WillisBack/dataset-financial-user-claim huggingface dataset:
The Experian credit reporting bureau had inaccurate information on my credit report that I disputed XX/XX/2106. XX/XX/2016, the bureau sent me a notice stating the information had been updated. There was no correction to the inaccurate information. When I filed a complaint against the creditor with the CFPB, the creditor reported additional inaccurate information. I requested to dispute the additional inaccurate information, and Experian denied the request. The company stated that the information had been verified and could not be disputed again. The Experian reporting system does not meet the standards required by the Fair Credit Reporting Act. The system allows the creditor to report inaccurate information about consumers over and over and over again. The coding system does not safeguard consumers from creditor 's retaliatory conduct. The creditor reported on my credit file that the account was charged off twice, and that it was a repossession 10 times. The coding system should define what is a terminating act by the creditor. If the account has been reported one time as a repossession then the system should not allow creditors to report the repossession again and again. If the account has been charged off then the system should not allow creditors to report it again and again. There is no way to protect consumers like me from violations by the creditor.
Please see attached dispute letter. 

Also, this account was previously deleted with XXXX XXXX Account Number XXXX ; XXXX XXXX, Account Number XXXX ; and XXXX XXXX XXXX XXXX Account Number XXXX. I am not sure why the account keeps getting resold when it was legally deleted from my credit report for violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Everyone I have disputed it with as deleted it because they have failed to provide proper validation and verification.
my mortgage payments are {$78000.00} a month we had a bad few months, so i was paying {$700.00} a month and 4 months, later Huntington bank was trying to foreclose on our home with letters, i could not figure out what was happening, so i called them they had told me i had not been paying my payments, the 3 {$700.00} payments, just sat there, the XXXX, mi branch took my money, and all was good, then when i talked to them oh they had to tall XXXX oh, because they did not take care of that any more, i talked to a XXXX in the XXXX mi branch, he has yet to even call me back and get this straightened out, so i dealt with XXXX oh and finally got back on track, they said because i was not paying my payment in full they could not apply it to our acct,????? really, they actually mailed 2 check from Huntington bank in XXXX and XXXX back to us, instead of applying the, so they finally after my calls canceled them and once i pd {$86.00} on XX/XX/XXXX they applied one payment, then on XX/XX/XXXX i pd another {$170.00} they applied 2 more and then i pd {$780.00} plus {$100.00} late charge and they applied that one, the XX/XX/XXXX payment of {$700.00} they pulley out and reapplied that one, so finally on XXXX XX/XX/XXXX XXXX, XXXX, XXXX, and XX/XX/XXXX payments got applied .I still owe for XX/XX/XXXX payment, every month because they wrote us up in the credit bureau and have ruined our credit, over not applying that money to our acct.i think they need to be fired for screwing peoples lives up, i will never recommend this bank to anyone, and i feel they need to correct this,. computers are only as good as the person putting in the info., i have never heard of a bank refusing money, because they can not apply to the balance, crazy.
Sometime in XX/XX/XXXX, I was planning to move to XXXX to resume my new job as a XXXX ( XXXX XXXX ) at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. I was looking for an apartment ( I had lived in XXXX, XXXX from XX/XX/XXXX when I moved into the country ). I had in the course of my search, went to XXXX XXXX XXXX XXXX, XXXX  where I was shown some apartments. I later applied online for an apartment and my application was successful and I paid the deposit required. I moved from my apartment at XXXX XXXX XXXX, XXXX XXXX in XXXX, XXXX ( where I had lived for XXXX years ) on XX/XX/XXXX to XXXX to take possession of the apartment I had applied and paid for ( the deposit ) at XXXX XXXX XXXX. On my getting to the apartment office, on XX/XX/XXXX to take possession, I WAS MADE TO PAY FOR THE 1ST MONTH XXXX DOLLARS AND MADE TO SIGN THE LEASE BEFORE I WAS SHOWN THE APARTMENT, I immediately rejected it because it was n't what I had seen when I came to visit and what I had paid for, the lady told me to come back on Monday, XX/XX/XXXX to see her boss. I went back on Monday XX/XX/XXXXbut they were unable to provide the one I wanted, so I told them, I WILL NOT BE GOING AHEAD WITH THE LEASE since they do not have what I was promised, they refused, saying I had signed the lease and if I wo n't be going ahead, I had to pay about XXXX DOLLARS plus as cancellation fee and 3 months rents ). I told them I WILL NOT BE DOING THAT considering the fact that they did not fulfill their own end of the bargain. I then went searching and I found my current apartment, applied and got approved same day ( the monthly rent by the way is even way higher than what I would have been paying at XXXX ). XX/XX/XXXX XXXX went ahead to draw XXXX dollars from my XXXX XXXX XXXX account, after I had told them otherwise, I called them and mailed them as well, reiterating my stance that I DO NOT OWE THEM ANYTHING and that they even have to refund my deposit and the money already drawn from my account, I NEVER TOOK POSSESSION OF THIS APARTMENT, I NEVER HAD THE KEYS TO THE APARTMEN, The only time I stepped my foot into the apartment was when I went with one of the staff on the day I had referred to earlier. I reported them to my bank and a dispute was opened, ( see attached 1 ), dispute which was resolved in my favor and my cash was returned to me. After a few months, I started receiving mails from FAIR COLLECTIONS AND OUTSOURCING claiming I was owing XXXX XXXX XXXX, first it was XXXX, then later XXXX dollars, I called them multiple times and sent a mail to them as well ( see attached 2 ) stating my own side of the story, but they went ahead and reported this illegal act to the 3 Credit Bureau. This had adversely affected my Credit Report. I NEVER OWED THIS AMONUT, SINCE XXXX XXXX XXXX NEVER FULFILLED THEIR OWN END OF THE BARGAIN, why would I be made to pay for this. XXXX XXXX XXXX, if not that they are trying to bullying me into paying this should have taken this case to the Courts, where such issues are addressed.
