WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to dispute the following information in my file. I recently received a copy of my TransUnion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible   XXXX   (  XX/XX/XXXX  )   XXXX   ( XX/XX/XXXX  )   XXXX   XXXX   XXXX   ( XX/XX/XXXX )   XXXX   XXXX   (  XX/XX/XXXX  )  XXXX  (  XX/XX/XXXX  ) I have sent the company multiple letters trying to get this resolved.  XXXX  has resolved the problem but TransUnion has not.
I received a call from  XXXX   XXXX  of  Global Trust Management  today stating he previously left a mesage with  XXXX   XXXX  in regards to the debt. I explained that I had not receieved any message. He then wanted me to provide my date of birth, I told him due to the amount of identity fraud I refuse to identify any information and all communication should be through the mail. He stated he needed to verify my identity before discussing the debt. I again refused and asked him to send all correspondence through the mail. He stated the address and I said yes send all replies via mail. He then proceeded to discuss a debt stating I do n't have a paid in full letter and he is reaching  out one last  time before he decides what to do with it. I have heard nothing from this company or gentleman nor have I received correspondence un the mail in order to dispute. He then became belligerent at which time I disconnected the call.
I have 2 Citi Double Cash credit cards. I can change the due date on one but can not on the other ending in XXXX. After pursuing this for almost a month and being given various misleading answers, I was informed today that no Citi card may change their due date till XX/XX/2019 as they are increasing the Late Fee on account to {$39.00}. So ... if a person has issues with making payments by a given date, due to payroll date issues or even Govt Shutdown issues, Citi would rather the customer and their families incur ADDITIONAL Late Fees instead of allowing them to change their due date and assist the cardmember? I can understand operational issues, but not allowing millions of cardmembers to change their due date for Over SIX months is simply ridiculous and Evil! Also, one of my cards, which is identical to the other one, can in fact change the due date, so the original statement made by Citi was a blatant lie. Citi also indicated that if I wanted to change my card type to another product with a Big Annual Fee, I am actually permitted to ... .so any changes that Benefit Citi are A-Okay, but changes that could help a cardmember manage their finances ... not a good thing for Citi .
ERC is still trying to collect a debt that was included in the bankruptcy. I also was a victim of identity theft. I filed a report with the federal trade commission.
lvnv funding is reporting on an account that has been deleted and is at least 7 years old. the original creditor is not even reporting on my credit report anymore
There is an error in reporting of payments posted to an account. Wells Fargo issued an Overdraft fee that in my bank register I can not verify ; however, the bank can see the Overdraft and say there is no error on the banks part for the posting order.
DITECH FINANCIAL, LLC has force placed insurance without any reasonable basis. Further, DITECH FINANCIAL, LLC has been provided with proof of insurance and has, over the course of more than 1 year, actively and knowingly refused to acknowledge its misconduct. There are several letters and other correspondence with DITECH FINANCIAL, LLC representatives, including correspondence in which the borrower repeatedly provided written proof of insurance as required under her Deed of Trust assigned to DITECH FINANCNIAL, LLC. The borrower was forced to retain counsel because DITECH FINANCIAL, LLC is systematically ignoring the borrower 's provision of written proof of insurance. This is very worrisome. It appears to be a knowing and intentional violation of Regulation X of the Real Estate Settlement Procedures Act. 

Currently, DITECH FINANCIAL, LLC refuses to withdraw its force placed policy despite having received written proof of insurance as required under the Deed of Trust. Based on the written correspondence which DITECH FINANCIAL, LLC has received, there is no reasonable basis to believe that the borrower has failed to maintain hazard insurance as required under the Deed of Trust.
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX   XXXX and XXXX XXXX XXXX
Midland credit management keeps calling even after I tell them that to stop calling XXXX XXXX wanted to keep me in a contract I was never aware of it when I cancel my account they started to send me diferente amount increased by the day from {$450.00} went up to {$1000.00} this account is from XXXX or XXXX it 's really old I did n't think they have going XXXX got into my bank account and got the money I make a complaint with my bank and they return the entire amount XXXX have my account information and that is how XXXX is been trying to get money I do n't owe now they have midland credit management calling at all the times but they do n't talk they only stay in line and then hung up the phone I have been harassed by XXXX robbed and now they have midland credit management doing the same
Students loans duplicated and were paid off showing on credit sent dispute to have them removed. Still showing need to be removed. 

XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX/XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX/XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$750.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX/XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00}
I signed a contract with a third party organization. I was told the company works with the US department of education in the Obama federal forgiveness program to consolidate my loans. I pay the company XXXX a month and the only two options to leave the contract is pay them the full XXXX or the continuous XXXX a month. I do n't know where the money is going. I do not believe it is going towards my federal student loans. I have {$44000.00} in subsidized and unsubsidized student loans. I am single, living on my own, working in a XXXX job and i am XXXX hours away from home without a car. Im a recent 2016 XX/XX/XXXX college graduate and im making it on my own. The company has my bank information and home address. If i leave the contract they will garnish my wages and seize my taxes if i do not communicate with them or pay them. Im fair and honest. They can have the previous payments but i do not want to give them any more money because i cant afford it and i am already going back to school this semester for more schooling. When i called my loan servicer i was told that my loans are at default {$0.00} and it has not been any payments made yet. I didnt set up a payment plan with my loan service neither.
Account # XXXX opened XX/2009 Account is in open account in good standing balance is incorrect and account is not in collection. Account is current and their is no past due balance. Account is being handled by XXXX XXXX.
I Am having A Problem With XXXX Credit Report Agency With Something About Chase Showing On My XXXX Consumer Report please help me with this problem Chase Bank Closed My Account Without My Permission And Wont Allow Me To Open Any New Accounts Because Of A Fraud Account From The Pass Showing On My XXXX   Report Please Help me with this
I opened a checking/savings account package with Citi Bank through a promotional offer. The offer was that if I maintained a combined balance of {$15000.00} for XXXX days, Citi Bank would give me {$400.00} within XXXX days after the XXXX day balance requirement was met.

I opened my account on XX/XX/2018. The {$15000.00} balance requirement was fulfilled on XX/XX/2018. XXXX day requirement was met two months later in XX/XX/2018. XXXX days had passed in XX/XX/2018. I called Citi Bank as I had still not received the bonus. The customer service representative could not help me and opened a case to investigate. Case was opened on XX/XX/2018. I called again on XX/XX/2018 as I did not receive any updates. The customer service representative had no updates and had no information on the investigation. The representative told me to continue waiting. The representative offered to open another investigation, however could not provide a timeline of when the investigation would be resolved.

