WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Core Advisory Group last XX/XX/XXXX to seek help with my mortgage situation. After being denied for a loan modification by my lender XXXX I was in desperate need for some help in order to save my house, so I sought help with a company name Core Advisory Group. They had sent me a mail advertisement that read XXXX and my loan was eligible for a payment reduction and interest rate to be as low as 2 % and also mentioned that I was a plaintiff against my lender for a lawsuit. Also the advertisement states, they can stop my foreclosure with their XXXX XXXX XXXX so I gave it another shot and reached out to the company to see how they can help me. 
After speaking with XXXX of their sales representative XXXX assured me that I have a strong case to file a complaint against my lender with federal agencies and government officials and this will force my lender to stop any foreclosure proceedings and get my bank to negotiate a new loan modification plan for me. They wanted me to pay a total of {$4300.00} all up front but I only can do a portion of that in payment plans so they agreed and I paid them {$1700.00} which my check was deposited into their XXXX account on XX/XX/XXXX. 
What frustrates me is that when they told me they had spoken to my lender XXXX, my lender told them that the reason I was n't qualified for a loan modification is because I did not make enough money to qualify and I already knew this. I wish if I had known sooner that this company preys on peoples vulnerabilities and will do anything to make you feel like there is hope for some help and as soon as you send them your money and you find out they were n't living up to their expectations, they will fight you to the very end to keep your money and that is what is happening to me right now. I have been misled and lied to. If it was n't for their deceptive advertisement to get me to call them, I would n't be out of {$1700.00} which I had to borrow from friends to help me out so not only did I lose that money to them, I am now in debt with my friend. I just want my money back and these people should be ashamed of themselves for doing this to people who really needs help.
So for several months I 've been disputing the inaccuracy within my credit report with Experian. XXXX being a bankruptcy that 's not mine, XXXX being an account that 's not mine, and XXXX. being addresses that do n't belong to me. I 've been staying in the same place since I was XXXX years old so since XX/XX/XXXX. The address that 's appearing on my credit report belongs to a family remember with a similar name as me. Her name is XXXX XXXX and her birthday is I believe XX/XX/XXXX. XXXX is my cousin who moved here from Iowa. After XXXX did their investigation they mentioned that I had a mixed file, however Experian is stating that they wo n't reinvestigate these items unless I provide them with supporting documents, in which I have. Hopefully you guys can take a look at the information on the report and determine that Experian is a horrible company that breaks the FCRA and they should be held accountable. XXXX from the CFPB gave the legal aid number to potentially start litigation against this bureau. I 've included all information that 's wrong. 
1. XXXX XXXX XXXX XXXX, IL XXXX ( Not Mine ) 2.XXXX XXXX XXXX XXXX, IL XXXX ( Cousin 's Address ) 3. Bankruptcy Chapter XXXX -XX/XX/XXXX Filed and XXXX XXXX/XXXX/XXXX ( Not Mine ) 4. XXXX XXXX XXXX XX/XX/XXXX ( Not Mine and should n't be included in the bankruptcy ) There 's no way that the loan could be included in that bankruptcy since it 's alledging acquired after the bankruptcy was discharged. 

Please find I 've included all necessary documents to state my claim. Also I 'm a victim of identity theft as well.
Re :  Portfolio Recovery Acct #  XXXX  Last year,  Portfolio Recovery Associates  bought an old account from  XXXX   XXXX  and started attempts to collect it from me. As part of these attempts, it reported the account as a collection to a number of consumer credit reporting agencies, such as   XXXX    and  XXXX   XXXX .     I was concerned about the impact of this to my credit. I called and specifically asked  P.R.A. if they could request deletion of their tradelines to the credit bureaus if I paid and settled the account. I was told P.R.A.  was willing to do this, and I settled the account on  XXXX   XXXX ,   XXXX  .     As of  XXXX   XXXX ,   XXXX  ,  Portfolio Reco  very  is continuing to report the aforementioned account to the leading credit reporting bureaus. In fact, when I disputed the tradeline to  XXXX   XXXX ,  P.R.A . apparently told  XXXX   XXXX  the information should remain reporting to my credit and not removed.     PRA agreed to request deletion of this account once I paid off the debt, so this reporting should cease.   The  XXXX  debt was paid off in  XXXX    XXXX   and has yet to be removed from my record  three  months later.   I request that this account be deleted, as promised, since I upheld my side of the agreement.
