WillisBack/dataset-financial-user-claim huggingface dataset:
it take me 2 years to get my credit up to score XXXX trans union bring down to XXXX i call trans union and talk to one of person and tell them about my credit report my credit score when down to XXXX and i tell them you guys putting inaccurate information on my credit report it took them 2 weeks bring my credit score XXXX on XX/XX/XXXX i check my credit score they bring it down to XXXX again last i tell them i am going to the sue trans union putting wrong information on my credit report now i want them to bring my credit score back to XXXX or i will take some kind action
COMMONWEALTH FINANCIAL is reporting three collection accounts to the credit bureaus that are not owed by me. I have disputed these accounts with all three credit bureaus, but they just added a statement " Consumer disputes this account information Medical ''. The credit bureaus or Commonwealth Financial have yet to verify that this debt belongs to me. I have told them that I do not owe them and this is not my debt and they continue trying to collect on the debt and continue to report it on my credit report. This is false information. Filing a complaint here is my last resort. I do n't know what else to do to stop them from reporting this inaccurate information.
ENHANCED RECOVERY COMPANY CLAIMS I OWE AN AMOUNT OF {$200.00} FOR A XXXX CELL PHONE THAT I NEVER HAD. IT WAS PUT ON MY CREDIT REPORT AND THIS IS THE FIRST TIME I AM HEARING OR EVEN KNOWING ABOUT THIS MATTER.
Spoke with a random Beneficial HSBC mortgage agent on the phone on XXXX/XXXX/2015 to ask about a reduced interest rate for my mortgage, yes we can do that. Received letter dated XXXX/XXXX/2015 offering a Loss Mitigation Application trial period. If I were to meet the XXXX payments in the trial period, my loan interest rate would be reduced to 8.422 % and a reduction of {$170.00} in mortgage due per month. I called the number on the letter and asked what is the catch? No, catch, we want to do this for you. My gut said something was fishy but I wanted a lesser interest rate and monthly payment, I paid the three month trial period. When I finally got the actual paperwork on XXXX/XXXX/2015, it was too late to back out, if I did, I lost the three months that I have already paid, which they would not apply to my mortgage, meaning, I was paying XXXX each month for XXXX months. What I thought was too good to be true, was. During this time, my mortgage specialist agent was switched to a different woman. She was extremely defensive, stating that she was just doing her job. Another red flag. 
Now, I have another negative reporting on my credit rating, Beneficial has the Deed-in-Lieu of Foreclosure on my house and will send me a XXXX for XXXX for the 2015 tax year. I signed the papers and returned them because I could not afford to pay three months mortgage XXXX. I am mad that I was taken advantage of. Yes, I should have had a lawyer look at it for {$250.00}, that is my error. I would like to have this corrected and stopped so that other people like myself, hardworking, just trying to make ends meet and have the XXXX dream of owning a home and making an honest living do n't have to have the stress and anger that I experienced with Beneficial. 
I have all of the paperwork and names of the persons that I spoke with at Beneficial that show every step of the way. 
Thank you for your assistance with this. I hope that my story will help others.
UWM ( United Wholesale Mortgage ) is NOT doing there job. My insurance carrier notified UWM in XXXX 2015 of what my homeowners insurance amount would be, which is approximately {$630.00}. My escrow amount before the insurance payment was {$1000.00}. UWM sent them XXXX checks totally a little over {$1500.00}. UWM does NOT update their information but once a year, so now I have a negative in my escrow. This is TOTALLY unfair!!
I had taken out a pay day loan with this lender for {$300.00} plus {$90.00} for interest. I have been paying on this loan since XXXX. I was contacted by XXXX doc, who has been working as my mediator to collect a lower payment. Meanwhile, this lender has contacted me at work and threatened to contact my payroll department and threatened to have me arrested. They continue to call my cell phone number and send me threatening emails.
It started with one company saying I owe a debt. I spoke to them. The company insisted that I owed. After that with this company XXXX other companies are saying similar things. I am trying to get answers but no company will take NO! for an answer. It has been XXXX year and I still get these same companies calling everyday. So I just try not picking up. The companies are : CBE GROUP XXXX.
I disputed this account, requesting proof of the debt. They failed to provide such proof and contine to report to the credit agency.
I am a victim of predatory lending. My mortgage rate is 10 %. I obtained my loan through Bank of America XX/XX/XXXX. I was told this was the only rate for which I was qualified, so I signed for it. I had no idea that this was not the average loan rate, or that I could have received a lower rate at that or any other institution. I was stuck! In XX/XX/XXXX, I applied for a loan modification. The application was wrongfully denied for incompleteness. I appealed, the bank admitted its mistake, then denied the loan based on housing expense and income eligibility. Bank of America NEVER addressed the predatory lending issue. I have managed to remain current on my mortgage payments but it is becoming increasingly more difficult as I have been forced into retirement, and my present income is now only XXXX % of what my working income was. I just want, and now, need a lower rate. The mortgage rate Bank of America is charging me is disgraceful and insulting, especially when the subprime rate is not even 10 %. Bank of America representatives will not even address the rate terms nor the detriment to my finances since XX/XX/XXXX. Bank of America 's actions of charging me this outrageous and unfair rate can only be sighted as abusive. I have been completely taken advantage of by this institution. Through a lot of personal choices and lifestyle changes, I have as yet, made my mortgage payments on time, and because my payments have been on time, my situation has not been viewed as a hardship, although it is a hardship and it 's getting harder every month. It seems that as long as I am paying, and the bank is not losing any money, they see no need to modify this loan, lower this abusive rate, or do anything to help me stay in my house.
Not only has Experian taken extraordinary lengths of time, beyond the FCRA requirements of 30 days, to dispute results on my credit report, they are making any sort of dispute on the report nearly impossible to carry out. When I call the XXXX number, unlike most consumers, who have opportunity to dispute issue with a general rep, Experian makes me ( XXXX military vet ) have to take extra steps to rectify my problem. I have to call a special phone number with very limited hours to dispute anything. Experian calls this the consumer advocate team. This team makes consumers who complain to CFPB, go extra lengths to dispute because they are considered problem customers, so they make it more difficult for them to dispute. Experian is not only taking advantage, scamming consumers but they are committing fraud against military vets, both disabled and able bodied alike. 

