WillisBack/dataset-financial-user-claim huggingface dataset:
I manage my credit regularly. I went on line to the XXXX agencies to dispute the items and the system they use times you out and you can not log back in to finish.. Equifax is the worst one.There is a XXXX credit card on my report it belongs to XXXX XXXX XXXX , I am not responsible for this credit card or am I a signer on the account, we do have a loan together for the XXXX XXXX XXXX . Also there is a reporting from XXXX on a returned check. That Item was paid in XXXX XXXX by a XXXX XXXX. I had to pay the debt in order to obtain a job in the insurance industry. Also there is reporting of a financial services collection included in a bankruptcy in XXXX, How can it be listed in the negative reporting as of XXXX if it was absorbed in a Chapter XXXX Bankruptcy in XXXX. Also the XXXX XXXX XXXX shows that my account was charged off. I fully paid the auto loan off in XXXX XXXX. I tried to file on line and via phone but find it is extremely difficult to correct my credit with these agencies. There is also a XXXX collection that is not mine. My medical records have been stolen and my Identity compromised. I have full medical and all my bills are paid 100 %. I have done my due diligence in trying to contact these agencies to file a dispute and it is extremely difficult. Now when I call or go on line it states the information I provided does not match their records. I believe I know who I am. Please advise on a solution I have been working very hard to bring my credit in order and correct all the items on my report. I am trying to qualify for a home and this is delaying my approval. Not to mention that my report in impacting my XXXX XXXX and trying to get my XXXX. Also it states my name is XXXX XXXX, I changed my name back to XXXX in XXXX. My reports should state formerly know as XXXX XXXX. I do n't want to be attached to my ex husband XXXX XXXX XXXX, he has a and continues to have terrible credit history. Thank you for you time in reading my complaint. XXXX XXXX XXXX
My social security number was used to open a XXXX XXXX account in XX/XX/XXXX, using a different lat name than mine. XXXX  put the account to collections with XXXX XXXX XXXX ( ERC ). 

After finding the item on my credit report in XX/XX/XXXX, I filed an identity fraud claim with XXXX, including a fraud affidavit, bank statements from XX/XX/XXXX, and my driver 's license. 

XXXX  confirmed in writing that this was identity fraud later in XX/XX/XXXX. 

I contacted ERC and they agreed that the report was in error and said it would be removed from my credit report within 45 days. 

It has been 4 months the item is still on my XXXX  and XXXX XXXX credit reports and substantially affecting my ability to get credit.
When I pulled my credit report on XX/XX/XXXX due to being denied credit The transunion company report states that they VERIFIED IN XX/XX/XXXX my employment on three employers I HAVE BEEN ON XXXX SINCE MY car accident in XX/XX/XXXX.
CCS collection company calls me all day and night i have told them to stop i do not know what debt or they have not provided any kind of document they are just annoying
Selene Finance is the servicer of my loan. Selene refused to properly complete a loan modification review for me prior to completing foreclosure of my property located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. My home was sold for substantially below fair market value and Selene XXXX have refused to rescind the foreclosure to complete my review as is required by the OCC Remedial Framework.
They call constantly, but now they are texting me saying they are 'on their way, ' like a threat. They, Encore Receivables, did not disclose who they were ( I only know from googling their number ). I have spoken with the original creditor, XXXX XXXX now XXXX XXXX, several times, and have been making payments. Also, XXXX told me that Encore 'would not bother ' me as long as I was working with XXXX, and this was not true. The number I received text from was XXXX XXXX XXXX.
Hi, I had a financial situacion on XXXX and I owned {$1700.00} to XXXX XXXX I couldn'n pay because I loose my job. The bank made a charge off on XXXX XXXX. After that CACH , LLC AND XXXX ; opened a judgment case # XXXX and they order a earning withholding. I already pay the amount of {$3500.00} and the last withdrawal was on XXXX XXXX XXXX. Until this date they have n't report to my credit file that I already pay the full amount. This situation is affecting to my credit record because I tried to buy a house and the lender wants the information about the case. Please can you help me with this matter? I already called both companies. CACH LLC told me that XXXX XXXX XXXX needs to send the information to the Credit Bureau. XXXX sent to me to CACH LLC.because they do n't have information about this.
I had applied for a home mortgage at wells Fargo bank and got a appraisal thru them to start the process, half way thru the home mortgage loan it was declined. my next move was to look for a new mortgage broker and lender so i did find XXXX. My new home mortgage loan is about 95 % complete and the only thing holding us back from closing on the property is an appraisal transfer from wells Fargo. my lender, mortgage broker and i have requested to wells Fargo to transfer the appraisal but they have refused this request. My issue is wells Fargo not providing the appraisal transfer to my new lender as requested which i feel very disappointed of this, since i cant close on the house which there 's a possibility i can lose the house. I dont know my legal right for this type of situation but i feel like wells fargo has not meet the needs of the customer and would like to exercise my rights.
I just received the Trans Union Report, I just do n't get why they continue to not do their job? 
I attached my TransUnion credit tracker1- it shows a Delinquent account- I can assure you there no accounts that I have anything past due, All I ask is which one? 

