WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX purchased my account from XXXX on XXXX XXXX 2017 and did n't contact me once and then XXXX XXXX 2017 I received a notification from my credit report that my score had fallen due to a debt collector. I had never heard from them nor received any warnings. 

XXXX XXXX XXXX showed up on my credit report one day without any notification. I called in to see what the problem was and was told that they had not attempted to contact me due to an address error? So instead of looking into this, they notified the credit bureaus with a negative file. 

I attempted to contact them multiple times and without fail the women on the phone told me there was nothing I could do and that even if the amount was disputed, they still would n't contact the credit bureau to notify them of wrongdoing on their part. I 'm aware that there needs to be a notification of at least 30 days before this happens, which I never received a single one. The folks on the phone were incredibly rude and refused to help me with the incorrect negative marks on my credit file. 

I have also read that they practice debt collection in states that they are not licensed in.
Freedom Mortgage will not remove our PMI even though our LTV is below the 78 % required amount. We call and call, we get hung up on when supposedly being transferred. We do n't know where to turn.
Hello I paid resumes by XXXX and XXXX XXXX ( Company XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, Texas XXXX XXXX County ( XXXX ) XXXX ) owner XXXX XXXX. Who claims she does Credit Restoration {$250.00}. But come to find out she do n't do credit restoration. She is just sending off a bunch of dispute letters only. Through a program she has brought online. She does n't take the time to research the facts before disputing. So, she disputed to account that was not right to dispute. In which I will upload into the system with my credit report and complaint to the Texas Attorney General 's Office on XXXX XXXX. I need both of these disputes removed off my credit report please. XXXX of the disputes has a company name, address, zip code, and phone number. The other company has only a P.O. Box address. I would like Experian, XXXX, and XXXX to remove the disputes off my credit report. Because XXXX XXXX did n't and should n't have sent dispute letters to these companies because I had already resolved these XXXX bills and as you can see from my credit report. Then the Credit Reporting Agencies needs to correct the information to Paid as Agreed on my credit report. Both accounts has a XXXX balance on them because I paid them off.
Hello : On XX/X/2017, I disputed INCORRECT ( address ) information on my INNOVIS credit report. I specifically, I provided tangible and legal documents with detailed information and proof ( both personal information & information as PROVIDED and REPORTED by the creditor ). I specifically, addressed/highlighted the incorrect information which had to be correct. My residence is a single family HOME and they report an apartment, which is completely inaccurate and non existent. On XXXX/XXXX/XXXX, I received information that the dispute was completed ; however, the address is still appears incorrect. I am aware under Federal guidelines that ( 1 ) either the information is corrected and/or ( 2 ) info be deleted in unverifiable. I am seeking source information, as still the info is not valid, accurate, or even verifiable ... because it does n't exist. Clearly, their is a disconnect with the Innovis as the repository was not only provided the correct, legal proof, regarding my inquiry ; but, also was provided the exact proof as indicated, provided and reported by/from the creditor. Your assistance is greatly appreciated to rectify the issue ASAP, as it is incorrect and further damaging.
I tried to use my chase credit card to purchase XXXX tkts in XXXX from XXXX tkts and my cc was denied. In fact most chase cc holders were denied due to a glitch in chase bank system. Chase is aware of it and are not willing to help their customers for their mistake. I will not bank at chase due to their lack of responsibility to fix their mistake. I do n't think a dishonest bank should be allowed to get away with this.
Wells Fargo illegally evicted me and foreclosed upon my property in XX/XX/XXXX. Wells Fargo admitted to the SEC that because of " calculation errors '' homes were foreclosed upon from XXXX on customers to were qualified for modifications but had been turned down by Wells Fargo.
I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( transunion and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through XXXX and much to my dismay one of my scores ( transunion ) was no where near what XXXX had reported, the second score ( XXXX ) was nearly the same and the third score was super low. All XXXX reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. XXXX ( transunion, XXXX, and XXXX ) had XXXX different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score two times each. Once for being in bankruptcy and another for being late thus killing my credit score.
I was served with paperwork in XX/XX/XXXX that I was being sued by XXXX XXXX XXXX for the amount of {$1300.00} for an old credit card account with XXXX XXXX. I was told I had to contact XXXX XXXX to prevent legal action from being taken. I immediately called and set up payments to them, with post dated checks. I made a payment in the amount of {$320.00} to be debited from my account on XX/XX/XXXX, and then {$150.00} on XX/XX/XXXX, XX/XX/XXXX,  and then set up for a {$150.00} every month until XX/XX/XXXX, and then in XX/XX/XXXX {$100.00} to be debited and the debt paid in full. I received another notice in the mail on XX/XX/XXXX that a default judgement was entered against me in the amount of {$850.00} when the total I owe is only {$700.00} after these 3 payments have been made! I tried to contact them multiple times to find out why they are continually suing me after I set up a payment agreement with post dated checks, because the second judgement was for an amount less than what I owed in XX/XX/XXXX. I left multiple voicemails asking them to return my calls to discuss why they are continually suing me even though I have set up payments and they will not return my calls.
Got a Discover Personal Loan XXXX, 2016. Said the rate was between 7.5 % - 19.99 %. They were never actually going to give me a decent rate, even though my FICO was XXXX. Told me the only way to get a better rate was to have my account debited automatically. Got a 16.99 % rate. Told me there were no processing fees, but examining the loan, I realized there were fees. They added up to over {$700.00} over the life of the loan. So they reduced my rate to 16.96 %. I paid an extra {$1000.00} in XXXX and again in XXXX. Even though I have made these extra payments, they continue to state that my loan will only be shortened by a few months. They say that the loan is a simple interest loan, but when I do my loan online - XXXX, etc. more of my money goes to principle than it does with Discover. I just got my XXXX bill, for XXXX, and I am being charged {$10.00} more in interest, than I was on My XXXX bill which was for XXXX. XXXX and XXXX have the same number of days in the month. I also pay {$27.00} more than what 's due each month. I am very suspicious of this company 's loan manipulations. I know they just been in trouble over their student loans.
My direct loan is in default. Allied Interstate has my loan in collections and I have been making payments for 15 months. All of my payments have been applied to interest, fees & charges while no percentage of my payments have been applied to the principal. Allied is telling me that I can not rehabilitate my loan or ever get it out of default without settling in full. 

1. The guarantor still has my loan. I have repeatedly contacted my servicer and I tried to work out a rehabilitation, but they wo n't work w/ me. Allied Interstate is not operating with my best interest in mind. Why am I not getting other options? 
My loan is federally backed. Allied Interstate could cash this loan out at 100 % with the XXXX and get fully compensated. I could become eligible for an income based program if they did this. 
They could offer me rehabilitation. 

2. In XXXX, I should have been directed to sign a master promissory note of some sort, but where is the form with my signature? I have no record of consolidation. I was not properly informed and I do not remember signing a document for the consolidation that occurred in XXXX. 

3. On XXXX XXXX, I went into default. However, from XXXX XXXX, XXXX ( after rehabilitation ) through XXXX XXXX, I was not provided a new payment value so I had no way of knowing that I had a payment due. I should have been told I owed payment. 

4. In XXXX of XXXX, XXXX held hearings on the mismanagement of student loans. I understand this is a current hot political issue because it has big consequences in the lives of constituents. My creditor is not acting in the interest of me, the customer. XXXX is only applying my payments to interest and fees while my loan remains indefinitely in default. As a result, I can not go back to school, I can not buy a house, and I can not get a loan for a wedding ring while my loan is in default. My life has been crippled. 

.
This complaint is in regards to the reinserted information on my credit report, after the information was previously deleted for years by Transunion credit reporting agency. This type of practices have had a negative effect on my credit score and holds down my abilities to make purchases. I 've contacted them about these practices several times to have the same thing done over and over again.
XXXX XXXX Inquiry from XXXX XXXX, 2015 that I did not authorize. When I stopped by XXXX Texas store I was told very clearly that no credit report would be pulled and that my information was being used solely for billing purposes. Have unsuccessfully disputed this illegal inquiry with CRA 's and XXXX.
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX  XXXX  -- -> XXXX  XXXX XXXX  XXXX XX/XX/2015 {$130.00}
I have disputed some inquiries on my credit report from companies that I have no knowledge of. I completed a dispute with Equifax and a also requested verification and proof of these inquiries but received no verification nor proof but a letter stating the records are factual. How can that be? I only took them 2 days to verify they are factual but when I contacted the same companies they have no records of me nor did they find me in their computer system. So how did Equifax verify these inquiries. I called them XXXX/XXXX/16 and was told they do n't really investigate inquiries. I am totally confused if you do n't investigate how are they factual inquiries? And to add the same inquiries were added to my XXXX XXXX and XXXX reports I did the same investigation and the same inquiries were investigated and removed. I do n't get it.
Called IQ Data to inform them about court cases regarding debt. Was transferred to an agent who continued to interrupt me, would not transfer me to a supervisor, threatened to put me in a " time out '' -- literally said time out. I attempted to give them the case information and he continuously stated that I had called multiple times with the same story. I have called this company all of twice. They contacted me previously and refused to state their identity or the debt holder.

Currently, there are two pending legal actions regarding this alleged debt. I will be in court on XX/XX/XXXX. The originator of the alleged debt has been served by certified mail ( twice ). XXXX at XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX are quite aware of the legal actions. The collection agency XXXX aka IQ Data is  also aware. 

I attempted to give them my lawyer 's information and he continuously interrupted me. At that time I muttered " XXXX this '' and hung up. This behavior is harassment and illegal.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system.
I received a robo call from Capital One saying that my account was overdue because I missed a payment on my credit card. I had not used my credit card for over a year so I was confused. When I signed on to the online banking I had received a late fee and found that I had a new annual fee placed on my card that were not part of the original terms. I went through all of my communications and found that I was never notified that I was going to be charged an annual fee. There were also no documents in the online banking showing that an annual fee was going to be charged. I called Capital One and they could not confirm that I had received any communication regarding the change of terms and the new annual fee that I was being charged that also led to a late fee because I had no idea I was being charged the annual fee.
A business called XXXX XXXX XXXX XXXX sent me to a collection Agency named XXXX XXXX XXXX Director XXXX XXXX.They dont pay attention at my letters.The bought items were a fraud a fake.Send them back to company.Look different than the pics.I returned them after 30 Days asking for a refund.Nothing was done! Nothing.Now they are killing my credit reports.We are in Chapter XXXX paying all our bills on time.This is negligency on the collection Agency .This must be fiscalizar and STOP. Is a fraud.Please help me stop their reporting to the credit Agencies.This is wrongdoing.Due to the lack of sales we filed chapter XXXX and we r working 24/7 to get off our debts and start our business.Please stop fraud.Thank you so much.Sincerely, XXXX XXXX.
XXXX   XXXX   XXXX  contacted me by phone about {$75.00} I owed them. I could not recall the visit and I get a lot of scam phone calls from companies claiming I owe them money. I asked  XXXX   XXXX   XXXX  to send written verification of the debt, which I am sure I am entitled to get.  XXXX   XXXX   XXXX  would not send written proof of the debt but instead turned it over to Frost-Arnett Company, The Collection Company. I am writing to dispute the validity of this debt.
I called Santander on XX/XX/XXXX because they had not updated my payment history and balance at the credit bureaus since XX/XX/XXXX. It shows that my last payment was for XXXX, and the balance is {$3000.00}. 

I have made a {$1000.00} payment every month since XXXX, which is 2.25 times the regular payment amount. When I called Santander, the balance was {$2900.00}, and the last payment was on XX/XX/XXXX. They told me that they don't handle updating at the credit bureau, and I would have to call the credit bureaus directly. I called the credit bureaus and they said the opposite, that the Creditor is responsible for reporting the information to them. I open up a dispute with the credit bureau and at the time that I open up the dispute my balance was at {$1900.00} because I had made another payment on XX/XX/XXXX. While the dispute was in process, I made another payment of {$1000.00} on XX/XX/XXXX bring my balance to {$990.00}. The credit bureau completed the dispute on XX/XX/XXXX and said that Santander reported that they've updated the balance to {$3000.00}. Santander refuses to do anything and the credit bureaus can't do anything unless Santander reports the correct information. Please make them update my credit reports with XXXX, XXXX, and XXXX. My account is paid through XX/XX/XXXX and my balance is now {$990.00}.
Trinity Hope has made numerous calls to me referencing a debtbhat they would give me no information on. I tried several times to get information on the debt but the woman was rude and onl had an account number. She wouldnt tell me who the debt was to, when it supposedly occurred or validate it in an way,
Diversified Consultants has repeatedly called from XXXX ( enough that I put in a call block ) and recently from XXXX ( yesterday ) and XXXX which I answeredtoday, XX/XX/XXXX.  They claim to be collecting an unpaid debt from XXXX. Today they said it was for some {$240.00}. I simply responded, both times, that I have n't had an account with XXXX in about a decade and hung up. 
If it 's a legitimate debt then they can send me proof via snail mail. If it 's legit, they should have my address. The last time I checked, the USPS was still delivering. Since I have n't received any bills or threatening letters from XXXX, I can only conclude that this is a scam.
I have disputed this account on several occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are the dates to be exact. I have not received any information about these requests. This is negatively impacting my ability to obtain auto financing. I want this account to be removed as it is not reporting accurately.
To whom it may concern : I respectfully request a credit freeze on my credit file. My name is XXXX I am victim of identity theft and have attached a copy of the investigative report from my local law enforcement agency. Per the laws of the state of OHIO, I do not have to render a fee for the aforementioned freeze request. There is a XXXX account that someone tried to apply for that I never authorized or applied for Please delete the inquiry from my Credit Report it is Fraud. 

My current address is : XXXX, OH XXXX My Social Security number is : XXXX My DOB is : XXXX
On XX/XX/XXXX I called Bank of America because none of my business account alerts were being received. This triggered {$140.00} in fees for my two business accounts. 

They alerted me that all my alerts for my corporate account were cancelled. They tried to see why and fixed all my alerts to work. 

I was advised to use these alerts to cover any overdrafts. 

After asking for a refund of the fees, I was informed that their banking alerts are not considered bank error. Then I was told I was charged an overdraft fee only for posted transaction. 

It was a pending transaction that caused the overdraft. Then they said I can speak to the overdraft department. 

That department does not handle those fees. So I called back and was transferred to a supervisor named XXXX. 

Where he was very insulting and disrespectful stating that the banking alerts that I set up would not work and it was not their fault. 

And that their banking alerts which are tools to minimize client risk. I have been charged {$140.00} in fees.
Open road lending states that on XX/XX/2018 I applied for a loan which I never did. There are hard inquiries on my credit reports XXXX XXXX, XXXX  and XXXX. I called open road lending and they stated, there was an application on file but, wouldn't give me any information about it.
This property has sat unoccupied and with little maintenance by the Owner/Property Manager for a year. The Association has had to take over landscape maintenance and has spent countless hours trying to contact the property manager asking them to maintain the property to little/no avail. The Association has incurred a substantial amount of fees as the result of the lack of maintenance on this property which likely we will not recoup. Surrounding properties have filed multiple complaints with us as well as the property management company. Surrounding property owners have commented that the appearance of this property has detracted from the value of their property.
This is the third complaint I have made against FedLoan Servicing this year. All complaints, including this XXXX, are a result of my working in a good-faith effort to get my loans on the proper payment plan, update my income, or consolidate loans ... YET when I email them for additional information, or to get clarity on their automated letters, I get NO response. They do not ever respond to emails despite it being a clear option for borrowers to get more information. I have called multiple times, but calling results in XXXX hour waits, which give the nature of my job ( pediatric oncology ), creates significant hardship if not impossibility to stay on the line. I have a right to a timely, truthful response to my questions. I have emailed FedLoan Servicing immediately upon understanding there was an issue to get information about resolving the concern fairly. I have had to make additional payments simply to expedite what I consider to be " system '' or " process '' issues. I 'd as the CFPB to follow up with FedLoan Servicing to audit their email response process, and understand exactly why they can not and do not respond to emails.
Experian is repeatedly falsely verifying unauthenticated inquiries on my credit file. I have not received a firm offer of credit for any company to be listed as a hard inquiry on my credit file nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago.

Upon information and belief, no one from Experian has taken accountability for my credit disputes, therefore no one from Experian can testify in court against me.

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive Federal Class Action complaints, to get Experian to adhere to the law? Clearly, Experian does not complete reasonable dispute investigations for consumers. From my personal experience, Experian conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages.

I have been advised to provide Experian and the CFPB with this Affidavit included in this complaint and wait for a response from Experian. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Experian to claim damages for myself as well as millions of Americans who have been affected by Experians FCRA violations.

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.