WillisBack/dataset-financial-user-claim huggingface dataset:
Experian continues to report numerous unverified inaccurate information on my credit report, which is against the federal law. I have repeatedly asked how and who is verifying these inaccuracies. To this date I have not received anything verifying these inaccuracies. I have spoken to various personnel and visited the county recorders office and the clerks there stated that they DO NOT verify or even communicate with credit bureaus. So there is NO way my dispute was ever handled the proper way. Experian obtains public record info from 3rd party companies such as   XXXX   XXXX   NOT from the actual courthouse. So this means when they " investigate '' and Experian says the furnisher of the information is the courthouse, that is a big fat lie. How can Experian say they looked at my current public record to verify a dispute when that info can only be ACCURATELY furnished by the county recorder ... that very same county recorder told me that they do n't provide that info to Experian. I also have numerous address and names and social security numbers attached to my Experian credit report that DO NOT belong to me. How can Experian have various social security numbers on my credit report and state that my report is accurate. That right there is ridiculous. I demand that these inaccuracies be deleted immediately or I will sue Experian for each violation. I am tired of going back and forth with Experian about this and I am prepared to sue them. I have attached drivers license to prove I was not living at these addresses Experian has attached to me along with the inaccurate information on my credit report
I have been trying to settle this account that I don't even own with portfolio recovery to no avail. Upon checking my reports today I realized that they are reporting as an open account with me having 2 late payments in XX/XX/2018 120 days late. I HAVE NEVER made payment arrangements of any sort with this company and I believe that would mean they are acting as a factoring company. This has to be some sort of violation with them.
I spoke to Quicken Loans on XX/XX/XXXX to get a preapproval for a mortgage. They asked me to run me and my husband 's credit which I agreed to. The person I spoke to XXXX, gave me the credit scores for both my husband XXXX and I. 

On XX/XX/XXXX, I called for a follow up, to get the details of what I was preapproved for. XXXX said he would call me back, later he called me back to tell me that my Debt to Income ratio is too high. He did not notify me that he ran my credit. 

On Monday, XX/XX/XXXX, I checked my credit report to see that a hard inquiry was on my report for XX/XX/XXXX from XXXX XXXX a duplicate from the XX/XX/XXXX inquiry. 

I called XXXX XXXX and they said that they can see Quicken Loans requested it, and I could call Quicken Loans for a deletion letter so they could take off the second inquiry. 

I called Quicken Loans and left a voicemail for XXXX
I pulled a copy of my credit report and noticed that TransUnion is reporting 2 things incorrectly. The first was XXXX XXXX XXXX showing in Bankruptcy and that is not correct. An account with XXXX  XXXX which is an unfamiliar account and I still do n't know who this is. I have disputed several times trying to get the two things resolved to no avail. If there is anyway your company could help me I would truly appreciate it.
XX/XX/XXXX - received email from XXXX that XXXX XXXX XXXX charged me {$3600.00}. Email stated card number was keyed in. I called American Express immediately and was told it would be taken care of. Charge was pending. I requested a new card and it was shipped to me. 

XX/XX/XXXX - Fraud Charge is now posted. I called American Express again and was told not to worry its being investigated. 