2- Under Open accounts, it shows XXXX , XXXX is a closed paid account long ago. 

I appreciate the availability of Credit reporting information available to the consumer these days, but it 's the disgust when you look at it time and time again and it 's not correct. Life is hard enoughMy personal employment information they find difficult to correct, I have been in the same same address for 11 years, with ownership changes that are common in my industryCurrent EmploymentXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX XXXX mortgage was taken over by XXXX XXXX was taken over by XXXX XXXX
I filed numerous dispute with both XXXX and TransUnion, some apparently go removed, ca n't tell, but what I responding to is no change score for anything. I was just released from XXXX hospital for a debt, and soon should be coming off as well, as the are under the XXXX issues After the divorce the mortgage came off My credit, XXXX, nothing And I was waiting for XXXX. Now all my bankruptcies should be gone, I should be at XXXX, not XXXX, please look into in, please. Contact me at XXXX XXXX XXXX ( XXXX ) -XXXX, thank you so much!
I went in for my fourth lease over the last 9 years or so. I was told I was a tier one leasee and that I didnt need my credit run due to my long history of positive on time payments with Nissan over the last nine years. I have discovered that they ran my credit twice on XX/XX/17 without my authorization - causing my credit report to have two hard inquiries, which cause my report to drop from a perfect XXXX to a XXXX. I need this fixed as Im trying to buy a home and my mortgage is dependent on this.
I discovered that someone opened a Discover card account without my knowledge or consent. When I found out, I sent Discover all sorts of information showing that I was the victim of ID theft, and asking them for what information they had to give them the authority to open the account, but they keep sending me pages and pages of statements that they said they mailed me ( the never did ).
I found this installment account on my credit report. I do not have an installment account with this company.
While checking my small business credit score I noticed that there are two accounts on the report apparently grading my business credit score an F. They also have a business credit score of XXXX as a high risk account. I have no knowledge of these accounts nor is the address of my business correct. The credit bureaus are using my home address but the account is still fraudulent and I would like this information removed. I have not had any business credit until XX/XX/2019 from XXXX in which I could provide proof. The account is a Printing and Publishing account that is over 6 months old and has nothing to do with my business. I would like the credit bureau to provide me with a contract or written proof of some sort that this is my account. Otherwise under the Fair Credit Reporting Act I would like this account removed immediately. I am also sending this complaint to the credit bureau as well. This information is affecting how fast I build my business credit which is now a major focus of my company.
Borrower : XXXX XXXX XXXX Loan # : XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : XXXX Rushmore failed to pay my homeowner 's insurance in XXXX, XXXX. After several attempts to get Rushmore to pay my insurance, all of which seemed to fail, I determined that despite assurances of agents of Rushmore that it would be paid I elected to not go without my insurance any longer and pay it immediately. I was about to leave for 5 weeks ' travel in XXXX and could not allow non-coverage to continue. I financed this payment on a XXXX card and now owe additional interest on the sum because Rushmore has failed to reimburse me. 

I was told that only if I sent a demand for payment to the " Consumer Affairs Dept. '' at Rushmore could I be paid. I submitted the letter by FAX on XXXX XXXX, XXXX, as instructed, and received an acknowledgment letter dated XXXX XXXX, XXXX, stating that a response would be sent in 30 days. I have not received any response. 

I 've called again on XXXX/XXXX/XXXX and was informed that my claim was still being " researched '' and an expected date of completion would be XXXX/XXXX/XXXX. I received no communications and called Rushmore again on XXXX/XXXX/XXXX and was told that I could be sent a check for {$860.00}, not the {$990.00} for reasons that were unclear. I again explained that the amount was {$990.00} and that lesser amount offered was unacceptable. The agent assisting me said she 'd update the documentation and that she 'd call back on XXXX/XXXX/XXXX to update me on my request. No call was received. 

Now, XXXX/XXXX/XXXX, I 've again called and was told today that a " review '' was in progress and I could expect something on XXXX/XXXX/XXXX. The agent confirmed that the money was in our escrow account. 

All of this is unacceptable. Rushmore failed to pay the homeowner 's insurance, causing my insurance company to threaten to terminate my coverage. When Rushmore could not make any firm commitments as to when payment would be made on this matter, I determined to pay it out-of-pocket to maintain my insurance. Rushmore has confirmed to me that my escrow funds are in my account but can never finish any of its " reviews '' and " research '' on this matter. After being put on hold when requesting that to speak to a person with more authority to resolve this matter, no one ever picked up the phone and after a total of 59 minutes, my call was hung up on. 

I explained that I 'm sending a copy of my demand letter to the Consumer Financial Protection Bureau.
I have contacted the XXXX about the debt ( {$75.00} ) in order to pay it off ( attempted 5 times and leaving voicemail ). They never called me back to verify debt or anything. So I take it as this debt is no longer liable by me.
Hi Round-point is refusing to send out a payment from Escow to cover my home owners insurance. I have called and till today they still not have sent my payment. When I asked to speak to a manager or someone that can help, they refuse and place me on a 30-45 min hold. I want to document this event in case something happens to my home.
Good Day, I am going through A horrific time with Westlake Financial Services. I finished my XXXX XXXX XXXX XXXX in XXXX in XXXX. I signed a loan with Westlake Financial from the dealership where I bought my XXXX Ford Thunderbird. I have been getting hassled ever since, Westlake Financial has recently repossessed my vehicle which I have struggled to go back and forth to work in recent days. For the past four years I have received harassing calls from them and although I have many late payments, I have come upon my final payment of {$780.00} finally! after the repossession, they tell me that I have a repo fee of {$350.00} plus {$30.00} for every day it is in reposession plus the final payment of {$780.00}!!! 
I believe I am seriously getting taken advantage of by this business. I have been paying them for four years. They do not take into consideration that I am a United States Armed Forces Member and I will fight to seek some form of litigation. Is there any further help I desperately need it. 

XXXX, XXXX XXXX XXXX XXXX
My complaint is against the credit agencies, XXXX, XXXX and Transunion. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, they failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to the collector themselves " XXXX XXXX XXXX '' Account # XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I 'm obligated to pay them anything. 
1. Identity of the original creditor.

2. A complete payment history.

3. Documentation that any collection fees were added pursuant to the original lending agreement.

4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them.

5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account. 
6. A verification or copy of any judgment, if applicable.

7. Proof that the Statute of Limitations has not expired on this account. 
8. Proof that you are licensed to collect in my state. 

They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b.
Pioneer Recovery has just taken over my student loan without my knowledge after I had filed a complaint with XXXX and is harassing me and my family and my work place looking for me. While I am trying to straighten things out with XXXX I would like them to stop the phones calls.
A company debited my account without permission iao of XXXX. I contacted the bank to advise of the transaction and was asked did I contact the merchant directly. I contacted the merchant, who did not follow-up on the claim. XX/XX/XXXX after no refund from the merchant I filed a claim with the bank. I was advised a few weeks later that it was declined as previous business occurred. I was not happy with that response because it was not authorized therefore I called the bank again, spoke to upper level management and was advised 90 statue of limitations expired. I contact the bank a week later spoke to another manager and was advised 120 day statue of limitations. In the meantime my account was closed and I know have a -XXXX account that has turned into over {$600.00} worth of fees. I run a business and need my account. I have been a longtime customer with Chase Bank.
On XXXX/XXXX/05 we took a Tuition Answer Private Student Loan thru XXXX XXXX which has since been sold / serviced by Navient. We have just discovered that my daughter, the STUDENT, is listed on this loan as a co-signer along with my wife. I have asked Navient to remove my daughter as she should have never been there in the first place because she was the student. My credit has had some damage in the last few years due to caring for ill, dying parents ( which I informed Navient with my release request ) and they have denied releasing her. I have asked for copies of the original paperwork showing my daughter, the student, put on this loan as a co-signer and I have had no response from Navient as of today. I think that a paperwork error was made at the onset. Only recently, when my daughter tried to refinance her own student loans did we discover this problem. The people at Navient do not know what they are doing, and not willing to help. they read from a script and are unwilling to take an extra step. I have been dealing with them for years on deferrments, forbearances, postponements, etc. and have had nothing but misery trying to deal with these people. I just want my daughter 's name removed as a co-signer. My wife will remain as a co-signer.
I have informed Experian that I was never late on XXXX from XXXX to XX/XX/2015. Please move these late reportings from my credit file.
My irs payment was not remove from my public records, When I went to purchase my home it pulled up in public records. Please remove out of public records attach you will find the proof. they remove it off my credit report but not public records
I had a vehicle loan ( for lease ) with XXXX XXXX XXXX together with my brother ( he was co-signer ), and the account was paid on time throughout the lease term. It was opened in XXXX and should be closes in XXXX, but, unfortunately it is still showing open.
I have been making payments to XXXX XXXX XXXX XXXX since they purchased my college loan debt in XX/XX/XXXX. The 6 smaller loans are all owned by XXXX XXXX XXXX. XXXX XXXX XXXX added over {$7000.00} in collection fees to my loan when it went into default. 