- They are making accounts reappear after they are removed from the account. 

- XXXX XXXX, balance - {$31000.00} was removed and reappeared - XXXX - Closed account, listed as fraudulent account that was removed months ago and reappeared again ( {$410.00} balance ) - XXXX - current, XXXX balance, never late - Placed XXXX  credit card on my report with a XXXX balance, that was allegedly open on XX/XX/XXXX, with a {$400.00} dollar credit limit. I have an account with target, a retail credit card with a {$200.00} dollar limit, XXXX balance, current, never late, opened on XX/XX/XXXX THESE ACCOUNTS DISAPPEARED REGARDLESS OF BEING POSITIVE. EXPERIAN GOING OUT OF THEIR WAY TO DELETE POSITIVE INFO XXXX  Personal Line of Credit Credit Limit {$10000.00} Open Account Never Late Opened - XX/XX/XXXX Balance - {$0.00} Account # XXXX XXXX XXXX XXXX Credit Card ( revolving credit ) Credit Limit - {$25000.00} Open Account Never Late Balance - {$0.00} Account # XXXX XXXXXXXX XXXX XXXX Credit Card ( DO NOT CONFUSE THIS WITH THE XXXX   CREDIT CARD THAT WAS RECENTLY DELETED WITH A {$490.00} BALANCE ) THIS ACCOUNT HAS A {$0.00} BALANCE CREDIT LIMIT {$200.00} OPEN - XX/XX/XXXX REVOLVING CC RETAIL CREDIT CARD {$0.00} BALANCE NEVER LATE OPEN ACCOUNT XXXX CREDIT CARD CREDIT LIMIT- {$500.00} NEVER LATE OPEN REVOLVING CREDIT CARD XXXX XXXX XXXX XXXX  CARD OPEN ACCOUNT - XX/XX/XXXX XXXX CREDIT LIMIT CREDIT LIMIT HIGH - XXXX XXXX BALANCE
Per resolved CFPB complaint # XXXX, Freedom Mortgage began sending all documents to the wrong address in XX/XX/2018. 
So I did not receive the company 's notice that it needed proof of insurance until that error was corrected BY MY EFFORT in late XX/XX/XXXX. 
My insurance company provided the information to them in early XX/XX/XXXX. 

