WillisBack/dataset-financial-user-claim huggingface dataset:
I was signed on as an authorized user to my XXXX year old mother who has XXXX/XXXX.as I am her POA ( while XXXX XXXX XXXX did not accept it-only one-wants original documents we don't send ) and daughter-it is not my account or debt, yet they have recorded it as such which is hurting my credit score.  On top of it fraud was made not resolved to the tune of nearly XXXX in charges and another XXXX in fees on the XXXX  XXXX XXXX acocunt which is now being reported and not resolved despite hours w fraud dept. someone stole my moms social and called her and got her to transfer huge amounts of money one to another charge that was over what she owes and another to a bank that is not hers. IT has happened twice on XXXX too, but XXXX is not reporting me as I am not an authorized user. In additional to the fraud, XXXX XXXX XXXX MUST REMOVE THIS REPORT FROM CREDIT BUREAUS IMMEDIATELY AND ALSO CORRECT THE FRAUD.
I am on an income-driven repayment plan. My payment should be {$0.00} due to low earnings. Many times, over the phone, I have been told that I need to make one final payment and then my payment is {$0.00}. 

On XX/XX/XXXX at XXXX I spoke with a Nelnet representative and was told one last payment and then my payment goes to {$0.00}. 
I got the same response when I called on -XX/XX/XXXX at XXXX - spoke to agent XXXX XXXX -XX/XX/XXXX at XXXX -XX/XX/XXXX at XXXX -XX/XX/XXXX at  XXXX and XX/XX/XXXX at XXXX - spoke to XXXX ( who stated they have no ID number to distinguish themselves ) . 

Per conversation on XX/XX/XXXX, I was told to sign and upload a income driven repayment plan. I did. This person was a supervisor and said that I do not have to pay my payment of {$60.00} due on XX/XX/XXXX. Per the conversation with XXXX on XX/XX/XXXX, he contradicted this information. He in fact told me that the PDF that I sent of my income plan was blurry. Bologna. I looked at the PDF and the quality of it is outstanding. If the document is blurry, they need to change their toner. 

I have paid the amounts they asked me to pay but they keep saying I have to pay and then it goes to XXXX, pay and then it goes to XXXX. This establishes a pattern. By XXXX saying the copy they received of my income driven plan is blurry when it is clear, suggests benign dishonesty. Altogether, this shows the company is shifty-eyed, preying on the weakness of the individual against a politically powerful corporation that doesn't bat an eye when they squeeze and squeeze because they know they can get away with it. 

I want to hold them to their word. I do not have to pay this month 's payment because I have complied and they respond with a byzantine shrug.
I have asked the credit reporting agencies Experian, XXXX to remove a trade line to inaccurate reporting. I have tried several times, NO ONE is listening to me. The incorrect trade line is still there. This is not fair treatment. I have disputed a collection agency /hospital bill for over a year with an insurance company. The bill was paid in full three years ago. The bureau continues to report as paid in settlement less than the full amount after numerous times of advising this information is not true. The collection agency XXXX XXXX XXXX now XXXX stated they ca n't change the bureau, the bureau will need to remove the tradeline as its reporting in error. The agency is stating they have reported all the correct information. I have complained to supervisors, they sent me a letter confirming, paid in full. I feel that I am being ignored and this is affecting my personal life and impacting my credit rating. The hospital, XXXX is at fault for sending my account to a collection agency while I was paying, the collection agency XXXX XXXX XXXX is at fault for initially reporting inaccurately and the bureau 's, Experian and XXXX are is at fault for continually reporting this inaccuracy. I want this trade line removed. I have submitted several complaints. Thankfully XXXX XXXX listened and removed the trade line. Will someone please help me get this resolved.
I 've contacted Navient and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. Navient has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my Navient accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due ( XXXX 2014 and XXXX 2014 ). I respectively ask that the late from XXXX 2014 to XXXX 2014 be removed and set to current. As soon as I contacted Navient they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as Navient is doing illegal collecting practices.
360 Mortage services my loan. The company has refused to send my overage in my escrow and has continued to overcharge me with incorrect billing statements. I requested the company to send me my overage of funds of {$1700.00} along with any other funds I have over paid and the representative XXXX refused to comply with Morgage Servicing regulations. I have included documents of proof regarding payments and confirmation numbers below. This correspondence will also be sent to the State Attorney General, State Auditor of Texas and Mississippi. to assist with resolving these issues and investigate fraudulent activities.
My name is XXXX XXXX XXXX my SS XXXX my DOB is XXXX. I have old and unknown addresses appearing on my credit report. The following addresses are not mine they are inaccurate please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have several number that are not mines on my credit report that need to be deleted the following numbers are not mine ( 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.
I purchased a home in XX/XX/XXXX. The original mortgage company was Total Mortgage. They sold my loan to XXXX XXXX XXXX. I made payments as they were due to whomever they were due to, as a matter of fact, some months I made 2 payments. I am currently paid up through XX/XX/XXXX in an effort to pay down my mortgage. 
I take my credit history extremely seriously, I am working 2 jobs and am going to school to obtain my XXXX in XXXX. If I can not afford something, I dont get it! To be told that I am showing up as past due in Total Mortgages system, actually makes my ill. 
If I made my payment to XXXX, as I was instructed to do, shouldnt XXXX reimburse them instead of saying that I am past due and owe them interest? I am not sure if his is a scare tactic, but its working. I reached out to my mortgage broker, and he is working on this, but I need help. We are talking {$1300.00} here, not a few dollars! 
PLEASE, please help meif this is happening to me, it surely is happening to others! 
Email below : -- -- -- -- Original message -- -- -- -- From : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  ( XXXX ) To : Subject : RE : Mortgage Payment Information Good afternoon, I would like to apologize again for all of the confusion. I would like to explain what happened on our end since I am unsure of what XXXX stated when they initially reached out. 