XX/XX/XXXX - Called because charge is still on my account. I was told they haven't done anything yet and they will investigate. They have no record of my second call and claim the charge as pending on my initial call so they couldn't get anything started.
I 've sent numerous certified letters to the collection agency and the creditor directly to remove this frivolous account from my records. The collection agency kept requesting for me to provide more information. I am unable to provide anymore info on that account. A fraud affidavit was submitted to the collection agency multiple times. The have n't corrected the issue
I attended California School XXXX XXXX XXXX XXXX XXXX XXXX program from XX/XX/XXXX - XX/XX/XXXX. I believe in XX/XX/XXXX a lawsuit was placed against them for fraud and misrepresenting graduating income and job placement. I have not been a position to afford the payments and the amount that is owed. I have felt that the only way to try to overcome this is being placed on the income based repayment plan, but not all the loans can be placed on this program as I also have private loans with Navient as well. I am overwhelmed with debt and have a degree that will not ever make a large amount of money to repay the loan. I feel that I was pressured into signing up and also feel that the school lied to me about the amount of money I would make finishing the course and how easy it would be to repay my loans back. I also feel that they lied about their success in graduates. They have since closed their doors I believe in XX/XX/XXXX. I would like some assistance or guidance if there is anything I can do to better my situation.
I have been fighting TransUnion & XXXX  about and account that should not be reporting on my file. There are two XXXX Accounts one with a partial account number of XXXX reports opened XX/XX/XXXX and the other is XXXX which shows opened XX/XX/XXXX both are indicating I was an authorized user and at no time did I ever apply or hold an account with XXXX. Why are these still on my credit report?? They are not mine, I never gave consent and they need to be removed. Anyone can put a person on their account without the knowledge of a person and then go late and then it effects their scores? THESE WERE NOT MY ACCOUNTS!
This is a continued ongoing complaint. Again XXXX has responded with allegations that they were in their right to pull my credit and perform a hard inquiry, but again and again have failed to provide documentation that supports their right under the Fair Credit Reporting Act ( FCRA ). I never gave my consent for XXXX XXXX to pull my credit history, I never submitted a loan application, I never showed or implied interest in any of their loan products and I never  suggested that I was in the market for a loan of any sorts, yet Equifax continues to side with XXXX XXXX without requesting that they produce material that would support their right under the FCRA claim.. I called XXXX XXXX just to talk to a loan " specialist '' for information regarding how much time from the date of a foreclosure would it take before being once again eligible for a mortgage loan? I was told that they would need some basic information and after giving said info I was then told that I was not eligible for a loan mortgage at this time ... Huh ... I already knew that? Then was told it would take 5 to 7 years before being eligible for any of the  loan products that XXXX XXXX offers, with that I said Okay thanks for your time and hung up. Many months later I came to find out that without my permission or knowledge my credit was pulled for asking a mortgage question only ... This is violation to my rights as a consumer and rights under the FCRA. Furthermore Quicken loan response that I had interest in a loan product because I asked a question and therefore they were in their right to pull my credit is total XXXX and preys on unsuspecting consumers.. So I ask again for XXXX XXXX to provide proof of my interest in being approved for one of their loan products other than a letter that states I called and had a conversation with a XXXX XXXX rep and was denied a loan ... Please be advised that I will continue to use ant ans every platform available in resolving this matter ...
This complaint is in reference to a personal checking account that was opened during the year of XXXX. The account is currently closed. 

Approximately around early XX/XX/XXXX, I made an in person inquiry to a branch in XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) to request a document that indicated a series of Cashier 's Checks were purchased and paid via my personal checking account. The payee was ( XXXX XXXX ) I spoke to a banker in the customer service area and explained how critical and important it was to receive the retrieval of these Cashier 's Checks since my mother is a plaintiff for a lawsuit related to an illegal foreclosure. I explained the narrative of the case and advised there is a scheduled court trial in early XX/XX/XXXX.I left copies of all the Cashier 's Checks and they assured me I will receive this information by mail. I have not received anything by mail or a call from the branch thereafter. I called customer service and walked into the branch, yet they did n't have any information since this was forwarded to a different department within the bank..The defendant in the case is claiming these checks were never received nor paid to. It is imperative I receive these documents to present to court in a few weeks. Up to now, I have had a very challenging experience in retrieving them from Bank Of America. I have attached all copies of these Cashier 's Checks for your review.
The XXXX medical collection items date back at least XXXXfive years and may even be an illegal attempt to collect a bankruptcy debt, again. These VERY small debts {$20.00}, {$20.00}, & {$40.00} were paid directly with the creditor after appropriate corrections were made. Any outstanding debt is absurd since I 've paid, on a timely basis over {$10000.00} in other medical debts since 2011 alone.
Report Number : XXXX On XXXX XXXX I pulled my Experian credit report from the annual credit report site and discovered I have a a unverified accounts from the following companies : XXXX XXXX XXXX # XXXX This account I have never done business with this company error please delete. 
XXXX XXXX XXXX # XXXX No record of this account never validated please delete. 
XXXX # XXXX Please Delete no record found. 
XXXX # XXXX The account not verified please delete. 
XXXX XXXX XXXX XXXX This account is a XXXX XXXX violation please delete. 
XXXX XXXX XXXX XXXX, # XXXX, # XXXX Thess accounts has never been verified error please delete. 
XXXX XXXX XXXX XXXX Never done busines with this company please delete. 
XXXX XXXX - XXXX XXXX {$2200.00}. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt they purport I owe. I request that these companies Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that these companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
XXXX XXXX XXXXXXXX XXXX is reporting a late payment on my credit reports. I have never paid late. When I ask XXXX XXXX to let me know what month I have paid them late, so I can investigate this, they have no record. 

I called in on XX/XX/XXXX and spoke with a representative who said, I had to provide this information to them. I told the Gentleman I had no history of paying my account late, please let me know what month you are stating I paid late. 

The Gentleman could not tell me the dates from what they were reporting. I don't know how to correct this issue when I have tried, however XXXX XXXX will not remove the payment history on XXXX XXXX XXXXXXXX XXXX account # XXXX that is reporting over 120 days past due. 