Today I received notice that Freedom Mortgage retroactively RETROACTIVELY purchased insurance for me in XX/XX/2018. I don't know how they could have done that as it is my understanding that such insurance can not be purchased retroactively and the earliest possible purchase date would have been XX/XX/XXXX. 
I carry HO 6 insurance through my personal insurance company.

So I am now doubly insured because Freedom Mortgage sent documents to the wrong address for more than six month. 

I want the redundant policy canceled and all charges to disappear from my escrow account. My mortgage documents were approved with the requirement that the condominium be insured and it was approved by the lender under those conditions.
I have contacted Trans Union several times since early XX/XX/XXXX to remove information on my credit report that belongs to someone else. The other person 's information on my report died in XX/XX/XXXX and because his SSN is similar to mine, I can not get Trans Union to remove his death claim from my credit report, in spite of my repeated requests. I am being denied car insurance and cell phone service because of their error. Every time I call Trans Union I am told " the problem will be fixed in 5 days '' but it is never fixed and no one really looks into it to help me.
On XXXX XXXX 2016 I received a letter from Creditors Bureau Associates XXXX, Collection Division.I have attached all paperwork showing this bill was paid.
At XXXX XXXX XXXX my checking account w CHASE had a positive balance - I checked. When I woke up in the morning I was negative, charged XXXX insufficient fund fees ( XXXX X XXXX ) = {$64.00} for an overdraw of ( XXXX ) {$140.00}. Within hours I deposited cash and my account was restored to a positive balance. Chase has a policy if funds are presented before XXXX the same day, no charges are incurred. However, CHASE has refused to return the fees charged. I was given XXXX reasons : 1 ) i had used my XXXX courtesy fee reversals, 2 ) The funds needed to be in the account on XXXX XXXX. It was unfortunate for me a XXXX party failed to contractually deposit funds on XXXX XXXX ANd CHASE fails to care whether XXXX of the XXXX reversals were the fault of the bank. CHASE claims they provide all of these online tools to make sure consumers do not incur fees and make their experience better. However they failed to present me with any information ; they did not show these XXXX charges as my pending charges when i checked the status of my account at XXXX. They say they cant. How was I supposed to rectify the problem? Most importantly, i believe charging XXXX Dollars for covering XXXX Dollars for less than XXXX hours is pure usery and a violation of their fiduciary responsibility. Why this fee structure is not scaled is beyond me. Why I am paying over 70 % interest for a transaction that cost the bank pennies needs to be examined by CFPB. This is not about their XXXX XXXX XXXX this is about ethics and the spirit of the law.
I submitting a complaint against Conns in XXXX of 2015 for the same issue. I spoke with an Agent of Conns today and informed him that I will be making my payment on the XXXX and that if I continue to get calls I will be filing a complaint. I mailed a letter stating that I did not want to be contacted until I was past 30 days late on my payment in XXXX 2015. I am currently only XXXX days late on my payment and have received XXXX phone calls. At least XXXX of these calls were automated. I have attached a call log with the current information about the calls I have already received.
I am a victim of identity theft and the criminals tampered with a new car loan that I started with PNC BANK in XX/XX/2018 by stealing my mail and other documents that were set up between XXXX XXXX the car dealership where I purchased the vehicle from. Also, he or she called into PNC Bank and changed personal information of mine such as my mailing address associated to my auto loan. 
In addition to the identity theft crime ; checks that were placed in my mailbox were stolen from my outbound route and were cashed from an unknown third party which the back is investigating and has credited me the funds. In result to that, I have received 30-59 Days Late days late on my credit profile for XX/XX/2018 and XX/XX/2018. 
I've contacted PNC Bank via phone and certified mail providing my explanation of the identity theft, XXXX XXXX Police report, United States Postal Police Identity Theft Report, and FTC report about this matter and was instructed there is no way to fix the inaccurate information that was reported to the Credit Bureaus
Pioneer Credit Recovery has lied about its own practices. They told me that in order to set up a payment plan I had to give them tons of information about our finances, including other debts, income, utilities, etc. After this, they refused to give us a payment plan other than " pay half this month, half next month '' and refused to accept any other payment. Now, years later, they are saying they never said this, and I of course owe tons of interest and penalties for non payment, when THEY WOULD NOT LET ME PAY.
Centric assets keeps calling my work after I told them not to. A XXXX XXXX keeps calling treating to call my superior. 
I told not to call my work that I am notallowed.personal calls. 
He also harassed the people that work there.
They have responded with a response that they have stopped all collection but are still reporting. I have submitted police report and it 's clear they are still reporting. They are not being factual in responses.
STILL DO NOT HAVE AN UPDATED-CORRECTED CREDIT REPORT. I have been going online trying to dispute and remove old items ... still a real problem. 
Last Credit Report I received was dated XXXX/XXXX/2014. 
PLEASE CORRECT : 1. XXXX- # XXXX-Old account-was transferred and re financed.-REMOVE 2. XXXX- # XXXX-old 10 years old paid and closed REMOVE 3. XXXX- # XXXX-Over 10 years old-REMOVE 4. XXXX XXXX XXXX # XXXX-same account as # XXXX above XXXX-REMOVE 5. XXXX Auto-Paid and closed-10 years old OLD REMOVE 6. XXXX- # XXXX-Paid and closed-old 10 years old REMOVE 7. XXXX- # XXXX-paid and closed-old 10 years old-REMOVE 8. XXXX XXXX # XXXX-Paid and closed-Old-10 years old REMOVE 9. XXXX XXXX XXXX # XXXX-Paid and closed-old 10 years old REMOVE 10. XXXX XXXX XXXX # XXXX-Paid and closed-10 years old REMOVE
I have received messages from friends and family who have received phone calls or voicemails from XXXX stating that they are trying to reach me. They told my father that I was in danger of being arrested, told my grandmother that I was being prosecuted in a criminal case, told my sister that I was being summoned for jury duty, and told my sister-in-law that they were going to serve my company legal documents subpoenaing me to court. I have contacted the company and asked for a cease and desist order for this debt and asked that they cease all harassing phone calls containing false statements.
I have discovered a derogatory mark on my credit about a year ago that did not seem familiar. After doing research I found out that the entry was related to a bail bonds company. At this time they provided me with information about an old roommate of mine who I have zero contact with apparently submitted my name as a backup contact and provided materials he collected from my initial application process when i moved in a few years before this. 

