WillisBack/dataset-financial-user-claim huggingface dataset:
I have requested on several occasions on all XXXX credit reports for XXXX XXXX account to be removed off XXXX, Experian, and XXXX. Last deliquency date was XX/XX/XXXX and this company is still reporting charge off and also has sold account as of XX/XX/XXXX to XXXX and now this company is showing collections account and date opened in XX/XX/XXXX. I have also requested on several occasions to a XXXX agencies to correct this information as well. This should also reflect actual date but instead they are using a more recent date to effect my credit for a longer period. Please remove XXXX XXXX account and correct dates on XXXX XXXX. This should not remain on my report longer than 7 year period. Thank you.
I was involved in a car accident and was not at fault. The claim was filed with the other person 's insurance company. The insurance company never paid the claim and as a result I was held responsible for payment of the ambulance transport. The ambulance fee was sent to collections on my credit report. I paid the balance and it is still showing on my credit report as an unpaid and open collection.
Both XXXX  and Transunion are reporting incorrect information to financial institutions.They are reporting adverse factors adversely affected my credit scores that include serious deliquency and Transunion also includes time since delinquency is too recent or unknown. This has been reported to 3 different financial institutions this year. After each time I contact both agencies, I am told there are no delinquencies on my credit report. They deny supplying the adverse factors. On XX/XX/2018 I called Transunion to dispute the reporting of a serious delinquency affecting my credit score and was told that I had no delinquencies reported? 3 of my  credit cards use Transunion for the FICO score with the statement : The score was based on Transunion data and the key factors provided. 1. Serious delinquency - Fico Scores consider the presence of serious delinquency ( very late payment ) on person 's credit report as a powerful predictor of future payment risk. 
The problem is I have never had delinquencies plus none shows up on my credit report, so even lawyers who help repair credit can not help since it does not appear on my credit report. I am at a loss at how to get these two agencies to stop from sharing false information as it is hurting my credit. I am praying that this complaint will help to get them to correct this problem. XXXX  is the only agency who shows my correct credit record ... never late.
Account paid to delete XXXX XXXX hasnt deleted. Called and they stated its paid in full and didnt have access to delete.
I Went to open my account. The Teller add a persons in to my account as a join account I have been Fraud.The money missing from my account The account closed by others. Now what? RE : FTC Ref. No.XXXX wish to continue thanks
Attn : Experian : I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In XX/XX/XXXX I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to the XXXX bureaus in XX/XX/XXXX 's correspondence dated XX/XX/2016, under FCRA 605B ( 15 U.S.C. 1681c-2 ) which states that bureaus are to block all fraudulent items within 4 days of receiving a ID theft report. XXXX of the bureaus duly complied and blocked the information within 4 business days. However your bureau instead treated my case as a regular dispute and put my file through the 30 day dispute investigation process and thereby you refused to accept my ID theft report and refused to block the information. This is a blatant violation of my rights FCRA.
TransUnion Ive contacted the above credit bureau on several occasions over a 2 years period, explaining to them that Im a victim of Identity theft. Also, I provided them several copies of the police report and they have not complied in removing any of the negative information on my report. I explained that the collections account that is being reported is incorrect. Ive also reached out to an XXXX XXXX XXXX   manager about the negative information thats being reported on my credit report. She reviewed the account and realized that I paid the account off in full and it was XXXX XXXX XXXX that owed me {$6.00}, in which they sent me a check. However, when I requested they send me a copy of the information, so I can prove it to the credit bureau. They stated that the account was closed and that they are unable to provide me a copy of the information to send to the credit bureau, but they will remove it. Which they never did. 
I have explained the later payment to XXXX XXXX  and the credit bureau was due to fraud and identity theft. I have spoken to XXXX XXXX  and they stated they will remove it, yet its still there. I explained to the credit bureau that the DMV has informed me that there are 2 other individuals in XXXX Florida that has a copy of my Driver License. I have requested a copy of the information from DMV so that I can provide it to the bureaus, and I was told that it is against the law for them to provide me a copy of the information and all they can do is inform me of the issue. However, they stated that the bureau can request a copy of the information and they will send it to them directly. Yet, even after finding that out that information, the bureau still refused to request a copy and continue to retain the information on my report. 
Ive also explained to the bureau that the information amount on the student loans is also incorrect and to this day, nothing is being done about it. I have been working with them for about 2 years with no result. They keep sending me back the same information repetitively without any removal. Stop having companies change my address in your system and asking me to prove my address
collection agency garnished my checking account and savings account. took all of my funds, and left me with a negative XXXX dollar balance so my next direct deposit will go to them leaving me no money for food, gas, utilities much less my mortgage payment. have XXXX dollars cash now, a week before XXXX which i will not be having this year.