This complaint is regarding closed XXXX XXXX account XXXX. 
It has been disputed twice yet it comes back verified or updated from all 3 credit bureaus. 
Sometime ago I spoke with a XXXX  XXXX employee in XXXX even though I am quite fluent and educated in English.The gist of the conversation was that I had a card that had been fraudulently used by others or skimmed.Per the conversation, the card was closed and the debt was paid by XXXX  XXXX and another card was to be re-issued and mailed. 
Instead the card did not arrive and my credit was damaged as if I had been the thief or fraudster.Instead my otherwise unflawed credit has been and continues to be damaged by this illegal fraudulent credit reporting regardless of credit bureau disputes.This grievous unconscionable behavior not only damages me but also the known forthright founder XXXX XXXX, CEO who built a small company into a the 10th largest bank in America.I 'm sending him a copy of this. 
I myself am wealthy, all properties owned outright, a large income until death and my children won't have to work as hard as I did.I 'm fighting XXXX and trying to get my family ready.I have to deal with your errors because the world requires it.If my wife 's credit was not good I might be in trouble with endless treatments to beat the XXXX which I shall.But, I will not permit XXXX  XXXX to harm me without a fight.Do not call me I will be on vacation for two weeks.Send a fraud statement if you must, I'll sign with notary.
On Tuesday XX/XX/XXXX I was alerted by my husband that all of our funds from the joint checking account which I am not the primary account holder was missing over {$400.00} that was auto transferred to another account. I immediately logged into my online account and noticed that Bank of America decided to cover a charge from XXXX that was not authorized and saw a long line of fees that the bank was trying to charge me. I was already in the works of disputing other XXXX charges and was not alerted of this transaction. I have called multiple times to get this resolved to no avail. either I am put on hold for long wait times or am told that the account is set up with overdraft protection, which it is not because I have logged in and saw that was false information by the .customer rep. The two accounts are not linked and now I am without money for my child 's daycare because someone at BOA decided they were going to make a deposit on my behalf.
I initiated a balance transfer to send XXXX from my Barclay credit card to my XXXX XXXX XXXX equity line of credit on XXXX. It is now XXXX and I still have not received the balance transfer and every time I call they say they will investigate and refuse to send any proof that the balance transfer was processed. XXXX XXXX has asked for proof several times either a transmittal number or a cashed check. Barclay has not sent anything.
I have disputed a XXXX XXXX Credit Card account on my XXXX, Experian, and XXXX accounts several times. Each time I dispute the discrepancies for the last day of activity, close date, and payment history, and the disputes are returned as verified. I have sent a dispute online and also mailed a dispute letter requesting validation of this account. XXXX, and XXXX has failed to investigate this account and continues to report inaccuracies on my credit report. 
According to my research, XXXX XXXX is reporting to XXXX : a closed date of XXXX/XXXX/XXXX, high balance of XXXX, and last date of payment XXXX/XXXX/XXXX, but no payment history. 
XXXX is reporting no close date, date of last payment XXXX/XXXX/XXXX, and no payment history. 
I am concerned that these accounts may not belong to me and/or the reporting to the credit bureaus may be inaccurate. XXXX XXXX has failed to provide any validation of this debt so I am submitting a complaint.
I have been charged {$4.00} two times to have my card replaced when fraudulent transactions were place on it : both were refunded my the merchants stating they were fraud but DirectExpress will not reverse the fees now I have not received the second replacement card and I am being told I need to pay {$4.00} again or {$13.00} to get a new card overnight. They will not transfer my funds to another outside account without the new missing card number nor will they close the account and send a remittance for the balance. I have no way to get my ssdi without paying more money to get my needed benefits they are basically withholding from me at this point.
