WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is against Experian, i first contacted Experian about a report on my credit report from   XXXX   XXXX  , i ask Experian to provide me with me a " copy of any visible evidence bearing my signature '' the date of my first request was  XXXX / XXXX /  XXXX   my second request asking for the same information due that my first request was ignored ...  XXXX / XXXX /  XXXX     XXXX   acct #  XXXX  {$680.00}.   Experian was also asked to include FCR A 623 ( a ) ( c )  : This law is very similar to the FDCPA above it requires the credit bureau to report that you have disputed something on your credit report, after you have contacted them directly. They will need to add the dispute sentence to your credit report.   " customer has disputed something on your credit report '' Experian ignore this request both time ... below the copy of the letter sent to Experian but cert mail with return recite requested ...      XXXX   XXXX   XXXX   XXXX   XXXX  Idaho  XXXX  Experian.     XXXX   XXXX      XXXX  Tx.  XXXX   XXXX / XXXX /  XXXX    XXXX  : Social Security Number  XXXX  To Whom it  May  Concern : I have recently been informed that there is negative information reported by  XXXX    XXXX   XXXX   XXXX      XXXX , OR  XXXX  (  XXXX  )  XXXX  Account  Number  XXXX  ....   I am unaware of this acct. and have disputed two-time without you showing me proof " only hearsay '' Please validate this information with above creditor and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act sectio n 623 ( a ) ( 3 ), and  I am keeping careful record of your actions Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for :  1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue  local to me, in order to formally defend yourself.   My contact information is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX  Idaho  XXXX  SS #  XXXX  Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.    PS FCRA 623 ( a ) ( c ) : This law is very similar to the FDCPA above it requires the credit bureau to report that you have d isputed something on your credit report, after you have contacted them directly. They will need to add the dispute sentence to your credit report.   " customer has disputed something on your credit report ''
I am a co-signer for a student loan through Wells Fargo Bank. We are having trouble making our payment. The bank is making any effort to " restructure '' the loans impossible. We would like to combine them into XXXX loan with a fixed rate. I do n't know what to do. 
The more I look deeper into this, I 'm realizing we were giving bad information by my sons college / financial department. Steered towards Wells Fargo.
I am entitled to an annual credit report from each of three credit bureaus via XXXX but was repeatedly denied all three of them by the XXXX XXXX XXXX XXXX XXXX purportedly due to inexplicable technical and/or other undisclosed reasons. I use XXXX XXXX XXXX and XXXX XXXX.
In XX/XX/XXXX, I attended a XXXX XXXX XXXXL OF XXXX XXXX, XXXX. Prior to graduating, I received employment offers from numerous XXXX XXXX Companies and/or Carriers, who also, offered to tuition reimbursement. I eventually accepted and chose XXXX XXXX XXXX XXXX. 
However, On XX/XX/XXXX, my birthday, another driver exited his vehicle without setting the brakes and his tractor and trailer rolled down and struck my tractor trailer while I was in the sleeper. As a result, I suffered a head and neck injury and underwent 2 steroids injections in my neck. I filed a workers comp, and hours after receiving my steroid injections, XXXX XXXX instructed me to drive to take a New Hire drug screening test. ( although they knew that my doctor instructed for me not to return to work until days later and to not drive and ect. ) The day that I was instructed to return to work from my surgical procedure, XXXX XXXX terminated my employment. ( 2 days later after my injections ) Long story short, I filed with Osha, and XXXX   Workers Comp. XXXX XXXX , XXXX denied my claim for Workers Comp, claiming that XXXX  had jurisdiction over the claim, although I reside in XXXX, the accident happened in and I was a dedicated driver in XXXX. 
XXXX XXXX XXXX XXXX stopped paying for my Student Loan, and now my loan is being reported as a charged off account with credit reporting bureaus. 
Later I confirmed, that XXXX XXXX XXXX XXXX owns XXXX XXXX XXXX , XXXX Pathfinder Credit Services , Inc is not a party to the student loan agreement. 
Pathfinder Credit Services , Inc., is not registered and/or bonded as required by XXXX FINANCE CODE 392.
XXXX XXXX has created a bureaucratic customer service black hole that traps borrowers in a cycle of frustration. As if the near permanent status of indentured servitude to student loans were not oppressive enough. Their first level of representatives have no access to information or power to overcome borrower 's challenges. In addition, their phone system is difficult to hear and leads to many dropped calls. 

I received a letter from XXXX XXXX XXXX on the morning of XX/XX/XXXX that my student loan payment was returned to my checking account. XXXX XXXX had no record of the transaction and confirmed there was sufficient funds. This is the second time in 4 months this occurred. 

This happened previously on XX/XX/XXXX. At that time I made the payment and the direct debit continued successfully for XX/XX/XXXX and XX/XX/XXXX. Now the problem resurfaces in XX/XX/XXXX. 

When I called and voiced my frustration I was hung up on by the second level customer service representative # XXXX. In total, the first 3 representatives I spoke to had no help and continued to blame the wrong cause of this issue, insufficient funds, or push the envelope to someone else.
Nationstar Mortgage charged me a late fee and reported my payment as late illegally. I have a copy of the cancelled check which shows clearly that my check was received before the late payment date. They refused to remove the late payment and if they reported it to credit bureaus then my perfect payment record is marred by this " late payment ''.
TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX DOB XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TEK COLLECT INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TEK COLLECT INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX DOB XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
I have a Macy 's American Express credit card that has never been activated as the sticker is still on the card. My wife was shopping early this year at Macy 's and the clerk was able to charge a {$13.00} dollar dress on that card by using my ssn. In XXXX, I noticed my XXXX score dropped from XXXX to XXXX from another credit card company which shows my score online and tells me the reasons of dropping was due to a serious delinquent account. I requested a credit report immediately and found the Macy 's card was delinquent with over {$70.00} unpaid balance. I called the Macy 's credit department and found my account was enrolled in a paperless statement program which I did not authorized. I explained that I never received any statements and communication about my pass due status and as a result of not having any notifications the initial {$13.00} became {$70.00} due to XXXX late fees and finance charges. The staff on the call was nice and explained the there was a system upgrade and that may have resulted not sending appropriate statements or notices and he waived all late fees. I then paid {$13.00} plus {$4.00} finance charge right way. I told him my score situation and he agreed to check and remove it. As months passed by, I still did not see my delinquent status removed from the credit bureau. I called later and was told it would be taken care of. It never happened. I just checked today and there was no removal of that serious delinquent status from the credit bureau. The card was never activated and a charge was put on by a store clerk. There was not statements sent afterwards and I was put into the paperless program without my consent. My credit score should not be negatively impacted by the errors I did not make. The {$13.00} dollar dress now has caused my score decline from excellent status XXXX XXXX XXXX to fair status ( XXXX ). I was trying to refinance my mortgage and could not get a good rate because of errors made by Macy 's. I request Macy 's to remove the negative info from all reporting credit bureaus and restore my credit rating.
Wells Fargo is claiming our escrow account has a shortage. Our county, local and school taxes did not go up. Actually, our school taxes went down according to Wells Fargo, but I ca n't find the exact amount. Our homeowners insurance increased by {$53.00}. When I add the monthly escrow amounts, we only have a shortage of {$41.00}, but Wells Fargo claims it is a shortage of {$62.00}. I asked customer service to re-do the yearly analysis since it is wrong, and she says they wo n't redo it. They mailed our coupon for XX/XX/2017 and now have us paying a shortage of {$100.00}. I 'm willing to make up the shortage of {$41.00}, but I 'm not willing to pad my escrow account and have an extra {$60.00} for Wells Fargo to use for their interests. My escrow account should balance {$0.00} when Wells Fargo is finished paying our taxes. Wells Fargo makes money on our mortgage, not on our escrow account.
I contacted Experian online but could only obtain my consumer credit score. There was no way to order a printed credit report from them without paying for it, either on-line or by talking to a service representative. I am trying to obtain my FREE yearly credit report, the whole thing, not just the score.
I signed up for a 0 % APR for 12 months offer beginning on XX/XX/XXXX and ending on XX/XX/XXXX. I have retained evidence of the contract in writing. I should also mention that I am a law professor and specialize in contract law, so I am a sophisticated party. Wells Fargo has confirmed these dates as well in writing. However, I was charged interest on XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. This is in breach of my contract and unlawful pursuant to the Federal banking laws. I am due a refund from this bank.
I have a XXXX debt with a hospital in NY state. Due to several other XXXX debts incurred at the same date and time, I was unable to enter into a payment agreement at an amount the hospital requested. They accepted lower monthly payments but stated since they could not create a payment plan for that amount they sent the debt to a collector. Is that allowed even though I have been making payments on the debt to the hospital? 
Also, now that I am able to pay and would like to start a formal payment plan, the hospital staff said they could not since they had sent the debt to a collector, even though they can accept payments on the debt and record it in their billing system. 
The collector has placed a collection record on my credit report, though they do not contact me since in my XXXX contact with them I stated that I was making payments directly to the creditor. Are they allowed to do so? If I pay the debt in full to the creditor, can I have the collection record removed from the credit report since they were never involved with the debt?
Whenever you file a claim it seems as if nothing gets resolved because instead of helping the consumers, it seems that the companies just give whatever kind of answer they want and the case is closed in which it should not be. I have filed several complaints against credit agencies and the answer does n't resolve anything or has nothing to do with the compalint and yet my complaint is closed without addressing the issues or violations that the credit bureaus have violated. I have disputed my information on my credit report either by mail or on the phone and have requested method of verification in writing as to how this information was verified and any documentation associated pertaining to the accounts in disputes. I have also tried to dispute inquiries on my credit report and have had no success in trying to get this information deleted as these inquires were not initiated by me or said companies did not have my permission to pull my credit.. I have disputed public records and I have asked how this information was verified and validated and was told that the courts send this information over to them. This information is not correct as the courts have said they do not give out any information on anyone and the information the credit bureaus are telling is incorrect. I have tried repeatedly to get this information resolved and yet the credit reporting agencies are not doing through investigations and in relation to disputes but rather using an electronic methods to receive and validate information rather than physical documents or a real investigation to limit the damage to one 's credit reports. The representatives from the credit agencies state that they receive public records by using your name and social security number and that 's how they verify the disputes in regards to public records. Anyone can access public records and that does n't mean the information is correct or there are n't errors in the information that is contained in the records. They are not doing their job in verifying and validating information contained in my credit report but rather damage it in regards to negative information that they refuse to investigate or remove. These credit reporting agencies have no way for you to dispute inquiries that you did not authorize or recognize but yet they report this as accurate information and it remains on there for two years.
I had credit card fraud in XXXX. This about the time I received daily calls from XXXX XXXX XXXX XXXX. I also received a call from XXXX XXXX XXXX out of Texas. I returned call twice to ext. no. and left message with no response. I then called hunter and explained that I did not do this purchase. The rep. said it was shipped to XXXX. I live in XXXX. The calls stopped until wed. XX/XX/XXXX. Now I have received 5 calls since. 
Now Hunter sent a bill XXXX XX/XX/XXXX for {$100.00} with interest. I have never heard of this co.. I did not open account or authorize it.
Ive requested a deed in lieu, many times now, however I have only received the run around from Ditech Financial. As a consumer that has tried to keep open communication with the mortgage company, only to get denied responses from Ditech and never a phone call is bad enough, they instead filed a foreclosure on me instead of granting me a deed in lieu. Ditech decided to show me just how much they cared about their customers. Ditech sent a third party vendor to my home, to survey the house, who decided to trespass into my property, steel some of my belongings, vandalize the house, ripped down curtains from the window, winterized my appliances and changed my lock and left a paper. When I called Ditech and asked them what was going on, they told me I was # of days pass due and they needed to see if the home was in broom swept ready condition in order to approve me for a deed in lieu. They also told me I had water damage. Then said they were told by the vendor that the home was vacant. I told them the vendor knew the home was not vacant prior to trespassing and they ripped down my curtains to make the appearance the property was vacant. I told Ditech they knew my place was not vacant because every time I call them they ask me if the home was vacant and I gave them the same answer each time, which is no and that someone is staying there until my deed in lieu is approved. I asked them what reputable company sends a vendor out to their customers home to rip down curtains and destroy property to make thier customers home appear as if it is vacant and steel their belongings? Of course Ditech could not answer that instead they said Im sending an email to XXXX XXXX so they can take the lock lock off of your home so you can get back into your property I asked for the number to call them and was told I could not have thier number they had to call me and they will. Well my conversation with Ditech took place this morning and now it is XXXX and still no call from thier vendor XXXX XXXX. I also asked Ditech for the CEOs email and was told the relationship managers manager would call me back, also no call. Ive never experienced such defamation, fraud and deceitful business practices from any company. Please help this concerned consumer. Im sure Im not the first customer they have done this to.
I disputed the claimed debt of {$1100.00} to Kahrs Law Offices, P.A. on XX/XX/XXXX by informing them that I do n't owe this money. On XX/XX/XXXX, they sent verification claiming that it is valid debt that is past due ; however, this is a time-barred debt because written contracts in the state of KS is five years, and with XXXX, this goes back to XX/XX/XXXX. In other words, this exceeds the statute of limitations for the state of KS ; therefore, I do n't owe this money they are claiming, and I want all collection practices to stop.
a company ENHANCED RECOVERY CO L is reporting a Balance {$1900.00} I have NO CONTRACT with this company and or services
XXXX breach cause my accounts to XXXX up inaccurate information reporting cra violaton please correct and items showing up that are not mine
i had a   XXXX   XXXX   card that had a balance of  XXXX  dollars on it and i have been making payments towards it since last  XX/XX/XXXX  but i have rencelly found out that they have the debt collection places min. payment is  XXXX  dollars whereas i was told it was  XXXX  is there anyway of getting this took care of because they are threatening to take me to court in a state i do n't even live in anymore
Equifax is not allowing me access to my credit report and score even when i purchase it i was signed up with monthly monitoring and i still ca n't access it this is what i get when i order it We are unable to complete your order at this time. Please contact our Customer Care department at XXXX ( XXXX ) 7 days a week between the hours of XXXX - XXXX Eastern Time Zone for immediate assistance. Please record the following information and have it available when you call : Eval Code : - Status Code : FL, Reason Code : NH i call and no one know what that means i do not have no fraud alert or security freeze on account. also other lender who pull report can not access it either.
i have an XXXX XXXX XXXX car loan # XXXX XXXX for {$260.00} monthly and all 3 credit bureaus have removed or blocked from my credit file. I called and they said i disputed is as fraud and I DID NOT. I ASKED TO HAVE IT REPORTING AND THEY SAID THEY COULDN'T. I called the credit union and they said it was a credit bureaus issue. 
I need this back on my credit as it is my account and i need it showing. Please get this fixed by having it report on all 3 bureaus I never filed any fraud dispute with this loan
Received a letter from a collection company XX/XX/XXXX regarding a XXXX XXXX bill that I did not have. I filed a report with Identity theft recovery government site, and contacted collection agency. Collection agency did not at any time verify the debt, nor send me proof that the debt was mine at all. In fact they only told me to contact XXXX XXXX. The debt collection company did not do anything. I contacted XXXX XXXX and they did an investigation and concluded that this was identity theft and sent me an email stating that the debt was not mine. I promptly sent this to the collection agency, but they continue to harass me regarding this debt. 
Their latest letter is dated XX/XX/XXXX, and states to contact XXXX XXXX again. They have not complied with the FCRA, nor my repeated requests. 

Please have them correct this action and punish them for not following the fair credit reporting act. 

Collection company AFNI, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX