WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus.
Company was told by attorney not to contact me or my sister. This was done in writing. They continue to call me sister after they received this notice. They have not contacted my attorney
My name in the credits report is wrong in the trans union report my correct name is XXXX XXXX and in the report say XXXX isnt XXXX its XXXX XXXX XXXX may fix the problem please because this has cause that i cant see my credit scores thanks
I have 2 inquiries dated XX/XX/XXXX, 2017 from XXXX XXXX XXXX. I did not authorize this or sign anything to have my credit pulled.
SOMEONE OPEN UP A  XXXX   XXXX  ACCOUNT USING MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BUT THEY USED THE NAME  XXXX   XXXX  WHICH IS A FEMALE  XXXX , I AM  XXXX   XXXX . I SENT POLICE REPORT TO  XXXX  AND TRANSUNION SHOWING WHERE MY IDENTITY HAD BEEN STOLEN AND THIS WAS FRAUD AS WELL. NEITHER BUREAUS HAVE REMOVED FROM MY CREDIT FILE THIS IS NOT MY DEBT.
I am in the repayment phase of my student loans and have been for the last XXXX years. 
I consolidated my loans with XXXX XXXX and that loan was later transferred to Navient. 
During the consolidation process around 14 years ago my loan interest rate was locked in for 30 years at 3.375 %. I have been paying {$250.00} / month ( via direct debit ) since I consolidated my loan at that time. 
Recently I received a letter from Navient stating that they had to " recalculate my payment '' but that the other terms of my loan ( principle owed, interest rate, and number of payments ) were not being changed. When I called customer service ( on two separate occasions ) and later uploaded an email message online, eventually I was advised that they are now using the original interest rate of 4.625 % to calculate the payment ( but I am " still getting the lower interest rate of 3.375 % '' ; huh? ). Even though they state that this will pay the principle down faster, they still show the same number of payments being paid ( 196 total monthly payments ). ( Anyone with a sense of numbers knows that this makes no sense. ) {$38000.00} - amount currently due 3.375 % interest rate XXXX payments. 
Based on these numbers my monthly payment should be {$250.00}, not the {$270.00} to which they have raised my payment. 
I have spoken to them on the phone twice and emailed them with no better response ; at first I just thought I was speaking to a dullard on the phone but the consistency of their responses makes me think otherwise. I think the company is making a concerted effort to defraud me ( and I would presume others as well ), as clearly the terms have changed on my loan, which is NOT a variable loan. Please help. 
Look at the numbers on their website, which I have uploaded. ( It is broken down into the XXXX loans that were consolidated. The numbers do not add up when you put them into an amortization calculator. If I pay the principle due with the payments they have calculated, it should pay down faster than what they have listed. In their email response to my inquiry they noted that " the minimum monthly payment amount for your loan needed to be modified to ensure that your loan will be paid off by your agreed upon loan term end date. '' If you calculate the numbers you will see that that statement is false.
I am filing this complaint because XXXX, Transunion, XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( A ) of the FCRA -they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
My wife it called to make a payment and inquired about why could not access the account online to make payments was told needed an email address did that still could not access the account online so my wife set up for them to do auto-pay on the account have not heard anything until XX/XX/2018 from a debt collector and on my credit report shows it as being closedand late
Progressive financial has not contacted me in anyway to discuss a collection on my credit report. I have not received any mail or phone calls from this company. I do not have a contract with Progressive financial and they continue to place a negative report on my credit reports.
This claim should have been file under my XXXX insurance and I had have never received no notice of Collection this must be removed from my credit file since the collection company failed to reach me or contacted me
I had service with XXXX. Contacted XXXX before I went on cruise and was assured that I will not be charged extra charges for my phone service. I came back off cruise and receive a phone bill for XXXX for charges XXXX claim came from XXXX cell towers. XXXX XXXX the charges were billed to my sprint account from carnival. No where in my contract about third party billing.
