WillisBack/dataset-financial-user-claim huggingface dataset:
HI ON OR ABOUT XXXX OF XXXX I FINANCED A VEHICLE WITH XXXX AUTO FINANCE AND HAVE A 7 YEARS OLD COPY OF SEVERAL CREDIT REPORTS SHOWING THE PAYMENTS AND STATUS OF THE ACCOUNT BEING CURRENT AND WAS SOLD TO XXXX  AUTO FINANCE AROUND XXXX OF XXXX. AT THE TIME THE LOAN WAS SOLD / TRANSFERRED THE DEBT WAS IN GOOD STANDINGS. SEVERAL YEARS LATER APPROXIMATELY XX/XX/XXXX FIVE YEARS INTO THE LOAN I SURRENDERED THE VEHICLE BECAUSE XXXX SAID THAT I OWED XXXX ON A VEHICLE ACCORDING TO THE LOAN SCHEDULE OF PAYMENTS WAS ONLY FOR 6 YEARS@XXXX A MONTH WHICH WOULD ONLY LEAVE A BALANCE OF A YEAR. I REACHED OUT TO THEM MANY OF TIMES AND NO ONE COULD EXPLAIN THIS ISSUE. IN THE INTERIM AFTER 3 YEARS OF THE SURRENDER, NCB MANAGEMENT SERVICES REPORTED ON MY CREDIT FILE A NEW ACCOUNT ON XXXX SHOWING THAT I HAD A REPO WITH THEM, MY CREDIT SCORE DROPPED TREMENDOUSLY I DISPUTED THIS WITH ALL CREDIT REPORTING AGENCY 'S AND NCB AS " RE-AGING ''. AFTER SEVERAL YEARS OF DISPUTING NCB UPDATED THE ACCOUNT SHOWING IT AS A REPO WITH XXXX XXXX. NOW ON MY CREDIT FILE IT SHOWS 2 DIFFERENT REPO 'S AND THIS IS INACCURATE. I HAVE CALLED AND SENT LETTERS TO THE CREDIT REPORTING AGENCY 'S EXPLAINING THIS ISSUE AS WELL AS SUPPLIED SUPPORTING DOCUMENTS AND THEY WILL NOT HELP AND NCB MANAGEMENT SERVICES WILL NOT CORRECT MY CREDIT FILE.
In  XXXX , after Hurricane  XXXX  I applied for and granted a forbearance ( Disaster Relief ) by Ocwen. As stated in prior complaints this company is very deceptive, I have been notified by  XXXX  credit reporting agencies that my payments for the  XXXX  months for forbearance are now being reported as 90 days late. This has tremendously brought down my  XXXX   XXXX . I spoke with the Ombudsman from  Ocwen  who assured me, as well as apologized  XXXX  times. That my credit would in no way be effected, these payments would go on the end of my loan. However, this is not the case. It has also been reported that they were late payments made in  XXXX  and  XXXX  that are not true,  Ocwen  said these should have been removed in  XXXX . Looks like that was another lie. I am suffering from   XXXX   XXXX   and the undue stress of their practices is wearing on me. I think Ocwen needs to understand everyone is not going to stand for their bad practices.     I would like this resolved ASAP, as I look for another mortgage company to service my needs.
Westlake Financial is trying to collect on a debt that was paid off in a sale of the vehicle that I voluntary gave back due to them asking me a lemon. They are reporting this on my credit report and I am just now see it on my credit report four years later. It is pass the Statue of limitations for the State of California. 
The amount they are stating I owe is {$630.00} For 2012. For a XXXX XXXX XXXX.
Hello. My identity was stolen, and an extended fraud alert was added to my credit report. This should stop credit offers for 5 years, but I am still getting weekly mail from Capital One.
Capital One incorrectly and unfairly reported me 30 Days late for the month of XX/XX/XXXX on my account ending in XXXX. I moved from XXXX to XXXX last XX/XX/XXXX. Shortly after, I called capital one and informed them of what my new address is. I was advised that my account/information has been updated. I am not enrolled in estatements/paperless billing nor enroled in autopay. I just mail in check payments with my statements. I just found out that not all of my account was updated to the correct current address. Having two accounts with the same company, all my accounts should have been updated and furthermore, I was advised the first time I called them that the address on the accounts has been updated. I made a payment to them last XX/XX/XXXX for the full balance and a representative updated the address just last XX/XX/XXXX. I should not have been late for that month if only my address was updated. It is the creditor 's obligation to update my information with the current and updated information provided to them. They violated the Califonia Credit Report and I am suffering greatly because of these.
I am a co-signer on XXXX my daughter 's Rhode Island Student Loan Authority loans. We requested my name be removed from the loans and were refused because according to RISLA she did n't have enough credit history ( her credit is in the XXXX 's ) RISLA would not count any of her student loans towards her credit lines.. She received a letter dated XXXX/XXXX/16 from a XXXX XXXX Loan Originator for RISLA that if she was still interested in the co sign release we should resubmit, due to a changed that RISLA updated their underwriting guide lines and now consider her student loans as part of her credit history. We resubmitted the request to remove my name from her loans. 
On XXXX/XXXX/16 We received another letter stating again the co signer release has been denied because my daughter does n't make a minumum of {$40.00}, XXXX a year. 
XXXX. Never in the original agreement with RISLA did they state they would n't count all loans as part of her credit history. 
XXXX Never in the original agreement with RISLA were we told she had to earn over {$40000.00} a year to remove my name from the loan. If she is n't making enough money to pay the loans how did she get years ahead on the open ones and pay the others off? 
XXXX My daughter had no income at the time these loans were made and I was n't making {$40000.00} a year when RISLA approved them. 
