WillisBack/dataset-financial-user-claim huggingface dataset:
I sent three letters to XXXX, Equifax, and XXXX ( one in XXXX and over 30 days later in XXXX ) asking that they investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 )  ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded XXXX, Equifax , and XXXX to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... XXXX, Equifax, and XXXX acts like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ... They continue to break the law..
a car was surrendered XX/XX/XXXX and sold in XX/XX/XXXX so the debt was settled when they accepted the money for the car. I feel iI should n't have this on my report. it should have been gone when the car was sold in XX/XX/XXXX.
I currently pay {$750.00} on XXXX loans via auto pay through Navient XXXX formally XXXX XXXX XXXX I 've tried paying extra payments to lower my principal balance but all that happens is gets applied to the following months payment. I 've asked how can my extra payments be applied to principal balance and they say it 's not possible. This is criminal, I will never be ableye to get out of debt or get ahead. And to make things worse they do n't offer refinancing on my 8 %, 13 % & 14 % interest loans.
On XX/XX/18 I requested a temp lift of my credit freeze from TransUnion. I was told to wait 15 minutes, which I did, and then called XXXX XXXX. They told me the freeze was still in effect despite the email I had from TransUnion telling me it had been lifted. 

I waited about an hour and called XXXX XXXX again. They told me the freeze had not been lifted. I called TransUnion again, giving my name, social, and DOB to someone in XXXX who told me that the freeze had not been lifted but they were doing so. 

I waited an hour and called XXXX XXXX again who told me the freeze was still in effect. I called TransUnion again, giving my name, social and DOB again to someone in XXXX who told me the freeze had been lifted, that " this happens sometimes, '' and suggested I lift it permenantly. I declined. 

I waited another hour and called XXXX XXXX again who told me the freeze was still in effect. Once again with TransUnion and this time I was scolded for requesting the freeze be lifted so many times in one day. I was advised to lift it permantely to which I declined.

This morning I checked their website and the freeze was back on. I lifted it for 2 days, waited 1 hour and called XXXX XXXX. They told me my file was still frozen.
Today I got letter from Equifax about a dispute account : XXXX XXXX XXXX XXXX for XXXX that account show on my report they sent me today ( XX/XX/2018. The letter said we have reviewed your concerns and our conclusions are : The disputed account XXXX XXXX XXXX XXXX XXXX is currently not reporting on the Equifax credit file. 

How is that????
XXXX filed a judgment on me that was not properly served to me. I own this company nothing. They are saying I owe them {$990.00}, which I do not. The judgment was not properly served by a HUMAN, I received this in the mail, never receiving any statement from the court system saying when my hearing was scheduled for, so I was not able to properly represent myself. This debt is absolute bull. I owe this company not one penny! They have harassed me, refusing to provide me with proof that I signed a document indicating I owed money to XXXX. This is absolute robbery and I am requesting something to done to these criminals for taking money from hardworking people to benefit their corrupt business.
I had a Macy 's ( Department Store ) credit card for several years. I had setup autopay on the due date and it seemed to work perfectly well. My last purchase was around XX/XX/XXXX. For some reason, possibly due to technical issues in the website or possible them changing the service provider, I got billed late charges of {$39.00} every month from XX/XX/XXXX to XX/XX/XXXX. I spoke to their customer service in XX/XX/XXXX and they said they will provide me credit of the late charges from XX/XX/XXXX. However, I received only 5 month of credit of late charges. I require a total of the XXXX or XXXX months of credit of late charges
XXXX XXXX has reported a 30 day late payment for XXXX of XXXX on my credit report. The account is always due on the 3rd of the month and I 've paid it every time since opening the card in XXXX. As usual I entered a payment online before the XXXX XXXX due date using capital one 's website. I believe the system had an error and did not process my payment. I was unaware until I saw the late payment on my credit report. It was a small payment and I always pay at least the amount due. The limit on this card is {$500.00}. My name is XXXX XXXX.
