WillisBack/dataset-financial-user-claim huggingface dataset:
To CFPB After many attempts and request for Experian to remove inaccurate personal information from my report as required by Federal and State law, ( old inaccurate addresses ) they have refused to obey the law, we have sent multiple request by letter and also by certified letters and their response has been less than intelligent therefore, after speaking with you yesterday and the research you did to find if Experian has a history of this abuse and finding that you have had hundreds of complaints against them and also, I filed a complaint with the Texas Attorney General 's office, XXXX XXXX who did a preliminary search while I was on hold and found that there were multiple hundreds of complaints made against Experian as well my attorneys are now preparing the paperwork to file a major law suit against Experian for their abuse of Federal law, my attorneys noticed that Experian has multiplied the old inaccurate addresses on my report many times to the tune of 13. Therefore, and because of this abuse we will sue them in the amount of {$1000.00} per old address ( 13 total ) for my time in having to deal with this ( {$10000.00} ) court cost and attorneys fees.

We will also be issuing a public bulletin in addition to my law suit against them to prepare to file a class action law suit as well.

I do appreciate you sharing with us the fact that you have, in the past, fined Experian XXXX XXXX dollars for misrepresenting peoples credit scores and we urge you to fine them again for their many abuses on my and others.

We have all their responses and will present it as evidence against them in court.
in XX/XX/XXXX I financed a car from XXXX XXXX in XXXX, fl. Almost 4 years later and I have never recieved not one paper regarding the the loan. The orignal excuse I was given was that the printer was broken. Thet promised I could come back the following day and pick up my papers. Never once did they follow through with anything. I have spent years and countless times calling even showing to the dealership multiple times. The people were beyond rude. They would curse belittle and insult me. I also had a friend who I brought with me to help with the whole sitatuation, they even threatened voilence towards both of us as well. When I left the original day I had no idea of anything about the car. I didn't even know the name of the bank. I am currently still trapped in a horrible loan, i was never advised my payment was XXXX/mo. was never told my interest rate was over 27 % either. I had to piece together all the little infomation i had on my own. Wasnt hard to see it was a awful deal. so not only was the dealership awful but they gave me a awful loan as well. Santander has been the worst bank imaginable. Still they will not provide me with any proper paper work. This whole experience has been nothing short of a nightmare. They will not help me in anyway to help with my loan, lower my payment or interest rate nothing ... they harrass me my family even my landlord. They are extremely rude and uncorroptive. I have paid off less than 2000 dollars towards the oringal loan and I still owe almost 30000 dollars on he car after 4 years of even struggling to make a XXXX/mo payment. After all these years the car value is currently around 10000 dollars and had high lied about miles from the beginginig. I am charged outrageous and numerous fees monthly and am litterlaly trapped and have gotten no where. This has been the worst experince nothing has even been explained or even true at all
I became US Bank 's new customer more than three months ago, I opened checking and savings accounts because I learnt good promotion from the store manager when I opened both accounts : if I deposited XXXX dollars within 60 days and made two payments more than 25 dollars through the billpay function, I will have XXXX dollar back within 60 days and then I checked US bank website, the promotion is indeed there. However, now I have contacted US Bank branch as well as the customer services center, neither of them acknowledged I am qualified for the bonus on my checkings account because I only made one payment through the Billpay function, then I checked my payments and found I did make two payments, both of them are more than 25 dollars and within 60 days through the billpay function but one is online and another one is through my phone. Both of them are equipped with the same function under the billpay, only the one made online qualified'Is it because US Bank subsidize another company for its mobile app '?? If so, the responsibility should not be taken by its customers.
In addition, the branch manager XXXX did not inform me the online banking and mobile app are two separate payment methods.
My monthly payment jumped from {$13.00} a month on a level payment plan to {$50.00} a month this past month. My maturity date also changed from XX/XX/XXXX, to XX/XX/XXXX. I was never notified of any acceleration of my loan, nor am I in any state of default. After calling Navient, they said they would research because they do n't have any record of why it changed either. I hate having to watch my loans like a hawk monthly as this is n't the first issue I have had with XXXX/Navient.
XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX, IL XXXXThese addresses are in my personal information. I have never lived at either of these addresses.
I am having major issues with fraudulent addresses appearing on my credit report. 
The following addresses are not mine possibly a relative or friend. I live at XXXX XXXX XXXX XXXX OH, XXXX this is my current and only address. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 XXXX
Hi, I have a FHA loan originated 2016. I pay monthly PMI on this loan since my LTV at closing was above 90 %. The common knowledge was that after reaching a LTV of 78 %, the PMI will be removed.

Now, it just found out by the mortgage provider and the HUD, that the rules have changed and you have to carry a PMI for the full length of the loan of 30 years.

That doesn't make any sense, so for example you have to pay mortgage insurance in year 29 of your mortgage, when it basically is almost paid off.
Dear Madam/Sir, I am consumer and I was experienced a cheating case during the home mortgage process, the lender name is United Wholesale Mortgage, loan broker is XXXX. Before I sign in the escrow company I was told it 's a no point no fee loan, and the lender will pay the compensation to the loan originator, but the reality is I paid over {$6000.00} to the broker as his compensation. I believe it 's unfair to a consumer, because I am able to find other lenders or broker in my area that can cover my loan cost. 

If needed I can represent all loan documents. 

best reregards, A consumer
XXXX erroneous reported me as XXXX late for XX/XX/XXXX and XX/XX/XXXX. I raised my hand XX/XX/XXXX and my credit report is still wrong. My score dropped 40+ points. I am presently in the process of refinancing and when my lender received notice of the mortgage late, my interest rate increased from 4.1 % to 5.378 %. 

Also in XX/XX/XXXX, I obtained a modification with XXXX and my credit was not suppressed while I was in an approved workout which is also affecting my credit and my escrow was not spread correctly leaving me with an escrow shortage.
An old collection filed on XXXX XXXX, XXXX showed up as a new collection reported on XXXX XXXX, XXXX from CAPIO PARTNERS, XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX They have recycled the old collection to a new collection which showed up on my XXXX credit report.
The school let me accrue alot of debt charged me for a class I tested out of, Plus I tried contacting them many times about accruing a debt I can not afford due to I am currently homeless. They hangup on me alot, and if they dont then they always say there is nothing they can do for me.
Regions Bank rearranges the posting of items to checking accounts in order to collect higher overdraft fees. I had transactions from XXXX/XXXX/2015, XXXX/XXXX/2015 & XXXX/XXXX/2015 leaving a balance of a little over {$12.00} in my bank account. All those items should have moved from pending and been posted to my account, as they show they were on XXXX/XXXX/2015. A new transaction, dated XXXX/XXXX/2015 in the amount of a little over {$44.00} show as pending on my account. The bank then rearranged all the items, to pay out the XXXX item for {$44.00} and then paying several smaller items, therefore ; charging a total of {$140.00} in overdraft fees. Their explanation is that their practice is to pay out the largest items XXXX so that mortgages, rent payments, car payments do n't get turned down and then pay the small items. This makes no sense, as no matter what, I have the setting on my account that all items get paid regardless of funds, so nothing would be turned away. In addition, the smaller items were already moved from pending on the XXXX and the higher item came in on the XXXX ; therefore, they are putting this item before other items already posted to my account. Upon contacting them, they refuse to do anything. This practice is taking advantage of peoples misfortune and only benefits the bank by allowing them to rearrange items in order to allow them to charge several overdraft fees as opposed to only XXXX. My overdraft charge should be for XXXX item for {$36.00} instead, it 's {$140.00}.
On XXXX XXXX XXXX I received a reply from TransUnion regarding the dispute of inaccurate and unverifiable bankruptcy information contained in the public records section of my credit report. TransUnion says the information is verified as accurate. Yet, you can see the information is invalid & not verified. It 's as simple as seeing that they even continue to report inaccurate telephone number information ... as well as other inaccuracies & unverifiable information too. 

