WillisBack/dataset-financial-user-claim huggingface dataset:
I recently filed a complaint with the XXXX on XX/XX/2018 in regards to XXXX XXXX reporting inaccurate information on my Experian credit report the following items are missing on the account. Balance is showing a line when it should show {$0.00} and Balance Updated is showing a line when it should show {$0.00}. And Recent Payment Amount is showing a line when it should show a pay off amount. XXXX XXXX XXXX say there reporting correct information but i beg to differ. A simple line doesn't represent correct information. This account is paid in full so it needs to reflect that.
On XXXX/XXXX/XXXX I attempemted to purchase batteries at my local XXXX XXXX ( XXXX # XXXX ) in XXXX, CA [ XXXX ] at XXXX am using my CAPITAL ONE XXXX ending XXXX for a total of {$2.00}. I tried a second time at XXXX. Both times the receipt said " DENIED BY ISSUER ''. I ended up paying cash. 
When I got home later that day, I attempted to access my online online account to see what was going on. They made me change my password. Afterwards, I still could not access my account. 
So I decided to phone 24-Hour Customer Service at XXXX. I am XXXX and in a XXXX. I have great difficulty with automated systems. I was struggling to get alive operator when the automated system told me to say " representative '', which I did repeatedly. Around XXXX XXXX, a voice responded identifing itself as " XXXX ''. He asked me if I had my card and a number from it. He then hung-up. So Capital One refused to help me with this issue.
I had been invited to open a Discover credit card approx. mid to late 2015. I had just secured social security. and had no credit useage for many years prior. apparently my score brought in all the credit offers. the offer was 12months 1 st year at no interest. they started off wrong right out the gate. I hadn't set up any account for discover on my computer and was awaiting my first bill. they failed to mail to my residence my first bill. of course being a new customer I hadn't monitored time frame. I was also under personal crises and family matters. by the second month I did my inquiry. received my billing. they said they mailed but not my correct address. that could have been made by intrusions or failures on there part. nevertheless a late fee had been installed. im certain I had also set my due according to my finances. I believe it wasn't changed. then it seemingly was to there liking. idk where to point finger or why, but I did have a personal crises in Domestic financial abuses he may have been in involved idk. I kept paying late fees and seemingly never got my one year of no interest. despite my faithful payments. I was not being taken serious about my payment due dates. so as soon as I knew I had paid all I had charged on discover card I requested to close account one year later. I paid all I charged and late fees. in lieu of there non compliance and the financial abuses and possible fraudulent manner he may have had in tampering with my account or discovers unwillingness to honor my requests, this service as a hinderance. I am victim to both sides. I had paid all I charged and late fees. they had continued charging these late fees. I do not owe and im on limited income too. I would still be a customer if I was treated fairly.
XXXX 's client XXXX XXXX is an ID theft victim ; his information was used fraudulently to apply for several credit and communication accounts. During the process an address was found associated with these applicaitons in his Equifax credit report. An official dispute of this information was sent to Equifax XXXX/XXXX/XXXX ( ticket number XXXX ) however a credit report received XXXX/XXXX/XXXX Equifax is still listing the address. 

XXXX XXXX XXXX XXXX XXXX MN XXXX ( this is the fraudulent related address that is to be removed from the Equifax credit report.
Barclay Bank is in violation of the Bankruptcy courts and violating the automatic stay. They were included in my discharged bankruptcy XXXX yet continue to report and contact me.
Over the last 21 months, I have on time payments to XXXX XXXX XXXX. I entered a contract in XX/XX/2017 I signed a debt consolidation agreement to resolve credit card debt. My case was given to XXXX XXXX XXXX XXXX. I have paid over $ 8k and XXXX debt has been negotiated. Theyve removed approx {$4500.00} in fees unusable for my debt negotiation. Nowhere in a payment schedule was this disclosed to me. Leaving less than $ 4k, Im being sued by creditors with the threat of additional payroll deductions
I mailed a Multiple  Inquiry  removal Letter on  XXXX   XXXX ,   XXXX   by mail in order to dispute information, in regards t o 8 hard  inquiries, that was being reported on my credit report. They started my dispute on  XXXX / XXXX /  XXXX  , finished my dispute on  XXXX / XXXX /  XXXX  , and mailed a letter on  XXXX / XXXX /  XXXX  . The request that I submitted includ ed 8 Ha rd inquires that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor, '' According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not   investigate AND respond, the CRA must delete the disputed information from its files. The fact that it only took 4 days to investigate, one can assume that thee was no investigation into the matter. I plan to purchase a car here in the near future and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not a case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of consumer.
Credit agencies Experian, XXXX allowed the collection agency XXXX XXXX XXXX XXXX to falsely report a collections on my credit report to make it seem like they were the owners of the account. The account was paid in XXXX XXXX, 2016. With all the identity theft going around why was this creditor able to falsify the account. I reached out to them, XXXX and all the credit agencies and all I was told it happens dispute so we can investigate in 30 days. Lastly, this error caused by credit score to decrease and I was denied credit as well. The original creditor of the account was XXXX XXXX XXXX in XXXX, TX and they received payment on XXXX/XXXX/2016 from XXXX XXXX XXXX. Therefore the account was paid ever though I disagreed with how the account became mine it 's now paid and in the past. Why did n't XXXX XXXX XXXX XXXX investigate the account before reporting to my credit report and all this could have avoided.
I XXXX XXXX receiv a threating letter from ncb management service.and threaing phone call s a bout a vehicle I do n't have.
Synchrony Bank reported my Amazon.com retail card as 30-days delinquent to XXXX in XXXX 2013, even though the company has previously admitted fault via telephone that they may have made a mistake in sending the statement, which led to my missed payment. Synchrony has removed the delinquent mark on XXXX 's file, they should remove it on XXXX 's file as well.
This is account was deleted off my credit report and now has been reinserted. Please have Equifax remove ASAP. 
XXXX XXXX Status Closed
In XX/XX/2013 I had bank of America bank account and my ex wrote me two child support payments by check so I deposit them my account. I believe days later they closed my account without me knowing it. So I called and they told me they was closing my account because of two bad checks I deposit so I was XXXX because I had direct deposit but I let it go. So I was threw with banks until I tried to go to a credit union so I could build my credit and they told me no because somebody put fraud by my name and social security number. I called them Bank of America and they told me they do not have fraud by my name. So I need this taking care of because this make me look bad when I 'm trying to build my credit.
The name XXXX XXXX XXXX XXXX XXXX XXXX XXXX wv XXXX is CORRECT There is another XXXX XXXX XXXX with XXXX West Virginia address on my credit report, I have never lived at this address, there is public record report of the XXXX XXXX XXXX with the XXXX address on my credit report
They keep calling my home phone and cell phone to speak with someone who does not live here over a debt that is not mine. I have told them repeatedly over the past 5 YEARS, yes 5 years that the person they are attempting to contact does not reside at my residence.
I have asked United Collection Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
i have sent a letter asking for debt validation on XX/XX/XXXX, on XX/XX/XXXX i received a bill. on XX/XX/XXXX i sent a 2nd request i received a bill and copy of paper work. i have not received any proof of signature of mine. i have asked for proof but still waiting.
I called XXXX Chase rewards today about my minimum payment going up a dollar. I asked them if my interest rate went up and they stated no. The supervisor I spoke to said that they arent able to change minimum payments. I have paid consistently for this credit card on time. I have no late fee charges. I havent used my credit card as of recently.
Our loan was sold to Ocwen Mortgage Serving and ever since everything is a mess. They send someone out to our home monthly to verify that we are living in it and charge us between 50 and 300 dollars each time. I have called numerous times to see what this is all about to just be given the run around. I have become XXXX month behind on our payment due to a family tragedy and have made sure we fall no further behind. Yet they continue to harrass us constantly and have their people who verify that we live in our home make threats to us. It is unnerving. We have tried to work with them to modify out loan yet they refuse to do so. At first it was because we were not behind so we did not qualify now it is because we are behind. Our mortgage is set up with a balloon payment at the end of the loan and we were trying to modify the loan to get rid of this payment. As our previous home loan servicer would not offer us any other option for a modify other than to add a balloon payment on the end of the loan. We have asked for a principal reduction and were told they will not do that. We are at a standstill with this situation. We heard there was a settlement made between Ocwen and the government and when I asked Ocwen about it they cut me off.
There are XXXX issues here. 

XXXX. I am trying to closeout my mortgage ( Bayview ). I have XXXX more payment left to pay. The mortgage company just sent me an escrow statement saying what my new payment will be in XX/XX/XXXX. My last payment should be next month. I have my house on the market to be sold. I need clarification. I tried numerous times to call but I never could get through to address this issue. 

