WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a reporting service many years ago from Experian and have been charged $ XXXX/month. About a year after I purchased the account ( # XXXX ), my password either expired or was forgotten and I requested to update it. I was unable to do so online as Experian had the incorrect information associated with the account ( name, SS #, address, and/or Mother 's Maiden name ) and I was directed to their service line. I called repeatedly and was promised that they would send me a temporary password, but they refused to ever actually do so. After repeated such attempts i complained and was told that they had been sending emails which were blocked by XXXX. In the interim I continued to receive monthly advertising emails from Experian to the identical email account. I contacted XXXX, who had ( 1 ) never been informed of such a problem by Experian, and ( 2 ) also could not comprehend why some emails would successfully go through but others would not. I forwarded an example of such an email back to Experian, but when I spoke to a Supervisor, who refused to read that email. In the meantime they continue to charge my Credit card for services that they are blocking.
My complaint is with XXXX XXXX bank and my previous card ending in XXXX. According to XXXX my account was hacked somehow I think my card was skimmed because several people in this small town had theirs skimmed as well. 
XXXX XXXX REFUSED to alert me to strange expensive purchases and even though they took it upon themselves to block a lot of phony purchases they decided to keep everything a secret. They closed my account and ALL ACCESS FOREVER TO MY PREVIOUS TRANSACTIONS. My credit score crashed 100 points because of them and I have proof that I 've been using this card almost  like a cash card paying off my balance in full OR MORE OFTEN EVEN MORE THAN THE FULL AMOUNT I do all of this to rebuild my credit and it was working my FICO score went up about a 100 then crashed IMMEDIATELY WHEN THE HACKING STARTED. 
XXXX XXXX PROMISED ME that they would contact Experian to explain but they just told me that was a lie to get me off the phone. XXXX XXXX violated their own posted rules by refusing to alert me when my account was being hacked then denied access to my own information. It 's hard enough to recover from bankruptcy and I even took a class as to how to rebuilt my credit but you allow these guys to do whatever they please with zero consequences. I 'm still being transferred from one incompetent agent to another with as always zero results.
Freedom Mortgage Corporation is denying receiving monthly payments that were withdrawn electronically from checking account by their bank, XXXX XXXX XXXX. Freedom Mortgage has taken no action to track done these payments through XXXX XXXX even though they were given the Trace ID numbers. The only response to date on my requests to resolve these payments issues are letters saying they need 30 days to research, but it 's now nearing 60 days old and no response. I need assistance to resolve this issue as Freedom Mortgage only cares to charge me interest on payments their Bank withdrew and has no incentive to cooperate with me as they would prefer to foreclose and take my home. All request to talk to a senior supervisor while on the phone have been denied. Freedom telephone response is either their Cash Department or Research department will look into it. 

The problem began when I changed my checking account and bank routing information using Freedom Mortgage online system. Freedom says I closed my reoccurring payments, but their bank, XXXX XXXX XXXX, continues the unauthorized withdraws from my checking account without anything being posted to my loan. It appears Freedom Mortgage system did not properly transmit the correct data to XXXX XXXX XXXX. XXXX XXXX continued the withdrawals in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and this money is either going to someone else 's loan or being deliberately stolen my employee theft. Freedom Mortgage has charged me interest on my account for the mistakes made by them and XXXX XXXX, which is illegal and fraudulent. My bank has been on the calls, agrees with this assessment, and has never seen such bizarre behavior.
I tries calling this company to negociate the debt and was advised that if I dont pay the debt in full b y  XX/XX/XXXX the  debt will be reported to the credit, I tried to get a payment arrangement, and they told me that a payment arrangement will not stop the debt from hurting my credit, I think this is unfair because I am willing to negociate and make payments, I felt threatened by this. I spoke with supervis or   XXXX   XXXX   on   XXXX   XXXX   XXXX   around   XXXX   XXXX   EST.
DEBTOR 'S NAME IS XXXX XXXX HE HAD A TITLE LOAN WITH TITLE MAX # XXXX IN XXXX, TX. A COMPANY BY THE NAME OF XXXX, UNLAWFULLY PUT A GPS TRACKER ON HIS VEHICLE AFTER THE PAYMENT WAS DUE. XXXX REPOSSESSED THE UNIT, BECAUSE OF THE GPS TRACKER THAT UNLAWFULLY PLACED ON THE XXXX FORD F250. I KNOW THIS BECAUSE THE MANAGER BY THE NAME OF XXXX CALLED ME AND ASK IF I WOULD REPOSSESS THE TRUCK, BEACAUSE XXXX WAS AN XXXX AWY AND COULD N'T GET TO IN TIME. I ASKED WHO AUTHORIZED THE USE OF UNLAWFUL DEVICE SUCH AS AN GPS TRACKER AND SHE SAID HER BOSS XXXX XXXX HE SAID TO GO AFTER EVERY CUSTOMER WITH VENGENCE, ITOLD THAT THIS WAS ILLEAGAL AND REFUSE TO REPOSSESS THIS UNIT.
These credit inquiries listed below are not mines. 

XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX  ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX  XXXX BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX  ) XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX   XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX/XXXX   XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
In approximately XX/XX/2016, via telephone I was disputing the charges. but didn't feel listened to. I was explaining I believe some charges were from another source and disputed the overall balance. I got nowhere. I hate to think my identity was hampered with but the company reps didn't seem eager to assist.
The account in question was previously removed from my credit reports due to XXXX XXXX not following the proper protocol for attempting to collect a debt, the former collection agency was XXXX XXXX XXXX. This debt was removed then sold to another company unbeknownst to me. I was made aware of the selling of the account once it reappeared on my credit report. The new company is showing as Commonwealth Financial Systems and I received no communication in any form from this company. From what I understand I should have been notified no later than 5 days before this attempt to collect was placed back on my credit reports. I would like your assistance in having this debt permanently removed from my reports. 
Thank You for any future assistance
This company has given out my social security number to a third party and also on my voicemail. They have also left voicemail messages with my car information, vin number, and license plate number. To a third party. They have calling myself and my family saying they will repo my car and call my car leasing agency and tell them to repo my car. They calling for the telephone number XXXX. The company is called Warner Asset Location Services. They claim their location is in XXXX but they are location somewhere in the XXXX area.
I received a call with a unknown number from Ace Cash Express to call them back that they are filing a claim against me. I called back and the representative accused me of fraud for not paying back the pay day loan. I explained to XXXX XXXX that Ace cash Express put me in a cycle of debt and I just could n't pay back anymore. He did n't care and threatened to file a law suit with XXXX county. I told him that I ca n't afford to pay them back because I only work few hours a week but I will try to borrow money and call them back. However I could not borrow any money to pay back. So the next day I received a voice mail supposedly from an officer to call them back or they will go to my employer. I live off pay check to pay check and it 's their fault for putting me in debt and now pretending to be a officer. They also called my sister and threatened to call my employer even though I do n't work in a office.
To whom this may concern, I have asked XXXX and XXXX to verify there means of the account XXXX XXXX has on me, all the keep telling me that the information is accurate. I need to see proof of my signature and also there means of verfication thanks in advance.
Nelnet was given standing instructions on how to apply my payments sitting a phone call to them in XX/XX/2018. Although, in XXXX, my payment was applied differently. I called them at the beginning of XXXX and was told that someone in the accounting department deciding that how they applied my payment was better for me, deliberately going against clear standing instructions that the staff member was able to articulate clearly from the notes on my account. I then called today, XX/XX/XXXX, to complain to a manager regarding this choice made by their employee. I was told that they would submit a formal complaint. I then requested that I receive a copy of the complaint. I was told that they could not and that was between Nelnet and the government.

There is no repercussions for this company and their inability to handle customers or their employees. No accountability to anyone.
I look at my Credit Reports and found the following errors : XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX   # XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXXXXXX XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXXXXXX XXXX # XXXX I have never late. Verify records or delete late records XXXX XXXXXXXX XXXX I have never late. Verify records or delete late records These are addresses I do not recognize, please DELETE XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OXXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX My only phone number that are correct : XXXX. Please delete all other phone numbers. 

There are variations of my name which are not correct. Please delete name variations. 

