WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX recently came into my credit report at all three bureaus. This states from 2015. I have reported this SEVWRAL times as it is completely inaccurate. 

I am looking for TRUE validation yet o Provides with nothing. It simply says no changes. This account was placed on my account 5 years later and they have not validated this debt with more than an address, etc. 

2. This account is listed as in collections it is still Reporting late monthly payment. As of now this account has 36 monthly payments but the account went into collections 36 months ago.

3. The current payment account status is 120 Days Late but the account is Listed as closed.

4. I NEVER EVER received notice of this debt. It simply popped up in my Credit Report. I specifically asked multiple times for this information and never received.

5. Its ahowing as Voluntary Repossession and I NEVER EVER EVER EVER DID THIS and I requested prood of this and never rcvd. 

These companies should not be free to Put inaacurayw information on your credit Report with basically no power to remove. They keep saying it is verified and that is impossible. Because its completely inaccurate.
Equifax on XXXX/XXXX/XXXX sent a copy of my credit report including my SS # and credit information to an old address where I have n't lived since XXXX XXXX. And thus put me at extreme risk of identity theft. Equifax did this despite refusing online to give me a copy of my annual credit report because they could not confirm my identity and current address! I sent Equifax in XXXX and XXXX XXXX my correct address both online and by mail with copies of indentifying documents requested to verify my identity and current address. I think it only fair that the CEO of Equifax be ordered to send me his SS # and credit report so that I can then send it to WHO-EVER I want and expose him to the same risk of identity theft that he exposed me to. XXXX and XXXX did not do this, what the XXXX is wrong with Equifax?! Maybe I should be talking to an attorney for compensation.
Section 8 Housing denial and I have 10 days to appeal. If I ca n't view or get my XXXX credit reports, how the XXXX am I expected to file a complaint?
Hello my name is XXXX XXXX I've been a victim of identity theft I was trying to rectify the situation by calling all three of the bureau 's XXXX  Experian and XXXX  I wasn't able to rectify the situation I wasn't able to get in touch with anybody I've been put on the whole for about morning 30 minutes each time I would like help with this situation thank you
Navient is calling my work. I have explictly told them I am not allowed to have calls at work and to not call me here. They have also sent numerous faxes to my work with my personal information for everyone to see, my full name, social, and birthday, and requesting my employment information without permission or subpoena.
PMAB, LLC., reported a medical bill that was in dispute with XXXX   XXXX XXXX XXXX in XXXX XXXX , NC XXXX between my Insurance provider ( XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX , for more than two years. 

PMAB, LLC., never attempted to contact me to receive or ask for any explanation on my part despite the fact they had my telephone number and Post Office Box address on file provided by XXXX  XXXX XXXX XXXX . 

PMAB, LLC., proceeded and placed the collection of a {$67.00} and {$270.00} respectively on my credit files with all three credit companies on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in an attempt to damage my credit. 

I only discovered this damage done by PMAB, LLC., only when I was declined credit by a furniture company in XX/XX/XXXX, which was completely and totally embarrassing. 

I immediately and repeatedly contacted the PMAB, LLC.,  representatives in XXXX , NC, for immediate retrieval and correction of this egregious damage to my reputation and credit. This company and their representatives have been rude, inattentive, and completely treated me with disregard, and have failed to correct their error. They continuously lied that they did not have my address or telephone number when in fact my address was printed on the check that was used in paying the balance that XXXX XXXX XXXX XXXX indicated I owed, and in their record. 

I believe PMAB, LLC., has acted with malice to destroy my credit without making any attempt to contact me before placing a debt collection on my credit files. This is a violation against fair credit act and a fraudulent business practice perpetrated by PMAB, LLC., to collect a debt that is in dispute with the creditor. 

I demand an apology letter from PMAB, LLC., and an immediate removal of this error from my credit files.
XXXX XXXX, XXXX, and XXXX do not provide adequate communication and information regarding loan payments.

I was making payments -- never missed any -- to XXXX  when the service switched to XXXX XXXX. I've received exactly one email regarding the switch but had reasonable basis to doubt the legitimacy of the email because I visited XXXX and saw that the website now belongs to XXXX, and the content of the website mentioned absolutely nothing about XXXX XXXX. Therefore, I did not want to provide personal information to XXXX XXXX at the time due to this lack of conviction.

I did not know what happened to XXXX, and could not make payments because my auto payments were completely stopped. Hence the start of delinquent payments. I do not believe that the responsibility of this delinquency falls completely upon myself, but rather on XXXX XXXX  and former XXXX  as well due to little or no communication.

