WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016, XXXX sent XXXX, XXXX, and Equifax via XXXX request to delete their trade line from my credit report. The AUD Response number is XXXX. Both XXXX And XXXX have deleted XXXX XXXX from the respective credit reports. However, Equifax has not. XXXX XXXX official has repeatedly stated that it was sent to all XXXX at the same time. It is my belief that an error has been made in the Equifax. The customer service individuals refuse to take the AUD Response number and perform a search. I have XXXX other complaints with CFPB.XXXX and XXXX. Equifax customer service will not look up the AUD # and I can not speak to the Business Department and XXXX XXXX will not call the business department. Thus, even though XXXX XXXX has properly notified Equifax , the deletion will not take place. There is a serious problem with Equifax. They are refusing to take this off. They have received the notification for deletion and is refusing to research for it. The customer service person XXXX is refusing to transfer my call to the Business Office and she will not email the Business Department. Thus this deletion is not taking place.
I HAD SEVERAL ISSUES WITH MY CHECKING ACCOUNT SOMETIMES I WOULD NOT COMPLAIN I LIKED MY BRANCH IN BKLYN. A FEW TIMES COMPLAINTS OF MISUSE OF MY ACCT WERE NOT SEEN AS SUCH AND I WAS DENIED MONIES THAT I DID NOT SPEND I AM A XXXX XXXX LIVE DAY TO DAY WORKED XXXX YEARS IN ANOTHER BANK PERSON. ALL MY BILLS MY PENSION MY INSURANCE PAYMENTS AND OTHER THINGS CAME OUT AUTOMATICALLY. A PHONE CALL OR LETTER OR AN EXPLANATION OF THE ACTION THAT TOOK PLACE WOULD AVE ALLOWED ME TO GET SOMEONE TO HELP ME REARRANGE MY FINANCIAL SITUATION. I WENT INTO MY ACCT ONLINE AND CALLED VA. TO BE TOLD THAT MY ACCOUNTS WERE CLOSED. I TODAY AM MAKING PHONE CALLS STILL, I HAVE CHECKS I CAN NOT SEE XX/XX/XXXX OR XX/XX/XXXX STATEMENTS I WAITED XXXX DAYS FOR MY MONEY TO ARRIVE TO ME IN XXXX, I RECEIVED XXXX DOLLARS LAST YEAR I PUT IT IN YOUR BANK PROBLEMSAROSE SHOULD I PAY XXXX FOR ITEMS I DID NOT BUY? XXXX DOLLARS FOR SNEAKERS FROM XXXX? EVEN MY BRANCH COULD NOT GIVE ME ANSWERS. MAYBE YOU CAN THIS WAS A TERRIBLE ORDEAL I FELL XXXX FROM IT AND I WOULD LIKE AN ANSWER, I SHOULD BE COMPENSATED I SHOULD BE ALLOWED TO CONTINUE TO HAVE AN ACCOUNT. XXXX
NAVIENT placed my student loans in " excessive debt forbearance '' without my request and without notification. They have agreed to update my account and put me back into the approved payment plan, but are refusing to update my credit report. I did not request a forbearance and received no notification via mail or email. Please help.
I wrote a letter to Experian on XX/XX/XXXX, asking them to investigate errors on my credit report. They were supposed to respond in 30 days, but they have not.
On XX/XX/XXXX, I submitted an online dispute at Experian regarding the account XXXX XXXX. My dispute was on the basis that as of XX/XX/XXXX, the account balance of {$840.00} was paid in full. I included my emailed receipt confirming this payment. On XX/XX/XXXX, I received an email from Experian stating that the dispute has been updated. Upon review of the account, it now reports, " Account charged off. {$840.00} written off. '' Considering that the account was paid in full, the status should reflect that it was " paid collection. '' I contacted Experian customer service on that date and was told that XXXX XXXX is denying receiving payment. I was also told that when disputes are initiated, the authenticity of the supporting documents are expected to be verified by the original creditor, thus they have the final say. This is ridiculous! Regardless of what XXXX XXXX XXXXs stating, I submitted proof that the account has been paid in full, therefore my credit report should be updated to reflect " paid collection. '' Experian is neglecting this proof.
Hello, I hope that someone could help me, I am trying to get a delinquency off of my credit report. I had spoke to someone in XX/XX/ and they had faxed over a forbearance form that should of been for a year and it was sent to me and i submitted it, i know found out that it was for a month and this is the reason why my account went into delinquency from XXXX. I have spoke to the credit bureau, the dept of ed told me to contact great lakes because my account was sent to them when i contact great akes they sent me back to the dept of ed, from there back to great lakes, In XXXX I spoke to great lakes over different times i was told to file a dispute and they would fix it then they didn't. I called back and a representative transferred me to manager which name was XXXX she was very nice but my issue was not resolved because they sent me emails. I do not know if i received them i cant remember but after filling my forbearance and confirmed that they received it i thought i was good. I now still do not have the issue resolved because of me getting the wrong forbearance formed sent. I would like to be helped this is really effecting my credit report and me buying a home for me and my children and i really do not know what else to do. Thank you very much for your time and help
To begin, due to a loss of income, the client fell behind on his mortgage payments. After having applied and being approved by GMAC / XXXX XXXX for a modification. This offer was made in writing by XXXX, who then failed to implement modification agreement. Later the loan was transferred to OLS. My clients continued to attempt to resolve this issue, with no success. After having acknowledged the error and delaying the implementation of the modification, OLS failed to postpone or hold the foreclosure action on my clients property. Later, once the clients were threatened by a foreclosure action, OLS provided a loan modification with different terms and timeframes. In a separate matter, on XX/XX/2017, OLS issued the clients an Interest Rate Adjustment notice which inaccurately provided the wrong payment and interest rate. We are writing to have these issues investigated and resolved.
