WillisBack/dataset-financial-user-claim huggingface dataset:
Experian has a XXXX XXXX XXXX XXXX   showing with issues and the loan was done in fraud by XXXX XXXX XXXX XXXX There are documents forged and not a legal binding contract nor is the instrument by XXXX XXXX XXXX XXXX   legally binding. 
I need by Experian legally proof and the documents proven legally sign by the party as it states personally appeared before. Need proof of Signature as Authentic by me. 
I have attach copy of the document and its what's make/makes the instrument legally binding for the debt. 
If Experian cant prove the document is my Authentic signature I will pursue to add them in my lawsuit as errors or information as showing false/Forged by what ever parties.
I have filed a dispute with the XXXX major credit bureaus regarding bankruptcy information listed on all XXXX credit reports. The bureaus do not include where the information is provided from. I have confirmed with the Texas Federal Court that this information is not supplied by them and thus can not be confirmed or verified with them. Information has not been provided by each bureau indicating where the information is derived from. I feel that this is not fair being that I can not directly dispute or verify the information being reported on my XXXX credit bureaus of XXXX, XXXX and Equifax
the Experian credit reporting company continues to report late payment on my student loan accounts with navient, I have explained to them that the account was not in late payment status and that it is in forbearance status for the dates that are reporting as late. the company has sent this proof in written form and it is attached showing that those showing up as late were in fact covered by forbearance status. please update the record to reflect that this account is not in late payment status and that the account was never late IMMEDIATELY as this inaccurate reporting is damaging my name.
I initiated an Electronic Funds Transfer via Google Pay Send / Google Payments Corporation ( GPC ) on XX/XX/XXXX, in the amount of {$8500.00}, which was debited from my XXXX  XXXX XXXX Checking Account ( XXXX ) on same date. 
To date ( XX/XX/XXXX ) GPC has failed to deliver said transfer to recipient, failed to provisionally credit my account, and failed to refund or return funds to me. 
Additionally, upon my verbal and written notification of error on XX/XX/XXXX ; GPC failed to conduct a timely, thorough investigation ; failed to correct error within 1 business day ; and failed to issue provisional credit for the amount in error, pending completion of investigation.
I sent a certified debt collection letter to Portfolio Recovery on X/XX/2017. Information was sent, but all they really sent was a copy of some bills from two companies. I sent copies of this information to the credit bureau and asked them to dispute and it came back verified without stating how the information was verified or what additional documentation was received. I have enclosed the copy of the Certified Mail receipt, debt validation letter, the letter and statements that they sent, as well as a copy of the information that I received from XXXX and XXXX. XXXX did not send dispute results and it is still reporting on my report so I can only assume they verified the debt as well.
I WAS AUTHORIZED ON MY ELDERLY GRANDMOTHERS CREDIT CARD, TO HELP AVOID HER BEING RIPPED OFF BY A CONTRACTOR DOING REMODELING, THEY RACKED UP THE CARD AND I WAS HELPING TRYING TO NEGIOTE PAYMENTS, I AM ONLY LISTED AS AUTHORIZED ON ACCT AND I AM NOT RESPONSIBLE FOR THE DEBT AS THERE NOT MY CHARGED, THIS IS LISTED ON MY CREDIT AND I WANT IT REMOVED. I HAVE SENT LETTERS TO THIS AGENCY AND IT STILL HASNT BEEN REMOVED. 