Citi Bank shows no urgency or respect for my time, nor do they show that they care that they are misleading their new customers with a false advertisement promotion.
I did not apply for credit with XXXX on XXXX/2016. Also, I never lived at XXXX in XXXX GA XXXX at any time.
This complaint is in regards to the false reporting, False information and poor privacy and security of thr Bank of America in XXXX California where I had account with them since XX/XX/XXXX to XX/XX/XXXX. My account was compromised due to lack of their efficiency to resolve or to atlest have a better communication within their departments. I am fighting to attain my lawful rights and clear my name through XXXX where they had reported me even I disputed that amount of {$810.00} and i kept on sending them IDTheft documents and BOA never investigated that issue and where the funds went because those funds were made available to me and was never had any problems with it and they never received it back so unknown person came in and took my money. The next thing i knownisbthat I am receiving the calls from Collections and investigations firm called XXXX XXXX XXXX XXXX. I then sent out XXXX XXXX affidavit of Identity theft with explanation and after their investigation thry cleared me that you are zero liable and they should return your XXXX. First of all reporting to XXXX system knowing the account holder is victim of IDTheft and it 's a violation, Collections is another violation because I had suffered a lot because every bank i would go they would n't let me open an account. I was very disappointed and discriminated because of their wrong doings and even now when everything rechecked ro it 's conclusion and the Fraud and if theft department specialist named XXXX and said it 's all cleared just send in the XXXX paper saying they had stopped the collections due to the investigators proved that I am zero liable and did n't do anything wrong. Since 3 years I have been asking them and they are making me go from one department ro other and no one seems to help. Secondly, then BOA 's cancelling my checks alia also a illegal act for which I am going to report then to XXXX and XXXX XXXX.
I applied for a jointly held Checking Account online with Citibank. I had thought I could apply online and fund in person the same day, which this bank is apparently unable to do. Due to this, my husband had to open a second, sole owned, account in person at the branch. We opened the account in order to receive a credit on closing costs for a mortgage loan. Two weeks later, I called Citibank to close the jointly held account. I placed my call shortly after XXXX PT, while unpacking our new home. I was informed that the account can not be closed by the customer service line, apparently some 'new account ' department had flagged the account and would n't allow anyone but them to close it. I insisted upon an escalation and was told an after-hours form was being submitted to close the account. Three weeks later I received checks in the mail for this supposedly closed account. I called a second time and was told again that a hold was placed on my account by a 'new account ' division and it was preventing anyone from assisting me during the hours I am able to call. Again the representative claimed a form was being submitted and the account would be closed. The next day I went into the branch, during normal business hours, closed the joint account with a {$1500.00} balance, yet STILL could not close the {$0.00} balanced account. The store managed then informed me that a fraud department had flagged the account and even they were unable to override it. How can it be legal to hold a customer hostage like this? I am trying to ensure that no monthly service fees are charged, thus causing an overdraft on an account I do not want or need. How could TWO different customer service reps give false information that they are closing an account, the second representative claimed I would receive a confirmation email of the account closure that never happened.
Navient keeps adding balances to my loan account. This is adversely affecting my credit score. I am currently in the process of financing and their frequent updates are detrimental to this process. Navient did not have my correct contact information and I was not notified when my loan was taken out of forbearance.
I took out the loan in XX/XX/XXXX with XXXX XXXX/Navient for the amount of {$23000.00}, the school I attended was XXXX XXXX University in XXXX  Georgia. XXXX refunded XXXX XXXX/ Navient the amount of {$7700.00} on the date of XX/XX/XXXX. Then reducing my balance due to {$15000.00}. Navient failed to provide me with the paper work showing my reduced loan balance that was due. Navient failed to provide me with the paper work with my updated reduced interested rate, and they failed to update my account online ( navient.com ) reflecting this change to my account, my account never reflected the reduced balance, nor the reduced interest rate. Navient has continuously charged me an illegal amount of interest and fees. I had to contact Navient and provide them with my updated contact info only to be informed that my amount due is {$36000.00}.
I have been paying on this loan since XX/XX/XXXX- XX/XX/XXXX ( view paperwork it is highlighted ).
Navient has been reporting incorrectly to the credit bureaus as FAILURE TO PAY. Navient has been reporting the incorrect original balance of the loan.
Navient has reported the loan as closed/charged- off and has been continuously reporting false, fraudulent, incorrect information.
Please view the paperwork I have attached. It will show the payment history over the life of the loan to navient as well as my credit report that has the incorrect balance and payment history remarks.
I respectively ask that the dates from XX/XX/XXXX - XX/XX/XXXX be removed and set to current. I also want all loans older than 6 years off of my credit report, as that is more than the SOL ( statute of limitations ) for my state. I request this error be corrected ASAP ( AS SOON AS POSSIBLE ), as Navient is doing illegal collecting and reporting practices.
Recently my family have been faced with unavoidable documented finacial hardships. My Wife "  XXXX XXXX '' and I, informed Avant of our finicial hardship. We ask Avant to work with us and informed XXXX of our goal to avoid Chapter XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need Avant to work out new repayment terms. We were unable to to Pay the Current excessive interest rate on our loan and we were unable to Pay current excessive monthly payment.. I was incouraged to reach out to all lenders to work out to Avant to work out a fair affordable repayment plan prior to Chapter XXXX bankruptcy. 


I also let Avant know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate and loan origination fees. 
Avant has also threatened to sue me and refused to work with me. 




Avant refused to work with us in regards to our documented finacial hardship and telling us we will be sued for if we do not pay on current loan terms. 
Avant is refusing to work out an affordable repayment plan so I can avoid XXXX XXXX Bankrupsy by lowering my interestrate and montly payments. 
I feel taken advantage of by Avant I feel Avant took advantage of a Veteran who had a credit score of XXXX when I was provided an excessive interest rate and loan origination fee 's on my loan and with excessive montly payments on a {$2500.00} loan. Unfair lendin I was never sent a default letter my email nor by mail, Avant is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan. 