XXXX. XXXX/XXXX/16 RISLA told us the only requirement she had n't met was that she needed XXXX more credit card now this feels more like a bait and switch. She met that requirement and they now changed the rules again. 
XXXX. In my opinion RISLA is being deceptive by leading consumers to believe that the only requirement to removing their name from loans is that the student has a good credit history and pays loans on time for two years She has more then exceeded the original requirements RISLA led us to believe we needed to remove me from these loans.
Im am a victim of identity theft and as a result, there are accounts on my credit that I have no knowledge of. Please remove and block these accounts from my report as it is causing stress and hardship.
Tried reaching out to company sent dispute request and proof of identity theft and have not received a follow up response from company. I have tried disputing this matter several times was informed to submit proof of identity theft and the issue still occurring has not been resolved. They are continuously reporting debt on my credit report and are not providing and proof of debt nor are they responding to my request about the matter after providing proof of identity theft. I have the letter and forms attached that I sent via fax, email and mail to this company.
I went on line to XXXX who I have dealt with before to book a future reservation. 
The website was clear, that they needed my credit card, BUT NO MONEY WOULD BE CHARGED ON MY CARD AT THIS TIME. At XXXXEST, today XX/XX/2018, I received a standard notification from my Discover Card, that XXXX XXXX AN UNAUTHORIZED FRAUDULENT CHARGE FOR XXXX
Spring Collection at  XXXX  contacted my mother today asking for myself or my husband, as well as informing her of who they were and that they were collecting debt on our behalf.  <P/> I am currently at work, but then they also called my phone number, so why they called my mom after she told them she was not them and giving her our debt information is not the proper practice. I have relatives with my last name that I wish to not be notified of my financial issues and would like to speak with someone in regards to what I can do. I have not lived in Minnesota for 5 years now and do not know what this debt is regarding, and I do not want to call and give them any of my information, now that they just shared it with a family member of mine.
Chase bank would not accept payment by credit or debit card for an overdrafted checking account, and refused to close the account until money was either sent or transferred. Meanwhile, negative debt was accruing due to fees, so the amount of money transferred was never enough due to accrueing debt from vendors mistakenly trying to debit the account despite being told not not, and chases own penalties for negative accounts. I have been trying to close this account for a month. Chase told me to go to a branch ( I have moved to a state with no chase branches ), or to transfer extra money which they will refund later. Neither is acceptable. I have credit and debit cards and money and wish to close my account but they refuse to accept payment.
I wrote Midland Funding 30 days ago, they have not responded to my request for legal validation.
I have XXXX credit inquires on my credit in which I did not authorize : Equifax XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
There is a block or something by Capital One 360 that is not allowing me to enter my Capital One login information or access code that I 've generated through them to verify my account through external applications and I did not request this block and want it removed.
Words can not explain how frustrated I am with EARLY WARNING SERVICES! The response that I received from the company is ridiculous! All that I received is an automatic response to my complaint stating " that the fraudulent account was verified ''. Still I have no type of original proof of contract signed between XXXX XXXX and me! or any type of paperwork! EARLY WARNING SERVICES is most definitely breaking the law ( FCRA ). I feel as though they are taking advantage of hardworking citizens such as myself who try their hardest to keep their credit report clean! by continuing to report inaccurate information on my credit file, and tarnishing my name, harming my credit worthiness and adversely affecting me as a person I will take take further litigation action if this company does not Freeze my credit file and remove these fraudulent accounts!
XXXX XXXX XXXX underwriting has canceled my request for a loan modification. Stating I did not send a requested document. They are asking for a recent benefits letter from the VA for my XXXX-year-old mother with XXXX whom I care for. She has not been approved for Aid and Attendance " yet '', and we are still waiting for VA 's approvals. I can not give XXXX something I do not have. This is future income and benefits, and I have stated such. A letter from XXXX on XXXX XXXX, 2017 states : " Your application remains incomplete and have canceled your request for an evaluation of your loss mitigation application. '' Next, I have waited for years for XXXX to modify my loan and they have denied my request. At the last minute as my home goes into foreclosure XXXX said, they will send me a packet for loss mitigation. As my amount due goes into overdrive to where it is impossible to pay as they make MORE money on my hardship. 