My current student loans are being serviced by Fedloan. In the last few months I 've had some extra money and figuered I would pay down my loan a little extra. After a few months of doing this, I noticed my payment amount changing which seemed odd, so I looked into what was happening. Instead of applying my extra payments to curent principal after all my interest payments were satisfied, they were applying my payments to " future '' payments. It would seem to me that any interest my loan accrued on an amount that should have gone to principal is fraudlent. It is not a huge sum of money, but they are in effect preventing me from paying down my loan faster. This would seem like its a form of an undisclosed pre-payment penalty and seems like its illegal. I ca n't XXXX any XXXX person has huge damages from this practice, but If they are doing this to anyone looking to pay down there student loans faster, I would bet this adds up to a lot of ill begotten gain.
In XX/XX/2008 I attended a trade school at the XXXX The original tuition to attend school there was around {$20000.00}. I took out the cost of the tuition from XXXX now known as Navient. After I had graduated I had difficulty earning money due to harsh economic times and a difficult job market. After speaking with XXXX they gave me the option for forbearance. After more years of struggling the interest on this loan has gone far beyond the principle balance to more than double at around {$54000.00}. I have spent the last XXXX years going back to school to earn a XXXX at XXXX solely so that I might be able to pay back this loan. From reports that I have heard about on the news, It has come to my attention that given my circumstances, this accruing this much interest could have been avoided but due to XXXX/Navient 's deceptive practices I am currently in the situation that I am now. I am filing this complaint in hopes that some sort of resolution can be made.
GMTHIS IS IN REFERENCE TO CASE NUMBER OR CASE XXXX. I have been given nothing but problems with locations within my area to retrieve funds from Western Union due to lack of ID. I have been sent this money by my sister, with the understanding that I would be able to retrieve funds without my ID as long as Security ( Test ) question info was provided to Retailer ( Per Western Union standards ). But Yet your company ( Western Union ), who pay the retailers and we ( customer/consumer ) pay you for the service of money transferallow retailers to BASICALLY OVERRIDE your rules and Advise said customers/consumers they have their own rules and can deny payment for lack of ID.I went to several retailers who advise they will not honor request without ID. So what good is this answer TEST ( security ) question when they still refuse to honor WESTERN UNION customers? To be honest, this seems fraudulent, to drum up business for your company and I am certainly going to have this looked into AND FORWARD THIS INFO TO. And will Make sure to put the word out how unhelpful your company is when honest, hardworking consumer/ customers are led to believed that your service provides all that it says it does.
XXXX XXXX XXXX contacted myself, my husband, and my son 's father to get ahold of my son concerning an advance payday loan from XXXX for {$130.00} from XXXX 2014. 
XXXX XXXX XXXX stated that my son committed fraud against me. XXXX XXXX stated that he worked for the Oracle Financial Group in accordance with the XXXX County Courts. He will be changed through the XXXX County Courts if my son, XXXX XXXX, does n't call by XXXX XXXX. That was the message left on my husband 's cell phone for me. 
When XXXX XXXX called me directly, he said about the same thing, but XXXX XXXX had to call him back by XXXX or he would have the sheriff 's department go and arrest him at work and XXXX would lose his job. 
XXXX XXXX also knew all of my previous last names, my birthday, and my social security number. XXXX XXXX also stated that he would have me arrested if XXXX did n't contact him. I am XXXX and makes me afraid because of his tone and threatening attitude. He also knows my address. 
I do not want this company or anyone associated with the Oracle Financial Group LLC to ever contact myself, or other family members again.
my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the three credit Bureaus, ( XXXX, XXXX, XXXX ) I contact Capitol one but they could not trace any information. neither they would able to help me the issue please refer to credit report attach
I have called in weekly since XXXX/XXXX/2015, ... .... and each time I was told the file was in underwriting. I recently called on XXXX and was told the file was not in underwriting and has not been the entire time. I spoke to a manager XXXX XXXX ID XXXX ) who could not give me an explanation of what happened. I plan to resubmit a whole new packet as the original will likely be outdated. Please see that this new packet goes properly into underwriting and that the representatives are not falsely stating a packet is in underwriting when it is not. Thank you for your time and consideration in this very serious manner.
On XX/XX/18 my account went into overdraft in the amount of {$3.00}. I immediately deposited {$5.00} into my account which brought my account to current with a new balance of {$1.00}. 

