WillisBack/dataset-financial-user-claim huggingface dataset:
CFPB, Please accept this complaint as a formal notice that Experian is in violation of my rights under the FCRA. I have advised this company multiple times that they are furnishing inaccurate information on my credit report. 
I disputed an account on my file being reported by XXXX XXXX XXXX XXXX with an account number of XXXX on XX/XX/XXXX ( attachment A ). Experian received my letter on XX/XX/XXXX. I informed them that this account is no longer supposed to be reported negatively and supplied Experian with documentation supporting my dispute ( attachment B ). After recent review of my credit report furnished by Experian, I noticed that their company did not update the information to the appropriate monthly payment history of OK, for all months reported and account status of paid as agreed. This account should have NO negative payment history and they have not corrected the inaccuracy after being informed. The account number was also changed and they are reporting and inaccurate open date of XX/XX/XXXX. The original account number should be XXXX. And the accurate open date is XX/XX/XXXX and is being reported as such to XXXX ( attachment C ). Experian is in complete violation of my rights as they are knowingly furnishing inaccurate information and damaging my credit worthiness.
Navy Federal Credit informed me that XXXX from Security put restrictions on my account leave with no access to my account please he question my membership when my daughter XXXX XXXX referred to the bank and per membership you need have immediate family in order to join. When I open the account my daughter confirmed that I 'm here mother. Please explain when do membership and security have the authority to put on a member account that has XXXX XXXX Direct Deposit into my account. Please explain if Navy Federal as that authority to do this is that part of Federal Regulation.
I am currently a customer of Chase. I got a pitch from them to join Chase Private Client. During they pitch they told me that if I joined I would n't be " nickeled and dimed '' for fees like other customers. They also said that if I joined it would separate me from the average sandwich maker who works in a deli. I thought both these statements were ethically ambiguous. Essentially if I choose not to join, I am " choosing '' to be nickel and dimed and also it would make me some sort of low status person like a sandwich maker? Insulting to every Chase customer and an insulting social outlook.
I have been trying to get a new car and when I was turned down I pulled my credit report, and I was furious! I have no knowledge of the debt that is listed and I have become very upset! Please help me, These accounts are not mine, I have tried to get all these accounts removed and have been unsuccessful! Please help me!! Remove these accounts please! XXXX XXXX is not my debt, I have no knowledge of this account! XXXX XXXX XXXX, I have no knowledge of this debt, it is not mine! There are two student loans reporting from XXXX XXXX XXXX XXXX Authorization. These are not mine, I have never been to or attended a college!. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are also reporting on my account and they are not mine either! There are 4 accounts that are closed! They are XXXX XXXX XXXX ( which is reporting twice! ) XXXX/ XXXX, and XXXX XXXX !! Remove these accounts! It should not be legal to report these accounts and I have informed these companies that these accounts are not mine! I have a load of inquiries that need to be removed as well, because they are in authorized! XXXX XXXX XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXXunauthorized XXXX XXXX c- XXXX XXXX unauthorized XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX XXXX unauthorized XXXX XXXX- unauthorized Please remove these accounts!! I am furious and ready to take action because these accounts are reporting and do not belong to me!!
To whom it may concern, I had a line of credit with Wells Fargo open in XXXX. Wells Fargo claim that I was 30 days late back in XXXX my records show that I was on time every month. So I would like for this derogatory to be removed from my credit.
BB & T charged the bank account for my XXXX for a " service charges prior period ''. When I called to inquire they said a manager would need to call me back. I called back a couple hours later and was then put on hold until the manager could talk with me. A manager is the only person that could reverse the charge. 

They had no good explanation other than the account was put into the wrong account type when they converted from XXXX to BB & T and they were going to charge the XXXX a fee for being in a business account. 

When I told them this smelled like XXXX, they very quickly indicated that they would refund the fee within 24 hours and move the account to a not for profit account type which had no fee. I told them that I appreciate that, but I knew that the bank had 100s of XXXX accounts not to mention other not-for-profit organizations. He agreed and I told him charging this fee was totally inappropriate. The XXXX received no communication about this change and I suspect many other accounts have this fee charged to them. I believe the CFPB should look into BB & Ts business practices, this is no different than what XXXX did.
On XX/XX/XXXX a payment for my Citibank Preferred Card was due, I, unfortunately, lost track of the date because of vacation and failed to make the payment. I have 25 on-time payments. On XX/XX/XXXX I called three times and the representative nor the account supervisor could do anything for me. I was suggested by one of the representatives to pay the minimum payment on the spot in which I did yet they did not remove the late-fee Due to the fact that I 've built a great relationship with the creditors, I would suppose that a simple mistake would easily be taken off.
Navient has permission to contact me through the number I provided them on file which is a personal number XXXX XXXX XXXX XXXX. I have not and never will provide them with my business number. However ; they have started to call my place of employment without consent ( XXXX XXXX XXXX. I work in a XXXX XXXX and XXXX XXXX XXXX and need access to my phone for crisis and by them using my phone to take up message space puts the clients I serve at risk. This may also lead to defamation of character. Student Loans are a private matter as companies may not look them up without a social security number, therefore my company should not be aware of my student loan status. This is in regards to student loans from XXXX XXXX XXXX in XXXX XXXX, MA.
I demand to see Verifiable Proof of the accounts Experian have on file. But Experian still not show me. Their failure to positively verify these accounts has hurt my ability to obtain credit.
Hello- I have a student loan with XXXX . The account is reporting on my credit report twice. One I  am paying and is current on and another that is closed. On XX/XX/XXXX, I went thru the loan rehabilitate program with XXXX XXXX XXXX XXXX. I successfully completed the program after making 9 on time payments. The loans were to be set to good standing and the late payments were to be deleted and I was to have a clean slate with the loan servicer. XXXX closed the old loan and left the late payments on my credit report and added a new loan with perfect payment history. They should have deleted the old loan and they never did. So I have the same loan being reported on my credit report twice. They both have the same date as XX/XX/XXXX. I am requesting that the old loan be deleated from all 3 credit files. 

Thanks!
My current mortgage servicing company is fraudulently placing my mortgage in a forbearance payment status after being advised verbally and in writing of my non-agreement to a modification XXXX. Further, they have not updated their system as to the payment process only allowing for a reduced payment to made online and subsequently threatening foreclosure and negative reporting to the credit bureaus for non-payment of the full amount of mortgage. All paperwork being received from Ocwen Loan Servicing states my current payment due is {$650.00} when in actuality the payment should be {$880.00} and I am being threatened by employees with foreclosure and negative reporting.
Credit Collection Services has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt
This happens every year. When I try to get my annual credit report, I have no problem with XXXX or XXXX. But Equifax arbitrarily denies access to my credit report claiming " security. '' They then set forth a long list of documents that I have to provide by mail to get my report. I think they are doing this to avoid having to provide a report. You should investigate their practices with respect to this.
Based on information provided by XXXX I sought to seek enrollment as a fulltime student at the XXXX university to pursue a XXXX XXXX XXXX XXXX XXXX. Based on expected cost & information provided states tuition & fees ARE NOT billed at the cost per credit hour of {$600.00}. In addition, pre-generated predatory loans with XXXX though Great Lakes Borrowing based on Truth in Lending Act includes fees for the school application of which was previously settled months prior to enrollment. Total amount billed with Great Lakes include Cost of course/ fees for classes I as a student never enrolled, gained education, or scheduled. 

Transcripts of prior courses were provided and approved by the institution before enrollment for credit adjustment to decrease original loan amount for cost of transferrable credit. While enrolled as a Full-Time student all Department of Education Subsidized, Unsubsidized, and Scholarships were applied to Tuition. It was advised if I wish to obtain additional funding for expected living/outside expenses private loans were required, as additional funds received by University would deflate institutional awarded scholarship that is non-cash redeemable. 

With intensive recruiting by agent XXXX XXXX, there was an urgency to begin classes sooner than expected as all documents were secured with appropriate departments. Special structure of program allows access to classes taken online until arrival at the XXXX. After speaking with several other students who were not aware of the process it was determined many students originally failed the online introductory XXXX credit hour course, which is designed for campus resulting in {$1800.00} pay to retake fee. 

Lack of independent accounting practice as done by XXXX and XXXX XXXX, has afforded XXXX to negatively impact student & parent consumers credit with students who are billed {$45000.00} for courses and a negligence to mention approximately {$17000.00} unmet need with Department of Education as expectation of private loans by parent plus or cosigner are to meet student living arrangements. 

After addressing wishes to suspend having loans billed as I would not be attending classes XXXX XXXX continuously billed Great Lakes from XXXX with out approval. 

XXXX XXXX, XXXX I received an email stating XXXX XXXX University reconciled records to determine a XXXX Refund Check was due in the amount of {$1.00} from loans disbursed to the University by Department of Education from Fiscal Year of XXXX for expected associate cost of obtaining a education while attending classes XXXX hours a day 6 days a week. 

Many students ' graduates and those who were forced to withdraw due to lack of XXXX XXXX funding are stuck with the burden of poor quality education, un-transferrable courses and erroneous loans unable to make payment or obtain gainful employment.
I have been contacted repeatedly by Portfolio Recovery Associates in regards to account XXXX, this account is over 7 years old, and should no longer be on my credit report. They have illegally re-aged this account to make it appear newer. When I wrote to them asking for validation, I did not receive a response. They call me from different numbers numerous times a day, and will not stop. I am attempting to get my finances organized, and their attempts to collect a debt past the statute of limitations, and their illegal re-aging of the account are preventing this from happening, and I do not feel this is fair.
I had an XXXX XXXX credit card with a credit limit of {$110.00}. I lost my job so I could not make the payments. The balance owed on the card was {$86.00}. A collection agency bought the debt and is charging me an unfair price of {$390.00}. I did make a payment to them for {$50.00} on XXXX/XXXX/14 when the asking balance was {$340.00}. I do n't know how or why the balance is now {$390.00}. I did dispute this with the credit agency but they said this is justified.
I returned merchandise to XXXX XXXX on XX/XX/XXXX and my Amex Serve card was used for that transaction. The merchant issued a refund credit to my Amex Serve card on XX/XX/XXXX for {$210.00}. The original charge was {$220.00} so the refund credit is for the original amount minus the shipping charges. American Express has put my return credit on hold for 7 days and this is money owed to me.
When my private loans when to navient for repayment, the company would not work with me for affordable repayment plans. Therefore, since I could not make the payments that they required XXXX $ XXXX monthly ) they sent my account to a credit collection agency. Therefore, my loans are now in default and report badly on my credit history and I am struggling to come back from that. I will not be able to afford buy a new home, let alone a new car, even though for years I have made on time payments to the collection agency for my student loans. Navient was unwilling to work with me to lower my payments to an affordable rate and told me in order to afford payments to sell my car, disconnect my cable and to get another job in order to make my payments. They made harassing calls to me over a dozen times a day and left me no choice but to take the option of allowing the loans to fall into collections so that I could get a more affordable payment plan. Now I am stuck with bad marks on my credit since XXXX and unable to come back from this. I need help.
I have contacted AES on numerous occasions to discuss my large monthly private school loan in an attempt to reduce the monthly payments. My monthly payment is XXXX and I can not afford this therefore I am late on the payment. Each time I contact them, I am told that there is nothing they can do for me except 3 months at a lower rate of XXXX but with a XXXX upfront payment which I do not have. I have been struggling with this payment and company for 6 years and they will not assist in any way. Because this is a private student loan they do not offer income based programs or any type of reduced payments. If I was a public assistance recipient I would not have this issue which I think is prejudice towards me. If I had known how this company deals with their customers I would have never went to college and obtained a XXXX XXXX. I would have been better off working at a local XXXX. I am very upset and discouraged with our education system and their unwillingness to help. my husband and I both work full time and have not been able to even purchase a home. My payment far exceeds what a mortgage would be. Again it is either pay this large monthly loan payment or do n't eat! there is no way around it. I have cosigners on these loans one of which is my grandfather who is XXXX XXXX XXXX, on a very tight monthly budget and AES constantly harasses him for the payment. I have requested cosigner releases many times but denied. I have other loans with ACS and I contacted them and they were able to reduce my payment plus wipe out the past due and start new in XXXX. I was on the phone with them a total of 10 minutes and it was complete. I was on the phone with AES for over an hour with no results or assistance. If XXXX can help why cant AES. I 'm not sure what can be done but I will continue to pursue this issue and contact my local representatives or whomever to resolve this. 
attended XXXX/ XXXX
False Debt collection call to my wife that may cause identity theft. Asked for SS # and account in XXXX healthcare. 
From number XXXX XXXX XXXX XXXX on behalf of United Collection Bureaue They tried to enforce her to pay {$300.00} dept to XXXXp ( XXXX in XXXX 2015 ). I have checked my accounts with XXXX - no balances. 
Consider such calls as criminal activity collecting personal information and pulling money from people.
During the months of XXXX, I was struggling financially as I was transitioning between jobs with some time inbetween. In addition, my significant other who lives with me was out of work. In the days between XXXX XXXX and XXXX, Bank of America has charged me over {$200.00} in fees which they refuse to waive. Many are overdraft fees for which funds were added less than XXXX hours after I received the notice. These fees are excessive and I can not afford them especially while I 'm in between jobs.
I have a student loan with Mohela that I am paying on time, it is not delinquent. 
The payment for XXXX 2017 is due now and 16 days past due and they are calling my mother about this debt. she has nothing to do with this loan, thee loan is in my name only. 
This is harassment.
I contacted Equifax to dispute some items. They refused to send me updates on the status of the dispute and did n't provide me with updated report. They continue to keep items on my report that are inaccurate and therefore result in negative results when applying for credit and a lower score. Along with XXXX, XXXX County and XXXX XXXX XXXX they do not update or provide accurate information and Equifax refuses to remove items or properly notify of any result or action taken.
XXXX XXXX 2016 they submitted a hard credit inquiry against my credit account.
I recently pulled my credit report and noticed they were some debt reported by XXXX/CAPIO that I did not owe or ever heard of or ever had contact with. I contacted the company certified mail asking to validate this debt because its not mine. The company responded with a generic XXXX XXXX print out saying as verification. That is nit verification, if XXXX/ CAPIO does not have any documents with my signature agreeing to pay, they need to remove this debt ( XXXX ACCOUNT # XXXX ) of my credit report immediately. They violated FCRA by not providing me proper validation in regards to this debt.
this is my XXXX time to file a complaint because Nationstar has not resolved this problem. I am filing on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al. XXXX. XXXX XXXX sold her home on XXXX XXXX 2015 and the fund were wired to the Lender. It is know XXXX the XXXX and XXXX XXXX keeps receiving late notices. There has been no release of lien recorded as well. Needless to say XXXX XXXX is very upset and Nationstar continues to perform at an unacceptable level. Her loan number is XXXX. Thank you in advance for your help in this matter.
This is a complaint against Chase Mortgage, for both my primary home mortgage and my home equity that is still reporting on my credit report as negative. I held both a home equity and XXXX mortgage with Chase. I applied for a HAMP loan and my loan was soon put into foreclosure. I had sent in the large application packet probably about 10 or more times, with responses back from Chase that my documents were now " expired '', though they were valid upon submission. I even hand delivered my packet to a HAMP processing center in Colorado. 

