WillisBack/dataset-financial-user-claim huggingface dataset:
There are several questionable problems with my reports as in medical, credit card information and the fact that I had to purchase my free credit report.
In 2011 I sold my condominium unit in a short sale. Bank of America who was the primary mortgage provider did not send me a XXXX form to verify that the loan was paid-off. Since then my credit report is showing the loan amount as I still owe it to the bank. I am calling Bank of America for the last two weeks and have not seen progress in getting that form. Each person I am talking with transfers me to different offices and no one provides me direct answer on why this form was not initially sent and when they will provide it. This is time sensitive case as my current employment is pending on that form.
have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with Transunion. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.
On XX/XX/2018 I received an updated credit report from XXXX and Equifax and noticed XXXX XXXX is reporting the incorrect balance and is misstating the balance due. 

What is being reported is {$64.00} when it should be {$9.00}, this {$64.00} balance was updated on XX/XX/2018. 

The balance was changed to {$64.00} weeks later after the {$9.00} balance was reported, this has caused my credit score to drop several points and my utilization to increase to 6 %. 

I spoke with a XXXX XXXX representative on XX/XX/2018 around XXXX and was told that it is the Credit bureaus who is reporting inaccurate information and was instructed to contact all 4 bureaus to dispute that information.
My Mortgage was sold. I have little personal credit outstanding. The new mortgage company, XXXX XXXX  is not reporting they have my Mortgage. It still reports as New York XXXX Bank and Paid. 

My Credit score has dropped XXXX points ( No outstanding Credit. ) I even have a letter from XXXX XXXX stating they have corrected this XX/XX/XXXX. They purchased it XX/XX/XXXX. According to All the Credit Bureaus it has not happened. They are still reporting my Mortgage paid off and with NY XXXX XXXX. 

I have contacted XXXX XXXX over 11 times since XX/XX/XXXX. I even have a direct line to Customer Service Escalations and he is no longer answering. I have contacted the VP of customer Service - NO RESPONSE Equifax even had my residence as one I had not lived at for 4 years.
When I contacted XXXX regarding consolidation of my loan with my spouse 's loan almost 20 years ago, I was not told that I this constituted " refinance '' and I would never be able to refinance again. I consolidated my loan and locked my interest rate in approximately 5 % higher than current/recent rates. Later, when I was out of work, I contacted XXXX for assistance and was only presented with the option of forebearance. I was not adequately explained how the compounding interest would affect my balance. After many, many years of repayment, my spouse lost his job and I learned about income based repayment through my own research. I applied and was accepted, but the recertification process was not explained to me. At the end of the year, I had to pay the full payment plus a late penalty for several months because I had continued to pay the amount based on the income based plan only. Finally, my spouse found new employment and during the recertification for our income plan, we were given a very large monthly payment amount. I had to ask multiple times to finally be advised that my payment would actually be less if we went off the income based plan and just paid the regular amount. I had to make numerous verbal and written requests to go OFF the income based plan. I have been in the process of repaying my student loans for over 20 years. I now owe approximately 3 times what I originally financed, and by the time I finish repaying, I will have paid approximately 5 times what I originally financed.
I have paid this account in full which also included applicable interest before XXXX XXXX, 2015. I have asked XXXX data regularly about giving thecredit agencies an updated status. They keep saying they are doingit but nothing has been done and it is XXXX now. Please remove thisfrom my credit report. 
XXXX Account # : XXXXThank You. 
XXXX
XXXX/XXXX/XXXX First met with borrowers XXXX and XXXX XXXX who applied for a Loan Modification. All information was sent, however lender kept asking for additional information. XXXX had only been at his job for a couple of weeks and Capital One kept declining the file because there wasnt enough paystubs. We explained this over and over, and we even sent in a letter of employment which was also not enough to lender. They decided to close out the file as of XX/XX/XXXX when I called because of missing documentation they said. The home would be foreclosed on XX/XX/XXXX, and they would not give any options. As of XX/XX/XXXX all the information requested at the time was submitted and I had proof. I asked the file be escalated, eventually the file was reopened. They came back saying on XX/XX/XXXX they needed a new XXXX form which we sent again on XX/XX/XXXX. XX/XX/XXXX they had everything they needed I was told. I was told then the sale would happen on XXXX XXXX, XXXX and that they would not review the file. The file had been escalated to XXXX once again they had closed out the file as of XX/XX/XXXX. They reviewed that they had the documents they needed and reopened the file. Underwritter asked for more documents on XX/XX/XXXX as some of the information became outdated. All the documents requested had been sent. XXXX/XXXX/XXXX Capital One stated they had all the documents and that nothing else was needed at the time. An answer would be provided 5-7 business days. I called back and was told they needed the XXXX, I explained that it has been sent multiple times. They asked the borrower to get the IRS transcripts her self for XX/XX/XXXX and XX/XX/XXXX and submit them. This form has been sent in a number of times, and they keep asking for borrower to resend it. Initially the form was incorrect because a XXXX borrower is also on the loan, but the client had put the information just how they file their taxes. Capital One told them how to fill out the form and whos information to put on it. The form was aparently denied. I was told IRS rejected the form, and then approved, and back to denied. Capital One continues to not process information on a timely manner and eventually the borrower has to pay the price. No Single point of contact has been assigned to this file which is against the regulations. The file had to be escalated twice and it is still not being handled in a correct manner we feel.
I paid XXXX and case has been closed however, negative mark still remains on my credit report. I asked XXXX if they would delete mark after payment however said the could n't and it would be up to the credit bureau if they wanted to delete. I disputed this with Equifax however, they did not delete.
I was not given a written notice from Coast to coast financial regarding an alleged debt that occurred in XX/XX/2013.
XXXX Defrauded Mr XXXX for over XXXX dollars On XX/XX/2018 Mr XXXX was deemed as a Vulnerable  Adult By the sate of Florida this means you willingly took advantage of him As defined in the psychology, sociology, social work and legal fields, a vulnerable  adult or an adult at risk is a person over the age of 18 person who is at risk of harm or who lacks the absolute most basic ( as distinct from mid-level or typical level ) human life skills. A vulnerable adult is unable, rather than unwilling, to properly learn or properly maintain these skills, and is usually completely without, and unable to obtain, any family, friends, acquaintances or other assistive persons in their lives to offer education or assistance in these areas ( see : abandonment ). To be classed as vulnerable, the adult 's circumstances must be unable to be altered or improved by the adult 's own individual actions without direct assistance from a more typical adult. The vulnerable adult must also be shown to be, on some significant level, a risk to him or her self if assistance is not provided.
My XXXX account went delinquent back in XX/XX/XXXX-XX/XX/XXXX, I settled with a mediation company back in XX/XX/XXXX. Today I received a call from XXXX XXXX XXXX, of which they did not disclose where they were calling from in the aggressive voicemail of which stated my name and the name of the caller then followed by contacting you from the process division, I received an order from you, it looks like two pending charges were filed against you, now unfortunately because I'm unable to reach you by phone I will be actively pursuing you at either in your residential place up on that XXXX XXXX you have the right to contact the client to resolve your case voluntarily. Contacted XXXX directly they had no idea who this company was. They could not prove the original account number, when I asked for the information to contact their supposed client they told me to XXXX XXXX telephone number. They want me to email proof of the paid balance of which I have, but I do not feel comfortable emailing any of my information to them if they cant even prove to me who their client is.
My father sent me {$75.00} for a small bill. He urged me to get a XXXX card.I opened the account and he transferred funds.XX/XX/XXXX it posted as pending and had been so ever since. We have called several times and the two entities are not working in complete unity. They pass responsibility from one to the other. I need the funds and can not gain access.
I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
All of this started XX/XX/XXXX when I decided to check my credit scores via XXXX XXXX. I discovered that my XXXX score had dropped 30 points!! I panicked and immediately called XXXX and had my account frozen, thinking I could have been a victim of some kind of fraud. Because of this, I ended up freezing all of my accounts with the credit bureaus. I was able to figure out that JCPenney had decided to close my store card, without any communication, four years after opening the account. I never had a store card before and I did n't even know this was something that could have happened. Since then I 've called both parties multiple times, launched countless investigations, and even wrote letters to JCPenney directly. Still to this day my XXXX credit report states that my account was opened XX/XX/XXXX and closed XX/XX/XXXX. In reality my account was again, closed without any communication, XX/XX/XXXX! JC Penney has launched investigations and claim that there 's nothing more  that they can do. That XXXX is just reporting the information inaccurately. And XXXX claims that they just report the information that they are given. XXXX is now reporting the correct information and I 've even told XXXX this. Still have gotten nowhere two years later. I never would have imagined they would have been so difficult to get somebody to do the right thing. Not only as what is being reported a lie!!! But the time being reported does n't even make sense as far as " closed due to inactivity '' or any other reason for that matter. I have no faith in the credit bureaus and I will never shop at JCPenney ever again. Please help.
I attempted to receive my free Experian annual credit report through XXXX but it stated : " We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX Request form. 
Annual Credit Report XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX '' Because the message is so vague ( " a condition exists '' ), I have no idea if it 's a technical problem on their end that may be resolved over time ( so try again later ) or whether the issue is with my account and I will need to do something to correct it before I will ever be able to get my free report electronically. I think this should be more clear.
The store solicited me to open an new HD credit card account. Never received the bill or credit card, and went to the store with purchase receipt and application package demanding for payment. After store associate called the bank, {$25.00} was confirmed as minimum payment without financial charge, and paid {$25.00} in the store on XXXX XXXX, 2016. However, received the statement XXXX XXXX that stated posted charge of {$30.00} late payment, {$13.00} for the finance charges. I paid off the rest of balance on my account on XXXX XXXX. Complain : No bill for the payment, charge is not transparent, the benefit interpretations was misleading, solicitation for the opening HD credit card with fake benefit.
I have an interest only loan held by XXXX, after many servicers the loan ended up with Ocwen servicing. For years there was no escrow set up so I paid the real estate taxes directly. Its a condo so there was no insurance escrow. In XXXX 2014, I made a partial payment of the taxes. Ocwen, then paid the remainder and then notified me that my payment now must include XXXX months of an escrow payment. The escrow payment they demanded each month would total {$10000.00} per year. However, the taxes were only {$600000.00} per year. Thereafter, I continued to make the tax payments. However, the bank continued to allege that I owed these prior escrow payments. I wrote numerous letters to try and resolve the matter. However, they continued to return my payments, and now put the loan in default and are filling foreclosure. Their reinstatement figure includes escrows which are not due. They call numerous times and each time the new caller has no information regarding the last explanation. My credit has not been irreparably harmed.
My soon to be ex-husband about XXXX or XX/XX/XXXX not exactly sure exactly. It was right before his incarceration XXXX for defrauding the government of federal funds. He confessed that he was afraid of getting in more trouble for he had been withdrawing his deceased mothers Social Security benefits direct deposits into her Bank Of America account, and withdraw the money from our joint bank account or transfered the money to cover the stolen social Security benifits also Bank of America. Date of XXXX : XXXX to XXXX XXXX. Bank location XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. About XXXX through her ATM card. In the equalization of marital assets he has failed to comply with court on mandatory disclosure ive exhausted all ky marital assets in persuit of my half to pay back social security. I would so grateful to Consumer Finance in investigating this matter. I tried several times to get proof and to no avail. I first called Office of Attorney General, Federal Trade Commission got police reports from both XXXX and XXXX police and absolutely nothing. I just called XXXX last week again and was able to extract some useful information and was given your website and also your phone number. I really feel confident now that I am at least getting closer to a resolution. Thank you for your time. 
would need a subpoena to open and get statements to substantiate my claim.
This company bond to collect in Texas was canceled in   XXXX  , which makes it illegal for them to collect debt.   This company is not bonded in Texas.
Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX placed a collections account on my credit report for all three credit bureaus in the amount of {$330.00} account ending in XXXX. I immediately contacted XXXX XXXX XXXX to obtain additional information on this debt because I was not notified by them prior to it being added to my credit reports. They informed me that it was a debt they collected from capital one bank and that I needed to pay it. I informed the representative that I was going to dispute the debt because I have no knowledge of a capital one account from XX/XX/XXXX and it was incorrect. I also asked why I wasn't notified by them prior to action being taken by their company, so I could address it prior to it hurting my score. I am currently in the process of finalizing my mortgage loan and this inaccurate account detrimentally affected my ability to obtain credit. She stated that they were not obligated to notify me of the debt because the original creditor already did in the past. XXXX XXXX XXXX has not provided me with any written notice of my debt or written notice of my ability to dispute the debt since my phone call which is in violation of several debt reporting laws. According to the law they have 5 days to provide me with a written notice stating this information. I want this account removed immediately due to their illegal debt collection practices.
Capital One Auto Finance repossessed and subsequently sold my car while it was under my husband 's Chapter XXXX Bankruptcy. When I inquired to Capital One about regaining possession and rectifying the account I was told to call back when the bankruptcy was over. I called back. They had already sold car. My credit report showed a repossession and recovery amount owed. I was not given a chance by Capital One to regain possession of the car or take over payments.
A collection or line of credit which is not mine and was not known to be and is fraud appeared recently on my report- the name is COMMONWEALTH FIANANCE located at XXXX XXXX XXXX, XXXX , PA XXXX per credit report and was opened XX/XX/2019 ( fraud ). There is no way to contact them and multiple complaints are online about the fraudulent company.the referenced account number is XXXX, related to a balance not owed but listed as {$580.00}.
In XXXX XXXX and without warning, Navient has started charging me {$440.00} in addition to the {$130.00} that I have been paying while a student. After ringing the company, I have been told that the maximum in-school deferment has been reached for XXXX XXXX XXXX XXXX XXXX XXXX, which is why the sudden increase of my payments was made, though completely without warning and without my authorisation. I have been making regular payments of {$130.00} for many years and never been in default, so when a sudden and unexplained increased to my monthly automatic debit occurred, I reported the transaction fraudulent to my XXXX XXXX. Navient refunded the money, and we began working on my situation, which required me to submit several {$50.00} payments for additional months of deferment while processing my case. During the months that followed, I worked with Navient employee, XXXX XXXX, who sent me a financial worksheet to complete to identify options for lowering my payments while completing my research degree. I am a full-time student at the XXXX XXXX XXXX XXXX XXXX who receives a studentship for fees and accommodation, and supplements my limited income through 10hrs a week employment with XXXX XXXX XXXX ( a US owned company based globally ). Because I am a student in the XXXX, I am limited to 20hrs a week employment while studying. I can not manage my school load when working anything more than the 10hrs I received from XXXX. The feedback that I received from Navient was that there were no options available because my monthly income was too low and they requested that I borrow money from friends and family to make the monthly payments they are demanding. They would not consider my in school situation or make allowances for the strain full-time study places on me financially. I am at the end of the planned deferment allowance and in danger of this loan going into default. All my other student loans are in good standing and in-school deferred until I complete my course in XXXX XXXX. 

