WillisBack/dataset-financial-user-claim huggingface dataset:
I have reached out and disputed with XXXX, transunion, and XXXX about these accounts on my credit report with XXXX these accounts should be removed. XXXX XXXX is showing a balance of XXXX opened date X/2012 this information is not accurate and should be removed. There are open collections that were removed and recently added and that is against the law, was not notified. Those accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. I do not have any signed contracts with these companies. Therefore, unless you can provide me documentation from these companies with my signature they need to be removed as they once were before. XXXX XXXX is a closed account as well that was deleted about 1.5 yrs ago and has resurfaced. I have filed a police report on the inquiries that I did not authorize. I have tried to contact bureau but they keep telling me contact company. The company tells me to contact the bureau. I have not applied for or authorized use of my report in the last 2.5 years. Inquiries listed below. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Some of these companies have more than 1 inquiry. Someone had accessed my file why would I apply 5 times with same company in less than 6 months? I have disputed this several times with no results from them. Please help, I didnt file a bankruptcy to have the same things on credit or to be a victim of identity theft and be held responsible. My next step will be filing a lawsuit. Thank you.
I attended a College called  XXXX   XXXX   XXXX  in  XXXX , GA in Fall of   XXXX  . To get my tuition covered I took out a couple of   XXXX   XXXX   that had been offered to me. Once I left the school I made sure I did n't owe the school money and I did n't have any holds because I wanted to transfer all my credits to a new school.  XXXX   XXXX  sent my transcript to my new school. Currently I am enrolled in school and I am on track to graduate with my  XXXX . So, I am very confused how  XXXX   XXXX  is saying I owe  XXXX  dollars and release my transcript to continue school. When I stopped attending  XXXX   XXXX  there was a {$0.00} balance on my account. Attached details how much I 've been awarded Fall of   XXXX  . Which I accepted in the beginning of the semester. This seems to be a error on the schools end not on my end because it seems to me that for some reason my loans did n't get disbursed even though I accepted to received them that semester.
I have been trying to work with Caliber for a loan modification and they have acknowledged all the documents received and they still will not postpone the foreclosure sale date to allow us an opportunity to keep my home. I had a XXXX which forced me our of work. I have my Daughter taking care of me at this time. I am currently receiving Social Security benefits and of course the help of my Daughter. I dont have any where else to go if i lose my home. Please help me.
A debt under XXXX XXXX XXXX is showing in my credit report. I 've tried calling to find out what the debt is and they keep advising that the debt with them that I had has been paid and that no other debts for me are in their system. This continues to be on my credit report.
I recently paid down all of my Chase credit cards to improve my credit score by lowering my utilization rate on my available credit. Two days after I made the payments to bring my utilization down below 30 %, Chase lowered my available credit from {$25000.00} to {$2500.00} thus making my balance at 100 % of credit and creating virtually no availability. This also would have seriously damaged my credit score.
on XXXX XXXX 2017 inbox loan has emailed my boss a wage assignment letter in order to pay back the loan including the high interest and principal. I called the collection company that emailed my boss and was told that I could not make a payment plan and that I would be taken to court to collect the loan with the interest and principal.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I submitted certified letters to XXXX XXXX, XXXX and Equifax regarding XXXX. XXXX XXXX/XXXX for {$2300.00}, XXXX. XXXX XXXX for {$3000.00} this account is older than 7 years old from the first day of default, I've even sent them paperwork from XXXX the company that is handling the loans, the letter verified that my first date of delinquency was XX/XX/XXXX and they still refused to removed they accounts from credit bureaus. According XXXX XXXX letter to me that I submitted to each bureau " the federal law requires defaulted student loans be reported to the national consumer reporting agencies for seven years from the date of delinquency ''. Based on that information the account should be removed, yet they continue to send me verified/updated letters.
I am writing in reference to a previous case I opened at the consumer financial protection bureau that is now closed the creditor XXXX collection services account number XXXX has mailed me a letter stating they will remove the account from all national credit reporting agencies. This has not taken place on my Experian credit report. I demand this be corrected as this account does not belong on my credit report as it was fraud and has been promised to be removed by the original creditor who is XXXX who than sold to XXXX collection and is reporting incorrectly negative on my experian credit report as it should not show at all because i was told it will be deleted. This misleading fraudulent delinquent account needs to be removed. I demand you update this information and reflect it correctly on my credit report as it should not show at all since this account was fraud and does not belong to me I demand you delete I it immediately.
