WillisBack/dataset-financial-user-claim huggingface dataset:
There are so many reports concerning this organization and this issue that it makes your agency appear to be impotent and incapable of doing anything at all. Quite frankly a quick read, rite and file! Dispute Result- XXXX XX/XX/2019 Member IDXXXX. This is a major impact to us financially I and my wife. Although attempting through letter and On Line Multiple times- telephone and fax we can not get through via any medium they provide. Wrong numbers, Emails that do not work and Computer access that fails and the reports remain incorrect. While negatives are reported immediately and even if wrong it takes months to remove or repair [ as this report is witness to ] Their safety valve of they only report contact the creditors is confirmed within this report by the fact the creditors do not respond quickly and have no need to. The fact they never respond to the inquiry of offshore processing of citizen information is of itself a confirmation of who they are and your lack of concern and or ability to act is of itself and by a opinion a great charade. Balances when wrong reported immediately while latest balances take months an paid accounts even longer. The attempt by opinion to deliberate keep us indentured producing less than favorable credit scores and higher interest rates. The so called security free a farce and lie by their own words. Do we expect anything from your organization- NO- " you shall know them by their fruits '' and the both of you and the others who called themselves reporting agencies or Consumer Protection mere labels. If this any honor or credibility please have the reports updated correctly or develop legislation to inhibit slow response by the creditor and non immediate updates so the reports are maintained real time! So much for the good the decent and the honorable!
The following accounts are not mines nor do I have any relationship with these companies. I'm asking that these accounts be blocked/ removed or verified with detailed Methods Of Verification that will not only state who, when and how these accounts were verified but also providing me with physical documentation as stated within the laws of the FCRA. The following accounts are, ( A ) Rent Debt {$2100.00}, ... ( B ) XXXX {$280.00}, and ( C ) MO Child Support {$22000.00}
***To whom it may concern**** I have noticed that US BANCORP have placed an inquiry on my XXXX  credit file dated XX/XX/18. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to  inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. XXXX report that you US BANCORP pulled a hard inquiry. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; ''
I was contacted by a company XXXXXXXX XXXX XXXXXXXX on XXXX XXXX 2017.  They only call by a blocked number. They called my husband discussing a debt that he had no idea about. The debt is not his. They threatened him that if a payment was not made they will garnish his wages and take his tax returns. When I was able to finally talk to someone at the company they were discussing a debt owed to a company by the name of Military Credit Servies it XXXX XXXX XXXX. The debt is not listed on my credit report, this debt is also 4 years old. The gave me an amount that was higher than I though and demanded if I dont pay the full amount or a down payment that they will garnish my wages and take my taxes. I couldnt afford that down payment so we made an arrangement until the down payment was paid fully and then monthly payments after that until the debt was paid off. Something did not seems right as if it was sketchy so I attempted to contact the original company I originally got the loan from but they could not provide me any information. They said it was sold so they could not provide any information. I contacted XXXXXXXX XXXX XXXXXXXX again trying to get the details of the original loan and what was the amount owed. I wanted to see previous payments and when the payments stopped etc. The guy was pretty demanding and hostile so told me if I keep calling his office to get information he will take off the deal and just garnish my wages and my husbands. He could not provide me with any original details of the debt. He told me to contact the original company. The original company told me to contact XXXX XXXX XXXX. Neither one of them are able to give me anything. The attempted to charge my account for the down payment but I never signed and return the agreement to them until I knew for sure what was going on. They attempted to contact me again saying that they will file a suit against me to garnish my and my husbands wages. I am still not able get any information about this debt.
On XX/XX/XXXX, I called Transunion to remove inquiries that I did not authorize. I ask to speak with a US Representative. I was connected to a US.representative and as he was confirming the inquiries which inquiries needed to be removed the call got disconnected. I called back and was connected to different US Representative. I explained to him what happened and how the previous US was in process of removing the unauthorized inquiries that were reporting on my credit report. He told me that he was not able to delete or dispute inquires. I explained to him that the previous representative was in the process of deleting my unauthorized inquiries and how is it that the previous US Representative I was speaking to could delete inquires but he wasn't able to. The US Representative was very rude and didn't care to help me address this issue. He stated that I could not be connected to the previous US Representative. There is a total of of 9 inquiries from XX/XX/XXXX-XX/XX/XXXX from car loan places in which I did not authorize to pull my credit.  •	XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX (XX/XX/XXXX)•XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)
We applied for and received a Trial Period Plan toward a modification from Caliber Home Loans. 
The first payment was applied on XX/XX/2016 to the 'Transaction Activity ' on the XX/XX/XXXX statement. 
The second payment was applied on XX/XX/2016 to the 'Transaction Activity ' on the XX/XX/XXXX statement, and then removed the same day. 
In a letter dated XX/XX/2016, our check was returned. 
We sent a replacement check with a letter on XX/XX/2016 outlining the fact that this check was intended as the second payment on the Trial Period, and requesting this payment be posted XX/XX/2016, the original date it was received. 
Caliber again returned our payment, along with the same form letter. 
Our XX/XX/XXXX payment was received today, XX/XX/XXXX, and we are concerned that Caliber may deny our modification on the basis of late or missing payments. 
All payments were sent by Certified Mail.
On Sunday XX/XX/XXXX I purchased 3 comic books in 3 separate transactions through paypal/XXXX. One purchase was {$500.00} XXXX XXXX XXXX comic book XXXX graded at 2.0 and paypal charged me a fee of {$14.00}. the 2nd transaction was for {$200.00} XXXX XXXX XXXX XXXX graded 9.0 and paypal charged me a fee of {$6.00}. 3rd purchase is for {$200.00} XXXX XXXX XXXX XXXX graded in 9.4 and paypal charge me a fee {$6.00}. In all 3 separate purchases totaling {$920.00}. I filed a dispute with Paypal since the seller has cut off all contact with me. I have tried reaching the seller by phone and through messages and haven't heard anything. My comic books should have shipped by now. I'm requesting paypal refund me my {$920.00} since I haven't gotten what I paid for.
I received a deletion letter from a creditor to remove an account from my credit file and inform Transunion about the information. Transunion told me if i can fax them the deletion letter they will remove the account from credit file within XXXX business days. Therefore, I fax Transuinion the deletion letter but Transunion told me they are not going to accept the deletion letter. I asked Transunion to send me a letter in writing why they are not accepting the deletion but they are refusing to send me any correspondence in writing and also refuse to delete the account as per request by the creditor.
I purchased a vehicle in XX/XX/2016 and the finance company was XXXX XXXX XXXX XXXX. They sent over this list of criteria the dealership had to meet in order to allow the loan. Long story short the dealership used deceptive practices and sold me a car that was not only grossly misleading of the condition and history of the vehicle it didn't meet the criteria for the loan either. I sued the dealership and won. XXXXXXXX XXXX  will not review my loan nor let me out of the contract even after I explained all of this to them. They constantly harass me every single month even though I make my payments faithfully. I do not want to continue paying for a car that the dealership dose n't even want it back due to the fact I have exposed them and the fraudulent practices they used to get me in the car in the first place. I have already paid about {$10000.00} to this company and if I have to sue them too for having knowledge of the fraud the dealership THEY ARE COOPERATING WITH then I will.
My account has been frozen since  XXXX   XXXX . I am unable to login, move, or withdraw funds. These are funds I depend on for my living expenses and Huntington bank has not given me any time frame or answered any questions regarding the freeze.
I was out of town when my payment was due and received phone call when I returned. XXXX of XXXX is spoofing a XXXX XXXX XXXX phone number. I had declined that number several times as I have no business with XXXX  XXXX XXXX. The XXXX agent never left a voicemail. But becoming frustrated with calls from " XXXX XXXX XXXX '' I answered and agent introduced herself as a XXXX Agent. 

I don't agree with this practice at all and believe it to be fraudulent. I would have answered the first time if the caller id was identified correctly!
Synchrony Financial otherwise known as Synchrony Bank started sending me text notifications in  XX/XX/XXXX regarding a debt for a Wal Mart credit account. I called them up and informed them that I am not the owner of the account, that being a gentleman named   XXXX   XXXX  .
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The customer service agent informed me that I would no longer receive text messages from them. Unfortunately, this was not the case. I continue to receive text messages from them regarding this debt. I have called 10-15 times regarding this and each time, I am informed that this should stop happening. The latest text message came on Saturday  XX/XX/XXXX  at   XXXX   XXXX   from a   XXXX   number.
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The message reads : FRM : Synchrony Bank for your Walmart Credit C SUBJ : Account Alerts MSG : The balance on your Walmart Credit Card has exceeded {$500.00} I am not able to provided dates regarding previous text messages and phone calls. However, I did call them 4 times in  XXXX  at a minimum. I have tried being polite with them and I have tried being a complete asshole. Neither tactic has worked to getting them to stop.
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The debt associated with my cellphone is not mine and I am fed up with being constantly harassed over this debt.
Per the Equifax breach website, my personal information has been compromised and my credit history is at risk
I am a customer of Ditect Financial LLC and I have a mortgage loan with the company. I have been regularly paying off my monthly bill without any delay every month. And I have been doing this through a standing instruction through my bank. In the month of XX/XX/XXXX, my premium increased by {$28.00} from a monthly payment of {$1600.00} because of an annual rate change.

Since I had set the payment method as automatic, my bank sent them the old amount of {$1600.00} which was short by {$28.00} in XX/XX/XXXX. As soon as I realized the problem, I made the additional payment of {$28.00} within 30 days. However, when I received by bill dated XX/XX/XXXX, I was slapped with a late charge of {$82.00}.

I called Ditect to explain the situation and requested them to waive the late charge since I thought it was unfairly high and more so because I have not defaulted before and that too it was a genuine oversight which I corrected immediately. They refused to comply stating that the fee was justified. I requested to talk to the supervisor who also declined my request.

I am being asked to pay a fee of {$82.00} for a late payment of {$28.00} by about 15 days.

Ditech seems to be engaging in unscrupulous and unfair means of collecting additional fees from its customers. I would like the situation to be rectified.
XX/XX/XXXX. I called Quality Asset Recovery, LLC in reference to two bills I received in my name. The creditor is XXXX XXXX XXXX XXXX and the bills were my children 's ; XXXX XXXX and XXXX XXXX. I called at approximately XXXX and asked to discuss why these bills were in my name. I spoke to a " case manager '' for this debt and asked politely for him to take the bills out of my name for they were not mine. He ignored me and asked me if they were my children I responded yes. He then said " well if they are your children they are your responsibility ''. I stated they were not my responsibility and I know my rights. He then started to harass me and intimidate me into trying to pay these debts. I told him if he did not take my name off of both debts then I would contact the Federal Trade Commission. He then said " well the best I can do is file a dispute ''. I then stated fine and I am still filing a complaint because of this situation. My information should have never been given to anyone from XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX, NJ XXXX. Also the dates on the notice for date of service is wrong it states XX/XX/XXXX. At that time my son and daughter were not living in this area. These bills are for cancelled appointments not even for actual services rendered. Pointless just a way for them to scam consumers. I am very upset that this creditor send my information to this debt collector. My information in none of their business and I wish to have my name removed from these bills and their data base. The one bill is in my correct name XXXX XXXX with an account number of XXXX, date of service XX/XX/XXXX. The second bill is is in the wrong name of XXXX XXXX, with an account number of XXXX, no date of service listed. Please have my name removed from these bills and do something with XXXXXXXX XXXX XXXXXXXX XXXX for selling my information without my permission. If you need to contact me you may do so by email XXXX for cell phone XXXX.
I have  XXXX  private smart option loans with Navient. The interest rate on  XXXX  loans are 8.75 % and the other is 10.75 %. The 8.75 % loans are in the amount {$50000.00} total and th e 10.75 lo an is {$36000.00}. When I graduated college in the   XXXX   of  XXXX , I had trouble securing a job that could help me repay my loans. After 6 months of graduating, I started to receive back to back calls from  Navient who threatened me to pay back over {$900.00} a month on my loans. My co-signers, are my retired gr andmothers who live on a fixed so cial security income and can not help me. I 've tried to lower my payments various times, but Navient wi ll not lower the payment amount to a number I can afford to pay. In  XXXX   XXXX  I have finally started a new job with better pay and have communicated with Navient that I need time to catch up on my finances and have even paid deferment, but they are calling me every other hour from  XXXX  to  XXXX  threatening me to pay and outrages amount. There are no options for me to lower my payments every time I speak to a loan customer service representative  at Navient. Navient tactics are to threaten people and harass them to pay. This company does not factor in financial circumstances, income, or the job market.
There are many inquiries on my credit report that I did not authorize, XXXX from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX Chase Bank has multiple inquiries from XXXX XXXX XXXX This inquiries were never authorized by me and I would like them removed.
I have sent several disputes to XXXX, Transunion and XXXX  for correction but everything keep coming back as verified and that is n't the case 1. My personal information has been put on a freeze with XXXX XXXX on XX/XX/XXXX but XXXX, Transunion and XXXX states that my bankruptcy has been verified through XXXX XXXX on 3 different occasions and the same for a Tax Lien with XXXX. 2.XXXX keep stating XXXX XXXX Credit Card is verified as  Open when my dispute clearly states that it is to be charged off with bankruptcy and after speaking with the company it is still closed so their verification is not reliable. 3.I tried disputing late payments with XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ), XXXX ( XX/XX/XXXXXXXX XXXX ) and XXXX for student loans but keep getting the run around stating its nothing they can do because my account has been transferred to XXXX XXXX but XXXX XXXX would not address the issues of original creditors 4.XXXX reports late payments from XX/XX/XXXX-XX/XX/XXXX, and XXXX XXXX late payments XX/XX/XXXX-XX/XX/XXXX all when I was under a open Chapter XXXX 5.All 3 bureaus added my old names back to account and will not removed misspelled with pass addresses names off along
I sent a letter to Equifax to verify some information regarding debt collections showing on my account. 
They have not sent me any information back regarding the verification of this debts it has been over a month I'm asking for these debts to be removed from my Equifax Credit Report as they are hurting my credit worthiness.
Escrow payment went up and I made a payment for the old amount ( accidentally ). I realized the error of my ways and paid the added escrow amount. During the time I made the XXXX payment and the XXXX for the escrow account, the bank did not apply the payment to the mortgage. I called to register a complaint about this practice and the agent put me on hold as he tried to figure out the issue, though I already explained to home what happened. Once he called someone to figure out what I explained, he tried to explain to me what happened, which was not accurate. He said they did not hold on to my payment and not apply. Then he realized the error and explained it correctly. I asked repeatedly to register my complaint and all he wanted to tell me is that is how the process works. I even said I was going to the CFPB and he still would not acknowledge filing my complaint. Throughout all of this he said if a customer makes an overpayment that they will not apply the funds to principal until a full payment is made ( principle and escrow ). Th is not acceptable for a bank to hold on to funds when they should apply to the outstanding balance. It is also not acceptable for someone to have to spend XXXX trying to log a complaint and receive push back from the telephone agent. He made a bad experience worse
I check my credit report with Experian regularly and there is a negative account on my report. I have disputed this with Experian but they say that they can not see this on their end but it comes up on my credit report and they have not fixed it. I always ask which account is negative and they can not provide me with an answer. Every time i dispute this with Experian they ask which account it is that i am disputing. I have no access to that information because on my report it only says that i have on negative account but it does not tell me which account is negative or by who. I am frustrated as i have been disputing this for more than 3 months already.
I opened my new checking account with Citi Bank in XX/XX/2018 and met the requirements for the promotion offer of XXXX . It has been more than 6 months and I have not received any bonus. I called the customer service several times in the past few months but no any response. I request the Citi honor its promotion offer as advertised.
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law.  Midwest Recovery h as been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.
The original creditor, XXXX XXXX XXXX charged off the debt and sold it to XXXX XXXX XXXX. Who then hired a third party, Northwood Asset Management Group to collect the debt. Mr. XXXX of Northwood Asset Management Group threatened me with criminal fraud charges if I did not pay either the full amount today or make arrangements today. They did get my debit card # information with the arrangements. But then, I started questioning whether they can do that to get their money. Thats not legal, after speaking with a consumer protection attorney in my state. I feel this debt collector broke federal law and wish for them to be pursued for their actions. Also, when I told them I could only afford $ XXXX/month, they refused that amount and forced me to pay them $ XXXX/month to keep from being criminally prosecuted. Which is illegal, also.
I cosigned a loan 10 years ago for my cousin XXXX XXXX, I believe it was a private loan. I called XXXX XXXX, they sent me to their collection agency XXXX XXXX XXXX. I spoke to a rep named XXXX and explained the situation and told me he was authorized to settle the account in full. The amount owed was {$8400.00} full settlement amount was {$4300.00}. 
I told him I could pay with a credit card but I needed receipts and a letter showing that the amount was paid in full. I received letters stating exactly that. 
I reviewed my credit report and XXXX had not updated my settlement. They reported to the credit agency that I was not paid in full. It shows a balance of over {$5000.00}. 
I have the letters sent ny XXXX XXXX XXXX stating I am paid in full but XXXX is not honoring the settlement and has reported to the credit bureau 's that I still owe money on the account. 
My cousin has disappeared no one in the family know his whereabouts, I 'm trying to settle this in good faith I called XXXX XXXX XXXX and spoke to XXXX XXXX on XX/XX/XXXX when I questioned why is there a balance still showing on my credit report she tried to extract the rest of the balance from me and I told her I already settled. She continued to say that I owed the difference. I then told her that I 'm calling the dept of Education and the dept of Consumer Affairs, she changed the whole script, she then told me that my account was closed with a XXXX balance.
I have never resided at this addresses listed under " Associated Addresses ''. The other addresses are correct. 

Equifax XXXX Former Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UTAH XXXX
Mortgage was taking out in XXXX with XXXX. Due to divorce and declared bankruptcy. I have been trying to work with XXXX since XXXX to have my mortgage modified. I also made payments and applied for modifications. After being denied modification I stopped making payments on the loan. 
Currently I am not sure who owns the loan or services. As I have never gotten a formal letter notifying me. I receive a bill from M & T and Service request from XXXX XXXX Servicing on mortgage refinancing. 
I also searched my loan and noticed XXXX XXXX may own my loan.