WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted the credit reporting agency Lexis Nexus to at a security freeze to my report with the company I provided all the information by mail, Fax and Phone they haven't provided me with any information that my report has been locked of that the security freeze has been placed on my credit file with there company.
Synchrony bank/Walmart is reporting XXXX different accounts on my credit report, XXXX of which does not belong to me. XXXX account number is listed as XXXX on my credit report, and shows that it was opened XX/XX/2010. The correct account that belongs to me was opened XX/XX/2010 and the account number is XXXX. I disputed this with all XXXX credit bureaus, and nothing was changed. Furthermore, how could I open an account in XX/XX/2010, and turn around and open a new account in XX/XX/2010 when I already had an account?!
i wrote Transunion about an error on my credit report causing an alarming increase in a rate quote for a mortgage I need.   Transunion wrote me and said they could not verify my identification, so I called them and cleared that up. They said they would look into my issue and let me know what they find.   My loan officer pulled my report yesterday and it is still there, Transunion has done nothing.   Note ; the other credit bureau wrote me and agreed with me, they deleted it.
unable to open a bank account. because other banks put a block on my name so it make hard for me to obtain a another account in my name. Especially BOA say I'm blocked for life not sure what that is. I haven't done any thing wrong is not fair these bank are blocking me for no reason. thank you very much.
Starting on XX/XX/2018 until XX/XX/2018 I have sent three letters to XXXX, XXXX  and Experian and ALL three have yet to provide me the information as requested. Here is a simplified sample letter in regards to my request. 

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > Not Proven Compliant Account -- >
On XX/XX/XXXX I got served papers from Lloyd and McDaniels. So I worked out a 50 month payment which I have paid faithfully on this and today got a lein notice of which I have no real property in this county and it was sent XX/XX/XXXX and issued XX/XX/XXXX
Ad Astra Recovery Services continues to try and collect a debt that I do not owe them. I would like for them to verify that I owe them ( Ad Astra Recovery Services ) and if they can not provide proof then I would like for them to stop reporting to the Bureaus and close the account!
Purchased a XXXX XXXX bed on XXXX/XXXX/15. Purchase price was {$6900.00}. As part of the transaction, I agreed to 36 months of interest free financing with Synchrony Financial. Because of sales for the product XXXX, XXXX XXXX agreed to reduce the balance to {$5800.00}. Got my first statement for the Synchrony account today and the balance due is {$8800.00}, way more than I agreed to pay when I purchased the bed 30 days ago. I 've reached out to Synchrony and XXXX XXXX with little success.
I am a XXXX veteran. I had fallen and I told the ambulance driver to take me to VA hospital, they said no they will kill you there. I have spoken to XXXX. XXXX they were supposed to have this taken off. I have been unable to get Experian to take it off. I have a company who bought my lien from XXXX. That was supposed to have been taken care of when I filed bankruptcy XX/XX/XXXX. I have been trying to keep my house from foreclosure. XXXX a company I had never heard of sent me a certified letter telling me I had 6 days to come up with XXXX for a XXXX. Loan I had been making payments since XX/XX/XXXX. I am going to close on XXXX XXXX. My interest is at 11 % I had paid my XXXX mortgage XX/XX/XXXX they never contacted me. I have been ripped off by attorneys, XXXX that tried putting me through another chapter XXXX, XXXX kept XXXX. The other was through legal aid. XXXX XXXX XXXX a month after 4 month 's told me they did n't have jurisdiction in Texas took 3 months to get my money back. XXXX took XXXX a month for 6 -7 month 's, told me that they could n't help after telling me lies. I have not received my money or anything showing what they did for me. I never went through bankruptcy but they say it will stay on my credit report for 7 years. My credit score has cost me XXXX and I do n't know why they are able to destroy you. Why was XXXX never on my credit report, why did I just have 6 days to keep my house.
My spouse received a debt notice from U.S. Collections West, Inc. ( in AZ ) for early termination of her lease. She did not respond, which led to her wages being garnished. She assumes full responsibility and since the initial garnishment, we have been trying to stay in contact with the collections agency. My spouse has spoken with the agency and provided her consent for me to be able to speak on her behalf. We first worked with XXXX and set up a plan, so that we could make payments without a second garnishment ( legal action ). After a while, XXXX stopped returning phone calls. The garnishment ceased for a few paychecks, then continued. I finally got a hold of XXXX, only to be told that my spouse 's case had been transferred to another person, XXXX, who is a supervisor. I spoke with XXXX once and discussed a plan going forward. To this day, we have left her 5-6 voicemail messages and have not received a return call. Since speaking to XXXX, our address has changed so there could be notices being mailed ; however, we have not received anything. I can not update the address on file if no one is calling me back. Per my last conversation with XXXX, she was supposed to contact XXXX ( the company that handles payroll for my spouse 's job ), in order to confirm if my spouse 's garnishment had been satisfied. From there, she needed my spouse to sign documentation for a payment plan, so that there would not be another garnishment. We can not proactively get ahead of a XXXX garnishment if the collection agency refuses to talk to us. My last conversation with XXXX was on XXXX/XXXX/17, since then I have left her 6 messages, none of which have been returned. Also, my spouse has received some sort of notice in the mail stating that she will be garnished for 2 more payments of approximately {$120.00}. We need to understand why, if that is a part of the previous garnishment, if it is a new garnishment, etc. We need answers. From our understanding, this was a 2 part garnishment. We understand that the first part is currently in process ; however, we are attempting to work with this agency to prevent the second part of the garnishment.
Home Depot intimidates its customers by threatening to lower their credit limit and/or close their credit card accounts if they do not purchase HD items on their HD credit card. Prior to my credit limit being lowered, HD had sent at least one mailing ( maybe two ) that said I needed to buy something using my HD credit card if I did n't want my credit lowered or my card cancelled. I did what the mailing ( s ) said, paid on time, never went anywhere near credit limit -- yet HD cut my credit limit in half. 