Requested reports by clicking on annualcreditreport.com on Washington State Attorney General 's credit site. Requested report on annualcreditreport.com. Requested XXXX report. Made possible error. Did not select XXXX XXXX XXXX as my bank because as far as I know my bank is XXXX XXXX XXXX without the " XXXX ''. Then informed I could not get my report online and I had request a hard copy to be mailed to me. Called XXXX to get a copy. Only options are automated. Ca n't get operator by pressing " 0 ''. At the end of slogging through the data entry and/or voice entry ( half of which apparently could not be understood ), I pressed the wrong number when asked if I was the blind. When asked if I needed a report for the blind I pressed the key for " No ''. No confirmation from them so I am not sure what I will get from them. Next I went back to the annualcreditreport.com website and went to the " Contact Us '' page. No option for a phone call to a human so I requested the " Comment Form ''. Filled out the form saying I was not blind and want the report for people who can see. When the comment was submitted I got a reply saying " thank you for your comment '' so who knows if any action will be taken. I know I am not the only lousy typist out there. Others could easily be caught up in the unhelpful loop. It seems to me that this whole process was set up in a very unhelpful way. It is almost as if they set it up for requests to fail easily. I have seen much better process flows and options for error correction. Thank you. P.S. This was all online or by telephone so I have no documents.
Capital One Direct Banking claims they never received a deposit of {$170.00} money order by mail which was sent a week again and I did another moneyorder for {$170.00} priority mail, now they are returning my items but they are affecting my credit. The post office advised it was received but the bank now claims they do not have it. I need to be able to pay my bills but according to the the person I speak today advised no deposits since XX/XX/XXXX but I received a direct deposit to the account on XXXX/XXXX/16, I do not believe, I have been a customer for 10 years but they are causing my credit rating with the return items. The money orders have not been cashed yet but that does not mean they did not receive them. I want all return checks fees plus my {$340.00} credited to my account otherwise I file fraud charges against them.
Collection agency ( Midland Funding LLC ) garnished my wages back in 2010 collected the amount that was owed and now claims that i still owe them the same amount. They are using the law office of XXXX, XXXX, XXXX XXXX XXXX XXXX. They sent me a notice of motion I do not know if it is legit or fake.
I have contacted Experian on multiple occasions regarding an inquiry from a company XXXX XXXX XXXX I do n't recognize this inquiry have never gave them permission to pull my credit report. They have failed to investigate in to this matter for me and send me validation of why this inquiry was placed on my credit report. They continue to send me their generic response.
I was interested in doing refinance on my car loan since my credit score has increased this year. My bank uses Experian so I did a temporary freeze lift and I signed up for their membership {$4.00} just so I could get my credit score to ensure it was in the same range as XXXX and XXXX are reporting. Experian showed my credit score as XXXX which is the same range ( and I included a screenshot showing this below dated XX/XX/18! ) Today however I got the standard notice that the bank is required to send and Experian reported to them that my credit score is XXXX  (!!! ) which in turn cause me to get a higher interest rate offer which means I can not refinance. So I paid {$4.00} for nothing basically and got a inquiry to my credit for 15 points so now Experian shows my score as XXXX!! Do I have any recourse for this?
Account # XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX To CFPB : Im experiencing some concerns with Select Portfolio Servicing Inc. ( SPS ). My mother XXXX XXXX owned the property located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. I sent several emails and letter to SPS requesting to make payment arrangements because my mother XXXX XXXX. I was informed by SPS that I was approved to for a short sale and the property would be paid in full. I receive a letter explaining the terms of the short sale. I was required to send a cashier check or wire funds by XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I sent a check of {$1000.00} to pay off the short sale. On XXXX XXXX, XXXX, I called SPS to confirm that the payment was received by SPS. Also, I sent my mothers XXXX XXXX and estate affidavit. I was told by XXXX XXXX, Relationship Manager that the check was received by XXXX XXXX, XXXX. Also, I wanted to know the next steps since the check was received before the deadline. XXXX XXXX informed me that the account was paid in full and SPS would release the lien on the property and she stated congratulations. 

