WillisBack/dataset-financial-user-claim huggingface dataset:
My account has been delinquent for 90-120 days. I was working with them to make arrangements on my account - between Kohls collections department, an outside collections agency, and customer service in the XXXX I have no idea who was helping me when because nobody ever identified where I was actually calling, I was constantly rerouted all over the world. I spoke with a woman several times to try and negotiate a settlement, in our last conversation she recommended that I bring the account current and stated it would get the account out of collections, and Kohls would remove the late fees they charged on the account. I ended up making the payment on XX/XX/XXXX to bring the account current - and so far Kohl 's hasn't removed any of the late fees. I spoke with three people ( maybe in the XXXX? ) ... two people on XX/XX/XXXX and one person on XX/XX/XXXX. All of them said that it would be updated to the credit bureaus, all of them gave me different dates in which that would happen. The last person I spoke with on XX/XX/XXXX said that the credit bureaus were updated as of XX/XX/XXXX, and it's up to them how quickly they update my report and I would have to call them. So I called XXXX XXXX and asked why it hasn't been updated and they said that Kohls has not updated the bureaus and I would have to call them to get them to update the bureau. So I called Kohls AGAIN today XX/XX/XXXX - I talked to a woman for 1 minute and quickly requested a supervisor - she put me on hold for 8 minutes, I could hear her typing and talking in the background and I kept saying " hello '' and she wouldn't respond. I hung up and called back. Another woman answered, I explained the situation to her and how I was waiting on hold for almost 10 minutes. She gave me so many different reasons as to why the bureaus haven't been updated and when they would be updated and how they would be updated, contradicting herself with every sentence. 30 minutes into the phone call I learned that I was talking to Kohls customer service in the XXXX! She then transferred me to Kohls collection department where I spoke with a guy about the status of my account. He confirmed the account is current and couldn't tell me if it's been updated on the bureau yet or when exactly it would be updated, just that they " update sometime each month ''. I also asked why the late fees haven't been removed yet, he said that he doesn't know why and doesn't see that was offered in the notes - so I requested he go back and listen to the recordings because it was offered and I did pay the past due so the late fees need to be removed.
I have an auto loan with Santander Consumer USA. My loan is nearing maturity and will be paid off XXXX XXXX. I setup autopay online so that my payments are automatically deducted from my checking account each month. When I set up autopay, I saw my maturity date was XXXX XXXX and the last payment was approximately {$180.00}. My regular payments are {$390.00} each month. I logged into my account today and the last payment has changed to {$350.00}. I was never notified by Santander about a rate increase or any adjustments being made to my interest or payments. I would like to know why my last payment has increased. If this is a mistake, then I would like for Santander to adjust my account to reflect my true balance.
This whole problem started when I had XXXX XXXX. My job was with them I paid them and when I least imagined I was with BANK OF AMERICA I was in arrangements with them when it appeared that it was no longer BANK OF AMERICA had  changed to XXXX XXXX XXXX 
I communicated with them and they sent me to XXXX. They have made fun of me all these years, they send me letters that I qualify for a modification, they ask me for documents, I send them to them and they spend months and I call and call and they tell me that it is in process. After several months they send me letters saying that the bank does not want to participate. I call them again to send some payment while they fix the problem and they tell me that they can not receive any payment until the modification is made.I have hired lawyers and lost a lot of money and do not want to participate. Then they come back and send me another letter that I now qualify and so I've filled hundreds of applications and it's always the same. So they keep playing with my feelings all the time.
I changed primary bank accounts and was trying to update my automatic billing with Central Mortgage Company from the old account to the new account. There is no information about how to do this on their website ( there is almost no information on their website ). I tried calling their phone number and it was hard to every reach a person - there is no operator and automatic call system does n't cover automatic billing changes. Eventually, it took over 55 minutes to on hold to reach a person. That person told me to send my request along with my new bank account information over the " contact us '' form on their website. I was concerned because it did n't seem secure, but I did it any way. Central Mortgage Company never changed my automatic billing information, and the next month, my old account was overdrawn when the company charged for my mortgage. I called Central Mortgage Company again, and after 35 minutes on hold, I talked to a rude employee who emailed me a change of information for automatic billing. Because there is no easy way to be in contact with this company, I have no way of knowing if they will change my billing information or simply overdraft my old account again.
Lost {$160.00} from the transaction I sent needed it refunded to my fianc he gave me the money for this transfer and the company wo n't refund us
The vehicle loan with XXXX XXXX XXXX/XXXX XXXX was wrongfully repossessed in XXXX 2016. The lien holder of the vehicle failed to fix electrical problems with the car. Instead of fixing the car, The car was repossessed and sold in auction. The amount the car sold for and what I owe is completely wrong. The charge off balance of the car is now reporting {$11000.00} dollars on my credit report. This is absolutely wrong.
There is a collection on my Equifax credit report that belongs to someone else with the same last name. The collection agency did acknowledge that this was not mine and they filed to have it removed. Equifax still shows it. I contacted Equifax and disputed this and their investigation came back that this belong to me even though I gave them a copy of the email from the collection agency acknowledging that it was not mine and that they were trying to remove it. Bottom line I 'm stuck between a collection agency that says they followed the process to have it removed and do n't know what else they can do, and Equifax that can only accept disputes and their investigation comes back wrong. I am frustrated.
I had XXXX Bitcoins stored in a Wallet at Coinbase. On XX/XX/XXXX all my Bitcoins were transferred from my account. The transaction history on Coinbase says that money were " sent to Coinbase '' without further explanation. Coinbase does not offer phone support for transactions and asks their customers to create an support case via their web gui. Ive created several but they get closed without explanation.
On   XXXX   XXXX   , 2017, I at tempted to pay o ff one of my two cons olidated loans serviced by  Navient. Navient  's web site makes it impossible to designate my payment to  one of m  y two lo ans. It automatically selects a loan and I want to pay off the other  one.  As a result, I have to mail my payment. Mailing increases the interest I will have to pay to  Navient  because I can not pay it off immediately and Navient will charge me interest during the delay. In addition, it is nearly impossible to obtain information on their web site regarding pay off methods. Indeed, there is no option in the payment section to pay off a loan. It is clear that they want to make it very difficult to pay off a loan early in order to discourage pay offs.  <P/> This is the second issue I have had with Navient - several years ago they changed my payment amount, which would have extended my repayment duration, without authorization or notice - until the new payment amount was deducted automatically.  <P/>  Navient  is not borrower-friendly and this is a detriment because these are student loans, which are effectively required to attend college or graduate school and lenders and servicers can not be chosen as they can for mortgage or other lenders.
I have disputed this with Experian twice now, the account that is on my credit report was my father 's account and I was only an authorized signer. My dad filed bankruptcy and that account was signed off in that bankruptcy. There is no proof that I was anything but an authorized signer on the account.
I have sent multiple request to  XXXX  asking them to validate this account. This vehicle was sold and the balance that they are reporting is inaccurate. The account with  XXXX  has been closed. Per FCRA I asked them to provide me with contract and the bill of sale. The vehicle was sold at an auction. After multiple attemps they refuse to provide me with anything but bogus statements. I contacted the creditor bureas and they to have ignored my request. The only thing they did was update the account to say accounts meets FCRA requirements, since they have made such a bold statement I asked them to provide me with the documentation and information they used to determine this account meets FCRA requriements. My request was very specific but to date still no response. My credit is suffering because of this inaccurate account.
I've been requesting since last year verification & validation, according to the FCRA. This company has been given Section 623 letters of the FCRA and have refused to provide me with any physical proof regarding this account. I informed them that the original creditor is not XXXX  accredited, their business can't be found through CFPB website, they have no website or email address, they don't give information over the phone, and they don't have any contract between them and myself ... That being stated, why is this on my report?! I don't even know who the heck these people are!
Collection agency called me at work and my cell phone in an attempt to collect a debt. When I asked them not to contact me at work as it is prohibited, they told me they would continue to do so. They have my cell phone number and can contact me via that method. The representative said then threatened to put this on my credit, to which I stated it already was by another collection agency. They wanted me to set up payment arrangements for this debt, I said I could not do anything at this time. They said they would mark it down as a refusal and hung up on me giving me no options to make any arrangements in the future.
For the last 4 months I have been asking Experian and XXXX to verify accounts that were placed on my credit along with names and invalid SSN number s however they only update the accounts without sending me proof of how the accounts were verified. When I spoke with Experian on the phone they refused to listen to me and stated that I can no longer dispute the accounts because they were verified but when asked how they become agitated. On XXXX XXXX, I contacted XXXX and the supervisor of the fraud department became argumentative and hung up in my face. According to the FRCA if the accounts can not be verified they have to removed and this process has been going on for 4 months. Thanks, XXXX XXXX.
XXXX XXXX is claiming {$130.00} owed for auto insurance on a policy that was cancelled and paid, with a XXXX balance. XXXX XXXX was dropped by me due to my finding a more suitable insurance carrier. I personally cancelled the homeowners and bundled auto insurance. XXXX XXXX charged me {$1200.00} for home owners insurance and XXXX monthly for automobile. When I switched insurance carriers, my premium was now {$510.00} for homeowners and {$60.00} monthly for automobile. Significantly lowering my bills. Which by the way, I repeatedly requested XXXX XXXX contact me directly and explain why my premium was so high. XXXX XXXX failed to contact me for over 4 months, thus resulting in me seeking a more suitable insurance carrier. Additionally my escrow was significantly lowered as a result. I can prove and have sent in my payment history to XXXX XXXX, yet in retaliation of being cancelled, XXXX XXXX sends this {$130.00} to collections in an attempt to ruin my credit.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
On my transunion credit report it doesn't show my XXXX limit as XXXX $ but it instead it shows my old limit. i have a XXXX and XXXX XXXX credit card which i cant see on my report.
Equifax is repeatedly falsely verifying inaccurate late payment information regarding XXXX XXXX XXXX XXXX on my credit file. 

I have been complaining to Equifax and the CFPB about this matter for almost a year, but nothing has been done. 

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

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

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

I was informed by XXXX XXXX XXXX XXXX that no one from Equifax has contacted them regarding these inaccurate past late pay disputes. 

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.
I had been trying to get a copy of my credit report from Equifax Reporting Agency for over a year. I placed a fraud alert with the other credit reporting agencies after I became a victim of identity theft. I also created an Identity Theft Report with the Federal Trade Commission. On XXXX, I placed a dispute investigation online with Equifax which enabled me to finally see a copy of my Equifax credit report. I noticed that Equifax has been sending copies of my credit to an incorrect address and they have a couple of addresses listed as belonging to me that are also incorrect. I updated the correct information and placed a statement on my credit report. Today, I got an email from Equifax saying that they corrected my report but Equifax still has the same incorrect information. My address is not XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. I have never live in XXXX, XXXX or XXXX, XXXX or XXXX. I do not use my initials or my middle name as my first name. I sent all the information showing this and Equifax has been sending my information to the wrong address. I am also requesting a seven year fraud alert to be placed on all of my credit reports since my personal information has been going to another address for years. My correct mailing address is : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX.
I purchased a computer through XXXX on XXXX 2014 for {$680.00} with no interest for XXXX month through GE Financing. The first payment for {$36.00} made to bring the balance down to {$650.00}, after that I made arrangement with my bank to send {$50.00} a month on the XXXX part of each month, after XXXX month I checked a statement for the fist time, my balance instead {$150.00} it was {$240.00}, I called customer service and ask them why? they said those are late charges, because the payments were due beginning of each month but we have received them few days late and you were {$35.00} late charged every month, I told them I did not know otherwise I would have send them long before due date as I do it for my car and house payments almost XXXX month earlier, you have received payments regularly every month at a same time and also you were payed more than a XXXX, also I paid off the whole amount in XXXX year, but the logic was not acceptable to them. At the end of our argument I suggested {$70.00} to settle the case down ( punish myself for trusting them ) but it was not accepted instead they ask for {$200.00} and I did not accept it either, I believe they are a rip off. Please let me know what my legal actions are? sincerely.
XXXX  XXXX credit card company reported my payment 30 days late they also stated that i did not make a payment in XXXX which is incorrect i submitted my bank statement along with a disrupt letter to the company
Equifax has mishandled my credit information putting myself and millions of others at risk. They have flagged me as a potential victim according to their equifaxsecurity2017.com website, and I would like a resolution to this problem. Equifax knew about this issue and waited days before making it public, putting my personal finances and those of others at risk.
On XX/XX/2018 I noticed that my credit score with Transunion dropped by 76 points over night! I contend that this is not only arbitrary, but also credit  discrimination. I also noticed the numerous inaccurate information and account claims on my report which I immediately requested that same be investigated. 
How can my score dropped 76 points overnight when I consistently pay my creditors? 
I contend that this tremendous drop in score is discriminatory, unfair, and bias! 
I am requesting an investigation immediately and a resolution of this grave infraction to my credit welfare and health! 
In addition, I noticed my credit score dropped by 27 points with XXXX. I contend that this is also arbitrary and discriminatory. I am asking that same be investigated as well. 

Sincerely, XXXX XXXX XXXX
This complaint is in regards to the unethical business practices in which XXXX XXXX NMLS # XXXX with M & T Bank endured on me. I am a XXXX-year-old citizen and was trying to buy my first home with a FHA 3.5 % loan. After listening and trusting in the loan originator mentioned above, I felt I can trust her and the bank at hand. After 2 months of phone and emails, we finally decided to move forward with the loan process. She mentioned to me that to move forward, I need to have the appraisal done first to START the application. I asked her why would I pay for something upfront if I do not know if I am going to get accepted for the loan first ...? I then asked if I get charged for the appraisal and get denied, will I get my money returned, and she said yes. I read the fine print as well, and it did mention I can get a refund if denied the loan during process. So, trusting her since this is my first time, I said okay, let 's go forward. NOW, I am stuck with a {$930.00} appraisal fee ( with no appraisal document ) with a loan that I was denied. I was baffled on how fast she turned over the tables and said that I need 25 % down for the loan to proceed or I will get denied. I said WHAT! I was under the influence of her telling me that everything is good, then went from {$3500.00} down payment to {$25000.00}. All my paper work went through for a FHA loan, not a conventional, and then I received a letter on XXXX XXXX, 2017 stating that I was denied but with no reason for why I was denied the loan. And I am also stuck with the {$930.00} appraisal fee which they refuse to credit back, again, with no valid reason which was done on the XXXX. The appraisal was done on XXXX XXXX, 2017 and the way that I found out was through my broker who called me the same to tell me the appraiser finished. I said oh wow, because I had no knowledge of when he was going to meet with my broker, which all happened in one day, in which THEY contacted my broker without my knowledge. 

So, the appraisal was done on the XXXX, I was denied on the XXXX and asked to put {$25000.00} instead or we can not go through with the loan. I still have not received a valid reason for being denied and still have a charge of {$930.00} on my credit card. This was a clear indication that the loan originator was all along trying to get the most money out of me by deceiving me from the beginning. Then I reached out to several numbers to get some help and all the calls with M & T Bank employees were just brushing me off. I also spoke with XXXX XXXX, VP of Administration for M & T Bank, her boss, and it has been over 3 weeks and several voice messages and no results. I feel I have been robbed of the opportunity to buy my first home and of {$930.00} for a service I can not use with M & T Bank unethical business practices. Currently, I am still waiting for a call or feedback and no luck. Why would they do this to a XXXX-year-old for?!? I wish I had help ... ...
This item on my Credit Report referred to by the Collection Agency, Diversified Consultants had already been removed from my credit report back in XXXX due to the original creditor not being able to provide a signed contract or payment history as proof that this debt belongs to me. 

Now I see it has been reported to the credit bureaus again even though it had previously been removed from all three credit reports. 

Why is this item once again listed on my credit report?
Portfolio Recovery is a junk debt buyer XXXX XXXX ) which means they are a company, party, or agency that buys charged off debt for pennies on the dollar. They have placed collections for 2 accounts on my CR and are skirting the FDCPA by reporting as a factoring company and this is misrepresentation! Factoring companies are companies that buy accounts in good standing and take over as the OC of the account. I have never had a contract with PRA! Case law has established that when a party purchases a delinquent debt, they are considered a debt collector, and thus subject to the FDCPA! 

I request that Portfolio Recovery verify the following information. 
1. Full original Account Number ( XXXX ) 2. Date XXXX s XXXX original Account XXXX XXXX ) were opened3. Any written agreements between myself and the original creditor stating this debt is owed4. Full account summary and itemized calculation of alleged debt5. Date of the first delinquency6. Dates and times of any communication made to me before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If Portfolio Recovery is unable to provide the above identifying account information, this account must be deleted from all CRAs immediately and not sold to any other debt collector.