Loan # XXXX
My student loan is reporting late payments for XXXX and XX/XX/2017 2017
I have attempted to resolve multiple times an error with one of my accounts being reported to Experian. Every time they have failed to correct the mistake. One of my credit cards is incorrectly being reported as " previously in dispute, dispute resolved by grantor '' on my report. This was never true. I have contacted the bank in question ( XXXX XXXX XXXX ) and they have stated they sent the update to delete the " comments '' section of the tradeline to reflect no comments. Experian has denied my dispute request on multiple attempts. All comments should be removed from this tradeline to reflect the ACCURATE status as never have been disputed by me.
Mobiloan should not be allowed to conduct business in the United States. This company is a Predatory Payday Loan business where the consumer is charged over 150 % on a loan. For example, one borrows {$1500.00} and is charged an upfront fee of {$150.00} to do so and given XXXX weeks to pay in full prior to incurring an astronomical " fixed '' daily finance charges. Even though the company 's representatives ( XXXX, ext. XXXX, among others ) state that it 's a daily fixed rate they never give direct amounts. I have heard about predatory lenders like Mobiloans and tried it for myself and can not believe that the Consumer Financial Protection Bureau lets them get away with " ripping off '' consumers who need short term financial assistance. This is disgraceful and I hope that CFPB is not just a Government Agency to ignore this predatory behavior and will get to the bottom of this on behalf of consumers having financial difficulties and do not take the time to read the fine print. Mobiloans can make a profit but not over 150 % to the consumer. Mobiloans , LLC with a physical address of XXXX, LA XXXX.
Closest option that I took to best describe my problem. The problem is Experian. Their was a 90 day fraud alert placed on my three credit bureaus in XX/XX/2018. I need to know if that has been lifted from Experian as the 90 days has been past. Every time I call them I can never get through to them. They either do not recognize my number or a never ending ads saying for example that I can win a trip to this place or that place. Things like that. I can never get through to them ask them if the alert has been lifted. It if has not could they tell me what I need to do to lift it.
XXXX tellers to assist all customers on XXXX of the busiest days of the year, XXXX XXXX XXXX XXXX. Waited more than an hour to make a withdrawal.
I was under the impression that I was apart of a loan forgiveness program. Equitable Acceptance starting contacting me at the same time that I was in contact with XXXX. Acting as though the XXXX were affiliated. After speaking with customer service with XXXX and telling them about a referral fee that I was promised and never received and a {$49.00} monthly fee that I was responsible for, the customer service representative said there was no referral fee or a charge. I was told that under no circumstance that I should never be charged for these kinds of services. The total " Loan '' is for {$1300.00} with monthly payments of {$49.00} for three years. Now that I am aware of the XXXX not being affiliated with each other, I am now paying for something that is supposed to be a free service and if I do n't, it will be on my credit report. I 've tried contacting Equitable Acceptance only to be put on hold or told that they were going to connect me with a supervisor, who never came to the phone. How is personal information shared and what can be done to prevent this from happening to others?
Chase on XXXX in XXXX Indiana has closed my Prepaid Card for me using, my Check Deposit on my Account : ACH:XXXXand on a Account The Federal Judge In XXXX did, Put in Affect so no one but me see it in my Account in my App in my Bank Account ACH Account:XXXX, Chase Representatives could not see Account????????? and Chase Bank closed, and stopped my check deposit for no REASON this was my money from my Littgation in XXXX Indiana
OCWEN Loan Servicing LLC serviced my loan from XX/XX/XXXX until I sold the property to an individual ( not a bank ) in XX/XX/XXXX. Last week I applied for a new mortgage loan with both XXXX XXXX XXXX bank and XXXX XXXX XXXX and was declined by both due to a foreclosure reported on my first and second mortgages by OCWEN on XX/XX/XXXX. When the banks ran the application everything on my credit looked fine and I was pre-approved, but when the banks submitted the application into XXXX XXXX, that is where the incorrect foreclosure information was found. I made my mortgage payments when I was able and sometimes they were late, but my loans were NEVER foreclosed upon. I did receive some threatening letters from OCWEN at times when I made late payments, but I was never notified of a foreclosure process or served with any type of legal papers regarding a foreclosure. This information is completely false and I have requested that OCWEN have this false report removed immediately. I am still awaiting an answer from them if this will be done. Unfortunately since the false foreclosure is not showing on my credit report and only in the XXXX XXXX software, I am unable to dispute it with the credit bureaus. I have also accessed my entire payment history with OCWEN and compared to the information they reported to the credit bureaus and there are numerous payments that have been inaccurately reported. For your reference, I have attached a copy of my payment history with OCWEN, a copy of my credit reports with payments reported by OCWEN, as well as a spreadsheet with what I believe should be the correctly reflected for each month that I had a late payment. Please let me know if you will need any additional information to research. Thank you very much!