I need help!
The number of times missed which is being submitted on my credit report looks like inaccurate and or confusing.
I was in chapter XXXX for past three years during which time my wages were garnished and according to trustee documents over {$36000.00} was paid to my mortgage company yet they state they never received and now county is wanting to auction my property for unpaid property tax which should have been included in my payments when I tried talking to mortgage company they stated let 's get you in home preservation first then we will look into it they never have
I always pay my balances in full. I went online to pay my account balance two days over due. I checked the box that said pay last statement 's balance which was {$740.00}. To this balance they added the charges for XXXX that had not yet come due totaling {$1600.00}. When I questioned them about it they said the payment was being processed, and there was nothing they could do about it.
I have mailed and faxed about this information on my credit report and the company have yet to respond and it been over 30 days. I did not authorize anyone to make these inquiries.I thought I had my account set that they have to get additional information to make sure its me.I know for sure this did n't happen.This is having a negative impact on my credit Amex XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ( this bank seem to run my credit every other month ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX ( I have no clue what this is ) XX/XX/XXXX
I received a solicitation from XXXX by XXXX XXXX in the mail on XXXX/XXXX/XXXX addressed to my XXXX XXXX XXXX daughter saying she is eligible to apply for a personal loan. I called XXXX ( XXXX ) to request they remove every individual at my mailing address from their solicitation list. The XXXX representative asked for the names of all individuals in the household, which I refused. The representative said they would not be able to remove " everyone '' at the address unless I gave their names, and suggest I contact every credit reporting company with my complaint. I disagree with this practice as it violates my childrens ' right to privacy and protection against predation. XXXX XXXX has no need or right to request the names of my children.
I RECD A CALL ON MY CELL PH FROM UNITED RECOVERY SYSTEM XXXX .ASKING THAT I CALL XXXX REGARDING A DEBT.I CALLED THE XXXX NUMBER AND LEFT A MESSAGE THAT THEY HAVE THE WRONG PERSON/PHONE XXXX DO NOT OWE ANYONE MONEY.CALLED ARIZONA XXXX AND FTC AND ADVISED TO FILE COMPLAINT WITH YOU
I have repeatedly contacted XXXX  as well as transunion about a collection company. ( XXXX XXXX XXXX ). In XX/XX/XXXX I filed for bankruptcy. In XX/XX/XXXX I received a discharge. XXXX is a debt that was successfully discharged. However XXXX changed the effective date of debt to reflect as if the debt accumulated post bankruptcy. The collection account appeared on my credit 8 months after bankruptcy dates XX/XX/XXXX. I have submitted at least two investigations with transunion and was told to forward a copy of the discharge to insure that the original debt was discharged. I have submitted those documents and still it's on my report. I've submitted the same paper work to XXXX on three different occasions both mail and fax and each time they've claimed to not receive them. Please help.
I was working with a debt consolidation company to resolve some debt. XXXX XXXX agreed to settle my debt for 30 % of the balance over 3 payments. The payment schedule was {$290.00} on XX/XX/XXXX ( completed XXXX {$1200.00} on XX/XX/XXXX ( completed ) and {$1200.00} on XX/XX/17. The final payment XXXX rejected and reversed they terminated the settlement offer and ended up selling the debt/hiring someone to try to resolve again. I filed a complaint against XXXX XXXX and was told by their response that the payments were late that is why the voided the settlement. I contacted the consolidation company I was working with XXXX XXXX XXXX and they advised me that payments were made electronically through a 3rd party payment account and payments were made timely as negotiated for the settlement. XXXX XXXX did not provide any proof that the payments were received late only wrote dates in a letter format. They have sold/contracted Nelson and Kennard to attempt to handle this account and they have already threatened litigation against me. I have sent in proof of the settlement agreement and explained what was going on and they have never contacted me back. I have called about 5 times now and found that they already started paperwork on litigation.
Good afternoon. I am currently reviewing my credit report and there are several Inquiries ( 34 ), I do not agree with. There are a few duplicates and several I did not authorize. I attempted to dispute the items online, but the site advises customers to contact Experian at their XXXX number. I contacted them directly XX/XX/18 @ XXXX and was advised I could not dispute the information because they do not have access to dispute inquires.
XXXX XXXX, 2012 our home was short sold. Citibank was included in the settlement. I have the final hud statement proving that. For every month after that they have marked the account as a 30 day late for the past 2 years. We have filed a dispute with the credit agencies, we have called Citi directly, they do not have a department we can call and they do n't have anyone we can email for fax. We were required to mail in copies of our hud and a letter and were told eventually someone will get in touch with us. We do n't have a reference number or any way to follow up. This has been going on for 5 months. This has prevented us from purchasing a home and has drastically affected our credit. The false information is preventing us from being able to proceed with our lives! The agent on the phone stated we are not the only people this is happening to. How many people are they running in circles??
Equifax in blatant violation of the following FTC regulation : 623.

Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition * ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

* ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if * ( i ) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate ; and * ( ii ) the information is, in fact, inaccurate.

* ( C ) No address requirement. A person who clearly and conspicu- ously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

* ( D ) Definition. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

( 2 ) Duty to correct and update information. A person who * ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and * ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

Continues to report the following inaccurate items as included in a bankruptcy that XXXX has deleted as inaccurate ( see enclosed document ) : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX PUBLIC FILINGS XXXX BK IND CH-XXXX  ( XXXX not reporting ) delete
XXXX refuses to comply with the law and remove three incorrect medical entries from XXXX XXXX XXXX that have wrongly plagued my account for years. Overall, the CRAs are consistently complicit with re-inserting and re-aging damaging and incorrect information ( which in this case, was covered by charity care and never even should have been put on my credit report ). Clearly, this info. gets sold from junk debtor to junk debtor despite my disputes and I 'm sick of having to fight this year after year after year because the CRAs are n't doing their job. When I contact them directly, I get the runaround. They make it extremely difficult to resolve disputes, especially when all they do is take the word of the collection agencies. Finally, I directly contacted this last debtor, XXXX XXXX XXXX on X/XX/2017 via certified mail, but never heard back from them. When I saw that the three derogatory items were still on my accounts more than 30 days later, I contacted you, CFPB on XXXX, and XXXX XXXX Responded on XXXX, indicating that they received my correspondence and contacted ALL of the credit reported agencies requesting that the collection entries be removed/deleted. However, when I checked my report as of today, all of the information remains, hindering my need to acquire a job ASAP.
a place called Ginny`s has been sending me bills saying I owe them over three hundred dollar. they say I ordered something and sent a bill, to be short. I notified the XXXX they produced some paperwork from Ginny`s, it showed were they added my email address after the fact. Wrong ss # and for sure wrong signature. after going back and forth I realized, they could only say bad things about them. can`t do nothing about the fact that they put it on my credit. all I have left in this word is my credit. I do n't want to have to go to jail because they think this is some kind of game or something, I told them if I have to pull a XXXX and sit my XXXX down on the bus then so be it. I`m trying to do the proper and right thing. I was a XXXX for 6 years this seems to me very simple
On XXXX/XXXX/2015, I utilized the trial membership that Transunion offered for a seven day period. I notified Transunion through email that I am not interested in utilizing there product. I also notified Transunion verbally on XXXX/XXXX/2015 that I am not interested in this product due to information was not reporting accurately or being updated in a timely manner. In which I received email confirmation on XXXX/XXXX/2015 and XXXX/XXXX/2015. That the cancellation was received. on XXXX/XXXX/2015, a charge for XXXX was drafted from my checking account. In which I contacted Transunion on XXXX/XXXX/2015 or XXXX/XXXX/2015 and requested a refund. ( the reason for the delay in noticing this matter is My job transferred and I moved XXXX hours away ) So my focus was on packing and moving. So on XXXX/XXXX/2015 or XXXX/XXXX/2015, I called and spoke with a representative regarding my concerns. The representative stated that the proceeds would be credited back to my account within 5 business days. I contacted Transunion on XXXX/XXXX/2015 regarding the same issue, and the representative ( XXXX? ) was rude, unprofessional, and argumentative. I immediately escalated this matter to a manager. The manager advised me that it takes XXXX days for my proceeds to be refunded and acknowledged that I did submit my cancellation. I advised the manager today is XXXX/XXXX/2015, I believe the 30 day window has passed. The manager stated that I should contact my bank, I advised the manager that I will be filing a complaint, because it not the issue of XXXX, its the matter of me complying with the terms and conditions of the trial period and Transunion took it upon themselves to take money out of my checking account after it was communicated in writing that no authorization has been granted to take money out of my account. Also that Transunion acknowledged the cancellation and proceeded to withdraw proceeds out of my account. This is not a banking issue, this is just wrong.
I recognized that XXXX XXXX submitted unauthorized inquiries my credit for finance 16 times on XX/XX/2018. 

Chase Auto Finance was one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manger. 
I spoke with XXXX on three occasions and asked that XXXX XXXX remove the inquiries. 
I Contacted Chase Auto finance. 
They refused. 
It was very unfair that they did that. It lowered my credit score by 200 points.
On XXXX separate occasions letters requesting a free credit report were sent. A return response from company was that I would have to pay for the report. The request ( s ) were after the 1 year wait period and to my knowledge no report was requested during the 1 year wait protocol.