XXXX XXXX or former XXXX, did not handle communication properly by informing payees to change address, or at least email/call them to notify of delinquent payments. I live and rent at another address and was not given any opportunity to update my address. I would do so if I knew XXXX XXXX  does not offer paperless communication. I finally received a physical statement of my balance due ( in horror ) when I return to my home address that I do not visit frequently. If XXXX XXXX XXXX goal is to collect payment, why hasn't it expanded the scope of communication to its payees? Unless this is an intentional and unethical tactic employed by the business to collect more on fees and interest of delinquent amounts.

I will take responsibility on my part that I have not reached out to see why my payment to XXXX  have stopped. Therefore, when I receive the delinquent notice, I accept to pay the full amount which include late fees.

When I tried logging into XXXX XXXX, I could not click on " Make a Payment. '' The button was grayed out and when I tried using Guest Payment, it kept saying my account number is valid when I have confirmed it to be correct many times. At this point, I feel that XXXX XXXX is making it difficult for its members to make any payment, and therefore even prolong the delinquency.

And that is why I am filing the complaint now. I have no problem using XXXX XXXX, never have missed a payment there, and can prove that this delinquency is not intentional with my strong credit score.
We tried to create an online account following AMCOL 's instructions, but could not so we can not track any payments.
AMCOL assigned two different account numbers to the same bill of {$150.00} and sent statements for collections.
We have sent them copies of the bills, screenshots of the AMCOL site error message and a letter.
I was contacted from a no caller I.D, left a voicemail that I need to call ( XXXX ) XXXX in regards to case # XXXX and that I have been warned. When I googled the phone number there was multiple reports that it was a scam. When I called they wouldnt tell me who they were calling on behalf of or what I owed on my so-called debt. The gentleman that I talking to wouldnt tell me his name and said I should be ashamed of myself for not paying my debt and that I should be familiar with this process since Ive been summoned to court for not paying my debt. Then he hung up on me. When I called back I said yes, I was rudely hung up on and he immediately went off on me saying that I was rude then told me what my social security number is and that he had my credit report pulled up in front of him without me saying who I was and verifying who he was speaking to before giving out sensitive information. Then he told me that I was going to be arrested and he is going to issue a warrant for my arrest and that they will find me at work tomorrow.
COLLECTOR KEEPS COLLECTING A DEBT NOT MINE AND RAN MY CREDIT W/O PERMISSION IN VIOLATION OF FCRA. ( SEE ATTACHED REPORT )
Per Case number XXXX XXXX XXXX states that they mailed a letter closing my account and stated that I was no longer obligated for the account on XXXX XXXX, 2016. Although I never received the letter they claim that they sent the letter to all XXXX credit bureaus. Not only is the information still on my credit report as open and in collections the credit bureaus refuse to remove the information from my credit report and claim that XXXX is still reporting the derogatory information.
I have paid off this loan and the company keeps adding cost to this. after I paid it off I got a letter saying that I owed XXXX, I sent them the payment and today I got another letter saying that I owed an additional XXXX. When I called them they say that they did not receive anything. They have done this to me before by not posting payments and charging me late fees. I have called them and they have straitened it out before but are now not sending title without an additional fee being paid. I do n't know what else to do. Thanks
I received a letter from afni, Inc., Subrogation Department stating that I owed money, apparently from an car accident I never had. I wrote a letter to them stating that I did not owe the money and asked for validation of the debt. I have received several letter and sent several letter by certified mail. They do not respond except to send more of their computer generated collection letters. They are obviously bad apples and should be punished. I have attached all the correspondence. XXXX XXXX XXXX
Hello CFPB, Thank you very much for your service and assistance. 

An account showed up as " charged off '' on my XXXX Credit Report. The only information I can attain is -- CBNA ; revolving account ; first descrepancy XX/XX/XXXX ; then " charged off '' XX/XX/XXXX ; XXXX, S.D. XXXX --. 

I have no idea what this is concerning. Thru online research I found a telephone number for a " XXXX '' -- ( XXXX ) XXXX --, but this number is not a valid telephone number.... Could CBNA also stand for CitiBank of XXXX? 

The last couple years, I spent maybe 60 % of my time away from home as a XXXX working all over the state, but not near home. I also had a few medical issues that were taken care of at various medical facilities near home or away. I have no one at the house to get mail, and what I could n't take care of online gets mailed.... A few months ago, I paid all of my bills, totaling thousands, and went thru all mail, as I never throw mail out. Still, I can find no paperwork that has " CBNA '' printed on it nor any Citibank paperwork. 

I have not opened any Citibank account in years. I tried to open an account with XXXX ( a local box store ) a few months ago, but that was more like XX/XX/XXXX, not XX/XX/XXXX. 

I 've sincerely tried to pay all my bills and have kept and noted all paperwork as paid. I can not contact any CBNA to find out what this is regarding. I want to dispute this being on my credit report, as this year the only outstanding account on my credit report will be this " CBNA '' and " XXXX '', and it could stay on for another 7 or 6 years, harming my credit score. 


