WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the FULL Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX please remove any other variations of my name. I have recently discovered that my ID was used in XXXX for fraudulent charges and accounts. 
The following addresses need to be deleted they are not accurate : XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX   XXXX  XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
I have been made aware of recent hard inquiries on my XXXX  and Experian credit reports that I believe to be fraudulent. 

XXXX  : Hard inquiries dated XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for XXXX XXXX, XXXX XXXX. I have not attempted to open accounts with these companies and believe these attempts to be fraudulent. I have filed a report with XXXX and am awaiting the fraudulent inquiries to be stricken from my credit report. 

Experian : Hard inquiries dated XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. I have not attempted to open accounts with these companies and believe these attempts to be fraudulent. I attempted to file a report with Experian, and am awaiting the fraudulent inquiries to be stricken from my credit report.
I previously contacted your agency on XXXX XXXX, 2015 regarding my loan with Credit Acceptance Corporation ( CAC ). At that time, you accepted CAC 's response that they had tried and failed to contact me with an explanation of the money that was supposedly due them. You were given false information as I have not received any phone calls or written correspondence from CAC with any information. In fact, I have called CAC numerous times to try to straighten this out only to be transferred from person to person ( who could n't answer my questions ) and be falsely told that someone would be call me back with answers. To date, as I stated above, no one has contacted me. Because of this lack of communication on CAC 's part, my truck was re-possessed this morning. I think the way this matter was handled by CAC has been unfair, unlawful and unethical. I will be attaching a spread sheet showing what was due and what was paid as well as a copy of my initial complaint to you. I need to get to the bottom of this as when they took my truck, my daughter 's purse was in the truck which contained her driver 's license and her social security card as well as those of her minor children. As she is a school bus driver, she can not work without her driver 's license. This situation has gotten out of hand, please help.
I was offered a settlement and paid it. Debt remains marked as open and owed on credit report.
I have been contacting Navient for all of XX/XX/2016. I am unable to log in to my online account and I am not receiving paper statements. Aside from checking through XXXX XXXX, I 'm essentially blindly paying Navient every month because of this. When I log in I get 'We need to take you to the previous website while we make adjustments to your new online experience. ' When I click the link to the previous website, I get the exact same error. Every time I speak to them they give me a roundabout answer speaking to my 'account being set up on XXXX XXXX so it 's taking time to transfer to Navient. ' For all I know the money is not being allocating to how and where I set it up and my interest is going through the roof. Ironically, I received my XXXX last week which I was able to log in and retrieve, then when I click 'my loans ' I get the usual error : 'We need to take you to the previous website while we make adjustments to your new online experience. '
I have written to each credit bureau and they refuse to take the inquires that I did not authorized. I authorized one company 16 months ago a 1 mortgage company, XXXX, XXXX  XXXX, XXXX XXXX and XXXX only! I only authorize them to pull them once and if has pulled down my credit and I want it removed.
Kramer & Frank has ruined my credit history for medical bills my ex husband owes and I divorced him. Why are these bills in my name?
I have that in writing greater than 10 times for account information to include everything that has been charged to us, Payments we have made and where they have gone and any notes on the account. I have communicated in writing to Ditech requesting all of the above account information Because I dont agree with charges that were made for months. We have a VA loan and we have been charged more than one late fee for several months and I kept telling them that is not right and it can not be greater than 4 % of the payment. One occasion they sent me a XXXX XXXX  document ( that was manipulated ) and changed half the fees to NSF charges And I have communicated that this is not accurate in my bank statements can prove I did not get several nonsufficient fund charges.Ditech refused payment from the spouse and said they Did not have authorization to speak to me however Im the only one who makes the payments and they lost the authorization more than once. I have also had the VA reach out to Ditech to receive all the information and Three weeks later I received another manipulated document numbers did not match and it did not have any charges whatsoever Ditech charged. I am doing the math and I know thousands not be accounted for. I have demand of this information of all account charges and fees and payments And they are refusing to give me this information. They paid my homeowners insurance and drained the escrow account. I have asked repeatedly in writing why this was done for what reason and all the charges and late fees that were applied and additional interest occurred for a double late payment for months and months I do not agree with and I know this is wrong and against va regulations for servicers to do. Also my monthly payment has skyrocketed {$200.00} and this should not happen when taxes are lowered. Ditech is also a bully every time Im on the phone and collection practices are disgusting. They are breaking every consumer protection law and TRUTH IN LENDING law. I have never felt so bullied in my life. I can not see what they are doing however one of our VA representative was very vocal to make above all my other litigations, DITECH should be sued for XXXX!!! I see that they are a dirty company and Ive read about 60 other complaints within 2018 very similar. Ditech has a pattern. Ditech refuses to disclose ANYTHING true. Stop stealing and committing fraud!!!! Ditech is destroying families with their disgusting actions. Welcome to the start of your next class action.
XXXX  has been non-compliant with removing the unverified account SYNCB/XXXX  XXXX  which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SYNCB/XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I've called XXXX 3 separate times today and told 3 separate answers to this question : Will filing a dispute affect my credit score? A few times, I was told no or it shouldn't. Then the last time an overseas representative said yes.

My score went down 13 points because I have disputes ongoing and XXXX XXXX in specific said they reported to XXXX  on :XX/XX/XXXX - " XXXX XXXX  reported account under collections with - dispute status - the unpaid balance that was reported is {$710.00}. '' per rep. This account with XXXX XXXX had ALREADY reported this to agenciesXX/XX/XXXX. They told me they report twice in a month. So, for over a year they have reported often with no change in score points until this dipute.

I disputed the account and now my score went down? And the collection representative verbally validated that. A credit monitoring showed it was XXXX XXXX collections due to adding remarks about a dispute - was the reason the score went down 13 pts.

" The FICO score will not allow an item that is actively being disputed to harm your score. When the XB code is present on an account, a public record, or a collection, the FICO scoring system treats it differently than it would if the account was not actively in dispute.

This is where the confusion comes from. The FICO score will not allow an item that is actively being disputed to harm your score. '' Nothing changed as far as a payment, etc. TODAY I asked XXXX to stop the dispute. Also, XXXX should fix my points - add them back to my score.

Lastly, XXXX, nor XXXX touched my score and I disputed with them as well. I have paid off 3 or 4 collection accounts and my score will only go up 1 or 3 points, but it always go down 13 to 24 points if something is added.

Please look into this and have them to add my points back on as nothing happened on my credit report to justify this. Again, actually, I paid / removed 4 accounts and only XXXX barely show an improvement in the scores while the other 2 major agencies shows great improvement.

Thank you, XXXX XXXX
I was denied credit on XX/XX/2017 and the listing company was XXXX XXXX XXXX, Consumer Office XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX When I tried to get my report they are asking for personal information in a Hard Copy. Such as Passport and other personal documentation. The other credit agencies do not do this and it seems very suspicious to me that this company asked for this information mail or faxed to them. I should be able to get my free credit report without these additional hard copies.
during 2014 I purchased some window treatments from JC Penney company and returned the entire purchase. the store employee was new to JC Penney and did not know how to process a return in the store. After nearly 50 minutes at the store cash register she told us that her manager was not working today, but she would process the return for me and she issued via the cash register a return receipt for the amount I was owed. 
Nearly one year later XXXX XXXX contacted me by phone ask me to pay the JCPenney bill for less than {$300.00}. I asked them to send me a copy of the transaction from the store. They sent me in the mail a copy their internal document that simply stated that I owed them less than {$300.00}, but none of the documentation included actual store receipt from JC Penney or an itemized document of purchase. 
Since I have over a XXXX credit score it is highly unlikely that I owe this amount that XXXX XXXX is calling me every day at least 6 times a day ( I have saved all of the messages from them over the last 6 months ). 
clearly under the new guidelines that the CFPB has established for debt collectors it seems that XXXX XXXX is in violation of these new Federal Statues. They also simply are not willing to document the debt they are trying to collect from me and if the debt was correct I would pay this small amount. I never received an monthly statement from JC Penney that shows I owe any money to them.
Coast Professional calls my cell ~twice a day and recently they called my office - speaking to 2 colleagues of mine prior to me. I have written them asking to no longer be contacted, but they call while I am at work every day when I can not take personal calls. Calling my office is aggressive.
I never authorize this account to be open at no point and i have call the bank to fix this and they only give the run round everything. i contacted them 3 days ago and they said i dont have no account with a negative balance but in my XXXX XXXX it came up with a negative balance and this is not letting me open other banks account.
based on information and belief this is not my account. never received any notice of this alleged debt. ID Theft
Members of XXXX XXXX XXXX encountered fraudulent advertising and misrepresentation regarding our stay at an Apartment ( which was advertised as such ) which was unclean, lacked the proper facilities advertised, lacked proper ventilation and safety features for XXXX ( all of us ). The owner ( who actually lived there ) refused to refund our money after we saw the accommodations, was indignant and never returned our phone calls or requests for a refund via certified letter. His personal cleaning, clothing, maintenance, and garbage was left inside the premises. Pictures included tell the story as well as other complaints on line. He continues to jump from one hotel website to another after receiving complaints. 
We are complaining due to the fact that no response has yet been received as to USBank findings were.Tthey refused to investigate any further or contact the owner of the property for verification of our complaint, yet all contact information has been afforded them. Our money was refunded immediately after filing the dispute with the Branch office in XXXX XXXX, the end of XXXX, then we see that the amount was deducted out of our business account with no further contact or attempts to receive more information from USBank in XXXX, ND. Customer service puts the blame on us as Seniors for staying there with no action done on their part to resolve this dispute whatsoever. We had no where else to go since we were XXXX miles from home, this is a peak season in XXXX and better hotels were all booked up. As XXXX as well as XXXX Officials of a Non-profit XXXX XXXX we feel that we have been mishandled and taken advantage on both sides in regards to our own funds and membership donations..
I went to XXXX XXXX over a year ago not sure of the dates to do debt consolidation. I did not use their services because I was able tor repair my credit on my own. They call me every week to try to get me to use their services. I asked them several times to take me off of their list but they continue to call me and leave voicemail messages. This is clogging up my voicemail as well as it 's annoying me because I asked them several times to stop calling me but they will not. The phone number is XXXX.
Automated calls are often and repeated, it states they are from Bank of America, they are looking for an XXXX and XXXX XXXX who have never lived here or have had my number. I have had the same phone number for 15 years. 
One I did speak to a live person and informed him those people do not live here and the calls stopped for a while, today alone, I received 5 calls it was automated, it states if I am not XXXX or XXXX to press 2, I did press 2 and nothing happened, so I hung up, as soon as I hung up, they called again, same message, I continued pressing 2 to show I am not them, still the calls continued to come in. This is not only an annoyance, it is harassment.
I have sent a letter to dispute inaccurate information on my credit report and Experian continues to refuse to investigate my claims. Per the FCRA they are supposed to investigate claims of errors on my report but will not nor will they show me how they come to the verification process per the FCRA laws that govern them.
This is a disputed response to previously filed claim against Paymap and Western Union CFPB Complaint Number XXXX. 

Paymap issued a stop payment for the re-issued check in the amount of {$520.00} after it was deposited XX/XX/2017. My bank issued a notice of returned deposited/cashed check due to return reason : Stop Payment by Paymap Inc. Attached is the stop payment notice I received from my bank. I was not able to collect promised amount due to the above reason thereby I am disputing Paymap 's response. I called Western Union/Paymap 's Corporate Headquarters at XXXX, and provide the Western Union Reference # XXXX but there was no one to answer my call despite several trials. 

I am formally submitting a compliant to have Paymap re-issue the payment of {$520.00} in the form of Cashiers Check issued to the correct pay to the order of : XXXX XXXX as originally disputed on claim. Mail payment to : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX.
I have an account with Credco to pull potential clients credit reports. I have a minimum payment of {$25.00} that I have to make every month in order to maintain this account. 

Credco billing department erroneously has not applied one of my minimum monthly payments, and as a result, it keeps sending me erroneous bills for {$25.00} that I do not owe. I have sent Credco billing department explanation and a copy of my online banking payments, which shows all payments have been paid from XX/XX/XXXX until XX/XX/XXXX. 

However, Credco billing department refuses to admit their billing errors and instead they are forcing me to cancel my account so they can credit me for that erroneous {$25.00} charge, which has already been paid to them. 

I have attached a copy of my online banking transactions, which clearly shows all payments have been paid to Credco. 