I was not sent anything before they sent to collection and the man tried to say I was not going to pay the bill and I told him I never said that .I was waiting for the final bill .he told me the final bill was XXXX but XXXX was turned into collections and the is XXXX of which I was a long time customer financially I had to cancel services .So now even when the bill is settled it will be on my credit for 7 years .I want it taken off
I am a Co-signer on my granddaughters loan, I am XXXX yrs old, fixed income, & I have paid on this for over 4 yrs., they have raised my monthly payment for no reason over the years, when I have n't missed a payment. They Will Not help me as I have tried many times to talk to them!! Now, I am being threatened by XXXX cause I havent made a payment since XXXX XXXX! I do n't know what to do, they are a terrible company! Ca n't somehow this loan be written off? Its XXXX to pay off. Im very upset, at my age, this is very unfair. Please help!!!
I have sent XXXX written request for Validation of Account, and Midland Credit Mangement has not provided me with the requested information, such as, signed contract, payment history, proof of ownership and all the requested documentation. Please see attached letters. This collection agency has placed this debt on my credit reports without validatiing the debt.
The credit bureaus ' investigations have taken too long. Its been 51 days, and I still do n't have a response.
On XXXX I purchased an airline ticket online with XXXX airline using my bank of america credit card. Airline emailed me a receipt for {$580.00}. However, bank of america added a foreign transaction fee of XXXX to my statement. When I called the bank of america their rep told me this is fee charged by airline and that I should speak to airline directly. I told him it was not airline because airline emailed me receipt without the fee. I asked to speak to the manager of that rep. Manager aknowledged the fee was posted by bank of america and airline. When I said there should be no fee for purchasing online, since I was in USA not in the foreign country, she said that was their policy for any purchases from foreign companies ... they didnt refund the fee.
After reviewing all of my student loans online I realized that I never opened a private student loan with Sallie Mae. All of my student loans are federal and have been consolidated. I only have private student loans with another bank and my dad was the cosigner but never through Sallie Mae. I arranged payments for this account but after reviewing everything this is not my account. I feel I do not owe this bank because I never took out a private loan from them only federal. No payments have been made by me because I dispute the account but the collection agency continues to charge my bank account. I am going to file a complaint with my bank if the payment does not stop. I got confused because I have so many student loans but with Sallie Mae I researched that all of the loans I applied for should be federal never private and are all consolidated at this time.
I have a secured card through capital one that I have been using for about 2 years now. I set up my account on auto pay and have made all payments in a timely manner to this account. In XXXX XXXX I made a large payment of over 400 dollars to pay my account in full. Payment cleared and I thought everything was taken care of. Fast forward to now. I get an alert on my phone that info changed on my credit report and that this account was late. I went to the app immediately and see a charge 48 and change. I look through the account summary and see that the month prior to paying my account in full my payment was returned and I was charged a late fee of XXXX and an interest charge of XXXX AFTER my account had I thought been paid in full. As of the XXXX of this month because I did n't pay the late fee I was charged an additional late fee on top of the late fee as well as additional interest on top of interest. How predatory can you get!! I called in on XXXX XXXX and waited on hold for over an hour to be told by a representative that they will only waive one fee. I asked for a manager who I sit on hold for even lomger for him to say that he wo n't waive anything further and there is no one over him to talk to except to write into the corporate address. This is absolutely unfair practices. I understand my payment had been returned which I was unaware of but to charge late fees on top of latest fees and interest on top of other fees is ridiculous. So had my payment been in full minus that late fee, they still would have charged me interest and this is 100 % unfair way of doing business.
I have been doing what I can to get my short sell finalized. US Bank are the worst. After denying a few offers this gentleman offered what the bank wanted. He waited almost 2 years for them complete the view everything was done but after patient running he withdrew his contract. I got put in this situation because they refuse to except my payments because I had a temporary job and I would need to pay back all the money to get caught up before they I can apply for loss mitigation. I feel they are no not trying to let the house be sold. I do n't understand.
I was issued a tax lien in XXXX for the XXXX tax year in the state of XXXX Although I was in XXXX, I was active duty military and a legal resident of XXXX. I paid state taxes to XXXX lived in military housing, and shopped on base. I was physically on a XXXX 9 months out of that year and rarely stepped off federal property. I would like this lien removed, as it is a black eye on my credit report that I am trying so hard to repair and maintain. I want to make a home purchase in the very near future, and this is affecting my ability to obtain a mortgage. Thank you.
Good Morning, I have reached out to Experian on XXXX/XXXX/17 to remove all the following listed below due to similar reasons the three major credit reporting companies XXXX Experian and XXXX will enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address and either their Social Security number or date of birth. Nearly all civil judgments and at least half of the nations tax lien records do not meet the new standards, and will be eliminated from consumer credit reports.
Midland Funding took over my charge off a XXXX XXXX XXXX and has since upped what I owe by over {$3000.00}. How am I supposed to make good on a past debt when the collection company uses a tactic such as this. How can Midland Funding charge me additional fees and interest when I never contracted with them, nor have I ever spoken with this Company. This is predatory and unfair to myself, the consumer, when I am trying to work out paying this debt back. I am beside myself at what to do at this point.