I have an account with XXXX XXXX only one account. I placed an order that can to my hotel address, because I travel for work. I have only one address, but my debit cards are from two different states, because I worked in Texas for over 1 year and I have a mailbox in that state. When I make a payment is should not matter which card I use. Because I used a different debit card, XXXX XXXX has opened a new account with out my permission. I had a problem similar in the past and the company was supposed to merged the accounts together. It should not matter which credit card I use to make a payment as long as I pay the bill. Each time I placed an order, I always had a different shipping address, because I might be on assignment for a few months and see an item that I want to purchase. I am truly concern, because the new order that I placed in XX/XX/XXXX still had my permanent address and suppose to be corrected. I get a call on Monday and today from a representative telling me I we {$35.00} on my account, even though I paid {$50.00}. I was told that the company was unable to mergethe accounts. I only signed up for one account and I should not be paying for 2 accounts. I thinkthat this practice needs to be investigated. I am offended that I have to pay on two accounts. I was  also told that it could take 30 days or longer. I paid {$40.00} for this account that I never new about so that my account would be reflected in a negative manner, but I was told today that I will have to make another payment on this second account again XX/XX/XXXX. This is not accepted, I only have one mailing address not two, But I have more than one debit account from two different states. At first I had stopped ordering, because I was waiting until I lost weight. Now this company is opening a new account as I order items. This is not acceptable and I was not notified. Please investigate this practice.
As I already complaint about previously Experian assigned a special representative   XXXX   XXXX   XXXX    XXXX  most of the time he 's not available, since I have complained to the CFPB they became even more difficult, today as a revenge, they stop 'd talking to me over the phone, telling me I have different rules then everybody else, and I an only write in for any requests, discriminating against me.
Experian Report # XXXX for XX/XX/XXXX Experian has on page 3 of 20 XXXX XXXX XXXX XXXX XXXX incomplete reporting information. Experian has date open XX/XX/XXXX but only show partial XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. this is a incomplete payment history. Experian also has XX/XX/XXXX as first reported but no payment history. Experian has incomplete payment history of the loan since XX/XX/XXXX. Also Experian has not or want provide documented proof to the payment history as incomplete by them.
I opened a Wells Fargo checking account in XX/XX/ 2017 under the terms " open a new wells fargo checking account, and have 3 consecutive months of direct deposits of $ 1500+ or more to receive a bonus of {$300.00}. I have had more than 3 consecutive months of direct deposits ( each over {$1500.00} ) but still have not received the bonus! Wells Fargo has told me to wait 45 days after completing terms for bonus. It has been 3 months since completing the bonus and still have not received the account opening bonus! Wells Fargo is not delivering the bonus they promised me when I opened my account. They are misleading and running a FALSE promotion!
The equifax company leaked my information to people, including ssn, date of birth, name, sex, address. This is unacceptable and very unprofessional! I feel very unsafe now.
My income-based repayment plan was up for it 's annual renewal in XXXX and I submitted an application to continue the repayment plan to both of my federal student loan holders at the time, FedLoan Servicing and XXXX. Shortly thereafter, I received notice that the loans held by XXXX were being transferred to FedLoan Servicing to consolidate servicing of my loans. The loans showed up on FedLoan Servicing 's end in XXXX, I believe. To my knowledge, my request to continue income-based repayment was never processed by either company. I have contacted FedLoan Servicing multiple times regarding this matter. On XXXX XXXX, I received an email from a " XXXX '' at FedLoan Servicing, telling me that they were waiting to process my request until a {$5.00} payment was made on my account, although they had never communicated this to me officially. I made the {$5.00} payment online that same evening. I did not receive anything showing they had processed the repayment plan renewal, so I emailed them again on XXXX XXXX to check on the status of my request. On XXXX XXXX, they responded that I needed to allow 7-10 business days to process the request, and that 10 business days was XXXX XXXX. The request has still not been processed, or at least I have had no communication from the company stating that it has been and they appear to be billing me under standard repayment. My bill was due in the amount of {$280.00} for two of my loans on X/X/2017. I did not pay them and told them that I would be contacting you about the issue, and that I would not pay it until they processed my request. I have not heard back from them. I have two questions at this point. Can the CFPB require them to process my request for income-base repayment? And secondly, is there any way that I can have all of my federal student loans transferred over to my prior servicer, XXXX? They were much easier to deal with than FedLoan Servicing, and I never had any trouble with them. If possible, I want to change all of my loans over to them.
" We 're letting you know your ATM/debit card may have been part of a compromise at an undisclosed merchant. '' I 'm happy that my bank ( Bank of America ) is being proactive about account security, however they are forcing a new debit card number which is a major inconvenience while not providing any information about what happened.
Back in   XXXX   XXXX     I went to  XXXX   XXXX   XXXX  for an oil change and I came out driving a new   XXXX    XXXX   XXXX   XXXX . My monthly payments are currently {$530.00}. I have tried numerous times to get out of my issues but I have been denied over and over again. I currently owe {$17000.00} on a car that costs {$23000.00}. Which does n't make sense to me or anyone.
AFNI is reporting an outstanding debt in the amount of {$110.00} to my credit reports. This alleged amount was previous sold by XXXX to another company ( a BBB complaint was successfully filed against XXXX XXXX XXXX XXXX ), and was illegally sold again to AFNI. To date, I sent a letter to validate this date to AFNI, and there has been no correspondence received from them. 

