WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed the debt through all 3 credit bureau 's, and it is still on my credit, I Have never heard of this company nor have i did business with the company, I asked for a contract that was signed between me and the company, and they did not have one. I do not owe this company
I filed a complint against Bank of America for some late reports on my credit, acct XXXX, they did resolve that with the exception of one from XXXX 2015. I have tried disputing and contacting company but unable to obtain verification as proof the payment during that time was late and the credit bureau almost immediately reports information accurate. My other issue, upon Bank of America correcting the other late charges they provided the credit bureau with addresses that I have never resided without my knowledge, consent or confirmation. I inquired with the credit bureau XXXX XXXX how they allow for someone or any company to report unverified information on a person and they reflect it on the account. The response from the Rep. is they only document what is provided to them and they do not verify or request any verification of information reported. This act from Bank of America and XXXX XXXXCredit Bureaus was fraudulent, inaccurate and deceptive, specifically for others reviewing my report for credit. To report inaccurate, unverified information should not be allowed and there should be compensation. I contacted the XXXX and the information was filed, but it is unacceptable for an Credit Bureau to report any information given to them that has not been verified or even documented by the person being reported on. This is an unfair practice and intentional malice to lower or ruin someones credit.
I have contacted American Education Success ( AES XXXX my servicer of my private XXXX student loan several times since XX/XX/2016 regarding my employment status. I became under employed in XX/XX/2016 and told AES I would not be able to make my payments in a lump sum, but I could make smaller weekly payments via my unemployment and miscellaneous temp jobs. I was told every time " we do not do that '' and " I am sorry we ca n't help ''. Today I received a notice for XXXX that stated my payments for AES/XXXX were 30 days past due, which is not true. I pay a small portion almost every week. 

Yet I still get calls from the collection agency ( which I had to block ) and they are single handedly ruining my credit score. 

My federal loans, and all the other companies I have regular payments to like XXXX understand economic and financial hardship, they work with you, especially when you are still making payments. 

