WillisBack/dataset-financial-user-claim huggingface dataset:
I have an account from a creditor reporting erroneous and incorrect information to Experian, reporting on my personal credit file. I reached out to the original creditor XX/XX/2015 requesting they verify and validate the debt they claim I owe them, because of an issue with identity theft I had at the time the bad information began to report. Thecreditor refused to send me historical information about the account and directed me to dispute my inquiry with them directly with the credit bureau ( violation of my rights under FCRA ) I then disputed the accounts with Experian, by certified letter, asking them to delete the account from my bureau because the creditor was purposefully reporting bad information. 
Experian " investigated '' and reported back to me that they were only requiredto validate my accounts. They remained on my reports. At this point, Experian accepted information from the creditor, knowing it was in error, because they had proof that the creditor refused to provide me, the consumer, with they information I requested about the accounts. It is my understanding, by law, if I dispute an account with a creditor, they are to mark the account as in dispute ( they never did, another FCRA violation ) and not report additional information to Experian until they provide me with documentation validating the the amount of the debt they claim I owe them. I never stated to them that I refused to pay, only that I wanted proof of accounting of the debt, because I believed they allowed charges on my account that I did not authorize. 
I then requested by certified letter, for Experian to provide me with the Method of Verification that they used to continue to report bad information on my report, requesting that they send me the documentation that they received from the original creditor, and theyonce again refused to provide. They also stated to me that my re-investigation requests were excessive and irrelevant. I was being put in a corner because the creditor directed me to Experian, Experian directed me back to the creditor, and no one was giving me answers about the information this creditor is reporting to the bureaus. 
I believe Experian is processing my requests through their automated system XXXX, only. They are not reading or reviewing any documentation that I send to them, nor are they asking the creditor to investigate. They are taking the same information that the creditor has been giving them as if it is correct, knowing that I do not agree with and have been given no chance to review or dispute what is being reported while knowing that the creditor will not prove the amount of the debt they claim I owe them. 
I am lost as to what to do at this point, I am not able to get answers from anyone. This account is hurting my credit and my credit score, blocking me from getting new credit to re-establish myself. I want this account deleted from my credit report, this creditor needs to be investigated and a proper investigation should be done per my rights under the FCRA.
a leasing agreement was opened under my social security and name with XXXX in XXXX. XXXX payment was made and the account was considered abandoned. They continue to report that this account is " open '' on my credit report when the account should have been sent to collections and closed after all these years. I want the account sent to collections and closed. No payment has been made since XXXX
Equifax mishandled my credit information and because of their breach I am now listed as a potential victim according to their equifaxsecurity2017.com website.
To save money, the company has not properly placed the security measures necessary to handle the sensitive credit information they hold, and their actions have harmed 137 million people. Their executives were reportedly aware of the breach and chose not to report it to the public, and instead elected to sell a significant amount of their shares outside of 10b5-1 scheduled trading plans just days after the breach. They need to be investigated for insider trading and face prison time.
I am being offered to enroll in their complimentary identity theft protection for one year, however the magnitude of this incident may affect me for many years to come, if not forever. I would like a resolution on this matter.
I owned a home in the XXXX area. XXXX XXXX XXXX XXXX XXXX is not doing a great job at all. I encourage you to read all the complaints of Bank of America from consumers. I honestly had the hardest time with the banks, and the banks are whining? I was never reimbursed for a check fraud complaint with the XXXX with BAC. I had lost my job, my car and wanted to short-sale my home. The XXXX answer was there is nothing we can do about it. 
I wanted to short-sale my home sooner but the Management Company of my condo refused to provide the realtor with the keys. I filed a motion to stay the sale. The Bank never called me. I filed several documents that were requested as a home modification. I am working part-time and I filed all my hardship documents. 
My realtors attorney filed the correct paperwork, and the bank lied and said that the documents were not there according to XXXX XXXX at Bank of America when XXXX XXXX stated all I needed was a copy of my license and this was all I needed. In fact, I know the bank lied because an employee of the bank requested that a XXXX form re-completed by XXXX XXXX, which was in part of the attorneys documents. The foreclosure attorney XXXX XXXX who works at XXXX XXXX , XXXX in XXXX would not return my calls, because as a consequence my short sale never happened ( the bank refused ), and put me through XXXX. My condo was placed on the Market for one day and returned to the bank. I wanted answers from the foreclosure attorney XXXX XXXX as to what happened to my property ( only on the market for a day? ), and I get no response when my home was put on the market for one day then taken off the market. I hear on the news that the banks feel that the XXXX is over aggressive. I have a part-time job and underemployed. I was put into foreclosure due to fraud of the Management Company and the Board members. I was forced out of my home with the hopes of getting my relocation expenses reimbursed, and to prevent huge damage to my credit which never happened. 
I filed against the bank a long time ago a complaint with the Federal Reserve, and all I get from BAC is a voice mail from the regulations Department from XXXX XXXX. I always had to call the bank with no return calls. I even escalated this issue to Management XXXX XXXX and she did nothing prior to the Bank making me go through all kinds of steps prior to a short-sale, which was denied. Bank of America lacks transparency and is not honest with consumers by dragging out the time and costs of a consumer trying to short sale a home. More importantly, May be engaged in illegal activity by non-actions. I strongly urge an investigation. I would like to Know what the status is with my home and so do the realtors in XXXX.
I was contacted by XXXX mail on XX/XX/XXXX stating " There 's still time let 's talk then I also received a phone call from the manager named XXXX onXX/XX/XXXX asking me to come into the office. As I told him I lost everything in the wildfires here in Tennessee in XXXX, then my father ( XXXX XXXX ) XXXX XXXX in XXXX, and my mother ( XXXX XXXX ) XXXX XXXX in XXXX ( three months XXXX apart with no life insurance ) and told him that I also had to pay my part back to the relatives for their XXXX and I still have to get a XXXX XXXX for both of them, he proceeded to tell me that those things can wait. Now suffering from XXXX I have quite a few doctors appointments but I did get by the office within that following week. XXXX XXXX XXXX is now trying to state that they could not offer my mother life insurance because of her age but in the document we both paid in life insurance on the loan. If they could not give my mother life insurance then that would be discrimination. The loan is also secured with my mothers vehicle and I have noticed on my credit reports they have it listed unsecured and secured when they keep reporting and destroying my credit ( that I am trying to repair ). When I walked into the office here in XXXX, TN XXXX seen me and all she told me was " it left her office this morning ''. They kept a copy of my mothers ( XXXX XXXX ) XXXX XXXX and the office it supposedly went to the gentlemen could not pull it up on the internet so I did not have a phone number or address although it has an Indiana address on my credit reports. The address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX with a phone number XXXX. I 'm XXXX and on a fixed income and this company does not seem to be doing business properly. I have included my mothers XXXX XXXX ( which she is the co-applicant insured and had her vehicle as collateral. I also highlighted the area of this contract where we paid insurance on this loan with both of our signatures. The account number on this XXXX XXXX loan is XXXX. Can you please investigate this loan and this company because they keep on reporting to all three credit bureaus as much as possible it seems only to hurt me and my financial future. If you need anything further than what I provide please let me know. Thank you very much in advance. XXXX Bless. Also can you please have them stop reporting also until this investigation is resolved?
I do not know who this is or what debt this is. Today they called my mother, who I have not lived with or near in 31 years. There message stated that he was XXXX XXXX with XXXX, XXXX. Claimed he left a message with the superintendent of the city XXXX  ( I'm a XXXX ). Claimed he had sent a registered letter, but it came back. I never received anything. I do not know who this is or what debt it is supposed to be. 
He left personal information with my mother and possibly my employer.
Nationstar Mortgage continuously applies my additional " principal only payment '' as a standard payment and deducts taxes and escrow payments from it. This has happened 4 times in the last 6 months. This requires me to login into my account twice each month ( once to pay and once to verify the payment was applied correctly ). It is an enormous waste of my time to have to verify they are doing their job correctly.
In XXXX XXXX I experienced a foreclosure in the state of Arizona. I had a XXXX/XXXX/XXXX. The XXXX lien was with XXXX XXXX XXXX and the XXXX lien with XXXX Bank. XXXX XXXX XXXX has reflected the foreclosure since XXXX. XXXX Bank was reporting the {$25000.00} XXXX lien as closed since XXXX XXXX ; however, it came to my attention that my DTI was extremely high. This was odd since I do n't carry balances on credit cards. I have been building my credit back up over the course of the past XXXX years and it was in the XXXX zone if not higher. I reviewed my credit report and XXXX Bank was reporting that I owed approximately {$24000.00} a month in monthly debt obligations. Absolutely not. I disputed this and they corrected it. But when they corrected it they claimed the charge off to be XXXX XXXX. I have already experienced the devastation of my credit in XXXX and XXXX. I am now being penalized again for the same event by XXXX Bank, but today, XXXX XXXX. I have called XXXX Bank and I get no where. Experian says their hands are tied. This is violation of FCRA and I am being penalized for the same thing that I have been rebuilding from. I just received a notification that my credit score, from being XXXX in XXXX is now a XXXX. I have 8 % DTI. I 'm seeking help. I have also inquired with a lawyer if I ca n't get this resolved. Please help me.
There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX/XXXX XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact Credit Karma to resolve the issue, CK tells me to contact the business to get it cleared up. 



There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX/XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact Credit Karma to resolve the issue, CK tells me to contact the business to get it cleared up. 


There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX/XXXX  XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact Credit Karma to resolve the issue, CK tells me to contact the business to get it cleared up.
i paid several companies a large sum of money for an at home business.to make a long story short i was XXXX was shocked when i called my XXXX card and they told me they could not help me.in XX/XX/2015 i paid XXXX XXXX and XXXX charges of XXXX XX/XX/2015 i paid XXXX XXXX charges that added up to XXXX i paid XXXX XXXX charges to XXXX explained to my card company that i was not rendered any services at all.i was told i had 540 days to dispute these charges as charges for undelivered goods and services.these companies also violated the telemarketing and consumer fraud and abuse prevention act.this all fell on deaf ears. if these laws are in the books should my bank follow them.i think my bank is not treating me the way i should be legally.with all my claims and defenses how can my card treat me this way.how can a company like XXXX do business with these merchants.i would like an explanation from my card as to why i was turned away.i forgot to mention to the bank about scamming the elderly another crime. needless to say i am very confused about my situation with my credit card.
ACCOUNTS- PUBLIC RECORD- BANKRUPTCY- # XXXX COLLECTION ACCOUNT- XXXX- # XXXX THIS IS THE FIFTH LETTER I AM WRITING TRANSUNION TO DOCUMENT THE FRAUD BEING COMMITTED ON MY CREDIT FILE. I HAVE ASKED TRANSUNION TO VERIFY THE FRAUDULENT BANKRUPTCY and fraudulent collection account XXXX  VIA Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I have documentation since XX/XX/XXXX that I have been removed from XXXX XXXX. But Transunion states that they verified a bankruptcy via XXXX as recently as XX/XX/XXXX. So for almost a year Transunion has intentionally kept an unverified bankruptcy on my account. THIS IS FRAUD AND MUST BE SOME TYPE OF IDENTITY THEFT because this unverified account has not been verified.

The US BANKRUPTCY COURT states that they do not share information with 3rd parties so your source is FRAUD.

I HAVE LETTERS FROM XXXX  and THE BANKRUPTCY COURT but Transunion just ignores my lawful request and keeps this fraud on my account.

THE credit bureau CAN NOT LAWFULLY USE A 3RD PARTY SOURCE OR XXXX  to verify accounts.

IF ANY INFORMATION IS REPORTED ON A CREDIT FILE IT MUST MATCH ALL 3 BUREAUS AND THIS BANKRUPTCY HAS BEEN REMOVED BY XXXX  BECAUSE IT IS UNVERIFIABLE unless Transunion pays {$33.00} for the full report directly from the bankruptcy. And if done so please give me the employee who you purchased from and the receipt of purchase.

XXXX IS NOT VERIFIED EITHER. THEY ARE A 3RD PARTY COLLECTOR.

They also keep this FRAUD COLLECTION on my file from XXXX. And I have no contract with this company and it has been removed from XXXX & XXXX

I am including all my documentation in this correspondence along with Certified mail so I can document Transunions FRAUD FOR LITIGATION if they verify these two fraud accounts. If it can not be verified then DELETE IMMEDIATELY.

YOU HAVE 15 DAYS TO REMOVE THIS FRAUD. MAIL MY FULL UNREDACTED UPDATED CREDIT REPORT AFTER THE INVESTIGATION IS COMPLETE.
Hi, I'm XXXX years old and I own a business so I realized I needed to get a credit card in order to start building my credit. I also work a 9-5 job as well. I was using my capital one secured credit card as normal and had put my account and routing number. Here 's where the problem occurred. When i mobile deposit my checks from work it gives me routing and account number. I thought that that was MY bank account numbers but it turns out it was my jobs bank account. Therefore, i put my works bank account as the payment method without knowing, put some monthly charges, hid my card, and didn't look at it for a while because i knew i had a recurring charge and was set up automatic payment. Everything was going smoothly and I was making my payments as normal. After about 3 months or so of having the card, I opened up the capital one app and realized my account was closed. I was extremely worried and confused because I know closed accounts are not good and this was very hard to get approved for. it turns out my works bank account managers saw these credit card payments and decided to return all the payments. Capital one obviously does not like this and closed my account for violating terms of service under " returned payments ''.
My wife and I have been negatively impacted significantly by XXXX bank erroneous reports. They have reported three times that I was late on my payments or missed payments. This is absolutely false. I 've actually made extra payments more than required to avoid any issues. I have never been late once by a day nor have I ever missed a payment. I 've called XXXX to dispute these reports, however they stated that they do n't discuss these issues with their customers.
I have recently relocated to the US in XXXX 2017. The first thing I did was to try and get a car through XXXX XXXX of XXXX, NC. The company took my social security number and randomly contacted multiple financial institutions causing a total of 7 hard inquiries to be registered under my credit reports ( 2 under Transunion and 5 under XXXX  ). This was done without my approval and without even informing me.

Of course the dealership did that trying to secure a sale of the car at my expense. I was shocked to see the effect on my credit report as a result of these 9 hard inquiries. All of which were not authorized by me.

All the hard inquiries were run on XXXX XXXX 2017 which is the date I was in the dealership.
My wife and I have applied for a mortgage and were approved in XX/XX/XXXX with the company " Guaranteed Rate '' to purchase a new construction home. The house is completely built and finished - I have verbal and written confirmation from the builders, inspectors and realtor that the house is finished and ready for closing. We have earnest money ( {$25000.00} ) already given to the title company. However, XXXX XXXX from " Guaranteed Rate '' who has been working on our loan for almost one year is still repeatedly requesting for the same documentation that has been submitted multiple times to her since XXXX XXXX. XXXX XXXX also advised us to sell our house ASAP and our old house was sold in XXXX XXXX. Our living arrangements have been complicated for the last 3 months and very challenging since I also just had a baby last XXXX. We will be out of a place to live by the end of XXXX. We were promised a closing date of XXXX XXXX, XXXX ( 1st time ), XXXX XXXX, XXXX ( 2nd time ), XXXX XXXX, XXXX ( 3rd time ) and now XXXX XXXX can not give us a closing date - SHE is the last link we are waiting for to close and move into our new house. We respectfully request assistance with this urgent matter. 
XXXX XXXX from Guaranteed Rate - tel : ( XXXX ) XXXX, email : XXXXXXXXXXXX XXXX XXXX ( Loan Coordinator ) from Guaranteed Rate - tel : ( XXXX ) XXXX, email : XXXXXXXXXXXX XXXX XXXX ( Corporate CEO ) for Guaranteed Rate - tel : ( XXXX ) XXXX Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX
This debt appears on my credit report by a third party lender. I initially requested to know who the loan originator was and denied that information. I have requested to have this information removed as the account has been added to my debt consolidation loan in XX/XX/2015. Once my loans were consolidated it should be a violation of my rights for them to continue to report it. I have contacted XXXX/ XXXX/ XXXX regarding my student loan and I have disputed it with the credit reporting agencies ( Equifax, XXXX, and XXXX XXXX ) and the student loan companies are stating that the information is accurate and refuse to remove it from my account. XXXX XXXX XXXX told me that they have no accounts associated with my social security number. When I have them dig deeper they find accounts that are closed, paid in full. However ; they still appear on my credit report as a negative. When contacted, they told me that even though they accepted full payment and closed the account, the missed payments continue to be negative on my account. XXXX XXXX has my student loans in debt consolidation and it shows in good standing on my credit report. What is the point of paying off any debt if you have ever missed a payment? Companies can do whatever they want to consumers and it's basically too bad.
I was desperate for money, I felt really taken advantage of. I had no idea that their type of lending was illegal in CT. Being charged over 700 % interest on {$700.00}. I went to go pay off my loan a month later after making four payments of {$100.00} which totaled {$430.00} and they said my loan payoff was about {$820.00}. Now that they have twelve payments equaling {$1300.00} with a total of {$600.00} worth of interest and Im out so much money Im in worse condition trying to pay my car loan and my rent.
LVNV Funding sold my previous credit card debt to another company and is still reporting on my credit report stati ng that I owe them. I have disputed this several times and it was removed. This company continues to report this debt to my credit causing my score to decrease
XXXX of my bank accts were closed on or about XXXX 2013. I received a settlement offer XXXX XXXX who in return sold the accounts to Stellar Recovery. I paid the settlement offer to Stellar Recovery , Inc. who in return sent me several paid letters of receipt. The problem is that they will not verify this information to XXXX. I 've reached out to Stellar Recovery and XXXX to have the information updated. I 've taken my receipts to XXXX XXXX XXXX who originally had the account. XXXX XXXX XXXX and myself contacted Stellar Recovery and XXXX together. My bank manager verified to XXXX that account balances has been paid through settlement. XXXX sent me a letter stating that the balances are still owed and that the balances were verified through the FI, ( Financial Institution ). This is not true. Stellar Recovery states that " they can not verify to XXXX that I paid the settlement offer and I have a XXXX Balance, because they ( Stellar Recovery ) received the account from XXXX XXXX. The XXXX manager, XXXX XXXX attempted to contact XXXX XXXX. There is no working number. XXXX XXXX also spoke to XXXX and Stellar Recover while I was sitting in his office. 
I would like for XXXX to correct their information regarding my accounts with XXXX. There are XXXX accounts on my XXXX report that shows the accounts are closed with balances. This is inaccurate information.