I have attached a copy of a notice from XXXX XXXX XXXXXXXX XXXX   and a copy of my current credit report, which shows how this account is reporting the Over 120 days past due, but does not list the dates of this late.
XXXX   improperly billed for an incomplete improperly installed HVAC home improvement project. The project financed remains incomplete, does not comply with state and local codes, is unsafe as installed and in dispute. No payments have been made on the account. Billing began in XX/XX/XXXX , with the subsequent three months showing 30-60-90 days late payment. In   XXXX     XXXX  finally issued a statement ( due XX/XX/XXXX ) showing no amount due and no late payments. The XX/XX/XXXX  statement was sent to all   XXXX   credit reporting agencies to dispute 90 day late account report. Result of investigation from all  XXXX  credit reporting agencies (  XXXX ,  XXXX  and Experian ) was to remove the single 90 day late for  XX/XX/XXXX from credit report and not remove the 30 and 60 days late for   XXXX   and  XX/XX/XXXX  on the credit report. This is incorrect as all billing,  XXXX ,  XXXX ,  XXXX ,  XXXX  was and remains premature and statements from  XXXX  forward now show  XXXX  due and  XXXX  past due .
I received a call from a  XXXX   XXXX   XXXX   XXXX  from Premier Portfolio Group regarding some unknown debt.
I previously had my federal loans with Great Lakes and was on a income-based repayment plan and XXXX  repayment forgiveness plan. In XXXX I was switched to forbarence without my knowledge and understanding and was not switched back until XXXX missing out on 3 years of repayments which I could have made and contributing to the total 10 years required before my federal loans are forgiven. Great Lakes refused to help or remedy their error. My loans are now with Fed XXXX XXXX who cant or wont help me. The 3 years I missed out are now going to be when I am done with training which will be substantially higher payments than I would have otherwise paid.
I paid my XXXX XXXXXXXX ( XXXX XXXX ) credit card bill on XX/XX/2018 via XXXX XXXX  XXXX online billpay. The amount of the payment was {$4400.00} and XXXX XXXX XXXXXXXX debited my checking account for that amount. When I got my next statement from XXXX XXXX it showed no payment on XX/XX/XXXX and a late fee. When I contacted XXXX XXXX XXXXXXXX they confirmed they had sent the payment electronically and did a conference call with me and XXXX XXXX to provide them with proof ( including Electronic File Trace Number ) of the payment. The XXXX XXXX customer service associate was not helpful in resolving the matter and we asked to speak with her supervisor. When her supervisor came on the line ( after we were on hold for several minutes ) she spoke very briefly and then hung up on us. XXXX XXXXXXXX XXXX faxed proof of the Electronic Payment to the number provided by the customer service associate. I also sent this documentation to them via secure online messaging on the XXXX XXXX website. I received a letter from them this week that they didn't have all of the information they needed and announced " our investigation has concluded. '' I sent another letter to them today.
I paid off my XXXX  card in XX/XX/XXXX with tax return money. I called their number, got the balance and sent the payment. After I called, XXXX added a {$4.00} interest fee. I thought the card was paid off. I did not make any other payment to XXXX as I thought I had paid off the card. In the meantime they started charging late fees in amounts more than what the actual unpaid interest was. Once I realized what was happening I contacted the company and asked them to fix the fees and I would pay the {$4.00} I missed, which I paid. They refused to remove the fees and have since charged more and more fees and interest bringing the current balance on the card to {$110.00} as of XX/XX/18. That's all interest and fees on a {$4.00} interest charge that went through after I paid the card off. I have since paid them {$5.00} ( I thought that was the fee but it was actually {$4.00} ) I cancelled the card in XX/XX/XXXX and they are continue to add late charges to a closed account. I do not understand how a bill in an actual amount of {$4.00} can now be {$110.00} in interest and fees. It's crazy. I do not want to pay them any more. I have closed my account and they are still charging fees. Please help!
This business was contacting me regarding an old debt from XXXX XXXX. I had communication with them in XXXX regarding the account and was told it was perged and would not be reporting. I think got XXXX XXXX to delete it. Now in XXXX they reported to all three credit bureaus and have prevented me from getting a mortgage I worked the last year and a half for. I 've tried to contact them but every employee tells me something different. They call my work, my parents house ... It is basically ruining my life.
I received the attached Notice of Unpaid Tolls and Penalties from XXXX XXXX XXXX XXXX XXXX in the mail on XX/XX/XXXX and XX/XX/XXXX. I did not receive an Initial Toll Violation notice from the XXXX XXXX XXXX for XXXX violation. I called the LGBS number onXX/XX/XXXX and  spoke with XXXX. I explained that I had not received an Initial Toll Violation notice from the XXXX XXXX XXXX for this violation. He stated the original toll notice was returned on XX/XX/XXXX and that the address was XXXX XXXX instead of XXXX XXXX. This explanation does not make sense as the US Postal Service delivers mail to my townhome community regardless of the Unit or Apartment designation. I have paid previous XXXX XXXX XXXX violations received at my same address and subsequently opened an account with XXXX XXXX XXXX.
I have tried to fix these problems cred it bureau- My lawye r and I are getting ready to file a lawsuit.     Please remove these inquiry from from my credit   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   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   someone else tried to get a car in my name and all these inquiry popped up i have called numerous of times the companie tell me to contact bureau and bureau tell me to contact company Judgement case number  XXXX  amount  XXXX  - this account has been paid in full.     These items were deleted and reappeared - Also these accounts are closed!!!! please remove. Balance is  XXXX  ON ALL OF THESE ACCOUNTS   XXXX   XXXX   XXXX   XXXX  -    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  This is my last time before I sue all  XXXX  credit bureau
I was contacted by Debt Recovery Solutions for a medical bill that was n't mine. I received multiple letters and I 've contacted them multiple times to get this to stop. They told me that I went to the doctor with NO insurance and got treated. That 's a. Lie in itself completely. I 've always had XXXX, XXXX, and XXXX. They would send me any verification that the medical office that they are claiming I went to was paid. I 've checked my insurance records and no where in that time fram was my insurance number ran matching the clinic. I called them informing them of that information.. I was told that they could n't do anything about it. I tried to dispute it at that time and they rejected it saying that it was verified by the clinic but not by my insurance company so it makes it legally to report it. Please help me get this off.
1 ) I have a mortgage for a Rental property with MR. COOPER fka Nationstar 2 ) I was paying my mortgage religiously every month. 
3 ) Last month they increase the mortgage amount for more than {$400.00} dollars. I call questioning that they claim that was do it to raise in property taxes and also raise in Property Insurance. The property taxes claim is not accurate, for the contrary the taxes in the property have been reduce. In reference to the Property Insurance, it went up only {$200.00} in this amount if distribute on 12 months will be only {$17.00} more in the mortgage per month. 
4 ) I call them last month XX/XX/17, express my concern and they refuse to review the situation, instead try to convince me into refinance, with the inconvenience for me that the refinance will represent an extra $ XXXX in debts for me. 
5 ) I mailed to them the check for the amount that I understand should be my monthly mortgage as per them the check was returned. I do not received back. I was under the impression that they were working to resolve the situation, WRONG.