Additionally, TransUnion has also violated the Fair Credit Reporting Act by neglecting to show that the contested information is " currently being investigated '' or as " consumer disputes ''. Furthermore, TransUnion is not supposed to score the contested information against me during the verification process. 

Additionally, TransUnion has NEVER verified the public records information DIRECTLY with the Bankruptcy Court of XXXX County Court. If they had, they would 've  discovered that much of what they 're reporting is inaccurate and incomplete. I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the US Bankruptcy Court or XXXX County Court. 

I have also attached a letter from the US Bankruptcy Clerk  that states that credit agencies get their information from a 3rd party service such as XXXX or other agencies like  XXXX. This is not reliable, and is prone to errors. 

TransUnion has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to TransUnion. 

I am demanding that TransUnion be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information ( directly with the US Bankruptcy Court or XXXX County Court ).
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016, XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
I have sent you a written request to validate my debt having with   XXXX   XXXX   company and received a letter in the mail with an account number and the collection name but not a signed contract or any form of verification linking me to this account via contract. What is even more concerning is that after careful review of this account, the account is listed, not once but TWICE! After reaching out to the collection company, they refused to remove the accounts and informed me that they do not have to verify the debt because they are not the original creditor. Now, I am attempting to resolve this matter with the Equifax to resolve this unlawful practice that is negatively effecting my borrowing potential and credit worthiness. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. I hereby notify that you are now in violation of the FDCPA and subject to a fine of {$1000.00}. I would love to resolve this issue without getting other parties involved and restore my trust in your credit reporting agency.
My mother died and I did not know she had a mortgage on her estate. When i found out about the mortgage i immediately contacted the mortgage company to make a payment. They informed me that I was not the executive of estate due to the fact they can not talk to me. Thereafter I became the executive of estate, then they requested documents death certificate, will, utility bills my birth certificate so on an so forth. By that time The mortgage company XXXX informed me that the estate was in foreclosure. That there was not a payment in a year. I panicked for a moment. I asked what is it that I have to do to stop the foreclosure. XXXX informed me that I had to fill out a Loan modification packet. I did over a dozen of Loan Modification packets. XXXX informed me that I was denied a Loan Modification because I was not residing in the house which the utility bills had the address of the estate. By that time XXXX had sold there Company to XXXX XXXX. Then we had to start over again. At that time I had all the documents XXXX XXXX XXXX requested at that point XXXX and XXXX XXXX was at fault for over charging minority. Then XXXX XXXX XXXX sold there Loans to Greentree. At that point I had to start over again they did not have any documents from the previous Companies. How can you determine if my mother owes on a loan if you do not have any documents that I summited. Well after I summit all the documents that greentree requested. Greentree always said that XXXX document or another. I played alone with that game for about two years then Greentree informed me that they was merging with DiTect at wits end.
I have been in contact with Jefferson Capital Sys for over two weeks trying to verify the account and the dates they will only say that I owe this collection. I have ask on 3 occasions for them to mail me info on the account and the process to dispute its validity but I have recieved nothing, I also contacted a credit agency to help me get more info and they have not been able to verify the account only to say they have my name an social security number, I need help ASAP
XXXX from this place contacted me about a debt that I have no idea what he is talking about. 
XXXX contacted me today in regards to a debt for XXXX. He said that I have to pay the amount today. He asked me to verify information in which I replied I would not until he told me who he was. I told him if I owed a debt I wanted a written document stating the required information. He stated he could not control the mail system and proceeded to EMAIL this to me. I stated that I wanted a written letter. He would not state the debt verbatium that is supposed to be stated at the beginning of the call. He waited until the end of the call, so glad I did not verify information because of this. He told me I had 48 hours to file a police report. I told him no, once I received written documentation in the mail, I would look into the matter, he stated that he sent letters and nothing had been returned, so I must have received the letter. I informed him that if I received a letter, I would not be asking for one at this time. He then asked how much I could pay today, and again I told him nothing. He asked when my next payday is, which is none of his business. I have included a copy of an email that was sent. He told me to contact him at XXXX, but that number is not listed on this email. I do not know who these people are or what scam they are trying to run, but it needs to stop. 
ZFN & Associates has made the decision to offer you an opportunity to make acceptable payment arrangements on your account. 