Respectfully, XXXX ss # XXXX cell XXXX
I XXXX XXXX am having numerous problems with the staff and the management, at the local Wells Fargo bank in XXXX Va. I have had no income last year and this year I only worked for 3 months, I was very sick for 7 months last year and did not receive unemployment benefits even though I am legally entitled for. This year after my income trickled to a stop, I stopped by the branch numerous times to get them to close my account and they would either say they would close it or pretend to be busy or tell me I had pending transactions so they could n't close it. For example I have had penalties for a mortgage withdrawal from XXXX XXXX, even after they had sold my mortgage Since then they have been slapping me with penalties and have never closed either of my XXXX accounts even when there was a XXXX balance and they had promised to close it after I left ; and I have had to struggle with money. Please help me resolve this issue by having them remove my past penalties and close my accounts. If you contact me then I can provide you the records. But you must seize the data without letting them close the access to the data before an action is taken. I demand monetary compensation for all the aggravation, humiliation, insults and mental torture they caused me. At one time one of the staff managers refused to notarized my paperwork because he said my address was different on my drivers licence. Please help resolve this justly Thank you XXXX XXXX XXXX XXXX XXXX XXXX va XXXX
I sent XXXX XXXX XXXX balance of XXXX a letter asking to provide me with proof of verification and validation of documentation of original contracts with signatures. I received back saying it was verified. I do n't think they did a fair and thorough investigation per the FCRA.
Nationstar increased my MONTHLY payment from {$1400.00} to {$1500.00} for the last 6 months although they say my YEARLY e scrow has only gone up about {$150.00}. They have no explanation for why I 've already paid  XXXX  more than last year.
Six years ago I had my debit card stolen and someone deposit a check into my account using my PIN number. They also withdrew the remaining amount of money I had in my account. They withdrew about {$1000.00}. I let Bank of America now and they spent a month investigating and then let me know that about a week into the investigation they deleted footage from the bank of America ATM machine of the robber. I had a police report and followed all the steps that they required. I checked and there was about a $ XXXXXXXX {$500.00} limit on withdrawals so I do not know how they were able to withdraw almost {$1000.00} within a day. After about 2 to 3 years they forwarded the information to the XXXX and to this day I am unable to open a bank account because of this. Throughout this whole process the bankers at the location that I open my account where extremely rude to me and the people that were speaking to me on the phone treated me like I was a criminal even though I had a police report and they deleted the footage of the people that stole my card.
My debit card was closed without any notice to me. I had no access to my money for a few days until a temporary card was issued. The bank could only tell me that it was notified by someone that a potential breach had occurred and to close my account. The could not tell me who initiated the closure or when. I think I have a right to know these things.
I HAVE AN ACTIVE FORBEARANCE EFFECTIVE XX/XX/XXXX THROUGH XX/XX/XXXX..

WHILE ON FORBEARANCE XXXX HAS NEGATIVELY REPORTED DELINQUENT STATUS ON ALL CREDIT REPORTS
I consolidated my student loans along with XXXX small Parent Plus loans. In the consolidation loan application I marked that I wanted and Income Driven Repayment and more specifically an Income Based Repayment. The online system allowed me to check off " Income Based Repayment. '' However, because I consolidated Parent Plus loans in with my student loans I was n't eligible for and " Income Based Repayment. '' The online system should not have allowed me to check off the option - " Income Based Repayment. '' Furthermore, I did not receive my estimated payment amount in time for me to even cancel the consolidation loan. This seems like Deceptive Trade Practices to me. First, the online consolidation system allows a borrower to check " Income Based Repayment '' and then FedLoans does n't get the monthly estimated payment to the borrower until after the ability to cancel the loan has passed. Mortgage and consumer lenders are bound by law to provide " Right of Recision 's '' and " Good Faith Estimates '' so that the borrower can insure that they can afford the payment. Why is n't FedLoan Servicing held to this same standard? I can not afford the Income Contingent Repayment that FedLoan provided to me and now they are telling me I have no other option.
On XX/XX/2018 I sent a dispute letter to Experian as I found a company by the name of XXXX XXXX   reporting inaccurate information on my credit profile. XXXX XXXX was and still is reporting multiple opening dates across the 3 bureaus, so I knew the information was inaccurate and showed Experian the proof. As of XX/XX/2018 Experian had not responded, so on XX/XX/2018 I sent another letter to Experian explaining that I had not received a response from them in 30 days. They finally sent me a response dated XX/XX/2018 stating that unless I provide additional relevant information to support my claim they would not reinvestigate the information again.
Bank of America is a XXXX participating servicer. XXXX allows for full lien extinguishments I requested and was told that I qualified for full extinguishment of my second loan ( Loan # XXXX ) after I provided all requested documents to Bank of America including the XXXX Certification, XXXX Certification and Occupancy Certification form. I have not received the full extinguishment as promised by Bank of America and have been waiting. 
Under the XXXX Lien Modification Program ( XXXX ), when a borrower 's first lien is modified under the Home Affordable Modification Program ( HAMP ), a participating XXXX servicer, in accordance with any applicable pooling and servicing agreement or other investor servicing agreement, the XXXX servicer may elect to partially or fully extinguish a second lien. 
Effective XXXX 2013, Treasury expanded the XXXX program to include qualifying first liens that have been modified under the XXXX Standard Modification requirements. When a borrower 's XXXX lien is modified under the XXXX Standard Modification requirements and the first lien satisfies the HAMP eligibility criteria, the XXXX servicer must offer to modify or extinguish the borrower 's second lien under XXXX. 
I was told that through the extinguishment program, Bank of America will report to the major credit bureaus that the my second lien mortgage is now " paid and closed '' and has a XXXX balance.
I purchased two pairs of gloves from a company. I only received one pair of the gloves. I received the gloves after the second attempt to purchase. Ive contacted my bank twice ; both times being denied a reversal of the debit. I was told before the second denial the dispute was being researched between XXXX and PNC bank. 
Both payments were made using the same card, the company has not ( to my knowledge ) provided proof of a receipt for my first purchase or tracking details for the gloves. I did not receive the gloves the first time. 
I was smart enough the second time to use my debit card through XXXX for assurance and the gloves were received. I have a locked mailbox so they wouldnt have been stolen. 
PNC continues to deny my dispute because I authorized the transaction. I did authorize it but Im not in the business of donating money to companies. I expect that the merchandise will be received. 
I am frustrated because at this point PNC and XXXX both seem to be ignoring the fact that I didnt receive the gloves. I am not asking for the money back for any other reason.
On the XX/XX/XXXX, when I tried to access Bank of America 's online bank, the answer I got was that my user did not exist, I thought they were system problems, or that they had closed my account passed to many people. 