Attempting, for the second time, to resolve USAA credit card disputes. ( See attached for complete list of disputed charges )
TransUnion is stating that they verified a bankruptcy with the court. I have supplied Transunion with a letter from the Court stating they do not verify anything by phone fax or email. When challenged again, Transunion stated they used a 3rd party -letters from the Court have been supplied stating they do not verify TransUnion is reporting false information and under FCRA they must remove it
I went through a terrible divorce, I was in an unfaithful abusive marriage and finally got the courage to leave. After starting out on my own I kept trying to get back on my feet, I was unsuccessful for a year and a half. I ended up homeless, jobless, and in turn car-less. I contacted the places I had credit through and tried to explain the situation, I had a medical bill due to the abuse, had maxed out my credit card trying to stay in horrid motels, etc. I have credit card debt, student loan debt, and a payday loan that I took out as a last resort. Most companies seemed to understand and assured me that they would n't put anything on my credit due to the 'natural disaster ' as it was put. I recently checked my credit report and it had since dropped XXXX points since this all began, in addition I now have XXXX XXXX XXXX ( cell phones ) and XXXX XXXX XXXX ( XXXX ) that I had with my ex-spouse, I guess he decided in this time, since it was in my name he 'd just rack up the charges and not pay them. Any time I contact any of these companies they are unwilling to help. My credit is completely ruined. I am barely getting by as it is now, but ca n't even obtain a small car loan because of all of this, luckily I found a house to rent from a private owner that went through an extremely volatile divorce as well. I was told to look into consolidation, but that would cost over {$400.00} a month for 4 years and would n't get rid of all of it, as far as my student loans go, I was told I 'm XXXX if they are behind in payments. I have to pay them up to date in order for them to help me.Three companies said they would help by not sending my accounts to collections but instead closed them and put it as 'charge off ' which I here is just as bad and will remain on my credit for the standard 7 years. It feels like this is a never ending cycle now. I can see why people stay in abusive relationships now because I left a negative for negative, I do n't see how XXXX is better than the other now.
I've emailed this company on numerous occasions advising them to stop contacting me, as the loan service that was provided to me I later found out was illegal under laws of the State of Florida and the Florida Office of Financial Regulation. 

This company has continued to attempt to email me and call me, and has recently started harassing friends and family attempting to collect. They need to stop harassing me or my family before I'm forced to take further action.
I have been making payments to Carrington Mortgage Services for 2 years. My home has recently been foreclosed and sold, without my knowledge, and without my being allowed to rectify whatever problems thay are claiming there are with my payments. I received a form recently in the mail saying that my loan was in foreclosure, and when I called the company, I was informed that the house had already been sold to to their sister company! I also just received a check from them refunding my last few months of mortgage payments. THIS CA N'T BE LEGAL! I NEED HELP! I have called lawyers, bankers, judges, and everyone that I can think of in hopes that someone can help, but no one seems to be sure what recourse I have against these people other than trying to buy my mortgage back? Again, please help. I am a single mother of XXXX who works nights as a XXXX and this house is the only equity that I have. If it is stolen from me, I will have nothing to show for a decade of mortgage payments on a house that I personally designed and built. This company appears to have the legal authority to do what they have done, but I have not been informed why or how they have foreclosed.
On XXXX XXXX, 2016 I was notified via a credit monitoring website that a new collection account was listed on my credit report XXXX XXXX XXXX XXXX " XXXX '' ). On XXXX XXXX, 2016 I paid the balance in full with the understanding that it would be completely removed ( not just marked as " paid-in-full '' ) from all of my credit reports. On XXXX XXXX, 2016 XXXX received notice that all notifications regarding the deletion of the accounts were received by all of the credit reporting agencies. At this point XXXX had never reported the collection account. The account was removed from XXXX ( which was the only agency reporting such account ) on XXXX XXXX, 2016. On XXXX XXXX, 2016, after having received a notice to remove the account from XXXX and having ample time to do so, Transunion added the collection account to my credit report. The account with XXXX has never been reported with Transunion, so even after notice to remove the account from the credit report, no action should have been taken by Transunion. Instead of following XXXX 's instructions, Transunion has done the opposite, by adding the should-be deleted account, which has dropped my credit score by XXXX points. I am in the middle of being approved for a loan which I fear will be denied due to the erroneous actions by Transunion. I spoke with " XXXX '' at Transunion who informed me the only thing they can do is dispute the account which could take 30 days to receive an answer. I informed him that I 'm not disputing the account, but I 'm disputing Transunion 's actions, as they are the ones who made the mistake and have already received notice from XXXX two and a half weeks before even adding the account to my credit report. Please contact Transunion as soon as possible to tell them to delete the account to prevent my loan denial due to the fault of Transunion.
On XXXX/XXXX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX address XXXX XXXX XXXX XXXX XXXX TN XXXX. It was financed through Santander Consumer USA, I dont have a central address for them. My APR is 22.95 % I was XXXX just for financing. The principal balance is XXXX. After all 72 payments are made I will have paid XXXX. If you add the XXXX value of my trade in that brings the total to XXXX! Thats almost double! And well over 3 times what that truck is actually worth. Please help me. I have talked with both Santander and the car dealer both told me that. I could try to get a loan some where else. Or trade and get a compact car for even more a month.
I received some phone calls and the attached letters from the company and I do n't ever remember ever having this credit card. In 2010 I went to my Credit Union, XXXX XXXX XXXX XXXX and enrolled in their credit education program. It took me about 3-4 years to get all my reports cleaned up and paid so that I could retire and buy a home. About a month ago I received the first letter then phone calls that left voice mails. I sent a Cease and Desist letter and have heard nothing since but now they have put it on my credit report. It also is way over the statute of limitations in the state where this agency is and the state where I live anyway
The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX County told me that they do not verify that information.
XXXX credit card accounts I had with Chase are still being reported in error as charged off with a balance owed when in fact they have been canceled and I have already included the cancelled debt as income on my federal taxes and paid any taxes due on that income. 
I received XXXX XXXX forms along with form letter XX/XX/XXXX. The both XXXX has event code XXXX. According to the IRS, code XXXX is used to identify cancellation of debt as a result of a decision or policy of the creditor to discontinue collection activity and cancel the debt. The form letter states " We recently cancelled an unpaid debt on your account ''. 
To this date I have been unable to get Chase to update the information on the credit reports for XXXX, XXXX and XXXX. As a result of their inability to properly update my credit reports I have been denied a car loans.
On XX/XX/2018, I contacted Experian via Certified mail, please see attached receipt, in order to correct 2 incorrect addresses being reported on my credit profile. Today, XX/XX/XXXX, I contacted Experian via telephone because i was declined by a creditor due to address discrepancy. I thought it be more expedient to speak with a live person to assist me regarding this matter. Well I was wrong! I spoke to a representative who told me they COULD NOT remove the INCORRECT address they're associating with my name because a creditor of mine was reporting it. Unfortunately for Experian I know this to be a blatant fallacy because I contacted ALL of my creditors PRIOR to contacting Experian and NONE of them have any such addresses in my profile. Experian attempted a " boiler plate '' response to circumvent the legal responsibility before them.
Had a business credit card and business assets with wellsfargo. Small business. The company folded at which time we found an employee had run up debt on the credit card. Was called several times by wells and we explained we were pursuing compensation for the debt and selling assets, but we had to resolve before we pursued. Was advised to hold off paying. Lawyer filed paper work with Wells branch explaining the situation. Wells debt collector called and said they had to be paid. I said I needed to speak to my attorney and would get back to her on how we thought we would resolve. After that phone call the agent withdrew the money from XXXX of the partners wife 's account. He has a separate account at a separate bank. When I called the debt collector she said she was angry because I hung up on her and she could do what she wanted. 

I asked for name or agent number she refused to give. Asked to speak to her manager and he also refused to give a name or agent number. Advised we would be removing all accounts said they did not care. 

Called the branch and they had the paper work filed by lawyer but apparently had done nothing with it.
fraud against chase bank jp morgan XXXX for the FEDERAL DEPOOSIT INSURANCE CORPORATION { FDIC } BY JP MORGAN XXXX XXXX XXXX HOUSE XXXX COUNTRY RECORDS .... JUDGMENT PURSUANT TO RULE XXXX ( e ) for abuse of discretion { atthur v. king XXXX F XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX appeals federal rule of civil procedure XXXX ( e ) Rule XXXX ( e ) real property federal district court pursuant to XXXX XXXX XXXX XXXX NAMING JP MORGAN XXXX FOR THE XXXX XXXX XXXX XXXX DOCKET XXXX XXXX -cv XXXX XXXX XXXX XXXX ACTIONING REAL PROBERTY XXXX XXXX
I mailed out a debt validation letter to Online Information Services on XX/XX/2018 requesting that they send me a signed contract proving that the account they have listed on all the credit bureaus was in fact my account. They sent me a copy of a bill directly from XXXX XXXX. A bill is considered a verification I did not ask for verification I asked for validation as per the FDCPA, I have the right to request this, which would be a signed contract showing my signature to in fact prove that the account is mine. I have no knowledge of this account and a copy of a bill is not proving that the account is mine. Without validation I am not liable for this account and I am not obligated to pay off this debt since it does not belong to me and there is no signed proof that it does. Below I have attached a copy of the debt validation letter that I sent to them. I have also attached copies of the certified mail receipt and tracking information. I have also included 2 pages of their response that was not validation.
Car was my moms not mine and still showing on my credit history. Called Nissan multiple times and  keep getting the run around. They called and harassed me many times and I had to change my number.
Borrowed {$6000.00} personal loan for major purchase. Company deducted XXXX in two weeks. For the purpose of paying loan off early to avoid 35+ interest, I made a payment of {$1000.00} towards my balance on Friday and received confirmation that the payment would be deducted from my account on the following Monday ( XXXX ) Saturday I attempted to pay an additional {$500.00} only to discover that the {$1000.00} was not listed but an amount of {$440.00}. I added the {$500.00} in addition {$550.00} to bring amount to {$1500.00}. I checked the account again on Sunday XXXX, XXXX and the amount was changed and I adjusted it again to say {$1500.00} is scheduled for payment on XXXX. To my horror on Monday, the company deducted 3 separate payments out of my account paying themselves {$130.00} in interests when my payment is due XXXX XXXX, XXXX via which I planned to pay as scheduled. The company deducted a total of 2 monthly payments of {$220.00} and then added the remainder of the funds {$1000.00} to my principle amount. To add further insult, they have me scheduled for the next payment next month on XXXX XXXX, XXXX. I spoke with representative who states that the system " generates '' payment activity. The agent actually tried to justify this scenario.and stated that this would occur when I submitted the next monetary large amount that it would be reflect the XXXX payment in the same way!
I HAVE BEEN TRYING TO REMOVE A N ACCOUNT -XXXX/CITI WITH A BALANCE OF {$18000.00} FROM MY XXXX CREDIT REPORT. XXXX  AND MY SELF HAVE TRIED TO GET DOCUMENTS WITH MY SIGNATURE ON FILE NUMEROUS TIMES AND THE BANK REFUSES TO RESPOND AND GIVE US DOCUMENTS TO PROVE THIS. I HAVE BEEN TRYING TO RESOLVE THIS FOR THE LAST 5 YEARS AND THE BANK REFUSES TO COOPERATE.
I have a $ XXXX revolving account with XXXX XXXX. XXXX  is not reporting the account even after repeated attempts to request they do. I know for a fact that the company reports to XXXX but they are not reporting it.
I opened an checking account in XX/XX/XXXX with Wells Fargo there was a bonus for new customers of {$100.00} after you met a few requirements which were met within days of opening the account ( have so many deposits of XXXX amount and make XXXX amount of debits with your card ). I was supposed to receive the {$100.00} after 40 days of meeting the requirements. It is XX/XX/XXXX today and I still haven't received anything. I called in XX/XX/XXXX they told me it would be between XX/XX/XXXX and XX/XX/XXXX I called them again on the XX/XX/XXXX they said if I didn't receive it by the XX/XX/XXXX to call back. I called back on XX/XX/XXXX and they never returned my call.
I have a consolidation loan in normal repayment with loan servicer Great Lakes XXXX XXXX XXXX XXXX XXXX. I 've paid ahead on the level repayment plan, more than twice the minimum payment due each month, since loan inception. 
I have an automatic payment setup with direct draft from my checking account and this method has been in place as long this account has been in repayment. As a result I 've been entitled to an interest rate reduction of .025 % APR. 
In XX/XX/XXXX 2017 I had to change the payment date on this automatic draft and I was directed to suspend the automatic payment as the only way to achieve this outcome. I made the minimum payment due for XX/XX/XXXX and changed the withdraw date ( changed from the XX/XX/XXXX of each calendar month to the XX/XX/XXXX ) one week later than it had been, previously. 
Due to the suspension of automatic payment, which was resumed for the next month 's repayment, I lost the .025 % apr interest rate reduction. 
Automatic payments were resumed less than a week after the initial contact made to change the date of withdraw. The loan servicer has not confirmed the discounted interest rate has been reinstated after re enrolling in automatic repayments.
I had loans through XXXX XXXX XXXX because I went to XXXX University and as a part of XXXX closing. they were supposed to get rid of the loans I still had almost {$9000.00} through uas lending Services since they receive the loans that XXXX had to give up. almost {$7500.00} of my loans was removed from uas lending services but I still have a total of {$1700.00} and change through uas lending services. I do n't feel that I should be paying for this other XXXX if they already removed almost XXXX from my private loans that originated with XXXX and wound up with uas. I keep getting calls from uas saying that I owe the money and now it 's in collections saying that I owe them money why was this part of the loan not removed when the other XXXX % was? I would like for this loan to be closed out I 've already reported it through XXXX XXXX saying that I should not be paying for it and all they did was remove the late fees.
We filed for bankruptcy in XX/XX/2013 but have continued to make our mortgage payment to Ocwen Loan Servicing each month, on time.  They sporadically send monthly statements with the payment coupon.  I have called them numerous times to let them know we expect to receive the monthly statement with payment coupon and they are still not doing this regularly.  They seem to miss every 3rd month.  It makes me feel that they WANT us to default on this loan.
On this portal dated XX/XX/2018 Transunion responded that I requested a reinvestigation and dispute. I DID NOT! My complaint was addressing Transunions non compliance of the FAIR CREDIT REPORTING LAWS! My complaint is NOT for a re-investigation it is for their method of verification of inaccurate information they are reporting on my CR. I mailed this attachment with supporting documents. Its been over 60 days and I have received nothing. CFPB when will you step in and stop these law breaking tactics by these reporting agencies? I want Transunions methods of reporting not their dispute or reinvestigation so I can prepare my lawsuit.
My husband of 25 years has passed away recently. I am XXXX and mostly XXXX, and I am in XXXX and can not think clearly most of the time. For the past 3 years my husband was taking care of all our finances, so I was lead to believe, well now I find that none of our finances were being taken care of and I see where I am in default in all my loans. I do not want to lose my home and would like the opportunity to fix this issue.
I keep receiving phone calls everyday because the secured credit card balance is over the limit by {$4.00}. The minimum payment is due on XXXX XXXX, 2016 and it reflects the minimum payment plus the overage amount which totals {$29.00}. I 've been receiving phone calls everyday since the new bill cycle began on XXXX XXXX, 2016, but the bill is not due yet.