In order for you to make voluntary restitution, your payment ( s ) in the amount of {$1400.00} is due today, XXXX/XXXX/2016, after receiving this letter. 

If you fail to comply with the above terms this office will, without further notice, declare the entire balance due and proceed accordingly. 

You can call us at XXXX between the hours of XXXX and XXXX, EST, Monday and XXXX to XXXX, XXXX, Tuesday through Friday. After hours and weekends we have voice mail to receive any messages. Please refer to the ID number indicated above. 

This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 

ZFN & Associates
In XXXX 2014 I was in XXXX and was notified that I was to be XXXX. Knowing this I knew that I would no longer be able to pay for the car loan I had. I then called SNAAC to have the car voluntarily repossessed. They got the car a week later and that 's when I started to receive calls to restart my allotment to pay for the car. They told me that if I did not pay my debt that they would then call my commander due to being in violation of UCMJ for not paying my debts. I did not know what they did was illegal until I came across your article.
Under the new law effective XXXX XXXX,2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureaus ( Equifax, XXXX, XXXX ) have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.
In XXXX XXXX, Discover closed my credit card. 
I have used this card for XXXX year and I pay the statements on time for XXXX XXXX. 
This is XXXX bonus of this card. After the use of XXXX year, they will give the consumers double cash back. 
I should have my double cash back on XXXX XXXX. 
Before that, they close my account. 
I lose several XXXX dollars. 
The discover is not honest.
I have been trying to clean up my credit with Experian and they are not cooperating with me. The other two credit agencies have been great my score with them is over 600 but for Experian they are not clean the negative things off my report. My report should not be XXXX. Even the company that I hired tried to get them to take off the old stuff and they are not doing it.
I have recordings of XXXX different poeple giving me XXXX different reasons for a XXXX. ** amount. First was a remander amount of XXXX. When I called in XXXX tobpay amount in full. My charge was for XXXX including fees and interest on the full XXXX amount. My questions I wanted answered on this has yet to even be addressed and is where my dispute is. The other reason for this XXXX amount was said to be a bounced check ( which I am neither confirming nor denying because it was not my check. ) Also the third reason for this amount was a separate XXXX dollar bill in itself. I have these recorded and XXXX separate companies of which my medical debt was through who were told XXXX of these reasons on the wxact same day. I have requested reciepts in regards to what my payments have went to in detail so I can either agree with them or shiw a mistake was made. I am told i will be sent one and never received one. However, I am refused help. When asked not to be transferred and to speak with a manager I am denied. When asked to leave voicemail I was told mabager does not have one. When asked to handwrite a message for manager they refused to. All of this is recorded and I can prove it so there is merit. I was told yesterday that the manager was out then received call from XXXX who was helping me and said she just talked with her. My issue is the lack of answering questions, a lack of giving me rightful procedures to follow to complain on one in offuce person in paticular who transfered me twice when I ask to please not to. How can I deny nor agree to this debt when they refuse to address any of it? My first concerns popped up when new amounts arose. Im not saying they havent been there the whole time. Im saying they were not in the amount when I myself first tracked vcs down XXXX to start paying my debt off. I asked to pay XXXX lowest amounts first. That XXXX was not mentioned. Later it shows up.i call just asking for more details and that is when I was transferred out of office, not guven proof of payments to certain accounts, and the run around in regards to any manafer of any kind. They made a issue when they have failed to give me proof of all this new stuff. So yes I wanted more details befire paying off. I am not satisfied with there answer. Especially with the no merit comment when I do have recorded, written, and person wittness ( from who they deal with personally not me. ) Regards, XXXX XXXX
Ford Motor Credit has denied financing that I qualify for. Over 10 years ago I filed a bankruptcy and was under order of the court to surrender a car. They sold the car to recover some of the loss. They continue to " hold it against me '' even though I clearly qualify. I was told that because of that I will never be able to get financing through them.