Dear Consumer finance staff, I, XXXX XXXX XXXX, from XXXX New York, received an offer from XXXX XXXX to help me settle my credit card debt. On XX/XX/XXXX I received an offer from agent, XXXX XXXX from XXXX XX/XX/XXXX, to settle my debt with three Credit Card companies, a total of {$20000.00} to be reduced to {$10000.00} to be paid at 36 months installment of {$280.00} per month. I already paid to this agency {$280.00} on XX/XX/XXXX, and {$280.00} on XX/XX/XXXX. I was advised by, XXXX XXXX XXXX to stop paying my credit card bills that they will take care of the debt settlement. He also mentioned that the credit card companies will just void my debts due to me not having any properties or assets to back up the debts Ive incurred with the credit card companies. He also sent me some brochures and asked me to send him a copy of my drivers license, which I emailed to him at XXXX He also asked me to send him a copy of my Social Security Card, which I did not send to him. I became suspicious and proceeded to stop this withdrawals given that the agent mentioned above never responded to my emails, once the withdrawals from my checking account were taken. I have been also getting emails regarding educations on how to maintain a heathy financial activity. And received a call or two regarding such education and to confirm that I had received their brochures and forms. The agent, XXXX XXXX, told me that his agency will settle my debt, and given that I have no properties or assets, their agency could settle my debts with the credit cards, and they will just settle with them and consider the reminder of it a loss on the part of the credit card companies. They had me look in the internet for their credentials, and I found no negative consumers report on this agency or company. Their website is XXXX when I search for consumers report I only find their official website, as such, XXXX XXXX XXXX The debt settlement, as they called it, was with the following credit card companies, Capital One, XXXX XXXX , and XXXX XXXX  XXXX I must say that XXXX XXXX , put me under pressure to sign all documents as fast as possible, without giving me the chance to think about it and get back to him at a later time. I would appreciate if I can get any help you could provide to me for the situation I am in right now. I look forward to your response to my complaint. I can provide you with the document they had me sign on line by forwarding their emails at your convenience. Sincerely, XXXX XXXX XXXX
In XX/XX/2011, XXXX changed to Navient. They also changed my terms from an affordable payment which I was making, $ XXXX/mo. They increased my payment to over $ XXXX/mo. I told them I could afford that payment. At that time my principle balance was {$7000.00}. Last fall I contacted student aid ombudsman. They told me Navient would not make options available to me. The ombudsman did tell me I could refinance with a different servicer. Navient never told me that. I refinanced last month with XXXX. After all the interest and fees Navient charged me, the new principle is over {$16000.00}. I could have the loan PAID OFF by now. Navient lied to me to keep me in the loan. They also TRASHED my credit. Thanks for your reply
XXXX XXXX is reporting that I have a collection balance with them for {$90.00} left over on an account that was closed back in XX/XX/2012. I don't remember having this account, but nonetheless I wanted it off of my credit report. So today, I called XXXX XXXX to pay it. I gave them the account number they were reporting, my name, address, ss #, etc ; and they told me that they had no record of the account. So since they do not give me an avenue to resolve this debt, I want them to take it off my credit report.
Around  XX/XX/XXXX , there was a direct debit attempt from  XXXX  on my account but there was not sufficient amount in the account but my bank,  XXXX    XXXX   authorised the payment and was charging interest on it unroll it accumulate to  XXXX  plus. I confronted the bank about it but it was then already with a debt collector, so I made the payment. This is still showing on m y credit score til l now  XX/XX/XXXX  and I can take any loan from the bank because of that.
This company is trying to collect {$850.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
We moved XXXX in XXXX and our renters in our home stopped paying rent so we were unable to pay our mortgage starting in XXXX. The foreclosure on our home took quite a long time and is therefore still on our credit report. I 'd like to complain of prolonged process and hardship for this foreclosure and have it removed from our credit as soon as possible.
I have requested that Bank of America correct my credit file to something other than a payment status of 120 PAST DUE. Evidently they feel that because the loan was transferred while past due, that it should be designated as past due forever by them even though the loan was brought current with the new loan. The loan was transferred in XX/XX/2015, yet they refuse remove a status that shows a current derogatory on my files with XXXX  and XXXX.
received a phone call from a XXXX XXXX telling me that he is with my mortgage company, Bayview Financing. he asked for my s.s. number or loan number. i gave my loan number. he was able to pull up my loan information. he then said that today is the deadline for a loan modification. he offer to lower my payments about XXXX %. BUT, he needed the first of 3 trial payments TODAY. I asked for an email from Bayview reviewing these terms. after initially agreeing to do so, he then exclaimed that i was on a no email list. This is when i knew it was a scam. when i asked for more of his information, he hung up. the call came from XXXX his voice mail left his direct line of XXXX which is the line i called and he answered. losing your home is traumatic enough without these people making it worse.
Greetings, Myself and my spouse both Military XXXX XXXX members. 