THE HOME DEPOT/CBNA # XXXX XXXX XXXX   XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Authorized Account- An authorized user is not responsible for the debt. 
Account Type : Revolving Account Loan Type : CHARGE ACCOUNT Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX Original ChargeOff : {$9800.00} Pay Status : >Charged Off< Terms : Paid Monthly Date Closed : XX/XX/XXXX >Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX for $ XXXX Credit Limit : Credit limit of {$8000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$8000.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year that this item will be removed : XX/XX/XXXX
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. Some items have come off however there are more that are not mine and has not been removed.I am doing this on my own behalf and really need help to get these items off my credit report.XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX Experian : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX Experian : XXXX XXXX : XXXX, XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX : XXXX Experian : XXXX XXXXXXXX  : XXXX, XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX.
XXXX XXXX. On XX/XX/XXXX, I received a hardship forbearance with XXXX XXXX, good until XX/XX/XXXX. Last fall the company began sending me statements requiring payments. I emailed repeatedly - which they NEVER answer, wrote them many letters - which they NEVER acknowledge, and finally called them XX/XX/XXXX. The representative merely read off a pre-scripted page and refused to address my problem. XX/XX/XXXX I received a statement, showing XXXX balance due. Then I began receiving statements about every 4 days with different amounts owed, one of them over {$2000.00}. I just received another statement yesterday. 
I have no payments due - either principal or interest - until XX/XX/XXXX. 
XXXX refuses to address the issue, nor do they respond to any of my correspondence. I do not want XXXX to seize my XXXX tax return, which my family of XXXX depends upon. 
Can you help me? 
The mistake has been made by XXXX XXXX, and they refuse to correct their mistake.
It seems I have an account with XXXX XXXX XXXX for an auto loan which I was the victim of predatory lending practices. I had just purchased a Truck and had financing with XXXX XXXX XXXX at the same time it seems I was also approved by XXXX XXXX for a second vehicle loan the dealership knew there was no way I could afford two loans at one time yet went ahead with the second one anyway, I did not keep the second vehicle and made arrangements to have it picked up by XXXX XXXX in which they did in XX/XX/XXXX yet they are still reporting it now in XX/XX/XXXX, I can not get into a home with this still on my credit report and as a XXXX Veteran face possible homelessness.
I am XXXX and looking to get my student loan forgiven and I want to repair my credit. NelNet is no help in accommodating my request. I have faxed over the necessary paper work. Everytime I call they always have a wrong address for me from 7 years ago. Thats 7 years of interest thats accumulated. They said they will send a response to the previous address with their decision even though I updated my address in the NelNet website. Help.
I have   XXXX   duplicate Department of Education tradelines on my credit report for the same  XXXX  loans. I have completed a loan rehabilitaion through   XXXX   XXXX   XXXX   and my loan has been sold to   XXXX   XXXX  . Part of the agreement with the loan rehabilitation is that the defaulted and duplicate accounts would be removed when the loans are consolidated and sold to a new servicer. A will attach documentation pertaining to both the removal agreement and the new loan servicer agreement.
I reached out to Transunion and was treated unjustly. 
The customer service reps were rude and I was hung up on several XXXX times after being hold for over 30 mins a call and my issue was never=== resolved. My inquiries were deleted and reinserted back to my credit report and I was never notified or given reason why. According to the XXXX that is unlawful. I am requesting the inquires be permanentlyXXXX deleted. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NXXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX TRANS UNION Inquiry XXXX XXXX, XXXX
In XXXX i lost my job. I continued to pay my chase credit card until XXXX. In XXXX i could no longer pay my card and no longer made payments. In XXXX i recieved a letter from chase saying i was released from my debt. I later recieved a XXXX from chase for XXXX for the debt forgiveness. I paid my taxes on what was now reguarded as income by the IRS. I just recently applied for a home mortgage and my bank application came back with the XXXX debt from chase listed ... .i contacted chase and was told the debt had been cleared and they did n't want any payment but because the debt was not paid in full by me it will remain on my credit report. If the debt was cleared and i recieved a XXXX, effectively changing the debt to income, how can it remain as a debt on my credit report? Chase will not even accept payment and my mortgage application is now in jeapordy..
I was a victim of identity theft and submitted a police report to verify my statement to XXXX and Experian. Neither was willing to understand that I was a victim. Someone abstain an auto loan with XXXX XXXX XXXX and XXXX XXXX XXXX in my name without my knowledge and Ive tried for years to have this removed so Im filing this complaint to hold them accountable for the law.
Due to an unauthorized entity gaining my checking account information I advised White Pine Lending that I neede to revoke my previously granted authorization to present ACH debits to my bank. White Pine accepted my revocation and advised me that I had til XX/XX/XXXX to come up with a new payment method. On or about XX/XX/XXXX White Pine declared my loan in default ( mind you the payment was due on XX/XX/2016 ) and has begun to email me multiple times and also calling me multiple times. Additionally I asked the entity to not contact me at work but they have attempted to contact me at work.
I have an in-school deferment. While I 'm in school, my subsidized loan interest is being paid for by the government. I want to pay for my un-subsidized loan interest so that my loans will not grow larger by the interest being capitalized. This company does not post the dates that the unsubsidized interest will be capitalized and the amount of the unsubsidized interest amount on their website nor do they send me statement that I can pay. Therefore, I believe they are on purpose keeping this information from me so that they can increase my loan amounts.
All 3 Credit bureaus are reporting a wrong address on my credit report. I never lived at this address and this address is not a previous address : XXXX XXXX XXXX XXXX XXXX, Pa XXXX Please delete this address. 

Please add my address that I always lived at all my life at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Please open attachment for my ID, SS, bank statement
Ocwen Mortgage is trying to collect {$1800.00} in Escrow Debts instead of {$1700.00}, and {$100.00} in overcharge.
On  XXXX / XXXX / XXXX , Discover called about a payment. During the conversation, I offered to pay the balance in full if Discover waived interest accrued on the card in calendar year  XXXX .     The first agent was not authorized to make this transaction, so they forwarded me to a second agent. The second agent offered to waive two months of interest. I declined, and requested escalation to an agent authorized to grant my request.     The third agent stated that the second agent " was unfamiliar with your account type '' and the figures the first and second agent gave me were incorrect. He stated that they were not authorized to waive two months of interest. I requested escalation.     The fourth agent said that Discover could not waive more than one month of interest. I reiterated my offer : waive interest accrued in  XXXX  and I would pay the balance in full. The fourth agent again stated that Discover could not grant my request. I stated that I would be filing a complaint with the CFPB because of the inconsistent responses between agents.     The fourth agent, after reviewing my account, agreed to waive the  XXXX  interest accrued on my account if I paid in full " tonight ''. I agreed.     The fourth agent transferred me back to the first agent to arrange for the payment. Discover told me that the payment would be debited from my checking account on  XX/XX/XXXX .     Discover did not debit my checking account on  XX/XX/XXXX , as they said they would do. Neither my  financial institution not my Discover online access has recorded the transaction as promised by Discover. Monies moved to the checking account to pay the Discover account in full are now sitting in a no interest bearing account, waiting for Discover to fulfill their commitment, while the Discover  account continues to accrue interest.
I called Ditech Insurance Company about my account and over due payments on XXXX XXXX 2017, to get my account up to date. I called and spoke with a Rep regarding options I may have. my account has been mis-management by this company on several occasions and this time has taken the cake. I told the Rep that I have approximately {$2000.00} in an account labeled unapplied funds. I told the the Rep that I would like these funds back and I would put it together and make up the difference so that it will be a full payment for the month. She said she would put in a request and that I should the funds mailed to me in 3-4 days but that because of the holiday 's it might take a little longer. She also said she does not know if they would honor sending the money back to me because my account is past due. I told her that that 's my money that Ditech is gaining interest from that money in the account and it not even being applied but every month I 'm assessed a penalty which has been going on for 4 years. I told her that I will take legal action regarding this holding of my money and not returning it to me and illegally gaining interest and not applying it to my account. Plus, I am assessed lates fees. If there 's any company that should be investigated it should be this company for the illegally practices they do.
I have filed 11 disputes over my child support with Experian and they say I am in collections. I got results on XX/XX/XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX all of the disputes filed and they will not fix my credit report. I have sent them proof of payment from XXXX county child support and new York state child support and social security.
This is regarding Case number : XXXX which is still open. At the end of the month of XX/XX/2016 Best Buy CBNA, PO Box XXXX, XXXX, SD XXXX reported I filed Chapter 7 bankruptcy on account numbers XXXX and XXXX. I DID NOT FILE BANKRUPTCY. My credit score dropped 49 points. I spent countless hours on the phone with Best Buy credit department asking them to remove this erroneous information and re-open my account. They finally re-opened near the middle of XXXX, just in time for me to make a payment and my credit score went up 45 points. 
Then on XX/XX/2016 they reported I filed Chapter 7 bankruptcy again! I DID NOT FILE BANKRUPTCY. Again, I spent countless hours on the phone with the credit card department and my credit score went down 45 points. Because this happened again, I filed a dispute with XXXX ; I filed a complaint with the Better Business Bureau ; I filed a complaint with the North Carolina Attorney General ; and I filed this complaint. 
On XX/XX/2016, Best Buy re-opened my account and made payments on both accounts which were due on XX/XX/2016. This was the earliest I could make the payment because I had no access to my account because they closed it again due to a bankruptcy I DID NOT FILE. 
On XX/XX/2016 Best Buy Credit card reported delinquent payments but the accounts are not mine ( see attached ). My credit score dropped 4 points. I have reason to believe that someone with my same first and last name has filed bankruptcy and has not made a payment. I submitted a dispute online to XXXX. Every month I am having to spend hours on the phone with their credit department, file disputes and complaints. I need help! I ca n't refinance my car. I ca n't apply for a mortgage. All because someone within the Best Buy finance department or wherever this information comes from is not accurately checking the right person and account number. This is slowly ruining my credit which I was trying to get back on track. Please help!
On XX/XX/XXXX I opened an account with XXXX. At that time, they were offering a promotion. They guaranteed that we would be happy with our service or we could cancel within 30 days with no money due and no cancellation fee. We were very unhappy with the service and even had a service call which resulted in no improvement in our internet service. On XX/XX/XXXX, I returned all equipment to our local XXXX office and was presented a receipt for the returned equipment and had a XXXX balance. 

Since then I have had 3 separate collection agencies report on my credit report that I owe {$160.00}. Three times now I have disputed these with the credit reporting agencies and had the entries removed. 

Imagine my shock when we applied for a loan in XX/XX/XXXX and found yet ANOTHER new agency reporting that we owe XXXX!!! The new collection agency is called XXXX, XXXX. 

Something needs to be done about companies such as XXXX continuing to report the fraudulent claims. I have consulted with hundreds of individuals in the past 3 months that have had the same or similar issues. 