On XXXX XXXX, I called SPS to inquiry about the status with receiving documentation that the lien was released and the property would be in my name. SPS immediately stated that they didnt receive the payment and I lost the property. I sent a copy of the cashier check and I called XXXX XXXX to inquire whether the check was cashed. I was in formed by XXXX XXXX the check was cashed on XXXX XXXX, XXXX. 

My mother own the condo and I tried to settle the debt with SPS, however I feel they have tried to take advantage because they informed me that I no longer own the property. Please feel free to contact me at ( XXXX ) XXXX-XXXX.
On XXXX/XXXX/2016 I was told by my immediate supervisor at my employment that I needed to contact XXXX XXXX where I work he had a message for me. When I did he gave me the call back number. He also told me person on the phone wanted to serve me with paper about a legal situation and he was promptly told he could not come on the property and was told not to call back. Then on XXXX/XXXX/2016 he called again 3 times. He was not put through the first time. The second time the lady in central control put it through and I told him not to call me at work ever again. He called back again and was rude and used a threatening to the lady in central and she hung up on him. Then on XXXX/XXXX/2016 he left a message on my cell phone saying this was the last and final warning before the file proceeded. I then in turn called the XXXX XXXX XXXX Department and the detective placed a call to the number and he answered the phone and said law firm. He would not divulge anything to the detective without a file number and the number the call was placed to. After research this is not a law firm it is a debt collection agency, An attorney from Alabama has sued this company for the very same thing. Then come to find out he has been calling my sister on her cell phone at her employment and he did this also on XXXX/XXXX/2016.
Wells Fargo foreclosed on my home in XXXX and had me evicted My house is XXXX pa on XXXX XXXX XXXXXXXX XXXX. In XXXX I called the XXXX sheriff Department and was told on the phone that there was no recording of a foreclosure or eviction I would like to know if Wells Fargo have any record of the eviction or foreclosure from the XXXX sheriffs department or if they could contact the XXXX courts to get me documentation.
On XX/XX/2018, a charge of {$330.00} was drafted from my account from the XXXX XXXX XXXX XXXX for a student loan. 

I contacted my student loan servicer, Nelnet, and they stated that as of XX/XX/2018, all of my student loans on record are in deferment due to my in-school status. They stated that they show no record of any payment being taken from my account on their end. They said they would keep an eye out for the transaction to appear on their records. 

I contacted my bank and disputed the charge.
I filed a complaint 4-5 yrs ago with FTC re ; Midland Credit Management LLC They had purchased some of my old debt after we had a financial hardship. Midland Credit Management kept doubling and tripling the amounts owed, so I complained. Maybe a year or so after my FTC complaint Midland Credit Management sent me letters for each account and was told they were being removed from my credit reports, and they were. I have not herd from then since, more than 3yrs. Now XX/XX/2017 I start receiving notices from them for XXXX credit cards, ( XXXX & XXXX ) XXXX is a XXXX/paid the other is very high and not a correct amount, I know it is less. I tried making a arrangement with them but it was n't good enough. I explained that I am on XXXX and I do n't earn much from that but I be willing to make small payments each month plus I wanted the amount owed looked into. They were trying to get me to agree to a 'temporary ' payment plan every 90 days, I was like why? My offer amount was n't good enough to put on a Payment Plan I was told. They also wanted my banking info before they could send me a letter confirming the arrangement, which I said NO. This company is just one horror story after another and I will not try working with them again. I have made slow but steady progress in making good on old debt and the agencies I 've dealt with have been very good. But Midland Credit Management is terrible. They twist there words around while you speak to them and at times I had to ask them to repeat themselves because they are hard to understand, plus its not even the United States I 'm connected too ... what 's up with that? Three different people, three different countries I 'm speaking too. My old complaint was how they took a bill for XXXX and turned it into a bill for XXXX in the course of 3 months ... only to be told by a rep, well we just received it and be thankful we can make an offer for at least XXXX ... .seriously? Again I do n't have a problem making good on my debt, even on XXXX I 'm trying, but I will not allow Midland Credit Management to rake me over the coals. I will never give them my banking info, how can thousands of complaints against them be wrong? Thank You
the 3rd party collection agency refused to send me a 30day notice and continue to harrass and call me every other day without ever sending me proof or a letter ever to dispute the bill. I had to look up the company to send out a letter to them and they still continue to harrass and ask me for money saying the account belong to me cause they sent a copy of 2004 statement.