Your loan was purchased by XXXX a payment down, therefore your first payments principal and interest was due to be kept with Total Mortgage your first mortgage payment was due for XX/XX/XXXX and your first payment due to XXXX was XX/XX/XXXX ). The P & I from your first payment were transferred to XXXX in error so your loan is currently showing as past due in our system. I received a copy of your payment history from XXXX on XXXX and it is showing that you are due for a XXXX payment ( *if you have made a payment since this date may differ ) ; since the funds from your first payment were sent to XXXX it technically pushed your due date a month forward being due for XXXX. 

The error came to our attention and we put in a request to XXXX on XX/XX/XXXX to get the P & I reversed back to your account with Total Mortgage. This would not affect your PMI at XXXX since the escrow from your payment was purchased by XXXX, however, it would bring you back to currently due for the correct month of XXXX. If the funds do get refunded to us at Total Mortgage, I will ensure with XXXX that no late charge is placed on your account if they do not receive your due payment by the grace period. 

Another option would be to set up a repayment plan for the P & I of this payment to be paid to Total Mortgage for your convenience. We can based this repayment around a time frame you request from 6-12 months. The amount due is {$1300.00} ( principal {$360.00} and Interest {$890.00} ). 

Please let me know if you have any questions and I apologize for any confusion and inconvenience again. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX x XXXX
The website set up by the XXXX major credit agencies ( XXXX ) no longer provides any reports online. Equifax and XXXX directs the user to write for the free report and requires a long list of documents in order to fulfill the request. XXXX 's site just stalls for hours until user finally gives up. As soon as the session was over, Equifax sent me an email advertising their pay services. It is clear they are trying to circumvent the federal law requiring them to provide free credit reports.
I disputed the accuracy of reported bankruptcy under my social security number. I asked for validation and proper supporting documents how this information was verified and was never provided the supporting documents why this entry remains and how it was verified. I included a letter from courts that specifically states they do not verify such with the any credit bureau. I ask for this entry to be deleted please.
Opened a business checking account with Suntrust XXXX 2015. Was notified XXXX XXXX that account had to be closed because they made a business decision to no longer service our industry. XXXX XXXX loans ). 
The bank personnel admitted that the decision was made due to the FEDERAL GOVERNMENT PRESSURE TO NOT CONDUCT BUSINESS WITH A PAYDAY LOAN COMPANIES. ALSO KNOWN AS AN ILLEGAL BACKROOM POLICY NAMED 'OPERATION CHOKEPOINT '!!!!!!! 
WE ARE A SMALL FAMILY OWNED BUSINESS THAT IS BEING CRUICIFIED & CRUSHED DUE TO THIS IGNORANT POLICY!
This is a complaint against Transworld Systems Inc. and the XXXX XXXX XXXX XXXX department. 