Company Quicken Loans, lender reached out to us for re-financing in XXXX. We have provided certain information but never authorized to run a credit report. 

Credit report was obtained without our authorization. 
Credit report was obtained individually on XX/XX/XXXX ( individually ) Credit report was obtained jointly on XX/XX/XXXX ( jointly ) Mortgage was obtained from Quicken Loans ( XXXX XXXX ) subsequently. 
I requested Quicken Loans to remove one of the inquiry, but they refused by justifying their pushing and unethical practices. Bottom line is reports were obtained before authorizations.were given. 

This is not about what may or may not impact our credit report, its about obtaining credit report without authorization and without letting us know as consumers. 

even though I did my best to resolve this situation by reaching out to them on XXXX XX/XX/XXXX with XXXX XXXX XXXX. 

XXXX XXXX Quicken Loans Executive Office | Resolution Advocate Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Ext. XXXX XXXX XXXX XXXX XXXX refuses to remove my request of XXXX XX/XX/XXXX inquiry, furthermore justified that this inquiry was necessary by Quicken loan in order to obtain VA re-financing. ( one day apart ) XXXX XXXX XXXX also explained that he did his due diligence and based on the investigation he conducted their company has proper authorizations to pull our credit report. 


Please see attached letter and my correspondence with quicken loans I am not the only consumer on whom Quicken Loan used their predatory practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I contacted the Bankruptcy court asking their method of verification and they responded saying they do not verify or validate any information to the credit bureaus. The credit bureau refuses to remove the information although they specifically told me they verify personally. This is a direct violation of my consumer rights and I would like the false information removed immediately from my report.
I am unable to access my funds on my Rushcard. My balance went from {$700.00} to {$8.00} in one day and I didnt use any of the money. Now I ca n't get in contact with anyone with answers and my lights have been disconnected. Can someone please help me.
Best Buy Credit Services offers several limited time 0 % interest offers. We have used several of these offers but it seems that, because we tend to carry a non 0 % interest offer as well, no matter how much we apply over our minimum monthly payment, none of the funds pay down the 0 % interest balance so that we eliminate that balance before the expiration date. We then end up paying interest on the accrued interest as it is added to our principal balance. There is nothing on the statement that discloses how to pay down those balances. 
This month we made a significant payment to the card to payoff an existing 0 % interest balance before the expiration but none of the funds were actually applied to that 0 % interest balance. We contacted Best Buy Credit Services to inquire and were told that " No, the information is not on the statement '' and that we would have to contact them to let them know how we wanted to apply any funds over the minimum payment. I feel like this is an unfair practice and, had we been informed of how to pay down that 0 % interest balance, or that there were options for payment plans, we would have saved ourselves money in the excessive interest that we are now paying on those accrued interest balances that applied to the 0 % interest promotions. Best Buy Credit Services needs to revise their disclosures in order to advise customers of their payment options for 0 % interest balances so that those balance are less likely to result in negatively amortizing balances and excessive interest charges.
American Express is processing a payment that I am asking them to stop. They have tried processing the payment once, and when that did not go through, I asked them to stop, take the money out of a different account. Now they have debited my account with full payment and are still trying to debit the other account that I have requested  three  times for them to stop. They have had opportunities before the payment was processed again to stop it. They will not contact ACH or compliance and simply state that they can not do it. The only way to stop it is if I put a stop payment from  XXXX   XXXX , which is not fair to charge me a stop payment fee when I am asking American Express to stop payment from that account. I am not the only person who has this problem with them, as stated by the call center supervisor,  XXXX . Obviously, they are not protecting their consumers by not allowing payments that have not been processed to stop. Rather, now I  may  get charged a NSF fee as I have to wait for the payment to go through three times, when I asked for the payment to not go through after the first time.