cmre financial has a debt on my credit report. it has been taken care of by insurance. we have sent them several letters to show it was taken care of and they will still not remove it. it was taken care of XXXX/XXXX/2016
On XX/XX/XXXX, I learned that XXXX XXXX American Express had reported that I was 60 days late on a {$9.00} charge I made to that card on XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXXXXXX XXXX credit department ... .and after several calls was told I needed to call back the next day and talk to a Credit Consumer Specialist. On XX/XX/XXXX, after two calls, I finally was able to speak to a Specialist. We went over the charge. We went over the fact that I had signed up for on-line statements and bill pay : And, that I never received any emails for this {$9.00} charge. And, that the only email re a statement due came on XX/XX/XXXX, the day after I had charged {$60.00} plus dollars on that same card at my local XXXX XXXX. I was travelling on the XXXX. Went on to XXXX 's on-line bill website on XX/XX/XXXX to pay my bill. It said I owed $ 77ish dollars. My bank account is right on the website as a link to pay. And, I authorized payment. Nothing was said that I was deliquent or had any late pay issues. I only found that out by my credit monitoring company sending an email stating the same and calling me on XX/XX/XXXX to figure out why this happened. All this was explained to the Credit Consumer Specialist. She didn't care. She couldn't/would n't remove the deliquency notice. And, when she asked if I wanted to dispute the matter ... ... She read me a legal notice that was quite threatening and intimidating ... .and not fully disclosing or accurately disclosing what would happen if I did dispute the matter. The legal notice she read me said that if you dispute the matter, you will be denied a mortgage or a loan by a lender until the dispute is removed or resolved. At no time, did she tell me that a dispute is resolved in 30 days. That I found up by calling XXXX   ... .and filing the dispute directly with them. XXXX XXXX Specialist also failed to disclose that a deliquent account stays on your credit report for 7 years ... unless cleared out by filing a dispute. When I raised the fact that XXXXXXXX XXXX legal disclosure was threatening, the Specialist did everything she could to continue the threat of financial consequences should I file a dispute. XXXXXXXX XXXX needs to revise their legal disclosure and retrain their Specialists so that a consumer is fully informed of how the dispute process works, that it is quickly resolved in 30 days, and if its resolved in the consumer 's favor ... .their credit score will be restored to its former glory ... .rather than threatening no ability to obtain loans or credit cards in the future should you file a dispute.
Luckily I received a message from my Homeowners insurance representative last night ( XXXX ), notifying me that my homeowners insurance had not been paid by my mortgage company and that there was only four days left until my insurance would be cancelled. 
My mortgage ( and accompanying escrow account ) was purchased by Carrington Mortgage in XXXX ( from XXXX ). I looked at my account online and it said there was no record of the homeowners insurance being paid, but THEY HAD UPDATED it to say that it was n't due again until XXXX of XXXX, meaning they had made the changes on my online account to MAKE IT LOOK LIKE they had paid the insurance. I looked up my insurance account and the renewal notice had been sent to Carrington XXXX XXXX XXXX. Which means that they had over three months and did n't pay it. This morning ( XXXX, XXXX ) I called Carrington ( and got more than the usual run around ), and they could not tell me why they had n't paid it, and refused to pay it until they spoke with someone in my insurance agency. They also told me that both that the policy had and had n't been cancelled yet. They refused to tell me that they would actually pay the bill for the insurance. They refused to do anything to help ensure that I would continue to have insurance, aside from call my insurance agent. When I asked for something in writing to demonstrate how they would prevent this from occurring again she refused. So they breached the implied contract of my escrow account and refused to put in writing the service they are obligated to provide. 