I applied for a few general purpose credit cards and was denied this particular one, Citi AAdvantage, because of my limited credit history and too many recent credit inquiries. Then they had the nerve to tell me to apply for another card with them after they just denied me because of the inquiries. When I pointed that out to them, I was again told to wait a while -- as if they were waiting on me to die off. 
This is discriminatory. 

My application ID is XXXX
i sent a complaint to XXXX XXXX on XX/XX/18 about an account open on XX/XX/2018 which showing my loan balance in incorrect should be XXXX and i would like for it to be corrected or deleted from my report.i understand that they have 30 days to response to my letter before its a violation of the law.
Hello, I am signed up with XXXX XXXX monitoring and I checked my credit and noticed that a collection was added to my report on XXXX/XXXX/XXXX. I did not receive any kind of letter/notice from this company in order to dispute the debt ; I was not given the opportunity to dispute it. Not only that, the hospital has never sent me a bill for {$1300.00}, the amount of the reported collection.
A few months ago I was looking a car so I could build my credit I looked on the internet and I found this place in  XXXX  where I have  to drive  to look at the car I wanted to buy they advertise that it would help me with my credit so I took the advantage and I bought the car from there thinking they will report it to their agency but since I have bought it they have not did  one  reported at all to any of the  XXXX  agencies Bureau. I have been paying for going on 6 months straight and they have not been reporting it at all and when it was time for me to pay off my car I call them and I spoke to them about it and they said they will update it as soon as possible they were having problems with a software I gave them weeks and weeks and they have not kept in touch they said they will report and update all the information but they have not done so I called them all the time and all they say is for me to wait I think it 's not fair for anyone to go through this I paid 6 months and also paid off the car and they still have not reported anything this is a scam Bank and they should pay for it now my credit is the same place and Have Not progress since I 'm missing every month I update for 6 months straight and a payoff which shall gave me at least a good  credit score  for me doing a wonderful job. So I traded the car and  XXXX  paid off the balance and because they were n't reported to the credit bureau my  credit score  interest was higher and they required more money down on the trade in, when I first did the deal with the bank I did a trade in and I also put {$4000.00} on top of it and they still ripped me off completely with paperworks, so this was a total loss for me and they are not making anything better to help the situation. I would like my initial down payment back if possible and have them report the correct information.
Equifax mishandled personal information, divulging private credit data to unauthorized sources. This is a part of the larger data breach going on this month. 
As someone in the process of buying a home, with a mortgage, I have my family 's immediate well being on the line with my credit. 
There was a large delay before we were even notified that our data was released without authorization - a delay which prevented me from taking proper measures to protect myself. 
There have been misleading and changing results as to who was in fact affected - even after the issue, the company is unwilling to be open and help us.
This complaint is in regards to my balance is showing different on all 3 credit bureaus and showing missed payments for different months. I am on auto payment with Credit Acceptance how can I have a missed payment. 
Credit acceptance need to update my balance to update all 3 credit bureaus correctly and remove the missed/ late payments. A payment can not be late if I set it up on their website and it is automatically drafted.