Victoria Secret has reported with negative remarks and deliquency and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me. This account was noted as 30 days reported on XX/XX/XXXX. During XX/XX/XXXX -XX/XX/XXXX XXXX. During this time i attempted to make payment arrangements, using the credit card insurance to submit a claim to cover my account. Victoria Secret has passed me onto the credit card insurance company to submit a claim.I also attempted to talk to Supervisor on occasion several occasions. I was not able to resolve this issue and have contacted Victoria Secret and the credit card insurance department as well. Not only did I make payments for insurance in case something happened I was not able to utilized it. Please remove this negative information.
I am not sure where this account originated from. I have sent numerous letters asking that this account be validated or some sort of documentation bearing my signature be provided to me as it is my right. All of my efforts have been ignored. I would like to be provided with proof this account really exists and belongs to me.
FedLoan granted me a deferment yet wont update the granted request through the credit bureau ( XXXX, XXXX or XXXX ). When companies view my report they are under the impression that I never paid which is causing a late payment report from 30-120 days late under a total of XXXX different accounts. this is a double standard as to what was granted to me. I have suffered from this Fedloan servicing admission of falsely reporting to companies for over 3years.
Phone number calls every single day, in and outside of business hours to my work phone claiming to be from capital one. I do not have any affiliation with capital One, nor does this agency. 

A search on the internet shows that this is potentially a scam and asks for deposits, social security numbers, and other personal information.
Shortly after purchasing my home I became unemployed. Over the last XXXX years I have been employed briefly and have received some assistance with paying my mortgage through the XXXX. I am currently a part-time XXXX and am receiving a living stipend. I have requested assistance from Wells Fargo Home Mortgage for a Loan Modification and have been denied. A letter has been issued by Wells Fargo Home Mortgage stating that I have until XX/XX/XXXX to appeal this decision. I am working with XXXX, a non-profit housing counseling agency and need additional time to resolve this situation. I would like avoid foreclosure proceedings and stay in my home. I appreciate any assistance you can give me. Thank You.
Equifax has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Harris and Harris collection agency has been repeatedly calling and leaving a voicemail to a XXXX Voice # I do n't give out, claiming I owe a debt. I asked to whom, and they claimed a XXXX XXXX. I then called XXXX County to see, they checked the city , county, mva, and court databases and I have NOTHING there. Harris and Harris wo n't send me anything via mail regarding the collection, unless I verify my address, which I wo n't because this seems like a scam. I will follow up with my lawyer if need be.
Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called CASH LLC. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX BANK OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with CASH LLC XXXX XXXX Bank or any of their affiliates. 
I am requesting that CASH LLC and XXXX Bank or any of their affiliates should remove such negative and false statement from my credit report
I have been in contact with the credit bureaus in regards to recent hard inquiries on my credit. I work for the bank and had a malicious cyber intrusion which resulted in XXXX employees information being breeched XX/XX/XXXX. I was an employee that was effected and XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX sent me email that is attached dated XXXX, XXXX, XXXX. I have been getting hit with multiple inquiries on my credit and I have communicated in writing, as well as on the phone to all XXXX credit bureaus. They will not remove what has been requested and once again I can not get anywhere,