XXXX. About XXXX years ago XXXX XXXX changed my address of the property. The mortgage company still has the old address ( XXXX XXXX XXXX XXXX noted on my mortgage documents. I received the formal documents of the change address XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and sent those formal documents to the mortgage company ( Bayview ). They have yet to change the address to the new address XXXX XXXX XXXX XXXX XXXX in my mortgage documents. I need them to make that change to receive the correct Deed of the property. I sent the formal document electronically to the mortgage ( Bayview ) company weeks ago. Before I submitted the document, I called a told XXXX of their representatives what the issue was. Nothing has been done to correct this issue.
There is a {$57000.00} auto loan, on my credit report from XXXX XXXX I have contacted them over and over again. I do not own nor have I signed for a Nissan truck, I asked them to remove the negative item off my credit report, because it is a error and fraud. They said, that they would investigate the matter and I didn't receive any update status etc. The collection account, is just remaining on my credit file and hurting my score and was in the process of doing a home loan and lost the loan, because Nissan, reopened the collection accounts investigation account and re-aged the collection account any score dropped 67 points. This is a case of fraud and poor accounting/bookeeping/poor management, on the part of Nissan. They should know without a doubt, whom they have sold a truck to for {$57000.00}. I never went into the dealership, gave my information, signed and agreement or contract, nor have I co signed or taken or received a truck from their company and it is causing me great hardship and harm. Nissan refuses, to correct their error, on my credit report.

XXXX XXXX and XXXX, are required to have a copy of all signed agreements /contracts in hand before reporting any accounts to the credit reports. This requirement, is in place, so that a account, can not be reported, without be verified and have sold proof, that the account actually belongs to the person, it is being reported for.

There has been no validation/verification, because there can not be one completed as this is not my truck or debt and none of the parties are showing any professionalism and morals, by refusing to correct a clear and present error.
Equifax kept consumer records, mine included, in a non-hardened and un-secure web database. This has been in the news lately, and the company admitted that the information ( social security numbers, names, addresses, driver 's license numbers ) of over 100 million Americans are now in the hand of foreign hackers. 

To make matters worse, Equifax waited over a month to make consumers aware of this breach. This obviously impacts measures consumers could have taken to protect themselves from fraud. 

Equifax 's irresponsibility continued, as top executives sold off huge amounts of stock to cover their XXXX and wallets once the breach was announced. Needless to say, this is extremely ILLEGAL.
I had submitted my request to renew my XXXX plan back in XXXX ( XXXX XXXX ish ) of this year. I had figured that my XXXX would be re-certified and everything would be okay. I received a phone call on XXXX XXXX when my payment is due on XXXX XXXX to alert me that now I owe {$1500.00} for XXXX and XXXX upcoming payment. My XXXX had been denied and they apparently sent me an email notification on XXXX XXXX. I checked my online account with them after the phone call and did see the message but no reason stating why it was denied just that " my '' request to deny the lower payments had been processed. Lol give me a break ... 

I had submitted my proof of income with my renewal ( a pay stub with frequency listed on it ) but apparently because I checked, No My Income Did Not Change they absolutely ABSOLUTELY needed a tax return from XXXX ... seriously? It 's almost XXXX Tax Season my Paystub is n't enough for you to use in the calculation? So it was denied because I sent in a Pay Stub instead of a Tax Return and they are just now calling on XXXX XXXX to tell my I am past due and in the hole of {$1500.00}. 

The absolute worst part of the call .... Having to agree to an Administrative Forbearance, have my interest capitalized and be penalized after literally 3+ years of following procedures and not having any issues. They could 've even offer me some type of hold for me to get the paper work in that did n't capitalize interest. So ... now I am RE Submitting my renewal with the XXXX XXXX tax return from XXXX. 