On XX/XX/XXXX I received a notification from Transworld Systems Inc. that an account of mine has been placed with them for collection. The account is with XXXX and is in the amount of {$310.00}. 

I have a payment plan with XXXX for this account that was started in XX/XX/XXXX. My monthly payments are current and complete. Please see attached for correspondence with XXXX XXXX XXXX XXXX department on setting up the payment plan, as well as the XXXX and XXXX installment payment confirmations. 

XXXX should have never placed my account for collection. Additionally, this balance payment is for a medical bill that was not processed by XXXX in a timely manner with the insurance company - please refer to my XX/XX/XXXX CFPB complaint # XXXX. This will ruin my credit score and  Transworld Systems Inc keep calling me while I am at work and not able to discuss sensitive details on the phone.
Hello, I been dealing with Wells Fargo Home Mortgage since XX/XX/XXXX. I had a hardship around XX/XX/XXXX-XX/XX/XXXX with my company because of the slowing economy. Before that period I was never late because this is a rental property that pays for itself with positive income. During my hardship a 3rd party started collecting the rents to pay down another debt as well as pay the mortgage on time. They fell behind by a few weeks. I went to court so this company could no longer collect my rents. I spoke with Well Fargo about making a few extra payments to caught up with my mortgage payment, or a modification. I ask about a payment plan, forbearance, or reinstatement. I sent them paperwork from the courts, but they would not work with me. I had XXXX % of the balance, but they wanted XXXX %. I asked could I triple up on my payment, they said no. A representative said that Wells Fargo will not work with me because I have equity in the house and they want the house. I was denied 3 times without a clear explanation. I call them, wrote them, and was refused to speak with a supervisor. I was delayed because I had to send the same paperwork to them over & over. I was forced to file bankruptcy to save my house. They can foreclose on my house at anytime. I just want to be able to sleep at night knowing I will be able to continue paying toward the balance without the threat of losing my house. I can have this house paid off in 6 years if Wells Fargo just communicate with me. They are determined to take my house that I purchased in XX/XX/XXXX. What can I do to make this situation favorable to me and a lender. My escrow account is mixed up because I been paying taxes & insurance and they have been paying also. Need advised ASAP.
Credit Bureaus have the wrong Information on file there was no Charge off nor did the account run late as stated by credit bureaus. XXXX XXXX did not close the account out right nor did they fix there errors. 

there was no charge off or a balance owed. 

I have provided a letter showing there is no balance nor a charge off. 

there is information showing after the account closed out in good standing showing as open and it was reporting to the credit Bureaus after the account was closed out as late. 
There is a lot of wrong information on this account. No balance never was no charge off nor money owed after it closed out. 

XXXX XXXX
My identity was stolen. At the early part of 2016, I started to receive telephone calls from several credit card and a exercise equipment company stating that I had taken out credit and had began to go delinquent in my payments. I filed a police report and provided it to all the creditors that I did not recognize on my report. While some companies have removed the fraudulent accounts from my report, XXXX XXXX/XXXX XXXX is one company that has refused to do so. I hired an attorney to handle this matter for me. He stated that XXXX would only agree to settle the balance that had now charged off. I made all the installments to pay it in full. However, the impact of identity theft is still affecting me because this shows as a negative entry on my credit. I would like for XXXX XXXX/XXXX to take in consideration all of the documentation I 've provided on identity theft and the great lengths I 've gone to get this rectified. I have disputed this in writing and directly through the bureaus but no one will listen to me! I have even agreed to pay money back that I never received. I want them to remove this from my credit report because we NEVER were in business on this account and they have come out the victor by getting money from me anyway.
Lexis Nexis, XXXX, and XXXX credit reporting agencies Per the FCRA 623 ( a ) ( 5 ) : did not VALIDATE my information with the ORIGINAL CREDITOR, and did not remove the said information from my credit file. NOTE : any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires to notify the party who furnished the disputed information " Federal courthouse and " U.S. Bankruptcy Court " which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.

As such, FCRA 1681 ( p ) ( 1 ) consumer reporting agency maintaining files for the purpose of furnishing consumer reports to 3rd parties bearing on a consumers credit worthiness, credit standing, or credit capacity ( 1 ) public record information is unverified and unconfirmed information.