The next day when I tried to enter I simply obtained the same result, so I took the option to call the Bank of America call center. 

The executive told me that my account was not closed, just for some reason I was not online anymore, I had to create a user and do the registration procedure, when I achieve it and see the balance I realize that I'm missing money. I start to review the records and see that three transferences that were made to my account by a sale were reversed. One for u.s.d. XXXX, another for usd XXXX and another for usd XXXX. 

I go back to the Bank 's executive and she tells me that the bank that made the transfer went to the bank and stated that her account was cheated and that she had not made those transfers, the bank without investigation or communication or information to my person. the imperative decision to take that money away from me. 

I sold some bitcoins from the official website and the payment was via transfer the money came to my account so I released the same As it turns out, in the bitcoins account it now appears that they are scammers, they are dedicated to this.
XXXX  - Extension  XXXX  -  Resolution Specialist - Solutions Center  - Nelnet  XXXX  refused to provide any other information to better identity this encounter ; employee ID number, Last Name, Call or Reference number.      XXXX  stated, '' If you dispute these accounts in any way, it will hurt your credit score. " She referenced the F.C.R.A when making these claims.     This is outright false and was interpreted as a threat of action and an attempt to influence my decision for the benefit, and on behalf of Nelnet.      XXXX  was condescending in her answers and ultimately failed to provide answers to critical questions about my account. This is by far the opposite service one would expect from content knowledge experts on student loans and credit. She could not adequately explain how these accounts are reported on as well as the process or reasoning for the accounts ' closing and re-establishment.
OCWEN purported having foreclosed on account number XXXX, property address XXXX XXXX XXXX, XXXX, California XXXX. XXXX and XXXX XXXX is with information that an payment were made to OCWEN by XXXX XXXX, attorney after the sale of the property at a trustee sale, however OCWEN has not confirmed the payment were received. Please confirm : 1 ) that a trustee sale were conducted by XXXX XXXX on behalf of the beneficiary OCWEN. 2 ) that a " pay off '' were made to OCWEN by XXXX XXXX satisfying the debt. Submit a letter stating a " pay off '' were made.
I received a garnishment notice today at work from a lawfirm that is representing XXXX XXXX XXXX. I originally learned about a judgment from XXXX in XX/XX/XXXX, when I received a notice at my home. I immediately reached out to the firm to try and come up with a payment solution and they informed me that I would need to pay the entire debt. I also filed a complaint with the CFPB at that time but XXXX said the file had been handed off to the lawfirm. After I was served with the initial judgment paperwork, talked to the company, and filed the CFPB report, I did not receive any other communication about this debt at any point in time until today. I also have a credit alert to notify me of any changes to the credit bureaus. I do not understand how I can be served with garnishment paperwork if I was not even served with a default judgment. Further, the garnishment paperwork is stamped by the XXXX district court as received on XXXX XXXX, 2016 which is even more confusing.