On XXXX XXXX, I was made aware that instead of keeping my student loans in IBR in XXXX, as I had intended to do to help alleviate the pressure of extending the student loan period included in the IBR, was set to in-school deferment in XXXX. At present, all my student loans that can be placed in in-school suspension are. I fear that this has cost me years of my loans placed in IBR, which I understand to have put me into a less fortunate situation. Please note this is an additional complaint to the XXXX XXXX XXXX
I received a phone call at XXXX on Monday, XX/XX/XXXX from a debt collector ( Capital Accounts ) regarding a delinquent bill from my XXXX going back to XX/XX/XXXX. The original bill from the XXXX was {$400.00}. The debt collector told me that if I did not pay the bill immediately, he would charge me 16 % interest on the debt going back to XX/XX/XXXX. I was also told that if I did not pay the bill immediately, my credit score would be harmed. All of this seemed like a threat to pressure me into paying and I wanted to know if they could do what they claimed. I had received a bill from this debt collection agency on XX/XX/XXXX. I asked the man on the phone to hold while I look for the bill he had already sent me. At that point, he became irritated and told me he did not have the time to wait. I found the bill and began to question it. I determined that I would not get a clear response from the representative and terminated the phone call. I then called the number on the bill at XXXX and reached his supervisor. I asked the supervisor about the 16 % interest. He told me that I was already being charged the interest and that what his representative told me about the back charges of 16 % interest was incorrect. When I pressed him about the misleading nature of his representative 's claims, he responded to the effect that some " re-training '' might be necessary. I protested that it was unfair for them to mislead me. I can not recollect the precise exchange that followed, but I told the supervisor that I would look into this matter to see if they were allowed to mislead me. He asked for my email address, which I refused to give him. He asked that I confirm my address, which he did. I thanked him and terminated the call. Unfortunately, I do not have a record of the phone conversation, but the supervisor told me that they record all calls.
I had a tax lien recorded on XXXX XXXX, XXXX. The lien was subsequently withdrawn by the filing agency on XXXX XXXX, XXXX due to the lien being satisfied ( paid ). The item of record itself is over seven years old and it has, in fact been withdrawn. My understanding, and please correct me if I am wrong, is that this should not appear on my credit report because the withdrawal of the lien has the effect that it never existed. These item is being reported by both XXXX and Transunion. I believe it is on my XXXX report as well. 

Please help me get this removed if I am entitled to have it removed. Thank You.
The mortgage company began to raise the monthly payment after I was approved for exmption that should lower the monthly payment and taxes on home, but they told me that they paid more than XXXX for the city and the taxes was only XXXX, I called the city and I was informed that there was a refound sent to the mortgage company and they also sent me a refound. The mortage kept saying that there is a shortrage in the account and I told them there should n't because they got refound from the city. They insisted and kept adding more things to the monthly payment. They also tell me that I have two payments due in my account but I have a proof for paying every month. I need help to stop this company from adding this additional payments and charge me for something that is not there.