I have made several attempts to clear this from my report as I have not ever gave permission to this person to use my information and should not be liable for this persons debt. I have asked on a few occasions for them to provide me with proof of my information being submitted. They informed me that someone must have came into their offices and provided identification. This would be impossible and I would like to have some hard proof that this occurred. They said they would provide this information but still to this day will not remove the account from my credit or provide any further information. 

I am not sure what else can be done to resolve this. I do not want to pay for a debt that is not mine and clearly the result of identity theft.
FromXX/XX/XXXX untilXX/XX/XXXX this school loan from Great Lakes reported that I was late on my payments but I never knew anything about my student loans or anything but then they reported I was on time on XX/XX/XXXX when I still never got anything in reference to my student loans being due or anything what so ever. The school shut down that i was attending and I never got anything in reference to this student loan
I ordered a credit report ( see attached document ) from Equifax on XX/XX/XXXX XXXX # XXXX ) and after a month had not received a response regarding a dispute submitted on-line. The disputes were in regards to derogatory accounts by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. These XXXX accounts had been included in a bankruptcy which was successfully discharged in XX/XX/XXXX and these two XX/XX/XXXX accounts were scheduled to be deleted from all of my credit reports ( Equifax, XX/XX/XXXXXXXX XXXX by the end of XX/XX/XXXX having been discharged and over 7 years since closed. I called Equifax on XX/XX/XXXX regarding the status of my dispute. Although I never received an outcome of my dispute from Equifax, the Equifax customer assistant told me that XXXX account XXXX was deleted but that XXXX account XXXX was not. XXXX XXXX shows account XXXX as OPEN and PAST DUE derogatory. This is false as 1 ) the debt was paid in full and discharged, 2 ) the account was closed over 7 years ago, 3 ) is not past due. Equifax told me on XX/XX/XXXX that this account will stay on my report indefinitely and that it is not derogatory. I know that this is not true and filed another dispute - Equifax dispute # XXXX. 