There are variations of my Social Security Number, which is a red flag why there are accounts I do not recognize. Please verify my SSN and remove any variations.
XXXX XXXX 2018. Citi bank website and mobile app displaying my checking account balance as follows Available Now : {$10000.00} ( " Available Now '' is the amount in your account that is available for withdrawal .... ) On Deposit : {$11000.00} I called to Citi bank branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX to notify about withdrawal of {$10000.00} prior to visiting branch. 
At the branch teller under the supervision of supervisor denied to do the withdrawal of {$10000.00} because they believe that the check of {$7000.00} that I deposited on XXXX XXXX at ATM is still pending. I told them that money is showing available on website, they told me that it is not available for withdrawal it is available for debit transaction (? unclear ). 
Website and app clearly states " money available '' means available for withdrawal. 

Called customer support, after long hold finally reached some representative in XXXX, who was not able to help, could not clearly explain the different between available funds and actual available at local branch and offered to withdraw money from ATM which he could technically increase a limit of up to {$5000.00}. 

So the available balance that is showing in Citi bank website or app is not the amount one can withdraw at the bank. The amount that can be withdrawn at the branch is pretty much depends on teller 's mood and personal relationship. This is my second similar experience with Citi bank outsite of my neighborhood. 

I have been banking with Citi bank for over 8 years, have excellent credit score and over {$20000.00} credit line with Citi with approximate XXXX balance.
Our mortgage was sold within the XXXX year and immediately our payments increased by {$300.00} without warning or explanation. Since then we have been trying to get our interest rate lowered. Then my wife became very ill, was out on XXXX a few times, had XXXX surgeries, and is now on total XXXX. During her time of illness, we were unable to make our payments. For two years we have been trying to get a loan modification, or at least a reasonable interest rate. Every time we have complied with the requested information, they say it 's out-of-date and it seems we have to start all over. The company is Ocwen. We were told that we would NOT be foreclosed on and if we would just keep sending in the paperwork, something would be worked out - that they WANTED to work with us. Now we received a summons of forecloser. We ca n't seem to get anywhere with this business ; calls coming from XXXX which makes it even harder with the communication. We have complied and have KEPT complying with their requests and something new always comes up. We are frustrated, scared, and frankly angry that this is allowed. We ca n't even speak to anyone American so as to understand what they are even saying. We have gotten nowhere fast and feel that this type of conducting business should not be allowed! e neeD SOME HELP!!! PLEASE!
On  XXXX   XXXX ,  2017 Wells Fargo sent me a letter notifying me they were closing my safe deposit box. I promptly complied with their request for me to return the key. Unfortunately they have refused to return the money I paid to rent the safe deposit b  ox.
On X/X/17 I received an email stating that I would need to make a payment on my student loan before or on X/XX/2017. I was not given an prior notice that repayment would start so soon. On X/X/2017 I spoke to a representative at Navient who told me the reason that I had not received any communications regarding repayment was due to my being in grace for XXXX student loans. She then told me that I may apply for forbearance for the month of XXXX. I believe it is inappropriate and most likely illegal to ask someone you have a contract with for payment only 11 business days in advance. I should have had to get forbearance - my repayment due date should have been adjusted.
This is a followup to my complaint against Navient filed on XX/XX/XXXX in regards to late payments on my student loan accounts. The previous case number is [ Case number : XXXX ]. Upon speaking with them on both yesterday & today, their response was that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Navient is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how the lender is to handle a situation when subsequent information updates a report that was allegedly accurate in the present time ( i.e., the identical situation I am currently in. ) https : XXXX The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' Navient representatives told me that because the delinquent payments were accurately reported in XXXX of XXXX to XXXX XXXX that any subsequently initiated deferments or forbearances would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in forbearances. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All of my Navient accounts that were part of the XXXX XXXX to XXXX XXXX late payments show forbearance status effective as of " XXXX XXXX. '' Also, I was on an unemployed deferment up until XXXX XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with Navient, both as they actually existed and as Navient has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the XXXX accounts showing a total of XXXX 90-180 day late payments from XXXX XXXX to XXXX XXXX be updated and/or corrected and removed.
This is the 2nd time I have filed a complaint against Transunion. As usual the first time they did NOTHING that I requested for dispute resolution when I contacted this agency. All I asked for a reset of the credit history, since I knew they were violating US law. 