At no time have I entered into any contractual arrangements with AFNI XXXX. Afni XXXX was aware of a dispute raised electronically through AFNI 's XXXX, XXXX, and XXXX inquires and collection tradeline. 

A XXXX tracked letter was sent to AFNI that this debt is illegal and invalid, and they are still attempting to collect on this illegal debt.
Equifax did not properly secure my most critical personal information, allowing it to be stolen as part of a large data breach. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via news on the internet. In addition, the day the attack was announced publicly, the website which should have verified whether or not I was a victim did not function properly ; it did not tell me the answer to this question, only giving me a date of enrollment.
I terminated my lease with GM Financial on XX/XX/2018. I received a bill on XX/XX/2018 for " remaining contractual charges ''. I contacted GM Financial by letter on XX/XX/2018 disputing a charge of {$150.00} and late charge fees. I requested validation of these charges and never heard back. They only continued to send bills. I contacted GM Financial again by letter on XX/XX/2018 requesting validation for a 2nd time and never heard back from them within more than 30 days. They are now reporting 90-119 days late on my credit reports even though this lease was terminated in XXXX. I am attaching all letters that I sent to them which began in XXXX ( XX/XX/2018 ). They never responded to any of my correspondence. I received a call from a representative last week and she only asked if I was willing to set up a payment arrangement, but did not acknowledge any of my correspondence until I brought it up. Regardless they did not ever respond back to me in a timely manner. I am attaching all letters that I have sent to them with proof of delivery.
I WAS SUED BY EQUABLE ASCENT FINANCIAL LLC WHICH RESULTED IN A JUDGEMENT AGAINST ME. I HAVE NO CLUE OF THE DEBT IN QUESTION AND I AM AFRAID THEY HAVE THE WRONG PERSON.
XX/XX/2015. XXXX XXXX  said I applied for a car loan, which never happened.never heard of these people, now all of a sudden when I submitted a complaint to the credit bureau, they said it was legit.Dont know how, s When?
On XXXX XXXX XXXX, Ocwen mistakenly applied my mortgage payment of {$1100.00} to someone else 's account number. I 'd like to get money back from Ocwen but up to today, XXXX/XXXX/XXXX, I still have n't received the money. I was in touch with XXXX XXXX, the Ombudsman at Ocwen hoping to resolve this problem but things do n't look so promising. The Call XXXX XXXX suggested me to submit a claim with consumer Financial Protection Bureau. 
Here is the history : On XX/XX/XXXX, I received a call from Ocwen saying I was behind on my mortgage. 
I called my bank and confirmed that the money has been taken out of my checking account on XXXX/XXXX/XXXX. However, Ocwen claimed that the company never received the payment for XXXX XXXX and that I was behind on my payment. 
After numerous communication, providing documentation and repeating the same story to multiple Ocwen representatives, on XXXX/XXXX/XXXX, Ocwen finally owned up to its mistake. Here is Ocwen official response : Our records indicate that on XXXX XXXX, XXXX, we received funds in the amount of {$1100.00} through check free which were applied towards the incorrect loan number : XXXX in error. 
The problem now that loan number XXXX has been service transferred to XXXX XXXX Bank XXXX, on XXXX XXXX, XXXX. In addition, my loan number XXXX has been transferred to XXXX. Ocwen told me to contact XXXX and provide a letter from them so I can get my money back. I did get in touch with XXXX and faxed them the letter from Ocwen on XXXX XXXX, XXXX. 
Today, XXXX/XXXX/XXXX, I follow up with XXXX to check-in where we are in the process. XXXX told me that the letter is insufficient and they ca n't give my money back. It 's been 7 months and I 'm still in a limbo.
FedLoan Servicing 

I have been enrolled in IBR, quite successfully, with FedLoan Servicing for over 5 years. On   XXXX   XXXX  ,  XXXX  they received my IDR request to switch from IBR to REPAYE, and said "Within the next 10 days (if not sooner!), we will review your request and send a follow up email of next steps and any additional actions needed."