I want all items from XXXX removed permanently from my record. Even the XXXX representatives themselves have stated that we have no balance due. I am getting nowhere quickly disputing these on my own through the 3 bureaus because they just come back as a different collection agency.
I moved into an apartment complex by the name of XXXX XXXX apartments. At the time they had just becomes the new management company and had a new onsight XXXX. When I moved in there was never a walk-through. The new XXXX charged me for things that were wrong with the apartment before I even moved in. The reason why I moved out is because there was never any hot water and I had XXXX small children. Anytime I needed something fixed they never put in work orders for paper trail. They went through a handful of maintenance and managers that didnt know what was going on. I tried to explain to the XXXX that there was never a walk-through and she was new and didnt try to help. She added incorrect information and billed me for it. Now Im trying to take care of this. There is no way they can produce a walk-through. I feel that they need to go back to their records and remove Or delete it from my credit. Its been affecting me for the last XXXX years negatively and its time the properly acknowledged their incorrect information! Either they provide a walk-through with my signed signature with damages that were or were not done ( which they can not because there was never one in place ) or remove it from my report immediately! 


I dont have paperwork because its been years but I can provide some of the names I do remember. The XXXX that moved me in and knows things were already damaged was XXXX XXXX. I cant remember the in between names but it ended with a XXXX by the name of XXXX! Essentially shes the one that incorrectly charged me!
In XXXX XXXX XXXX cancelled my mortgage policy and XXXX XXXX enrolled me as a customer. The change to XXXX was an increase in the annual premium. XXXX sent an endorsement statement in XXXX, the statement said, Premium Waived. I contact XXXX and their " rep '' assured me that there was no issue for me until the following year. 
Because I do not monitor my mortgage statements monthly, I missed that Ocwen made a premium payment to XXXX in XXXX XXXX. Despite the fact that a negative balance now existed on my escrow account, despite the fact that Ocwen knew that the premium had increased, no changes were made in the amount that was collected for escrow each month. I was convinced, based on my conversation with XXXX, that no increase was expected until renewal in XXXX. 
Surprise, surprise, in XXXX XXXX I received an report from Ocwen that my mortgage would increase by nearly {$250.00}. Of course no one wants to accept the negligence or lack of customer service. 
So, I will admit and have learn to look at every statement that comes to me from this point forward. But, it seems to me that this practice has set into motion the very conditions RESPA was meant to deter. I am not sure if this would be considered a genuine compliant, but I thought someone should be aware that this practice is being enacted by mortgage companies. 
Why did n't the negative escrow balance set certain safe guards in motion. Although I missed it, why did n't Ocwen/XXXX immediately increase the escrow to offset the debit on the account. Ocwen 's justification and answer is, " they only do escrow analysis once a year ''. But that defeats the consumer and company protection established through RESPA, does it not? 
I have already complained to XXXX about their wording. It should have read, Premium amount will not increase, not Premium waived. Even the XXXX " rep '' I spoke with recently, had to research to find the meaning of " Premium waived ''. I wish the " rep '' last year had bothered to do the same. 
I am not working, have not since XXXX XXXX. It will be a faith filled moment to see each month how the bills are paid. Thank XXXX he is always faithful, offers the most magnificence customer service, and loves me.
I had a credit card with Commerce Bank. As my father passed away on XX/XX/2016, I had to travel to XXXX to attend his funeral. I was living in XXXX for 6 months to handle the legal cases regarding the heritage. Commerce Bank was supposed to send me the e-bills through email because I had enrolled into the electronic statement when I was applying for the credit card. But Commerce Bank stopped to notify during my travel. I became aware of the unpaid balance when I got back to my home in United States in XX/XX/2016 because I received an overdue notification from them in the mail. As soon as I paid off all the balance, they closed my account. I have made several attempts to contact them to dispute the credit reporting, they did not respond.
XXXX XXXX is falsely reporting a collection account on Experian. I have asked them several times to remove it or show proof that the debt was mine. They have not done it. all they have sent me was a letter saying " that they could not discuss it because it was not my account ''. I have called XXXX fraud department and spent hours on the phone with them trying to get this resolved to no avail. Please help.
On XX/XX/18 I ordered an item from Kohls in the amount of {$50.00}. Order number:XXXX. I realized when I got the email of order confirmation that the address on file was an old address of about 2 years ago. I then called Kohls to inform them and they advised when I got the tracking number to call them and they would intercept the package and have it delivered to my new address. When she came back to the phone after placing me on hold she told me the package had been intercepted and I would be receiving a follow up email. When I got the email it said I had to contact the person now living in my old house like I am supposed to know who lives there. Long story short, I never received the item and was mislead by Kohls saying the matter has been taken care of which it never was. So now I am responsible for paying for an item I never received.