AES/XXXX are honestly just ... .XXXX. It ridiculous there is not some concessions made for those like myself who are still make regular payments and are trying to maintain a good financial standing.
After sending certified, return receipt letters to Equifax on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$310.00}, account # XXXX, requesting that I would like some type of verification for the supposed debt that was bearing my signature, I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. Waiting over 30 days ( which is how long Equifax is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received any type of verification of any kind, let alone any type of verification of the supposed debt that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided by Equifax, I am seeking that this particular inaccurate assumption is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
On XX/XX/XXXX I paid {$190.00} in escrow shortage to keep my monthly payment unchanged. It was applied to my principle instead, which I discovered on XX/XX/XXXX when the lender demanded I pay more each month to cover the shortage. On XX/XX/XXXX, I spoke to a Sr. Resolution Specialist who promised to fix the error in 5-7 business days. On XX/XX/XXXX, I got a call from the lender 's collection department. A check of my account showed that I was nearly {$3000.00} in arrears! I have never been late with a payment in the almost 3 years I have had the mortgage. I could also see that I was being charged {$37.00} for advances and fees. Since then, I have spoken or chatted online with 7 other people, all of whom are polite and apologetic and promise that 1 ) my account is being worked on, 2 ) I am not in arrears, 3 ) the {$37.00} is being removed, and 4 ) my credit will not be affected by this. On XX/XX/XXXX, the lender reported me to the credit agencies and my score has been reduced from XXXX ( excellent ) to XXXX ( fair ). This week, I have received 2 notices, one offering a " payment reduction '' so I can get " caught up '' and the other threatening foreclosure. I can not get the lender to fix my account. They promise everything and deliver nothing. Please help me!
I attempted to apply for a lower payment plan. When I submitted all of the paperwork required, my payment increased. When I complained to someone that I could not afford the prior payment, let alone the one that they were requiring me now to pay, they stated there was nothing they could do. I have now been deferring my loans for 2 years.
Web site is broken. Incapable of generating a free credit report. Gives message : " System Error '' ; " We are experiencing technical difficulties. '' See unresolved complaint XXXX and attachments.
I have been banking with Wells Fargo Bank for almost 2 years now and they have always charged me with insane fees. When I make a purchase, the funds get taken our of my available balance but their system manipulates it to where it goes back to your available balance and at a later date they take it out making it look like you made the purchase with no sufficient funds. It is designed to make you overdraft your account and so they can charge you {$35.00} NSF for a {$4.00} transaction. I have receipts of when I made the purchases that caused me XXXX charges of {$35.00} and I should't have been. I called their customer service and they wanted to just tell me how the system works instead of helping me out so I do n't have to make the complaint.
I received a call from loan depot offering lower rates based on recent changes made by the fed. I explained that my only desire was to find a lower interest rate. I provided all of my information including my homes value the outstanding mortgage amount, my credit score, my income etc. When the rep said he was going to pull a hard inquiry on my  credit report I stopped him and said based on an excellent credit rating what interest rate would you be able to offer. He said between XXXX and 3.25 %. I said based on that go ahead. He placed me on hold then came back with an offer at 3.5 % for a 15 year loan which would increase my payment by XXXX a month. I asked where is the XXXX to 3.25 % rate. He said oh that would be an arm. I asked what was the rate for a 30 year fixed conventional mortgage like my current loan. He said 4.2 %. I said I told you I was pursuing a lower rate, I did not ask for a lower term or to change my payments. He intentionally baited me into pulling my credit report after I expressed my concern over doing so for no reason. The rep was unethical and never had a product that met my requirements but pursued anyway. I would fire an employee of mine that behaved in this fashion.
Re ; loan # XXXX Over the past years Nation Star assumed servicing of my home mortgage from XXXX ( XXXX ), who assumed it from XXXX XXXX XXXX XXXX XXXX XXXX, who assumed it from XXXX who was the original bank on XXXX/XXXX/XXXX. XXXX invited me to a loan mod out reach event in XXXX RI years ago when they serviced loan in which they identified mine as " preditory '' however were unable to help me after it was determined the " investors '' didnt participate in a program of relief for my product ...??? 
Over the years since XXXX no servicer has honored my adjustable rate rider terms which was to drop my rate annualy & calculated an inflated arrears amt since I fell behind in XXXX that year. This inflated balance has also effected numerous in house loan mod denials as it throws off ratios. Last month Nation Star falsely claimed {$350000.00} amount in arrears on my loan mortgage ( if determined to be valid ) is incorrect. At time I fell behind in XXXX XXXX my principal was around $ XXXX & now I 'm informed its $ XXXX along with this additional $ XXXX in arrears! 
In past servicers such as XXXX & your own co. had indicated the wrong interest rate at 6.75 % beyond XXXX XXXX. My rate was to be fixed for 5 years per my adjustable rate rider originally signed with XXXX. Effective XXXX XXXX it was to have adjusted to 3.75 %, 2.875 % on XXXX XXXX, 2.75 % XXXX XXXX, & 3 % XXXX XXXX. Bank XXXX acknowledged the XXXX rate adjustment in XXXX prior to XXXX servicing the loan. Sls had acknowledged the rate however it was not consistently correct on statements nor in calculations as with your co. Although they now finally indicate the correct rate is being applied currently ; I retained a CPA who can not substantiate a past even less recent aggregate amount. In the past I had an Attorney, a CPA, & myself requested a review of this matter as well as a corrected amortization schedule. I no longer can afford to pay an attorney & CPA to make sense of the aggregate as its a waste of time & the Bank is unable to provide adequate info nor substantiate past inflated amounts. 
Ive requested they rectify this issue & recalculate this aggregate as well as provide an amortization otherwise I 'm trying to secure a loan mod on an inflated erroneous amount. In past I 've been denied numerous loan mods for for reasons related to insufficient income or not enough disposable income ; which this inflated aggregate is effecting the ratios on. I was most recently denied a few days ago & once again am facing foreclosure. Please Help me & my family. " Thank You ''
I contacted Wells Fargo about the fraud on my account. I woke up to texts on my XXXX about charges made by someone at a casino I have never visited. In fact I was asleep when the incident happened. The charges where made from XXXX TO XXXX. I was at my home asleep. I called and alerted the credit card company immediately. The filed the dispute incorrectly. The failed to include all the fraudulent charges made on the card. I have been back and forth with them trying to resolve this issue. I filed a fraud claim with the credit card company and have not heard anything else from them.
Dear CFPB - I am resubmitting my complaint against SHELLPOINT MORTGAGE SERVICING. Please refer to closed complaint XXXX for additional history. Shellpoint Mortgage has advised CFPB that they have not reported any new events to the CRA 's since XXXX, which is false. On XX/XX/XXXX, Shellpoint transmitted an update to XXXX that my account was in a delinquent status, which is false. As stated, the servicing of my mortgage was transferred to another party in XX/XX/XXXX. CFPB, please investigate as to why Shellpoint refuses to update my XXXX from a delinquent status of 120 Past Due. I have included snippets from my current report and the credit monitoring alert which indicates Shellpoint just recently updating my account status. This event update contradicts what Shellpoint Complaince Dept XXXX XXXX states in her response to my CFPB complaint # XXXX. XXXX also goes on to state that Shellpoint must report account transferred, but this is another contradiction to what has actually been reported to the CRA 's. Example enclosed. I am requesting for the CFPB to reinvestigate this matter. Shellpoint 's response was more focused on my payment history and not what they are currently reporting to the CRA 's instead of the current status of the account with Shellpoint, which is closed with a XXXX   balance, account transferred. I think the CFPB prematurely closed my initial complaint because of payment history and bankruptcy fluff written by XXXX XXXX. Now I have included documented proof to support my complaint about Shellpoint.
Equifax continues to report information on my credit report that they have sent me in writing confirmation that the items would be deleted ( see attached documents ). I have requested that the following addresses be deleted ( Equifax stated on the report dated XXXX.2018, confirmation # XXXX, that all of the addresses had been deleted ; yet when I pulled my credit report on XX/XX/2018, almost 120 days later, the addresses are still reflected as are accounts that companies instructed Equifax to remove : DELETE ( See attached report where Equifax stated these addresses were deleted : XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Delete : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) The above mentioned companies instructed all 3 bureaus to DELETE the entries ; however, Equifax has blatantly refused.

In summary, DELETE ALL AFOREMENTIONED INFORMATION FROM MY EQUIFAX CREDIT REPORT AND PROVIDE A NEW, FULL, CREDIT REPORT THAT REFLECTS THE OUTCOMES.
XXXX  continues to report inaccurate information to a name that sounds and looks similar to my own, my name is not the person on their credit profile. My name is XXXX XXXX, not the all capital letters name XXXX XXXX, I've submitted my National I.D . as proof, however the debt collectors & agencies refuse to correct their information, which I believe is against the law, my character has been defamed by these agencies and we will seek legal counsel for their dishonest acts. Under H.J.R. 192 the U.S. government is bankrupt, Federal Reserve Notes is a debt instrument, how can one pay a debt with a debt instrument? It's impossible, this is proof these agencies are committing fraud against the people, I do hope this is the proper platform to address these issues.
I have disputed the reporting of this account because it has been reported twice on my credit report. The company and all three credit report agency refuse to fix it. I need someone to help get this corrected. Please
I have been charged {$68.00} in fees, my accounts current balance is {$67.00} making this balance all fees. Because I have {$50.00} that was deposited to my account and reflected in my balance as part of the available funds. I have been charged two fees for a purchase of XXXX and another of XXXX. I made these purchases because my banking reflected the fund available. I am told now that the funds hadnt technically posted so they charged the fees. If not posted it should not reflect as available causing me to go over my balance and accrue fees I have worked so hard to avoid. I am asking that both fees be refunded.
I had a parent/child checking and saving account with Bank of America with my son. On approximately XX/XX/2018 funds were transferred between the checking and savings account and withdrawn via Bitcoin and ATM. There was also a deposit ( {$300.00} ) via check. None of these transactions were done by my son or myself. The next day after discovering these transactions, I called the bank and was told there was nothing they could do until the transactions were out of the " processing '' status. Once they cleared this status I called back and filed a fraud claim. My son made a police report and I continued to follow-up with the bank. Since XX/XX/XXXX, I have gotten very little satisfaction with Bank of America from handling this claim, closing the account 9and my sin being XXXX listed with all banks ) to receiving his remaining funds in his account after it was closed. I have contacted the bank serval times from XX/XX/XXXX - XX/XX/XXXX to clarify this issue. In XX/XX/XXXX I submitted all the required documents they have asked for and haven't gotten a written statement as to why the claim has been denied as of today. 

In XX/XX/XXXX, I was asked to submit a detailed copy of my cell phone bill to include all phone calls and text sent on the day in question to verify if authorization was given to make the bank transfers. I submitted the entire month of that bill and never received a response from Bank of America. I called about 3 days after submitting the phone bill and was told the information wasn't attached to my claim because I didn't call to tell them I submitted it ( although Bank of America gave me the information of where to submit the bill ). I then called back about 10 days later and was told the claim is still being investigated and can take up to 45 days. I called back about 2 weeks later and they concluded with a denial still ( still haven't received any written information  as to why the claim was denied ). While speaking with a representative ( XXXX or XXXX ) he couldn't understand why the claim was still denied and was attempting to put me in contact with the investigator that processed my claim and get a better understanding of why my claim was denied, we were mysteriously disconnected and he never called me back. I called back the following day and spoke with another representative and he said he would send a message for the previous ( XXXX or XXXX ) representative to contact me. Needless to say, neither the claims investigator or XXXX/XXXX has contacted me. I haven't contacted them since my last conversation in XXXX. I was told to submit a claim about this issue ( as per another bank ). 