There were many errors and false information about the HAMP process conveyed to me by Chase. The first of which I was advised by Chase representatives that the only way I would qualify for HAMP was to let my mortgages and equity line go into default. Another grievous error was that a phone representative marked my application as a " short sale '' though I never indicated I wanted to short sale my house. My whole point of applying for the HAMP loan was to make my payments more affordable. 

Due to the mishandling of my application, I later received a settlement of {$2000.00} from Chase as part of a class action lawsuit. They prolonged my HAMP application for nearly 2 years, whereby I incurred interest, stress, and the nearly two years of accrued unpaid mortgage payments, ( that I would not pay until I was assured I was indeed qualified and would not lose my home ). My modification was finally approved literally the week my house was to be put up for auction. 

Additionally, Chase turned over the servicing of my account to XXXX, who at first contested that I was HAMP approved. I had to fight and wait to know for certain my new loan payments under HAMP were being applied and I was truly no longer in foreclosure. I had been paying Chase, but when it was transferred to XXXX they did not have my Chase records for a long time, leaving me to believe I was never approved. XXXX kept telling me that had no records of my HAMP approval for CHASE, though I had already started paying on my trial period payments. 

As it stands I was able to remove the Chase Mortgage from most of my credit reports, but my Home Equity is still showing as derogatory on my credit reports and has the incorrect last date of payment, ( I did not make a payment in 2011 ), and other errors on the reported account. I would like all my past derogatory accounts with Chase Mortgage deleted from my accounts. Also, if there is any other compensation that I could receive for all the XXXX and time that Chase caused me over the years stalling the HAMP process, I would like to know. Thank you for looking into this matter.
Our complaint is against Nationstar : Nationstar has notified us that starting on XXXX/XXXX/XXXX our interest rate will go up to 5 % despite the fact that our Loan Modification Agreement clearly showed the the cap was 4.75 %. 

We have written to Nationstar a couple of times about this however they insist on the 5 % while at the same time they are sending us refinancing notices with interest rates staring at 3.5 %! 

The history of our Loan is as follows : On XXXX/XXXX/XXXX we bought a home in XXXX XXXX NV XXXX our initial mortgage was with XXXXXXXX XXXX who shortly after closing sold it to XXXX XXXX XXXX XXXX XXXX loan maturing in XXXX. 

We were making our mortgage payments regularly never missing a date until XXXX of XXXX when our income dropped drastically and we were forced to ask for a Loan Modification. 

We submitted the necessary application and on XXXX XXXX, XXXX we signed the loan modification agreement that reduced the monthly payments, by substantially increasing the new amount due and extending the maturity of the loan to XXXX! Part of the new agreement was the our interest rate would increase from the initial 2 % to a maximum of 4.75 % by XXXX/XXXX/XXXX. 

We have since paying our loan regularly never missing a payment, in fact we have been making extra payments towards Principal managing to substantially reduce the balance of our mortgage. 

Sometime in XXXX of XXXX XXXX sold our mortgage to XXXX and we were asked to refile our HARP application which we did. 

Sometime at the end of XXXX XXXX sold our mortgage to Nationstar and we have been making our payments to them never missing a payment and continuing making extra payments towards Principal managing to substantially reduce the balance of our mortgage. 

We have not proceeded with the refinance because of the excessive closing costs.
On XX/XX/2018 I checked my Transunion credit report, I notices two accounts on my report that not mine .I disputed this threes times with XXXX and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Accounts below ; XXXX XXXX XXXX # XXXX, Open Date XX/XX/18 {$4000.00}