In my opinion, Credco is acting in a bad faith by sending me erroneous bill for something that has already been paid to them. They also refuse to correct their error and in the meantime they are threatening my credit rating and my business.
this company is currently reporting 6 accounts that either do not belong to me, have inaccuarate balances aand are a result of identity theft .These accounts were removed previuosly after an investigation and have been plaaced back on my credit .I do not have an account with XXXX and they are reporting two accounts on my credit that do not belong to me .XXXX is reporting a balance that is inaccuarate and I have sent proff to equifax of the correct balance determined by a judgement in court for less than half of what is being reported.XXXX XXXX has been paid off and the two medical accounts with XXXX  were paid by XXXX.
XXXX XXXX XXXX is showing up on my credit report 5 times with all three bureaus and they are n't licenced in the state of fl..I 'm resquesting that they be removed immediately from all three bureaus.
I have n't been able to reach any humans thru equifax phone number, they have been sending me emails that my dispute has been resolved but every time i click the link on their email, it says i ca n't see the result, this is a clear violation of FCRA 611 ( a ) ( 6 ) ( A ), which states as follows : " FCRA 611 ( a ) ( 6 ) ( A ) Notice of Results of Reinvestigation A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by means available to the agency. ''
I am deeply concerned about XXXX XXXX and Bank of America trying to coerce legally operated businesses to change their business model and services to support the recent attacks on the 2md Amendment. Specifically, as long as the businesses in question are performing in a legal fashion, their lending and credit policies should apply equally to all businesses and not single out a specific class like firearm, ammunition, and accessory manufacturers. This attack on a specific class oon business is unacceptable.
I applied for a modification and OCWEN told me I wasn't eligible for a Modification but that I did qualify for a shared something or other. I was told by several other companies that I DID qualify for a modification, but at the time I was afraid of losing my home so I went with OCWEN 'S horrible horrible offer, I will never ever get my home paid for or be able to sell it to anyone because of the mortgage as it stands right now. I am to pay for years and years and years, 30 of them and at the end I still have a balloon payment of the XXXX that I currently owe, how is that possible or fair? Also, XX/XX/2016 they reduced my mortgage by XXXX and sent the irs a XXXX for cancellation of debt but then they added that same amount back into my mortgage. When I first had the loan servicing with Ocwen, my loan was XXXX now my mortgage balance is like 274,000.00 and I  don't understand why, I have asked them to explain it to me, I have asked them to fix the cancellation of debt because you can't have both, you can't cancel a debt and then add it back into the loan without fixing it with the IRS. Ocwen is also reporting negative things to the credit bureaus and I am current. I asked them to fix it and they just blew me off by sending me a payment history which is when I learned about the debt cancellation mistake. Plus there are all these fees that they charged for inspection and other things that have never been done. They have never ever inspected my home.
How is it that the owner of the mortgage was never the owner as assigned to XXXX XXXX XXXX XXXX tn XXXX in there own words. How can you legally assign a mortgage to someone that does n't know they are the note holder or owner then sell the servicing rights to another servicer?
I have recently received a copy of my credit report, The report had an account listed that are not mine..I have disputed the accounts for months with the credit bureaus as " not mine '' but it recently came back as verified ... I have never had an account with these companies..Please delete immediately before further harm is done XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
I had applied to XXXX and was denied auto insurance due to a report from Lexis Nexis. I had to stick with XXXX since no one else would insure my car ( s ). My XXXX auto insurance came up for renewal and XXXX sent me a Virginia adverse report due to information from Lexis Nexis. XXXX proceeded to hike up my auto insurance cost due to the so called report from Lexis Nexis. Following the instruction in the XXXX report, I wrote to Lexis Nexis to send me a copy of the report. They wrote back to say they could not verify my information and that I should call them. I have called several times, and no one has ever picked the call. If LexisNexis could not verify my information to send me my report, what information do they have to report on?. Unlike my free credit report, LexisNexis is very frustrating and difficult and I urge the government to save us from this unnecessary hardship and distress of several hours of phone call without any result. I deserve to have access to my report. Please compel LexisNexis to release my report so I can correct any factual errors.
I was charged a fee both when I spoke with XXXX XXXX, and XXXX XXXX, who overnight changed the mortgage number, and gave the file to IndyMac mortgage service, who after XXXX cleared the way for everybody to remain in their homes charged another modification fee. I agreed in order to keep a home whom was not built by these people but my mother.
I had lost my job and informed care credit regarding it in a certified letter stating to stop calls. And I would take care of the bill once I got other things caught up. Yet I still get calls from them several times a day from them and any affiliation. I want to file a complaint against them for frequent calling after requesting a cease to it. They call several times a day, including within at least 2 to 3 calls in a few hour period. Also have tried calling my wife to get in touch with me.
I believe my loan request was denied due to my age ... ..I 've been a member for over 14+ years, and attempted to obtain a consolidation loan ... .that 's key, as I wanted to return to the XXXX ... .the reason given after being put through several loops..it was denied!! I had a home loan that was paid off early, and when I got that, I owed more ... BUT was younger ... ..I was also lied to about a freeze ... no one else had this reaponse..I checked..