6 ) Yesterday, I try to log into the company website to pay my mortgage online, I was not able to, I do n't know if that was done in purpose. Then, I called and try to pay the amount I understand is my obligation, the system do not allow me to, they are demanding the full a amount and claiming that they do not cash the previous check. 
I desperate need some help with this matter, due to this action my credit will be ruined, I can lose that property which represent my life time saving and my health can be affected ( could not sleep the whole night yesterday ). I have a medical condition ( XXXX ). 
Please help me to resolve this situation. 
Thanks.
Derogatory information from the company XXXX  XXXX continues to be on all 3 credit reports. This debt has not been validated and keeps being reported on report since XX/XX/2015, I have repeatedly disputed this account and credit agencys only response is this is a accurate account.
Complaint against ; Riverwalk Debt Solutions XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX AND XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX REFERENCE # : XXXX TOTAL BALANCE : {$680.00} Dear Sir/Madam, I had a student loan in default and Riverwalk Debt Solutions contacted me that they could help me refinance it. I agreed and the terms were that I pay a monthly fee of about {$120.00} for a period of nine months and they would help me pay a minimal fee which was income-based. I made about XXXX payments and could n't afford it anymore because I was n't working. During the remaining months, I received no correspondence from them afterwards and the loan refinance was never started. A couple of months later, XXXX decided to help me refinance, which they were able to and I stuck with them. 
Now I have a bill from XXXX XXXX XXXX that I still owe Riverwalk Debt Solutions for the remaining months that I did n't pay before they started. Their argument is that even though they were not able to help me refinance my student, I still owe them because it was a contract. I feel scammed now and would need some form of assistance about how to deal with it. 
Thanks and looking forward to hearing from your office. 
Yours truly,
I have a mortgage loan with citizens one. XX/XX/XXXX to XX/XX/XXXX. In XXXX of XXXX citizens one charged us a bankruptcy and foreclosure fee. We were current with R I Housing hardest hit home fund. My escrow payments increased significantly since we been paying our mortgage ourselves since XX/XX/XXXX. I asked for a statement and citizens charged us and can see the charge for B/R and F/C. We were under the hardest hit home at the time. I contacted citizens several times and they ca n't explain what this fee is for snd why I was charged. On XXXX/XXXX/XXXX there is a fee of XXXX for misc. B/R and F/C fees. This has caused a shortage in my escrow. We do n't owe these fees this is a mistake on their part that they refuse to correct.