debt buyer, out of date debts must be part of those ) XXXX XXXX XXXX is the firm and XXXX XXXX is their attorney of record. I have just received a notice of a civil suit and am answering that at this time. The account that they bought is over 6 years old and closed, although I have no idea about what account it is since I have not received any communication from them that I know of until being served with a civil suit. The original creditor was XXXX according to the papers and the last payment was made, according to the suit on XXXX. I have filed a report with XXXX, the Attorney General of Oregon, and the Consumer protection agency. According to Oregon state Credit card XXXX XXXX XXXX XXXX v. XXXX XXXX XXXX ( Oregon Court of Appeals Docket XXXX XXXX XXXX, 2012 ) and XXXX XXXX XXXX XXXX XXXX XXXX ( Docket XXXX XXXX XXXX, 2012 ) Spoken contract XXXX Written contract XXXX
This is the second complaint that I file against Transunion with CFPB for the exact same issue. Transunion marked the first complaint as completed but ignored my complaint and failed to resolve my issue. Transunions failure to comply with the FCRA is causing me financial harm as Im unable to apply for business line of credit due to a bankruptcy that is appearing in my Transunion credit report. The first complaint was filed on XX/XX/ ( complaint # XXXX ). Transunion has been negligent and has not provided me with the information that I requested under my rights under paragraphs ( 6 ) ( B ) ( iii ) and 7 of the FCRA. In summary, Transunion has failed to provide me with name, address, and phone number for the business they used to verify the bankruptcy that appears in my credit report. According to FCRA, I have the right to know the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. More details about this complaint can be found in the attached letter to the CFPB dated XX/XX/ along with the other attachments with letters to and from Transunion.
On XX/XX/XXXX XXXX XXXX XXXX XXXX fraudulently pulled an unauthorized credit report on me without my consent. I spoke to XXXX XXXX on XX/XX/XXXX and as he was reading from my file he then followed up with " we purge files after XXXX months and then stated that yours is now purged. '' I have sent certified letters, emails and additional correspondence which he will not comply or provide information requested to explain why it was pulled or who requested him to pull the credit report. As of now, I have hired an attorney to subpoena the records and time will tell whether he will comply or not. Attached are correspondence with XXXX and information provided by XXXX that they pulled an unauthorized report on me.
In XXXX 2015 I received a collections notice from " Bay Area Credit Service '' - I had no idea what it was for so I sent a FAX requesting more information, such as to whom the money was owed and for what ... .. I then set it aside to await a response and if none received intended to turn it over to the police as mail " phishing scam ''. 
On XXXX/XXXX/15, I had still received no response so I decided to attempt calling them before reporting it to the police. It turns out that the debt was a valid medical debt however, the provider failed to send me a bill and in speaking with the original service provider ( XXXX XXXX XXXX - XXXX, CA ), it turns out they had the secondary insurance information all along and simply failed to bill them either. Additionally, they advised that they had a different address but this has been the address for years and was also the address where the service was provided. The first person I spoke with said they attempted phone contact but they did not and when I mentioned that to the supervisor, she did not indicate that any attempt to contact by telephone was made. The hospital and physicians who provided treatment related to this injury all have the correct information and were all paid in full within weeks of service. 
My concern is that this type of business practice damages a person 's credit - especially when the 'debtor ' would have been and still is more than willing and able to pay any uncovered expenses. 
After two hours of phone calls and speaking with a supervisor, I was told they would forward the information to the collection agency and request that it not be reported to credit agencies. I explained that I was comfortable sharing any more information with any collection agency and again requested that they pull it out of collections, bill the secondary insurance and then, if any monies were owed, bill me for the remainder. 
The supervisor at XXXX XXXX XXXX was unfamiliar with the procedure to pull back any accounts sold to collections but will look into it and phone me back in two days. Even if I am successful in pressuring them to do the right thing, it is clear that correcting mistakes is not a standard policy or practice for this provider. 
Is there a law in place protecting people from such damaging business practices? if not, there should be. I did read that the collections agency is required to give you the original provider 's information such as the name and contact information and that was not done upon receipt of my FAXED inquiry in XXXX 2015 and when I spoke with them today, they gave me the name but refused to give me the contact information for the provider ( I found it myself online ). 
Additionally, the practice of 'selling ' accounts due at a reduced rate when they are in fact able to collect through standard billing methods, only serves to further increase the already inflated cost of medical care - making it increasingly difficult for average citizens to obtain and pay for needed medical care.
there is a derogatory Macy 's account in my credit report that does not belong to me. I have a current Macy 's account that is up to date on payments and has been that way for over 20 years. I need this to be cleared so that it reflects my actual information.
I have a XXXX XXXX XXXX  consolidated loan. I am currently on an IDR ( as well as the PSLF. ) My IDR was re-calculated and went up 250 %. 