Home Depot unfairly lowered my credit limit from {$5000.00} to {$2500.00} ( via CBNA, XXXX. XXXX XXXX XXXX XXXX, SD XXXX ) and reported that action to the credit bureaus, which in turn lowered my credit score from XXXX on XXXX XXXX, 2016, to XXXX on XXXX XXXX, 2016. Having less available credit has continued to lower my credit score anytime I use my credit cards, because credit scores are based on credit used versus credit available.
IN REGARDS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.

I HAVE HAD AN ON GOING ISSUE WITH EQUIFAX NOT DELETING ITEMS OFF MY REPORT ONCE THEY SAY THEY ARE GOING TO THE DELETE THEM AND THEN THERE STILL CURRENTLY REPORTING ON MY CREDIT REPORT. THIS IS HIGHLY UPSETTING ME AND I DONT KNOW WHERE TO TUEN BUT TO YOU GUYS FOR HELP. MY CURRENT ISSUE IS THAT THEY ARE REPORTING A XXXX STUDENT LOAN ACCOUNT THATS NOT EVEN MINES. I HAVE NOT DONE BUSINESS WITH XXXX NOR HAVE I HAD A LOAN WITH THEM AND EQUIFAX REFUSES TO REMOVE THE FRAUDULENT INFORMATION OFF OF MY CREDIT REPORT WHICH IS REALLY HENDERING ME IN A NEGATIVE MANNER. I'VE SENT IN CERTIFIED DISPUTE LETTERS TIME AND TIME AGAIN WITH NO REPSONSE AND OR ANY MAILED BACK RESPONSE UPDATED CREDIT REPORTS INDICATING MY RESULTS.
It's closing on the property that the reverse mortgage company holds the paper on : They have the original stock certificate, and no one seems to know where it is... XXXX ( formerly known as XXXX XXXX ) claims the fault is with their attorney, XXXX XXXX ; their attorney 's office claims it's XXXX XXXX 's fault. ( I've been dealing with the attorney 's paralegals ; calls/efforts made to get to the bottom of things have not been returned with information I'm seeking/our lawyer is seeking. ) The original stock certificate was ordered on XX/XX/XXXX ; the timing in which it's supposed to be " delivered '' to the attorney 's office is one to three weeks. Now, we're going on four. They get no more time. I have no reason to be patient when it's obvious that one one is doing their job ( plus, as I understand it, XXXX  's attorney gets paid by my Mom ; XXXX XXXX passes their attorney 's fees on to the owner ). No one is doing their job ; the incompetency level is unacceptable. This morning, I left a very stern message and request with " XXXX '' ( the paralegal ) at the attorney 's office, requesting a returned phone call from the lawyer/and answers ; nothing/no returned phone call/response. I left a stern message on XXXX 's manager 's machine ( XXXX ) ( I could not reach her ) ; again, no response ; nothing. The buyer for the property has her mortgage approved, the buyer and seller are ready to close ( XXXX/their lawyer knows this ) ; the buyer 's attorney and our attorney want to set a closing date ; I've gotten several phone calls from our lawyer that he's getting the run-around ; again, totally unacceptable ( the seller : my XXXX-year-old Mom ; I have full power of attorney ; I'm her daughter ). 

I have made efforts to keep things moving along smoothly since XXXX ( my original contact at the lawyer 's office, a paralegal, is XXXX ) ; I also made efforts to do the same with XXXX ( f/k/a XXXX XXXX ). My cell phone records will prove the numerous phone calls/efforts made. It never should have gotten to this, where I have to file a formal complaint. They're unprofessional and their incompetency is completely unacceptable. And, as you know, in the end, they all get paid...
I was wondering until now why this account is still showing as late payment XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX I disputed the accounts to the credit bureaus but they did not verify it. This need adjusting. CFPB please make the necessary correction.
XXXXXXXX XXXX placed a collection on my XXXX report over a year ago. I disputed that charge since it was an extremely old dead account which HSBC said was uncollectable. It was taken off my report and thought that was the end of it.

On XX/XX/2018 they placed the same account back on my report as a new debt and refuse to take it off.

It is for {$1000.00} I am constantly receiving threatening/harassing phone calls.
Last XX/XX/XXXX, I faxed Carmax a letter. This is what I wrote to them : " I set off for a business trip in XX/XX/XXXX and my secretary was entrusted with paying my bills. Since she didnt have access to my CarMax account, she used my secondary checking account with XXXX XXXX to setup an online bill pay to pay Carmax.. However, due to a banking error the payments did not get sent.

I returned home the next month and continued make the payments, not knowing that indeed the XX/XX/XXXX payment was skipped. Given that I always make the payment even before the due date, the payment was not 30 days late for several months, until XX/XX/XXXX when I actually paid off the entire balance of the car at the dealership. That is when I found out that the XX/XX/XXXX payment had been missed and I was 30 days late for XX/XX/XXXX There was no reason for me to be late in XX/XX/XXXX, as on XX/XX/XXXX I paid off the entire vehicle. '' Attached to this letter was a proof that the payment should been sent to them on time and that it was a bank error and I it was never my will nor intention to be late. I also sent them a copy of my bank statement to prove that I have more than enough funds on my bank account to pay off the entire car/loan let alone to make a payment. I am so disappointed that Carmax denied my request considering my perfect history with them and that the account was paid off! Their refusal to my humble request is the only thing keeping my lender from offering me my prime financing for my home. This company are taking away a great opportunity for me to give my family a better life.
XXXX agreed to delete account XXXX because it was paid in full XXXX XXXX. XXXX was contacted on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX and on all three occasions I was told by representatives ( XXXX, XXXX ) that they sent a request to XXXX  XXXX XXXX to delete this account XXXX. When I called XXXX XXXX on the dates of XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX I was told that XXXX never sent a request for deletion. XXXX stated they have sent MULTIPLE request to XXXX XXXX XXXX to delete this account that was paid if full but XXXX XXXX still have not deleted this account.
Bankruptcy CHXXXX in XXXX, last payments XXXX XXXX. Had acct XXXX XXXX in XXXX. Paid XXXX XXXX. I do n't remember this but Bankruptcy CR in XXXX XXXX showed another loan opened in XXXX XXXX for {$15000.00}. This XXXX not shown on XXXX XXXX XXXX. Payments were made to XXXX thru the court starting XXXX XXXX with last being XXXX XXXX. This acct not shown on XXXX XXXX XXXX. As of XXXX XXXX a new account appeared delinquent on XXXX from Ditech, opened in " XXXX XXXX '' last pymnt XXXX XXXX, charged off {$10000.00} " reported XXXX XXXX '' meaning they are re aging this as well as claiming the account as theirs. Nothing stating it was in Bankruptcy.
I have been contacting Barclays, who appear on my credit file as BRCLYBANKDE, trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a credit card of some sort. On my XXXX report, there are inquiry date of XX/XX/2018. Neither of these did i authorize or give permission. They are a result of fraud.
I initially made purchases with an understanding that if balances are paid prior to special promotion ends, i would not get interest charges. I have made a total of {$8100.00} in two years with promotional terms along the way. I have paid a total of {$7400.00} which would leave a balance of {$650.00} They have charged me a total of {$4000.00} of interest! that is absolutely unacceptable. I have spoken to an attorney who has gone over every statement and has made sure that the balances that were carried over were all paid prior to promotional terms so they should n't have gotten any interest. I was advised to go through CFPB and get this resolved with merchant prior to filing a lawsuit.
I received an Notification that my credit was Checked by XXXX XXXX on XX/XX/2018. I never gave consent or signed to have my credit pulled. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX
I am trying my hardest to keep this XXXX loan account and not behind - I make payments monthly, unable to always make the full payment as I am also making payments on my other private loan accounts. XXXX is telling me there is NOTHING - NOT ANYTHING they can do to help me out at all with lowering these monthly payments. I have called XXXX of times and spoken to nearly every department and explained my situation and have gotten nowhere. I am told over and over again that because it is a private loan, they ca n't do anything about it. 