They did NOTHING of the sort and I know they did n't check all of the disputed items You got played like a fool but hey whats that saying good enough for government work? They sure did n't delete, anything acknowledge anything, nor erase what I asked them to as a clean credit history.
Account XXXX. 
In XXXX 2008, Chase reports I was late & gt ; XXXX thirty days and reported this to all the credit agencies. Then they finally learned they made an error ( I was only one day later and less than thirty days ), so they throw out they never got a payment!. If that was the case, my loan would be showing late all the way to payoff and the payoff amount would have been adjusted by the escrow officer. Each agent on XXXX provided a DIFFERENT version on why they reported a late payment and clearly trying to cover up an error. In fact, they disconnected my call once when provided evidence of NEVER being late. Their NEW position ( third version of an excuse ) is they never got a payment. I sent they all my bank payments showing debt to their account XXXX and in their own record it shows payment current month after months & lt ; 30 days late yet they never correct their error nor try to map out that error only XXXX rep saw and error and then disconnected the call. If I still owed they money, they would have never accepted the loan payment amount. When, I argued my contract stated it 's not due on the XXXX and the XXXX, an agent in 2008 said I would " pay '' for not being her a payment over the phone immediately.
My deceased husband ( died XX/XX/XXXX ) had a credit card with Bank of America. Upon his death, Bank of America placed the account in my name. 
I have no knowledge of this account. 
I have asked Bank of America for a copy of the signature page that I would have signed in XX/XX/XXXX, when they claim the account was opened. Bank of America can not produce one because I did not sign one. 
This account should not have been placed into my name. 
My credit report now has this delinquent account on it and my credit score has been seriously lowered. 
I have spoken with various Bank of America representatives that do not have any of my information on their system. They did not have knowledge of my date of birth, social security number, etc. When I inquired why Bank of America felt that my deceased husband 's debt was no mine the answer was always " because our computer tells us that ''. They have admitted that there is no signature page from XX/XX/1991 ( when account was supposedly opened ) with my signature applying for this credit account with Bank of America. 
Bank of America has now 'charged off ' this account and has sold it to various collection agencies that call me repeatedly and send old monthly statements where my husband apparently used the account but no one can produce a signature page with my signature on it thereby creating an agreement/contract with Bank of America . 
Please help me remove this from my credit reports with XXXX and XXXX. 
XXXX let me attach the note that " I have no knowledge of this account. '' but will not report the information from my report. 
XXXX will not let me add the notation. 
XXXX does not show this account on my report. 
Please help me.
XXXX XXXX is the collection agency that XXXX XXXX sent my account to. 2 months ago, they took my balance of {$550.00} off of my credit report. After about 3 weeks they put the amount back on my credit report and reported that account was opened on XX/XX/2017 which is 100 % false. I tried to call CONVERGENT and they could not even find my information in their system. They should not be able to remove that from credit report then enter it again with a new date that is fabricated.
XXXX started this whole ordeal, prior to them taking me off of XXXX XXXX deal with older people getting phone service cheaper. When I saw my TU report that XXXX XXXX, had gotten this, back in XX/XX/2018, I disputed the charges with this agency, but have not been able to dispute this with this collection agency, XXXX I've never got any mail notification, from them since they had gotten it from XXXX since I've gotten this information off my credit report thru TU, back on XX/XX/2018. XXXX is the culprit of this whole ordeal. I told them I wanted a landline phone, with caller ID only, they wouldn't accommodate me. They decided to turn me off completely from their services. So much for Technology.. all XXXX  wants if money!
I disputed an item on my credit report for a judgement for XXXX XXXX company. I provided Equifax with a copy of the judgement letter that had another person 's name and a different total amount.The person on record was a XXXX XXXX and the amount was {$1200.00}. Dispute having an incorrect name and amount, Equifax still reported that the item belonged to me.
Failed to pay service provider. Will not communicate. I am an independent fee appraiser. Nationstar ordered a foreclosure appraisal through the Dept of VA. they will not pay or communicate with me. I have sent several billings, put into collections, requested help from the VA and still have not received payment. Due to not communicating, I am filing a complaint and a congressional inquiry.
In XXXX 2015, the original debt of XXXX plus interest of XXXX = XXXX which was represented as the total indebtedness at that time. How did the debt rise to XXXX in 2+years ( an increase of ~56 % )? Debt numbers can not be referenced to any loan generation source ; they are not cross referenced to any other loan numbers. see attached documents to secure these points.