My AGI inXX/XX/XXXXs taxes was {$25000.00} My AGI for XX/XX/XXXXs taxes was {$30000.00} My IDR based on 2016 was {$59.00} My IDR based on XX/XX/XXXX is {$140.00} I don't think an increase of 250 % is fair. I did expect the payment to go up, but thought it would be at most an extra {$20.00} to {$40.00} a month. I do not want to go into forbearance, just want a fair payment setup for IDR.
The intent of this complaint is to force the apathetic Specialized Loan Services ( SLS ) to do the right thing and correct the errors they acknowledged making. 

Our relationship with SLS began XX/XX/XXXX when we refinanced our home. As is typical refinance protocol, we provided all required documents -- including proof of dwelling and homeowners insurance -- to finalize the agreement. Since XX/XX/XXXX, we have received daily harassing calls from Specialized Loan Services ' ( SLS ) Collection Department due to an unwarranted impound account created because of internal clerical errors surrounding alleged lack of dwelling and homeowners insurance. As a result of the impound account, our monthly mortgage was increased to cover the cost of said insurance. Because we had recently provided proof of insurance at the close of refinance and because we knew this was an error, we continued to pay our mortgage as agreed sans the increased impound amount. 

As proven through various communications starting from the first notice and including most recently, through the XXXX XXXX XXXX, we have always maintained insurance. That said, in a letter dated XX/XX/XXXX ( attached ) SLS finally acknowledged their error stating their intent to immediately correct the errors and reverse the negative marks to credit reporting agencies. Thirty days later, I still receive harassing calls and our credit has not been fixed. As recently as Friday, XX/XX/XXXX, SLS confirmed they would look into the lack of progress and then on Monday, XX/XX/XXXX, they confirmed they could not find the letters and another investigation would be opened. 

Please know, SLS ' disinterested response and lack of action has caused much distress and become a huge financial burden to my family because of high interest rates and loan denials over the past two years. We have always worked diligently to pay our debt as agreed to however much of the payments go to pay interest as opposed to principal. 
We can not continue this vicious circle of high interest rate. 

Our goal with the letter is to once and for all force SLS to fix the errors internally and with the Credit Reporting Agencies.
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 , XXXX, these all hard inquiries that I do not approve. XXXX
I spoke with XXXX XXXX who called on XXXX/XXXX/15 stating that Mariner Finance did not receive a payment and asking if we would like to make a payment over the phone. I then replied no, we had just received the payment booklet earlier this week and the check was mailed out yesterday. XXXX then responded that we were in default and if we did not pay today by phone ( which she later changed to Monday XXXX/XXXX/15 ) we would lose our 0 % 1 year interest rate and be charged the default rate of 24 %. However, our contract signed states that we would be in default if not paid by 15 days after the due date ( being XXXX/XXXX/15 ). I then explained that we were fully aware of our consumer rights and would pursue legal action if needed. XXXX stated " That 's perfectly fine with me. ''
Identity theft Unknown person open account in my name XXXX XXXX  XXXX also known as XXXX XXXX XXXX Date open XX/XX/2017 Amount XXXX dollars
Because of the Equifax hack, I attempted to contact Equifax to inquire about freezing my account. Multiple telephone calls ( at various times of the day ), left me on hold for over 20 minutes or more. On one call I waited over 40 minutes and no one answered my call. I emailed Equifax on XX/XX/XXXX to find out if my account was frozen or how to freeze it. I also inquired ( XX/XX/XXXX ), regarding an error code when I attempted to complete the process to get their credit monitoring started. 
At this point I do not know if the credit monitoring offered by Equifax is active. When I tried to freeze my credit report with XXXX and XXXX I learned I would have to pay a fee. I 'm on social security and do n't have funds to purchase this type of service and do n't agree with the fact that I have to pay for an Equifax issue. 
I guess at this point I 'm at the mercy of Equifax as to how to protect my personal information.