Making the only payment I could afford of {$75.00} a month, the balance owed still grew from {$37000.00} on XX/XX/XXXX to {$38000.00} on XX/XX/XXXX. During this time I was not late on a payment or miss a payment. 

XXXX XXXX XXXX approached me by phone on XX/XX/XXXX as well as by mail, requesting additional financial information from me and my family members. Because I was in a current payment plan this confused me and I declined to provide this information. I agreed to a higher payment amount of {$200.00} a month on XX/XX/XXXX. I was assured that this would cover interest and fees, with about {$25.00} going toward the principal balance, bringing my account to a XXXX balance on 108 months. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I made the {$200.00} payments on time. 

Yet my balance went from {$38000.00} to {$38000.00} in those 4 months. 

On XX/XX/XXXX I called XXXX XXXX, XXXX about this discrepancy in the balance and payments. Though the statements always indicate that my payments are received, the balance fluctuates greatly. The XXXX statement balance was {$38000.00}. The XXXX statement balance was {$38000.00}. {$300.00} increase that makes no sense. 

After 50 minutes on the phone with XXXX XXXX XXXX XXXX manager XXXX XXXX, I was told they could not explain the discrepancy, only XXXX XXXX could and they would contact them for an itemized list of payments. I was told that they could not call me back to clarify the reason for the balance increase at all, or email me. I was told the itemized list was all they could request over and over. 

I have also noted that in the one-year period I have made payments to XXXX XXXX XXXX XXXX my collection costs have not been decreasing on the statements. On XX/XX/XXXX the collection costs for all six loans totalled {$7000.00}. In my XX/XX/XXXX statement the collection costs for all six loans total {$7500.00}. All those payments have not been going towards fees at all, though I was told they did. I was also told collection fees were a one-time thing, yet mine have actually increased just under {$500.00} in one year alone. 

This experience has led me to file a complaint, as I have no doubt that XXXX XXXX XXXX XXXX and/or XXXX XXXX XXXX are breaking the law. 

I am asking that the collection fees be entirely removed from my account permanently, and that my balance be corrected to reflect each and every {$200.00} payment, showing a decrease in balance due of roughly {$25.00} a month, as I was assured it would sine the first {$200.00} payment in XX/XX/XXXX. The current balance should be about {$38000.00}. Less collection fees of {$7500.00} it should be {$30000.00} or in that neighborhood. 

I have every intention to pay this student loan debt off. I have made an honest effort to do so. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have been deceptive and dishonest. This is theft. It should never happen. I am likely not alone in this experience.
I opened a credit card with Care Credit and have been having issues since I opened this acct. My payments are supposed to be fixed of {$160.00} a month and every since opening this open they have increased my payments. The doctor office has notified the companycompany about the fixed payments with them having issues also. They have horriblecustomer service and is Extremely Rude. They increased my payments withouteven contacting me and refuse to explain about the increase. Every time I callI get told different stories or hungup on. They refuse to give corp office number oror contact information. This company needs to be closed down.
These medical collections that the collections agencies keep hounding me about that are on my credit report have been illegally obtained. They are in violation of XXXX. They sent me back itemized bills of procedues, medications, etc. Straight from the medical facility. I sent certified letters to the collections agengies for validation of debt and the had nothing signed by me stating that it was ok to obtain all my private and person medical records that were specifically written on a bill..I will also send a XXXX Violation letter to these reporting collection agencies.