I received a loan and could not repay from Zest Cash. I sent it to a consolidation company that did not receive any information from this company. Zest cash sent this to XXXX XXXX. They told me I would be taken to court and my wages will be garnished for XXXX times the amount. I feel that this is a scam and want to note what I should do because I am afraid to deal with either of these companies at this point.
I filed for bankruptcy and it was discharged as of XXXX/XXXX/2015, my attorney XXXX XXXX sent all XXXX credit bureau 's a copy of the discharge. XXXX XXXX and XXXX has updated the information when I called to find out why Equifax was not updated on XXXX XXXX, 2015 a representative stated they did not receive my bankruptcy discharge, so I sent them a copy of mine. I called today XXXX/XXXX/2015 after looking and seeing that they still did not update my credit report the representative to me why do I want the bankruptcy on my report. I told her that it is suppose to be on my report for 10 years and all the balance dropped to XXXX. I then asked to speak with a manager and she hung up on me. I called my Attorney and she told me that what the representative told me was ridiculous. I called Equifax back and asked to speak with a manager again and the young man hung up on me. I then in turn called again and asked to speak with a manager and the young lady would not put me through to XXXX and said maybe she could help so I gave it a shot and told her what the issue was with my bankruptcy and the accounts still showing a balance and she told me that she see 's my bankruptcy paperwork and that they can not update the credit report because Delaware Bankruptcy court has to send them my discharge paperwork. Well I called the Bankruptcy court and they do not send the credit bureau 's the discharge paperwork. Though all this Equifax hung up on me XXXX while trying to speak with a manager.
I had an XXXX XXXX store card, and entered a payment installment plan with Synchrony Financial and closed the account in XX/XX/XXXX. The arrangement was for 0 % interest. Ive been making payments as agreed since XXXX and have not been late since I started the payment arrangement. Fast forward to XX/XX/XXXX, and I was charge $ XXXX in interest. I emailed customer service and the representative said that they charged me interest because the promotional period had ended, but I was told that I would not be charged any interest at all and would be paying off the credit card balance at 0 % interest. Why are they charging interest when they agreed not to charge interest back in XX/XX/XXXX when I began the payment arrangement?
I took out an original loan for  XXXX  dollars at their crazy 35.99 % interest rate but I needed some funds in a hurry and paid off the loan early which would have been around  XXXX  for the full term but they charged me over  XXXX  for far less than the full term and did not refund me the overpayment now I 'm looking at this after signing up for an additional loan that again I need very short term ( {$5700.0 0} ) a nd they are reporting that I owe them over  XXXX !! This is inaccurate reporting, they do not display statements, payments, and early payoff quotes correctly so they can intentionally  XXXX  you.
Changing the payment to {$170.00} from {$150.00} and the payoff is & XXXX ( more than the original loan of {$600.00} ) after 4 payments.
Bank of America has caused to be recorded NOD XX/XX/XXXX on a Trust Deed that first became delinquent XX/XX/XXXX. Bank of America has offered no explanation of the seven year delay in starting the foreclosure process with the recording of a NOD or for resting upon their laurels regarding exercising the right to foreclose. 
Bank of America has provided me with a payment history detailing a total of twenty-six regular payments and XXXX corresponding miscellaneous adjustments between XX/XX/XXXX through XX/XX/XXXX, reflecting monthly installments applied from XX/XX/XXXX to XX/XX/XXXX, for a net total of twenty-four regular monthly installments made, accepted, and applied to the home loan mortgage account under the terms of the XX/XX/XXXX Deed of Trust that is now in active foreclosure.
ERC started to report on my credit file without send me a 30 day right to dispute .... I had already paid the XXXX debt prior to them reporting and by law they have to notify me with the 30 day right to dispute.
This collection has been paid in full, but it is still showing on my credit report. I would like for Consolidate Recovery Systems to remove the account as agreed. 


CONS REC SYS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} Date Updated : XX/XX/XXXX Original Amount : {$100000.00} Original Creditor : XXXX XXXX ( Medical/Health Care ) Pay Status XXXX ; Account Paid in Full ; was a Collection XXXX ; Date Closed : XX/XX/XXXX
I completed the repayment of my loan via monthly payments in XXXX. In XXXX, I was contacted via email that there was still a small amount due as a final payment, I paid ~ {$40.00} dollars and received a letter that my debt was repaid. 

In XXXX, Navient contacted me claiming that I owed ~ {$2100.00}. I advised them that I had repaid the loan in XXXX and sent a copy of the letter. They called me again and they could not match the account closure letter to the final payment. 

The customer service person advised me it was my responsibility to provide proof. I again sent the letter. Another contact, and " maybe this is for a different loan '', but I only had one loan. I again sent a copy of the letter to a manager via email while on the call. He acknowledged that he could see the monthly payments, and the final payment in XXXX, but there were no details in the system to confirm that I closed the account. 