Attached is a copy of exactly what I sent to Bank of America.
I was just informed during a telephone call that I made to Radius Global Solutions by a supervisor by the name of XXXX XXXX, that they are attempting to collect a debt of {$800.00}. My credit report states that the alleged debt is {$770.00}. She then also stated that there was some other {$25.00} charge.The telephone call took place at XXXX central time. It was also stated the 3 times I was placed on hold that the call can be recorded or monitored. It also turns out that she confirmed that the account was opened with them on XX/XX/2019. I had no knowledge of this due to them not stating who they were on the telephone when they contacted me some weeks ago. I did tell them to only contact me by mail. And they did, BUT they sent the documentation to address I have not been associated with for the past 2 years 5 months. It also turns out that XXXX XXXX stated that the debt was bought by them from the original creditor XXXX XXXX XXXX XXXX. I do know for a fact this debt did also come from a company called XXXX XXXX before the date that Radius Global Solutions on XX/XX/2019. When the accout was in the hands of XXXX XXXX it had gotten deleted due to not being able to Validate the debt. XXXX XXXX XXXX is a debt purchasing company, not the original creditor of this debt. If the Original creditor is no longer attached to this debt and can not be validated this item need to be removed IMMEDIATELY. Thank you.
Unable to have XXXX, Equifax, and XXXX ( XXXX XXXX ) update my credit reports for creditors XXXX XXXX XXXX XXXX ( credit card ) and XXXX XXXX XXXX XXXX ( auto loan ) to current and correct data. I have disputed these creditors at least four ( 4 ) times in the last three ( 3 ) months. They keep sending me credit report updates that state, " Results : DISPUTED INFORMATION UPDATED ; ( OR ) DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED. '' After reviewing credit reports, the information is still unchanged. 

The following creditors have been disputed with NO updates on credit reports : Creditor 1 : XXXX XXXX  XXXX XXXX XXXX ; Dates disputed : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 
Dispute : XX/XX/XXXX and XXXX XXXX payments not " 30 days late. '' ( Actually confirmed with XXXX XXXX XXXX XXXX XXXX that they ARE NOT late. ) Creditor 2 : XXXX XXXX XXXX XXXX ; Dates disputed : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. Dispute : Data entry is not current/correct.
I received a check from a record label I'd done some music for. The check totalled {$7000.00} dollars. Citizens bank employee XXXX XXXX was very polite and helpful when opening the account saying that five to seven business days were needed for the account to clear. I assured her that I would pay past overdraft fees from past accounts and looked forward to continuing to bank there as it is located in my neighborhood. This took place at the end of XX/XX/2017. After five business days I was told that the funds were not available and unable to get a pin number for my new atm card meaning no check and the inability to deposit my payroll checks from my job as well. I went to discuss with tellers early one morning only to be dismissed by a woman named XXXX the acting bank manager. She said the check was bad and had not been cleared. When I talked to the person that issued the check, XXXX XXXX XXXX, their bank, had generated the check electronically with an electronic signature via XXXX XXXX. After meeting with XXXX no one would explain how we could solve the issue. She was unwilling to explain what " discrepancies '' were found in the way the check was issued. This has ruined my XXXX season and the ideas I had for moving forward as an aspiring musician. They now claim the check will be returned in XX/XX/XXXX to the issuer. I simply can't believe they would steal my money. If they didn't want to open the account I would gladly gone to another bank.
I have asked the company in question to stop offering me their credit products ( or any product/marketing communications for that matter ) but I'm still receiving offer letters sent to my home on a monthly recurring basis.
I have a ton of automobile inquires ranging from XXXX -XXXX and one mortgage inquiry in XXXX that I do not recognize nor did I authorize. I have tried to dispute this with the credit bureau ( XXXX, XXXX, and Experian ) via fax, email, and phone. Then continuously tell me that I these are statements of fact and I applied for credit and they ca n't be removed. One employee of XXXX told me that I applied for this credit even after I told him several times, I did not. So the fact is that companies can place a hard inquiry on my credit report without my authorization. I 'm not talking about the firm offer of credit, insurance, court order. Those I understand but these hard inquires are neither. That is pretty alarming and I want resolve this issue without having to mail letters to 35 different cm having to
I have been working with XXXX XXXX for the past 3 months trying to figure out why the loan I have with them has not been reporting on my credit as promised and included in the contract I signed with them it says so. This entire time I've had this loan since XXXX of last year it has not reported properly. Now -- this Wednesday is my last payment and every payment has been made on time and it's not on my credit! Before it was and the balance was high and not reporting payments made. This impacted me getting credit and that's why I asked them to fix it but they have NOT fixed it. I have reached out to the district manager -- -and even asked her if I could talk to corporate. NO one has called me back. I keep hearing it'll be on there in two weeks but still nothing.