On   XXXX   XXXX  ,  XXXX , I received a message from them saying "We will send you information about your request as soon as possible... Thank you for your patience as we process your request!"

On   XXXX   XXXX  ,  XXXX , I called them and asked what was happening. I explained that I had submitted a request to move from IBR to REPAYE several weeks previously and still hadn't heard anything. They said I needed to have patience. Then the customer service rep said "oh, it has been a long time, you submitted on   XXXX   XXXX  ." The customer service rep said I'd hear "soon".

On J  XXXX   XXXX  ,  XXXX , I received a message saying:
"We will process your Income-Driven Repayment (IDR) recertification request once the final bill of your current schedule is generated on   XXXX  .
Once we have processed your request, we will send a follow up email detailing your monthly payment amount or if we were unable to process your request.
Reminder: Continue to make your normal monthly payment amount. Your payment amount may change, but we will notify you of the new amount and when it is first due."

I called them within an hour of receiving that message to ask what was happening and to translate the email. The customer service representative said I'd receive a notice "soon" that would be a $  XXXX   invoice for the next month's payment. After that $  XXXX    payment, I'd be made aware of my new REPAYE monthly payment. And then, in   XXXX   XXXX  , I'd have to recertify my income and calculate a new REPAYE. That seemed reasonable.

Today is   XXXX   XXXX  , and I haven't heard anything. I'm frustrated with the communication and customer service from FedLoan Servicing. I need help. Thank you.
i was concerned for my taxes this year on my home i called ditech financial whom is my mortgage lender and they had told me that it would be over XXXX dollars for my mortgage if i was to add my taxes so i said no thanks i would pay them out of pocket and now i was to find out that ditech paid my taxes even though i gave them no written or verbal consent to do so,, when i called to ask why my mortgage had exploded to over XXXX dollars this month they told me that they had paid my house taxes for the city of XXXX, ,but i had already paid them out of my pocket for the year which was XXXX dollars,, now im begin told that XXXX had called ditech to get my taxes paid but when i called fannie mae they said they have no record of that nor would they do that because it would be illegal to do so,, so ditech lied to me about my house taxes and why they paid them after i had already paid them out of pocket and lied and used fannie mae as an excuse. my husband and i are on a fixed income him being a veteran from XXXX in XXXX and im a XXXX that just recently had XXXX,, they did this without my consent and now im told ill have to pay XXXX dollars to close the escrow account and get my mortgage back to the XXXX it was every month, my husband and i cant live like this we never asked them to pay our taxes and we can not afford the balloon payments they are asking now and we had a fixed rate before, they did this to a XXXX couple on fixed incomes and our family has owned this home for over three generations over 79 years we have always paid our bills on time and owe no one anything we dont even use credit cards because we are afraid of going over our limits .not to mention that since we had our ditech loan we have only been paying XXXX a month which they divide into XXXX for the principle and XXXX for the finance charges every month,, its not only the worst mortgage we could have ever had but we, my husband and i never asked for it we were sold to ditech from another mortgage company and did not want ditech to ever be involved with our mortgages because of their shady practices in the past. basically my husband and i were pushed into this without us ever being asked, and the worst is they have made changes to our mortgage without ever calling us or sending written consent to do do. my husband and i need help,, we are in XXXX maryand
In XX/XX/2017 I was in a horrible car accident. The car was totaled. The loan company-XXXX XXXX XXXX- said they would resell the car and XXXX out my balance, I was told it would not be put in my credit since it wasn't my fault. The car has been sold ( per my credit report ) and my balance is now {$0.00} but they placed it in my credit anyways.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX Discover XXXX XXXX XXXX, XXXX, DE XXXX XXXX : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Dear Discover, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX
XXXX XXXX XXXX has an item on my credit reports opened XX/XX/2015 showing original creditor as XXXX and a balance of {$270.00} I recognize the name XXXX but have no knowledge of this debt or this company. I have had no communication from either in regards to the alleged debt. Considering all the complaints and lawsuits they are involved in In my mind it is either a mistake or fraudulently placed. XXXX on XXXX, XXXX legal issues on XXXX some XXXX on here under their various names.
XXXX XXXX XXXX Citibank I have reached out to these companies, my credit report says I have open delinquent accounts with them. They are saying they have no record of any open accounts under my name.
Failure to provide physical proof of verification I share the exact same name as my aunt. That account number for XXXX # XXXX does not belong to me and I asked several times that it be removed from my credit report. Experian has failed to comply with the law. I have send several letters and under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified.
I turned in my leased Infiniti G37 to Nissan on XXXX XXXX 2014 as part of my agreement to lease a new Nissan Altima. The car dealership did not return ( ground ) the car to its parent company until XXXX 2014. Resulting in false missed payments and serious delinquencies reported on my credit report.