I later called my insurance agency ( XXXX, XXXX ). XXXX was very helpful! They had just spoken with someone from Carrington who was not helpful. XXXX told Carrington that my homeowners insurance would be completely cancelled at XXXX Sunday night. Carrington agreed to send a check by overnight XXXX, however refused to agree to send it today. 
Indicating Carrington Mortgage Company purposefully and knowingly refused to pay my homeowners insurance ( that is their responsibility to pay on time ) either on time or in time to prevent me being without homeowners insurance.
I have a mortgage with S.W.E. Homes and they handle my escrow account also. I have recently changed my insurance company. I have contacted S.W.E. Homes over a month back and ask them to use my escrow account and pay the initial down payment on the new policy. They have refused and have not given any reason as to why!!! 
S.W.E. Homes Contact : XXXX XXXX. 
XXXX XXXX. XXXX, XXXX XXXX XXXX, Texas XXXX XXXX Email : XXXXXXXXXXXX
Ive made contact with XXXX, XXXX  and TransUnion and investigations are in place. XXXX refused to submit my dispute a number of times. This is Tarnishing my credit. These companies are using XXXX reporting, no one is physically doing their job.
Equifax is reporting judgement that I have been disputing for several months and still on my reports I do n't get any response from Equifax I need help judgement not mine and I do n't know how anyone can report something on my reports
On XX/XX/XXXX ( approximate ) I called Ally to request a change of date for my car payment. This was granted, they requested I pay an initial {$38.00} asap. ( letter dated XX/XX/XXXX ) Pmt posted before XX/XX/XXXX. Second letter instructed : Account Details Upon Finalizing the Extension-Including the scheduled payment originally due XX/XX/XXXX and all scheduled payments originally due on a monthly basis thereafter, all remaining scheduledpayments have been extended by '10 days. As a result, a scheduled payment of {$380.00} will be due XX/XX/XXXX and the remaining scheduled payments of {$380.00} each will be due on a monthly basis beginning XX/XX/XXXX. XXXX scheduled payments will be extended. The amount extended is equal to $ XXXXXXXXTo finalize vour extension. vou must pay the MINIMUM AMOUNT REQUIRED TO FINALIZE YOUR EXTENSION. As stated above this was completed. I have XXXX letters with these instructions, which I followed precisely. 

XX/XX/XXXX paid {$38.00} per letter dated XX/XX/XXXX must pay min payment to finalize your extension. New due date XX/XX/XXXX with amount due {$340.00} ( paid {$38.00} on XXXX ) and {$340.00} on XXXX paid 9 days late ( from XXXX ) = {$380.00} FOR XX/XX/XXXX PAYMENT = CURRENT and UP TO DATE. 

Per Ally Website payment historyXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtAll payment are accounted for according to Thier website. 
I called several times to dispute error. They refused to correct. I disputed with Experian they refused to correct after XXXX disputes. 

please help to correct this error it is effecting my credit and ability to refinance.
On XX/XX/2017 there was a hard inquiry made by XXXX XXXX  without permission
I was put on file for XXXX services that I had not received and owe more than a XXXX for services I had not received or requested.
Ally has reported 8 late payments on my credit report that are incorrect. I paid onetime every month using their online payment system. I have disputed the information accuracy with experian and it has came back verified.I was not given the name or physical documents showing how any information was verified. I need the 8 late payment entry that are reporting incorrectly removed.