From my understanding, XXXX XXXX XXXX actually owns the loan and XXXX is the organization managing it. The loan information all comes from XXXX.
I sent a certified letter to Equifax on XX/XX/2018 To Equifax to send me verification ( contracts and etc. ) from the following accounts, The first time I sent a request they asked me to send a photocopy of my ID, so I did ask asked this time. Then I received a really weird email asking me to opt-in online to receive results. I didn't give out my email to them on the letter I sent. So I'm confused on their process I asked to receive my information by mail. XXXX obviously read my letter and carefully to my concerns into consideration, because I received a letter back from them with items that were removed and information that they were unable to retrieve. 
Collections : XXXX Hard Inquiries -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 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 have provided Experian with a hard copy of an error that XXXX XXXX XXXX agreed to correct. The states that I do not have any 30 late payments on my account. The 30 late payment is reported on my Experian account for XX/XX/XXXX. I have furnished Experian with written proof and they refuse to correct my credit report, this is causing me to not get approved for future credit. XXXX & XXXX   have corrected this error, but Experian refuse to do so. 

XX/XX/XXXX Account Dispute Opened We have opened your Account Dispute The dispute for the account with XXXX XXXX  XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

ALERT DETAILS XX/XX/XXXX Account Dispute Modified Your original Dispute was Modified The dispute for the account with XXXX XXXX  XXXX that starts with XXXX was modified by an Experian Disputes Specialist. If you have provided relevant supporting documentation, you will be notified when a new dispute is opened in light of the additional information you provided. 

ALERT DETAILS XX/XX/XXXX Account Dispute Update We have an update about your Account Dispute The dispute for the account with XXXX XXXX  XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. We will notify you when all of your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate. 

XX/XX/XXXX Account Dispute Opened We have opened your Account Dispute The dispute for the account with XXXX XXXX  XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view.
This dispute has everything to do with Experian and their violating my rights as a consumer. The account in question is with XXXX XXXX account # XXXX. On XXXX I sent a VALIDATION OF DEBT disputing asking to verify its mine in the letter to Experian asking for verification of this debt being mine and validating it by process of providing me with original signatures and documents as it is my consumer right regarding my inaccuracy on my credit report. I did not get it and sent a followup letter on XXXX XXXX again request same information and also asking them to provide signatures and what was their process per the FDCPA. I also pulled credit report and noticed that there was no NOTICE OF DISPUTE LISTED IN COMMENTS both EXPERIAN AND XXXX XXXX FAILED TO COMPLY with FDCPA 809. Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

I guess they didn't care to do comply with for the months of XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX when you can clearly see on the attached documents I have filed disputes with EXPERIAN. *please see attached proof of the experian credit report. 

They account also has mulitple inaccuracies that i have shown which has again violated my consumer rights under the FCRA -Results frojm XX/XX/XXXX report show recent payment amount of 0 yet the balance history shows a payment was made on XX/XX/XXXX of XXXX. How was this payment made? who made this payment? what was method of payment? how were payments made on XX/XX/XXXX/XX/XX/XXXX -PAYMENT HISTORY CHART SHOWS DOFD AS XX/XX/XXXX 30 DAYS PAST DUE that means XX/XX/XXXX the account would be 180 DAYS PAST DUE FOR CHARGE OFF WHY WASNT THIS ACCOUNT CHARGED OFF UNTIL XX/XX/XXXX??? 
-HOW IS THIS CHARGED OFF AND PAST DUE? AND CLOSED? 
-BALANCE UPDATED IN XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX? 
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Repeated phone calls to my employer after he was asked not to call anymore. I have records of every phone call to the office.
I am disputing the agency pinnacle / XXXX XXXX. The collection agency has re-aged my account according to the original creditors date of first delinquency.