According to XXXX Law Dictionary, the person who verifies my information must have first-hand knowledge and willing to testify under oath in a court of law. 
According to 15 U.S.C. 1681 Fair Credit Reporting Act Section 602 ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy Privacy Act of 1974, 5 U.S.C. 552a and FCRA 16 CFR Part 660.
On Thursday, XX/XX/2018 I received the below email from Capital One 360 stating that my accounts had been restricted until my recent activity can be verified. However, on Friday, XX/XX/XXXX they accepted the deposit of my paycheck through ACH. 

" We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 
We may contact you to confirm this activity. Based on the results of our review, your account ( s ) may be closed and your balance - plus all interest earned - will be transferred to your linked external checking account. 
Questions? Give us a call at XXXX. We're available Monday-Friday XXXX XXXX.-XXXX XXXX ET. '' Upon calling the number listed in the email I was sent to the voicemail of the Customer Security Intake Team where I left a message. I reached back out to Capital One 360 Customer Support and was told they can give me no information as to why my account is restricted & transferred me to the Customer Security Intake Team 's voicemail to leave another message with the expectation that I would be hearing back from them within 24-48 hours. 

A week has now passed and I have not been able to access my money nor have I been able to speak to someone who can explain to me why I can not access my money. I've made dozens of frustrating calls to Capital One 360, I've left countless voicemails, but it's become very apparent that as a Capital One 360 Customer Support Representative stated to me " they are on their own time '' and don't seem to care about their customers. I've had multiple payments be returned due to " Insufficient Funds '' although there is currently a positive balance in my account to cover those charges.
I sent a letter to dispute this debt, which I didn't believe I owed and to request that CCS ( XXXX XXXX XXXX ) validate the debt by providing the documentation and information that I requested in the letter sent. I sent this letter certified mail on XX/XX/2018. Since the above mentioned date I haven't received any of the information I requested.
While attempting to refinance my home mortgage in XX/XX/XXXX and XX/XX/XXXX, I discovered a Derogatory Collection Filed on my credit report that did not belong to me. Creditor listed as XXXX XXXX XXXX in the account number XXXX and original creditor being XXXX I c/o XXXX XXXX XXXX. Amount of {$390.00} had been sent to collections in XX/XX/XXXX. Upon my personal investigation with phone calls to XXXX XXXX XXXX and XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX. I was told that the name on this account was XXXX XXXX. The Social Security number they had on file matched mine. I am not that person nor have I ever used the name XXXX XXXX as an alias or any other alias 's for that matter. Furthermore I have never lived in LA nor have I ever been to the state. My efforts through XXXX XXXX XXXX, XXXX XXXX XXXX and the reporting agency XXXX XXXX, where the error had been discovered, to try and correct this error were not satisfactory. I then contacted my XXXX Congressional Rep, XXXX XXXX, and her staff helped me by filing a complaint on my behalf with CFPB. That complaint number was XXXX. After CFPB 's investigation a satisfactory resolution was achieved with XXXX XXXX deleting the derogatory information of the {$390.00} collection from my credit report XX/XX/XXXX. However I have now discovered that XXXX of the other major credit reporting agencies, Equifax/FICO and XXXX/FICO have not deleted the derogatory collections information from my credit reports regarding the XXXX XXXX XXXX {$390.00} error. The other XXXX agencies also have the name XXXX XXXX with my Soc Sec number listed under Source of Information. Another error. I was under the impression that once XXXX XXXX had deleted the incorrect information from my credit report and XXXX XXXX XXXX had corrected their error that Equifax and XXXX would update their records and delete the information also. But, after calls to CFPB and XXXX XXXX, I was informed that the Credit Reporting Agencies do not communicate this information with each other and each agency has it 's own methods of reporting information on consumers. I would like to have XXXX and Equifax delete the collections information and remove the name of XXXX XXXX from my credit reports. Also Equifax and XXXX have an address listed for me in XXXX, IL under the Source of Information that I have never lived at. I have lived in XXXX, XXXX since XX/XX/XXXX and no other city or state.
I have been trying to get a loan modification since XXXX 2016 from ocwen. All i get from them is account is in review. They have stopped accepting partial payments and will not help with loan mod. They keep telling me some underwriter with no way to contact them has my information.
I have an unverified account from MEADE & ASSOCIATES. I had previously disputed this account. I have never done business with MEADE & ASSOCIATES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MEADE & ASSOCIATES provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Unable to complete dispute on Transunion site. Credit card charge off is not mine and I did not apply for it. It belonged to ex spouse and is part of her bankruptcy claim.
Equifax has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized