WillisBack/dataset-financial-user-claim huggingface dataset:
The call is automated then someone comes on the line saying they are a debt collection company. They call everyday. This debt has been charged off.
THIS IS MY THIRD REQUEST TO DELETE THESE ACCOUNTS FROM MY CREDIT REPORT THAT I DID NOT AUTHORIZE NOR APPLY FOR. XXXX DELETED THE INQUIRY BUT NOT THE ACTUAL ACCOUNT. WHAT SENSE DOES THAT MAKE. THEY DO NOT BELONG TO ME XXXX XXXX CARD AND XXXX XXXX ( XXXX XXXX ) If you viewed the attached documents.. My birth certificate CLEARLY shows my correct date of birth which is XX/XX/XXXX.. That is not what 's being reported. Please be advised that this is my THIRD WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.
I applied for a loan about XXXX days ago with Ladera Lending and I have been given the runaround about trying to get it processed. I am told that it 's still in underwriting and we are still waiting for a response. I have been waiting for underwriting for about 2 months now and it 's long overdue. They kept promising dates of estimated closing times which never happened and I feel like they are just wasting my time or playing games with me as a consumer. They state that it has been reassigned to another underwriting and that management has gotten involved but nothing is happening.
There is a comment on my mortgage from XXXX XXXX that I disputed my mortgage. I never made the comment. I called Equifax to request the information be removed and was promised that it would be immediately removed. I received an email from Equifax on XXXX/XXXX/XXXX which provided a link that would allow me to see a credit report without the dispute information. The report still contains the disputed information. I called Equifax and spoke with a supervisor named XXXX ( ID # XXXX ) who stated that the information was removed but he could not give me a new link to a correct credit report. I pulled a credit report through AnnualCreditReport.com which still showed the disputed comment and now has added a comment that the mortgage was modified. I call Equifax a second time and spoke with a supervisor named XXXX ( ID # XXXX ) who explained that he could get me access to the corrected report if I paid for the Equifax XXXX XXXX. He then signed me up and charge my credit card a {$6.00} reoccurring fee. I pulled the report through this service which does not show if there are any comments, it is only a summary of the account. I called Equifax a third time and spoke with a supervisor named XXXX ( ID # SCC ) who said the disputed information is not on the credit report, but she would not cancel the Equifax XXXX XXXX and would not provide me access to an updated credit report.
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX ( which is reported a lot of times ! ) and Chapter XXXX Bankruptcy Discharged XXXX
I enrolled in a debt repayment program with XXXX in XX/XX/2018. XXXX XXXX approved my payment amount and participation in the plan on XX/XX/2018. Since then I have made on time payments to XXXX, and through them to XXXX, but XXXX is reporting that Im 90 days late. I have contacted the company several times and received no assistance whatsoever, even though everyone Ive spoken with agrees that their records confirm what Ive said.
I just logged on to a credit site to join and look at my report. I noticed something listed under " Deragatory ''. Looking further, I see a company, ( collection agency ), named " Syndicated Office Systems ''. XXXX or XXXX NY I believe. 
I went to check them out so I could get a phone number to call. 
I run across articles on how the Government just came down on them, and they were fined millions for what it appears has happened to me. Not making proper contact and allowing consumers to address any issue before it gets on their credit report. 

I was just amazed as they were in trouble in just 2015? 

So, a at age XXXX, I have XXXX bad item on my credit report. And get this, ... its for {$35.00}. Are you kidding me? 

Today was the first time I was aware it was there, and only because I went looking. 
I have never had any contact with these people. No letters, no calls, no emails, no work calls. 

What should be my next step or am I already included in the class action suit against them? 

Thank you so much. XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Today XX/XX/2018 My husband and I contacted Chase bank to negotiate a settlement of our credit card balance. We were on the phone for almost 2 hours, transferred to 4 different people and offered a 4 monthly payments of {$8700.00} starting in XXXX which we agreed to, once we requested that they sent us the paperwork to sign, they refused telling us to go visit a credit counseling agency they recommend. We told them we didnt want to talk to a credit agency many times as we had already consulted with an agency and also a debt settlement agency as well that charges fees and will tell us to not make our payments. Repeatedly we told them that we wanted to make the agreed payments and they said that they are not disagreeing but they never agreed either. After two hours on the phone, they hung up on us and nothing was acomplished. This company is a ripoff, they are ripping off the consumer and robbing us of peace of mind and the opportunity of paying off debt. Please help
I have made contact with Great lakes in regards to my account status being " closed '' " paid in full '' " balance XXXX '' and showing an age of 7 years and 2 months still remaining on my credit report and showing a negative status. i have successfully rehabilitated this loan and have opened the account in positive standing with a new loan through Great Lakes, when contacting the company i was told there is no way to remove it. the acocunt was closed in XX/XX/2015
On XX/XX/XXXX I was contacted by a XXXX XXXX from XXXX XXXX  XXXX also known as Premier Student Loan Center, regarding my annual for the Federal Student Loan forgiveness program, XXXX requested 2 of my most recent paycheck stubs in order to process my renewal. I gave these to him. 

He confirmed he received them on XX/XX/XXXX. 

On XX/XX/XXXX I received an email from XXXX Department of Education Loan Servicing stating that my request was received. 

On XX/XX/XXXX I received another email from XXXX stating that my request was reviewed and approved, I received another email from XXXX stating that there were forms in my XXXX inbox that needed to be reviewed. I logged into my XXXX account to review said forms, while logged in I decided to take a look at my account summary and see how much my new payment amount would be and how much I have paid down since my last renewal. To my surprise, it showed that I have never made a payment. This was very alarming to me since {$30.00} is deducted out of my checking account every month. 

I called XXXX on XX/XX/XXXX to see what was going on. The rep that I spoke with stated they have in fact never received a payment from me as I have qualified for the {$0.00} monthly loan amount with my last few renewals. The Rep and I took a look into it and found that the company ( XXXX XXXX XXXX also known as Premier Student Loan Center ) was reporting my information to XXXX incorrectly, increasing my number of dependents to put me in a different payment bracket. The Rep at XXXX was very helpful. 

After my conversation with XXXX, I went back and took a look at all of my email correspondence with XXXX XXXX XXXX also known as Premier Student Loan Center and found a contract from XX/XX/XXXX. The company has been charging me {$30.00} a month plus additional start up fees, to submit my renewal to XXXX, they have been reporting the information to XXXX incorrectly and could potentially damage my credit with the program as well as my credit future. 

The contract with XXXX XXXX  XXXX also known as Premier Student Loan Center was never explained in such a way and has now cost me {$1400.00} in fees of which I thought were going toward my student loans. I am concerned that I am not the only one with the issue and being on the limited budget that I am, this is very concerning to me.
I have disputed the reporting of accuracy for account XXXX over 5 times with Experian. I have recorded phone conversations with the assigned rep over the phone telling me that he would remove the past due notation from my report after he verified that he received the fax that I sent to Experian on two separate occasions. The XXXX account was charged off back around XX/XX/XXXX or XX/XX/2014. There are several different areas of concerns with Experian : When you challenge them they place your file into segregation and assign your account to their consumer affairs rep. Which this rep will investigate one time and basically use previous investigations to determine that the validity of the account doesnt need to be re-investigated. This account has several violations that violates the FCRA and the FDCPA.
" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I had a loan from LoanMart for a vehicle while I was in the XXXX XXXX. I notified them that I was being called to XXXX XXXX and they took the car. They auctioned the car off. They got all of the balance except {$890.00}. Now they are after me today 7 years later for {$6400.00}. It is past the 7 years to report this per the Fair Credit Reporting Act, is way over the Statue of Limitations. They sent me an email saying the balance was {$890.00} so I would call and then said I owe them {$6400.00}. When I could n't pay that they threaten to put liens on any current vehicles I had, threatened to have me arrested, threatened to sue me and take garnish my wages. This was from XX/XX/2015 to XX/XX/2015 which I believe was almost 7 years ago. They violated the Soldiers and Sailors by repossessing the car after I notified them. 
None of the correspondence said they could n't sue me so they led me to believe that they easily could. I was ready to start paying them when a friend of mine told me that what they were doing may be illegal.
BBVA Compass Bank claims that they had sold my car at auction on or around XX/XX/XXXX after a repossession. Their information is not correct. The sale was on XX/XX/XXXX. I have a  pending court case and I am trying to prove that I was falsely arrested. My car was towed off of private property without my knowledge or expressed consent. This arrested lead up to the vehicle being repossessed.
Key Bank requires online statements and payment in order to avoid a $ XXXX monthly fee. Because I have an older computer system that XXXX considers to be below its minimum standard for downloading the latest version of XXXX XXXX, my popup windows are not working to remind me of the calendar entry for paying my credit card. As such, I paid my credit card a week late. The Key Bank representative graciously waived the {$37.00} late fee but kept the {$.00} minimum charge to cover the additional interest, to which I agreed, because that is fair. As Key Bank, in an attempt to obtain prepayment of its outstanding balance, sets the next month 's payment as a two-month payment, even though the previous month payment has now been paid and late fee waived. I called Key Bank 's credit card customer service representative, who told me she nor her supervisor had the authority to modify the minimum payment to reflect the previous month 's payment. I have complained once before on this subject when I received this response once before, and Key Bank representative XXXX XXXX competently modified the minimum balance calculation manually. I am looking for this resolution again, but more important, I would like to solve this problem once and for all. I asked the credit card customer service representative, if I could schedule payments in the future when I receive my statement or, even simply schedule a recurring payment every month which will slightly overpay the payment as the balance is paid. Incredibly, I was told that Key Bank offered these features but no longer does so, features that other banks typically provide ( e.g. XXXX XXXX )! Accompanying this complaint are the two relevant screenshots, showing my attempt to set up a recurring transaction and how that feature is disabled once I enter the Key Bank Mastercard account as the recipient of the monthly recurring transaction. I would like to be able to make a recurring transaction because of my inability to receive reminders from my electronic calendar.
Trans Union and XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
I am currently in the process of selling my home and we were supposed to close escrow this week. The buyers had a loan contingency that was signed off early XXXX so we did n't anticipate any issues. Last week the issues began with their loan officer. We found out today after several days of back of forth and little to no communication that their loan in short was no good and they could not proceed with purchasing my home.. The loan officer was the cause of the mistake as she did not do her job thoroughly not only causing me to lose a buyer on my home but also the purchase of my replacement home. The buyer 's loan officer also displayed poor work ethic and refused to answer my realtor or their realtor 's email, text and phone calls. They basically had to harass her continuously to get short XXXX line or vague answers. We still have not gotten to the bottom of everything as she is refusing to give us information and from my knowledge will not give up the file to another loan officer that is experienced in this whole situation. As of today all I understand is that the buyer ( who signed off the loan contingency ) does not qualify for a conventional loan and they are still waiting on the XXXX loan as the loan officer failed to be thorough with the process and more skeletons such as a foreclosure came up. We tried to file a complaint to the branch but come to find out she is the branch MANAGER so we would get nowhere with her. I even had to send her an email to try to get answers and it fell on deaf ears. Personally I would like her to be reprimanded as high as I can go as this is not fair. I lost our dream home because of her and we lost our buyer on our home. Please contact me ASAP so I know the next process to take. 

Loan Officer this complaint is regarding XXXX XXXX, On Q Financial Senior Loan Officer NMLS # XXXX XXXX
I have been in school and have only opened one credit card account with XXXX XXXX XXXX. Per my annual credit report and XXXX XXXX, I have been a victim of identity theft for which I have already contacted the IRS who provided me with a pin that I will need to use in order to protect my ss # going forward. I have various accounts on my report for which I have attempted to remove repeatedly, yet the companies and debt collectors will not remove these items. Such as the following : XXXX XXXX XXXX  : Account Balance- {$1000.00} sold to Portfolio Associates Account Balance- {$2600.00} opened XX/XX/XXXX XXXX XXXX : Account Balance- {$910.00} sold to Portfolio Associates XXXX XXXX XXXX ( no military affiliation ) Account Balance- {$730.00} opened XX/XX/XXXX
There are 3 items on my report and by law it has been over 180 days and I no longer owe them debts, I have tried to dispute them and nothing has happened. I have told the creditors that it was illegal for them to use my name and birth date and social security number and the fact that it has been over a 180 days. I want these items removed off my report. By law they need to be removed. Thank you XXXX XXXX
5 calls within 6 hours ( from XXXX to XXXX ). I have snapshot of calls on my phone. This is my sisters debt that I cosigned via Sallie Mae for school loans. They know I am not primary. She did not receive any calls today. She has scheduled automatic monthly payments with them that come out on XX/XX/XXXX ( today is XX/XX/XXXX ). 
XXXX XXXX is the number that called and XXXX was the name given on the voicemail. 
As a night shift worker who sleeps during the day these calls were extremely disruptive and I am quite annoyed that despite numerous communications via my sister and I they continue to 'prematurely ' harass me for a payment that is not even due yet. Hopefully this complaint helps rectify that. Thank you.
I contacted XXXX because Sequoia Financial Services kept checking my credit and had 5 bills of mine totaling almost {$17000.00} ... the original Total was over 50,000 and the hospital absorbed 95 % leaving me with a balance of {$2600.00} ... I never received anything from the hospital and it was sent to collection almost immediately even after the financial agreement ... They also retrode it to cover past and present ... I only received {$14000.00} of that {$50000.00} total and bills the rest I never saw ... And Sequoia also had two bills for over {$6000.00} that the hospital never sent me from XXXX and I do n't think I was even there ... When I filed the dispute with XXXX on XXXX XXXX I sent them the documents from the hospital as well as my letter asking for the financial assistance ... On XXXX XXXX XXXX  removed every single one of the Sequoia charges because they were not valid ... Then on XXXX XXXX I got a letter from Sequoia Financial Services stating that I owed them {$12000.00} and that amount almost {$1700.00} was interest that they illegally charged to my account on fraudulent bills ... those two bills for over {$6000.00} for not included in their total I do n't even think that they were real bills ... and the worst thing that they did was they somehow illegally obtained my very private and detailed emergency room visit that nobody should have ever seen ... I know this because Sequoia sent it to me and I was floored ... I have never heard from them since and a couple days ago I got a bill in the mail from another collection agency called XXXX XXXX XXXX and they have purchased one of my accounts from Sequoia ... this company is the worst and they have so many complaints against them I ca n't even understand how they 're still allowed to be in business ... They are Crooks and they are breaking the law
To Whom It May Concern, This is the same complaint that I had a couple of years ago when I was trying to pay off a particular loan and was making payments. My balance was not going down and I got some XXXX response from this company. 

Again, Im making payments to pay off another loan and my balance is not going down. Where are my payments going? Do these people know what they are doing? I want a breakdown off all my payments made and what loans they are applied to since my balance is not decreasing when I make payments towards them. 

On XX/XX/XXXX made a payment towards a loan that had a balance of XXXX on XX/XX/XXXX the balance is still the same? Where is my payment that should have been applied? On XX/XX/XXXX another payment was made in the amount of XXXX. Now you would think that my balance is XXXX plus one months interest. NOPE ITS STILL {$2900.00}????? 
This company is defrauding me and the company should be investigated by the CFPB. This is an Unfair Deceptive Abusive Acts and Practice and they are pyramiding payments which is against Regulation AA.
Asked to lower payment what they said it was going to be was double they said XXXX. They are charging me XXXX.
We have been trying for 3 months to meet the requirements of BB & T to have our PMI removed and they keep making up reasons to delay removing our PMI. We were told both in writing ( a letter from BB & T ) and over the phone that if we payed our loan down to 80 % or lower, we would be eligible to have PMI removed. We were given a dollar amount that our principle loan had to be at to reach 79 %, so we made that happen. After waiting for the payment to be processed, we called again to make sure we met the requirements to have PMI removed. We were then informed that we needed to fax a letter officially stating that we request PMI to be removed ; so again we did what we were told. After receiving our letter, we were told we had to wait 20 days for the PMI department to review our information and decide if we qualify to have PMI removed. After waiting the full 20 days, they sent a letter saying we couldn't remove our PMI without an appraisal of our home by one of their " qualified '' appraisers. We already know our home has increased in value since we bought it and they claim it is a {$500.00} minimum charge for an appraisal ; so we would rather pay that money down on our principal instead of wasting it on something we already know. We did our research ( along with speaking to other mortgage professionals ) and we learned that if our principle loan reaches 78 %, federal law requires a bank to remove PMI automatically. After finding out this information, I called BB & T to ask them what our principle loan amount needed to be to reach 78 %, so we could remove our PMI. The first lady quoted me an estimate of {$130000.00} and said she wasn't a PMI specialist but that was what she thought we needed. I called back the next day to request to talk to the PMI department, but they told me that wasn't possible and wanted to answer my question themselves. Again I asked what our principle loan amount needed to be to reach 78 % to have PMI removed. This time the lady told us {$120.00}, XXXX ( that is an {$8000.00} difference between the quotes that 2 different BB  & T employees gave us ) and she said even if we payed down to the 78 % now we wouldn't be able to remove the PMI because it goes by the amortization date ( not the percentage ) ; so according to her, we wouldn't be able to remove PMI until XX/XX/2022. All we want is a direct, honest answer to our question ... .what principle loan value do we need to pay down to in order to reach 78 % of our loan? Once we pay that amount, they must follow the federal law requiring immediate removal of PMI without giving us a million different reasons why they can not remove it. Every month they delay removing our PMI after we have met the federal requirements, they should have to reimburse us the PMI payments we made.