO FIND OUT HOW TWO ACCOUNTS WITH THE SAME XXXX XXXX ACCOUNTS NUMBERS ARE ON XXXX CREDIT PROFILES. 

DUPLICATED ACCOUNTS ARE MOST LIKELY THE BUREAUS ERRORS. A AUDIT MUST BE CONDUCTED UNDER THE PRIVACY DECLARATION ATTACHED.
1. We received our first piece of mail from Navient datedXX/XX/2018 stating that our first payment would be due XX/XX/2018 in the amount of {$590.00} 2. We received another piece of mail from Navient dated XX/XX/2018 stating that they are our new loan service provider. Note that both letters say, " Keep an eye out for your first Navient billing statement '' - clearly implying that this was not a billing statement, and that billing had not yet commenced.

3. We received a second piece of mail from Navient dated XX/XX/2018 stating that our first payment would be due XX/XX/2018 in the amount of XXXX 4. We received a letter in our post office box AFTER XX/XX/2018 from Navient, dated XX/XX/2018 stating that we are 135 days past due and that we owe {$3600.00} 5. Tried calling Navient on XX/XX/2018 no one answered, no way to leave a message 6. Sent a summary of the above as a message to Navient on their website on XX/XX/2018 7. Received electronic message from Navient via our account on their website dated XX/XX/2018 addressed to XXXX, stating that if we pay {$68.00} within 10 days, the account will be paid in full 8. Sent check for {$68.00} to Navient via certified mail on XX/XX/2018 9. Payment of {$68.00} processed by Navient and posted to our account on XX/XX/2018 10. Sent a message to Navient on their website on XX/XX/2018 explaining that we paid our account in full per letter of XX/XX/2018 ; requested confirmation and that no negative credit be reported
Allegedly, the servicing of my private student loan with XXXX has been transferred to FirstMark Services. Prior to the transfer, I had been current with XXXX and was promised an interest rate discount for making all payments timely. At the time of transfer to FirstMark ( approximately middle of XXXX 2016 ), I had asked both FirstMark and XXXX for a copy of my promissory note ( s ) for which they seek collection on to ensure that my interest rate discount had continued and so I could review the terms thereof. XXXX said I should call FirstMark. FirstMark said they did not have a copy of the note and they were waiting from XXXX. I have continually asked FirstMark over the last 3 months for a copy of the note and each time they have said they are waiting on it from XXXX. Additionally, FirstMark has said that under the agreement with XXXX that XXXX has additional time to provide the note to FirstMark. I am not a party to the FirstMark/XXXX agreement. I have waited 3 months to simply receive a copy of my promissory note which FirstMark has refused to provide or even give me voluntary updates. I have continued to pay FirstMark on their representation that they actually have the right to collect under my promissory note. However, I am growing increasingly skeptical of whether they have the legal right to collect under my note. At this juncture, in addition to this complaint to the CFPB, I am evaluating all legal remedies under the FDCPA and related state consumer protection laws.
Navient sent a mass email to myself and 95 other account holders which gave my information to 95 people along with giving me their first and last names along with their email addresses. The email was from a Navient rep stating that I qualified for a new program. Like stated, she sent this email to myself and 95 other individuals which exposed my personal information. She then sent another email to us stating that the email was sent in error. I have been in contact with Navient who claims that they are investigating the email but I am not okay with my information out like that to people I do not know.
I have my mortgage with Franklin American Mortgage Company. I have a XXXX that is service connected and not require to paid property taxes in the state of Alabama. I send too the mortgage company what receive from tax office in XXXX, Al. The problem is that they continue to collect property taxes in my escrow. I have spent appt. 10 to 12 hours talking to them and their mangers to no avail. I sended in my information around XXXX Or XXXX of each year. I 've had my mortgage for 22 months and when I call them this last week the lady appear not to have a record of my paper that was mailed in XXXX XXXX. The manager I talk to said that I was making escrow payment for XXXX. My question was why are they collected for XXXX when I have mail them my paperwork fort XXXX and XXXX. He said that they would mail a refund at the first of the year. Why should they be charge me escrow when I could get interest on the money if it was in my saving account. 





I
Numerous times I tried to have Navient do an income based repayment plan since both my husband and I had lost our jobs. Each time they put my loan into forbearance instead. To get caught up they finally let me start a payment plan but it was to pay the full amount of my loan but they only set it up for one loan and failed to tell me causing late payments and fees. They have XXXX on multiple years of loan debt die to the forbearances.
My Complaint is against Experian.
I have paid for, and requested free   XXXX    agency credit reports and Experian has refused to send them to me.
I just requested a credit score through  XXXX , these were the results :   XXXX     XXXX    XXXX   XXXX  Experian  XXXX  ( a difference of  XXXX !!!! ) I attempted to file a claim against them, using their website, and there identification data is so bad, I ca n't pass their identity authentication! ( no problem with the other two agencies! ) It 's a catch 22, if they wo n't send me my credit report, how can I tell them where they are wrong.
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One should expect a certain amount of self monitoring. When the agency checks its results against the other agencies, and sees a large discrepancy in credit number, they have got to make an effort to investigate it and correct it.
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It looks like this may be a revenue generating strategy on their behalf, or if not, complete incompetence. They must have a record of my making attempts to obtain a report multiple times, but do not appear to be interested at checking their records to determine why there might be problems.
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Note, that I am a member of  XXXX , and   XXXX   makes requests to deliver credit information on my behalf. this should demonstrate sufficient authentication to show them that something is desperately wrong with their records and authentication methods.
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By misreporting my credit for over 12 months, they are doing a disservice.
When you penalize an individual and deliberately prevent him/her from making corrections, this is a big problem. Deformation of character.
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I 'd like to recommend that an audit be made of Experian 's operational activities, to identify the extent of their inefficiencies. I have spoken with others in the industry, and they have stated that Experian is known for inaccuracies. This needs to be fixed, or they need to be closed down.
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Ref : Links regards their services : https : //www.consumeraffairs.com/privacy/experian.html Better Business Bureau ( 98 % Negative reviews ) https : //www.bbb.org/sdoc/business-reviews/credit-reporting-agencies/experian-consumer-services-in-costa-mesa-c a-13062929
as of  XXXX  or earlier   XXXX   was reported a {$570.00} balance, this is after I ended my contract with a   XXXX    balance in  XXXX . I have asked numerous times for proof of the contract agreement and the finally bill and receive d nothing..   XXXX  and erc are giving me the run around
I failed to notice for a few months that my American Express card had raised my interest rate on new purchases. Therefore, I have been making payments in excess of my minimum payment requirements in an attempt to pay off this higher interest balance. However, I have discovered that my the entire portion of my payment up to the minimum amount due is only applied to my lower interest rate balance. And that only the amount of my payment over the minimum amount due is applied to the higher rate balance. Is this disportionate application of my payment legal?
I have been trying to make two mortgage payments before the 90 day deadline ( which is tomorrow ) their computer is down or will not accept my payment, they have done this before. I will be calling tomorrow when their offices in Florida are open, what shall I do if they will not take my payments?
ASSET RECOVERY ASSOCIATES, XXXXXXXX XXXX, XXXX XXXX, IL, XXXX, XXXX, CONTACTED ME ABOUT A XXXX XXXX DEBT FROM XX/XX/XXXX. THEY TOLD ME THEY WERE LAWYERS WHO WERE GOING TO SUE ME AND GARNISH MY WAGES IF I DID N'T AGREE TO A SETTLEMENT. XXXX XXXX XXXX XXXX. XXXX ) CONTACTED ME ON MY JOB AFTER I TOLD HIM NOT TO. HE CALLED BACK AND ASKED FOR XXXX XXXX STATING THAT HE NEEDED TO SEND A GARNISHMENT ORDER ON ME. I HUNG UP AND HE CALLED AGAIN. HE CONVINCED ME THAT THE LAWYERS HAD A LEGITIMATE CLAIM AGAINST ME. XXXX XXXX HAD MY SS #, ADDRESS, EMPLOYER INFO, INFORMATION ABOUT RECENT PURCHASES, AND MY CREDIT REPORT. I AGREED TO PAY {$1200.00}. I HAVE MADE XXXX PAYMENTS ; XX/XX/XXXX - {$400.00}, XX/XX/XXXX - {$400.00}, AND XX/XX/XXXX - {$200.00}. MY LAST PAYMENT WAS SCHEDULED FOR XX/XX/XXXX - {$200.00}, BUT I HAVE INSTRUCTED MY BANK NOT TO PAY. I FOUND OUT THAT THEY ARE NOT SUPPOSE TO COLLECT ON THIS DEBT DUE TO THE STATUTE OF LIMITATIONS NOR WERE THEY SUPPOSE TO SET UP REOCCURING BANK DRAFTS WITHOUT WRITTEN CONSENT. I WAS TOLD TO REPORT THEM TO MY ATTORNEY GENERAL ( DONE ) AND YOUR AGENCY. THANKING YOU IN ADVANCE FOR ANY HELP YOU CAN GIVE. HOPEFULLY YOU CANHELP PREVENT THIS FROM HAPPENING TO ANYONE ELSE.
I ca n't make online payments through the Navient Website. I spend most of my time overseas and every so often when a payment is due I ca n't access the website. I have complained about this before.