The loan has now moved around to three other servicers. They contact me, I send the letter. No contact for 3 months, then another servicer contacts me. I send the letter again. Next servicer.
There are three old accounts that are not supposed to be reporting on my credit. In XXXX, I was laid off and unemployed for several months. I notified my creditors accordingly and while they still reported me delinquent on my credit, they agreed to work with me in the future once I paid back my debt. Only until recently in XXXX this year, I was finally able to pay off my accounts in full. Since I communicated my situation with my creditors for months, three of my creditors ( XXXX, XXXX and XXXX XXXX ) all agreed to request a deletion to the credit bureaus of my charged off accounts after I made my payments. The account number for XXXX is XXXX. The account number for XXXX is XXXX. The account number for XXXX XXXX is XXXX. Three months later, it is now XXXX XXXX and this credit bureau still has not honored my creditors ' request to delete these three accounts from my report. I have disputed this delay with the bureau but they are responding back only stating that the accounts have been verified. That is not even my dispute. I know these were previously my accounts. I am disputing the fact that my creditor sent a deletion request and the credit bureau has not made any changes to my credit. Just to be sure I 'm not being given the runaround, I called all three companies, XXXX, XXXX and XXXX XXXX this week and they confirmed to me they already made the request for deletion to the credit bureau in XXXX. This is clearly a problem and this is why I am filing this complaint.
equifax and XXXX are reporting two negative accounts one from XXXX XXXX  and the other from XXXX XXXX XXXX.one was deleted once before under the previous debt collectors and then in XX/XX/XXXX added back on to my report.The current..I 've advised the reporting agencies and the collection agencies that these lines of credit were opened using my information without my consent. I never really checked my credit consistently until about 3 years ago and that is when I discovered these two accounts along with about 3 others which when contacted were promptly removed. The new debt collectors have also re aged the accounts to make it seem on my credit report like this is a brand new debt when in fact both the items are from XX/XX/XXXX and XX/XX/XXXX and they are reporting the accounts as just defaulting in XX/XX/XXXX and XX/XX/XXXX, because of all this inconsistent information on both of these accounts. I've disputed these two accounts over a dozen times since I first discovered them back in XX/XX/XXXX. One was finally removed in XX/XX/XXXX and then purchased by accelerated financial and put back onto my credit report in XX/XX/XXXX. All i've ever requested was for the last two negative accounts to be removed. If you look at my credit report I have over 12 credit cards for the past 3 years and not even one has ever been late ever these two accounts don't even match the consistency of all of my current accounts. I would never  take out a payday loan product to buy anything ever because it is a recipe for disaster and its classic predatory lending targeting poor and desperate people and taking advantage of their situation for financial gain and there are easier ways like establishing credit ( which I have ) and making payments on an actual credit card ( which I do ). thank you for your time
I sent several times to Navient information requested copy of driver license since they claim having the wrong birth date, copies of cancelled checks for payments not posted to the account. These Paynes made by the Bk XXXX Trustee. Unable to create a log in to check account. Unable to change payment plan sine Depatmentcof Education does not show I gave a loan. They keep saying documents can not be read.
Equifax has failed to remove a negative reporting from my credit report after repeated phone calls, mailed documents and online disputes. The item that is currently in violation of the FCRA section 605 ( a ) ( 5 ) is a XXXX XXXX XXXX account # XXXX showing a redeemed or reinstated repossession. By law, this account which did not result in a loss to the lender or the sale of the vehicle to offset the loss, does not fall under FCRA section 605 ( a ) ( 4 ) or section 605 ( c ) but under section 605 ( a ) ( 5 ) which only allows the adverse item to be reported no more than 7 years from the date the adverse item occurred. I have attached a detailed payment summary from XXXX XXXX XXXX showing the date of repossession and subsequent reinstatement as well as the fact the account is paid in full with XXXX balance with no loss to the lender. The repossession and subsequent redemptions latest occurrence happened on XX/XX/XXXX which would mean the reporting of the repossession and subsequent redemption should have been removed after XX/XX/XXXX. There were also no further 30/60/90 day delinquencies reported on this account after this date as well. This item still remains as a negative reporting as of this date despite repeated attempts to have it updated to no longer reflect the repossession, reinstatement or delinquencies. XXXX and XXXX have XXXX  updated their files to correctly reflect the paid in full status with no repossession, redemption or delinquencies since the redemption date ofXX/XX/XXXX. At this time, Equifax is in violation of section 605 ( a ) ( 5 ) and subject to civil sanctions if this reporting is not corrected to reflect the proper status of " paid in full with no delinquencies '' to be consistent with the law and what XXXX and XXXX are reporting.