If you see my past history of disputes, you can note that XXXX has done everything that it can to keep incorrect credit history on my credit reports. XXXX is now AGAIN attempting to unlawfully collect on this account Also attached are documents showing this and all XXXX  accounts 1 ) included in bankruptcy and 2 ) having been successfully discharged.
I tried to obtain my annual free credit report. I was unable to do so. It looks like my credit has been stolen!
I am having trouble with bank of America about a house I bought in texas. They continue to stall or not communicate with me or my realtor. This has been the problem for 18 months. I have filed a complaint ... # XXXX
Incorrect comments reported under loan servicing company regarding a mortgage I had with and investor. August REI has not and will not update status to Release of Lien vs. Deed in Lieu of Foreclosure although the investor has filed a Release of Lien. Service Company not involved in agreement.
Experian is reporting XXXX XXXX XXXX - XXXX on my credit report when it was deleted from the other XXXX reports. I have contacted this collection agency and they have failed to provide proof that I owe this debt. XXXX and XXXX deleted it because they lacked proof. 

Experian is the only credit report that is reporting XXXX XXXX XXXX - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX - XXXX and XXXX - XXXX. I am not sure how these XXXX accounts were able to be verified by you and but XXXX and XXXX deleted it. 

I also need help deleting the following names that are incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also need help deleting the following addresses that are incorrect. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
I had them change the date of withdrawals to coincide with my paydays and they charged me an extra {$150.00} and added that to my payment I have already paid this company over {$2000.00} for a small loan. Now the agreement they send me is an out of the country bank who I believe are a fraud in fact 1st page undercpayment schedule interest rate is over 800 % and says if you pay off early you still apy full fiannace charge. 
How is this legal I have asked XXXX multiple times to stop withdrawals from my acct and they wont as company makes remote checks. 
I think they need to be reported to FTC
We have started a short sale with OCWEN ( mortgage servicer ) & it 's been almost nine months & they are not willing to work with the highest offer. The current buyer is offering 90 % of what OCWEN wants & OCWEN is still not accepting it. It looks like they are trying to foreclose instead of working with short sale.
I opted out of debit card overdraft protection with Bank of the West because I thought that it meant that any payment from my debit card would be declined if I did n't have enough funds. According to their website, overdraft protection covers automatic payments and recurring debit card transactions. I forgot about an automatic debit payment that the bank allowed to go through, totally my fault for forgetting, but I became overdrawn by {$7.00} so they charged me a {$35.00} fee. When I called to find out why and to have them explain it to me, one person told me it was at the bank 's discretion to allow things to go through and then she hung up on me so I called back and another person told me that it did n't apply to automatic debit card transactions but from what I understand it does.
This company continuously refuses to provide me proof of debt and refuses to provide their companies lawyers name. Ive requested proof of debt 3 times now and have yet to have this fraudulent account validated. I first spoke to a rep who I thought sounded like XXXX XXXX ( she refused to spell her name ) and she claimed she was going to mail proof- then the manager XXXX XXXX she transferred me to after once hanging up on me refused to mail it then continuously repeated every single question I asked but never answered it. She claimed she didnt have to mail me the proof which is not abiding by the FDCPA. Looking at other complaints I can see this is their pattern. They do not have any solid proof this fraudulent account is mine and they do not even have my information correctly. They do not have my social - they do not have any information this is my account, and they refuse to answer my disputes. I already disputed this debt 3 times and they never responded. She accused me of not knowing how to dispute an account even though I disputed it through the appropriate channels with all 3 major credit bureaus. The manager and representative were highly unprofessional, refused to provide any information, and I demand proof of debt or to have this account deleted. I have this all on recording and will be looking into further action if I do not receive what I asked for.