Student Loans are literally a death trap for recent graduates. Who can afford {$730.00} a month and still live comfortably? Seriously ... this whole thing sucks. I am about ready to stop paying all together and just let them go into default, drag out my forbearance time and then use up my deferment time. That way when I finally run out of holds I 'll be in my XXXX and wo n't give a XXXX.
I have been paying for more than a decade this loan on time. I send extra money monthly so I can finish paying early. However, even though I have been sending extra money for almost 5 years the balance never goes down. I have about {$3500.00} left and they are saying that I still have 4 more years @ XXXX XXXX   monthly, yet I send them XXXX XXXX monthly. That's would be more than double of what I owe them.
On XXXX/XXXX/XXXX a letter was sent out to me advising me that I was denied a loan modification. The letter stated that I was evaluated for mortgage payment assistance based on eligibility requirements of Fannie Mae. I wasnt told which options were reviewed and I was not told which eligibility requirements I didnt meet. My HUD approved Housing XXXX called Loan Care at XXXX on XXXX/XXXX/XXXX to discuss the evaluation of my mortgage foreclosure alternatives as XXXX XXXX advised we do on the denial letter. Upon calling the XXXX XXXXXXXX spoke with XXXX XXXX ID # XXXX, whom said that she didnt see why exactly the loan was denied for a modification. She said that she would have to have the underwriter call the XXXX XXXX back with an explanation. 
On XXXX/XXXX/XXXX my XXXX XXXXXXXX called back, as she had not heard back from the underwriter. She called the loss mitigation number listed on the denial letter of XXXX, which is supposed to be a dedicated Loss XXXX XXXX line. However, the line was somehow routed to customer service, which then was routed to who knows where and the XXXX spoke with XXXX XXXX # XXXX. XXXX stated at first that she wasnt sure why it was denied either, but upon further investigation she stated it was denied because the financials didnt match up. She said that possibly my bank statements didnt match up with my expense statement, but again could/would not actually confirm if what she was telling my XXXX was the actual reason for denial or her assumptions. She said that the income listed on the XXXX was less than what they calculated, but she could/would not tell the XXXX XXXX XXXXXXXX what or how my income was calculated. As things escalated with XXXX she stated that she didnt need to tell my XXXX XXXXXXXX why it was denied at all. XXXX stated if we didnt agree with the denial that we should write an appeal letter stating that we appeal the denial. She said it doesnt matter why we dont agree with the denial, just that we dont agree. She said that it would then be reviewed again. 
The issue I have is that I was not given a proper list of what XXXX XXXX options were reviewed or why I was denied these options. I was told to just appeal the denial even if I dont know why I am denied. I will write an appeal, but I dont even know what my reason is for appealing. I dont know what barriers I need to overcome, if any, to qualify for a loss mitigation option.
In  XXXX   2017  I was subject to debit card fraud. Someone or a group of someone 's took about  1200  dollars from my account, and it put me in a bind in terms of paying my bills. As a result of this I was unable to make my mortgage payment until the end of  XXXX  when I was able to borrow extra funds. I tried to make the payment online, but the next available date was  XXXX   XXXX  in terms of processing my payment. I believe t his may have resulted in a negative late payment on my credit report. I am formally asking that the loan servicer review the attached letter from my bank and agree to remove the late payment since I was the victim of  fraud.
To whom it may concernI 'm writing you today about my horrific treatment by Westlake financial services, I purchased a XXXX Mitsubishi endeavor at a dealer XXXX XXXX XXXX. in XXXX XXXX in XXXX 2015. I put done {$5000.00} on a {$7000.00} car, but for some reason Westlake just sent me a bill for over {$8000.00} not sure where they get that number from. On XXXX XXXX my car was repossessed because I was behind on payments due to me being furloughed from my job with the state of XXXX. I paid off the outstanding balance within 72 hours and wanted to get my car back. 
I was told by Westlake customer services that by paying the outstanding balance the car would be held in XXXX and would not go to auction. After I paid the balance I contacted Westlake customer services and they could n't locate the car, the car had been moved 4 times and was no longer located in XXXX State. It took Westlake customer services over a week to find the car, when they located the SUV it was in XXXX at an auction house. 
Westlake failed to send the release papers to the tow company which meant I could n't pick up the car and it took Westlake over a week or more of me calling everyday sometimes hourly for them to send the release papers. I contact Westlake customer services and got very little help and was transferred to other departments I asked to speak to a manager and was told " no '' rudely. I tried contacting their corporate headquarters and got no reply. 
The vendor/sub-contractor Westlake used to tow my car lost the plats to the car and I needed a notarized letter from Westlake stating that in order for me to get new plats for the car, Westlake customer services had me contact the towing company for the letter which they responded with no and stated that it 's not their policy to give notarized letters I then contacted Westlake again and was told someone would call me back. In addition, I found out that the SUV windows were left open and the inside now has water damage that needs to be fixed. I keep trying to contact someone in management at Westlake and all I 'm ever told is that someone will call me back which they never do. 
It 's now one month later and I still do not have the car back Westlake is demanding payment for the car but it 's in their possession. Due to this stress caused by Westlake I have miss days off from work and the stress has aggravated my medical issues. I would like to end my contract with this company as they are very unprofessional, rude, and they are predatory lenders. 
Reviews of Westlake online are negative and other people have had the same problems with Westlake as I have. Could you please help me bring a much needed resolution to this problem because Westlake will not respond to my calls or emails, my account number is XXXX. Thank youXXXX XXXX
For 6 months now I have been sending my financial info, along with my cosigners info, in to the office of the customer advocate. I am struggling financially right now to even put food on the table let alone catch up on late loans and pay {$450.00} a month. I keep being told different information about what is and is not an option. My payment was lowered at one point to {$200.00} for a month, I was told it would be permanent. I thought it was a miracle. Then a month later it was doubled and the person I spoke to fell off the face of the earth now Navient is calling me 6-7x a day demanding payment. Telling me to get a XXXX job. They are making my life XXXX. I 'm hoping the attorney generals office can help because no one at Navient seems to care about anything other than threats.