I checked my account today to see if my travel check was in my account and it has not yet been direct deposited. I immediately noticed my account negative in the amount of {$43.00}. I did not have any new transactions and everything was posted into my account. 

I called the bank and I spoke to two representatives plus one supervisor and they all refused to give me my money back. I have my receipt from my deposit showing my balance was current yesterday. The first representative asked me a lot of personal questions from did I have a pay decrease, what is making me have financial difficulties, maybe I should cancel one of my bills that I have set up which is XXXX. All of these questions are irrelevant and none of their business. The bank took my money in fees and refuses to give my money back. 

It's not right!!
My complaint is against a company known as " Debt Recovery Solutions , LLC ''. This company is attempting to collect on a debt that has already been paid. When I called to get the information on the account they were extremely rude and misleading. First and foremost, the company did not provide validation of the debt even after I called them on and emailed them on XX/XX/XXXX. I sent them a receipt for the debt that was paid and when I paid it with XXXX XXXX. Secondly, I called XXXX  XXXX XXXX XXXX XXXX Nevada and had them confirm there was absolutely no other debt owed, or sent to collections. XXXX XXXX XXXX XXXX XXXX Nevada mailed me a document with all the account number showing everything has been paid and resolved. I am filing this complain because this needs to be removed from my credit as it is effecting me negatively. Especially in which the way they are reporting the trade line. This medical claim was back from XX/XX/XXXX, they have it reported as being opened on XX/XX/XXXX. Needless to say, this should be removed as I do not owe anything to this company.
The company is Ally Financial. I have my loan since XX/XX/XXXX. I made my 1st payment XX/XX/XXXX. I notice today XX/XX/XXXX when going online to make payment they only showing I paid 12 payments. I have made 16 payment. I do agree I had 3 extension and a due date change however my payment count still should reflect 16 payments. I tried to address this with them and they ( Ally Financial ) said if they correct this would mess my payment up like its my fault. That 4 of my payments went towards finance charge instead of finance, principal, interest which would also advance my payment count on my loan.
Pursuant to new CRA guidelines public records in the form of tax liens should possess the following information DOB and/or SSN. This information is not being accurately reported on my credit report and is therefore out of compliance. I would like for this tax lien dated  XXXX  2016  to be deleted from my file.
CMRE Finance has continued to attempt debt collection on a radiology bill that was paid through my insurance and co-insurance that I held at the time. I no longer have that insurance policy and have made that clear more than once. 
I checked my credit through an online site called XXXX XXXX and now CMRE is attempting to collect XXXX additional debts. I know without a doubt I have nothing in collection. Additionally, I have not received any mail communication regarding these " supposed debts '' from CMRE. The XXXX additional collections showed up last week yet all XXXX have a reported date from XXXX/XXXX/15. If this were the case then why am I just now seeing this show up and why have I received nothing showing where these debts came from? To me this seems fraudulent and I would like answers as to why they arbitrarily added these debts which is now hurting my credit score. You may view my payment history regarding current accounts I have and see that I do pay timely. I should also add that I have contacted CMRE directly via email to determine what is going on and have yet to get a response.
Dear XXXX XXXX, I am reaching out to you in hopes that you will hear my concerns, provide me with some assistance or direct me in the right direction. 

Recently, I completed a pre-qualifying mortgage application XXXX. I used the company 's in-house mortgage broker DHI XXXX, which is a subsidiary XXXX. The amount I requested to finance was in the sum of {$210.00} dollars. After a review of my credit, I was told I did not qualify for any of the FHA Home Advantage Programs, which would provide downpayment assistance, closing costs and credits towards mortgage insurance. I was told by DHI Mortgage that my income debt to ratio was to high, specifically with regards to my student loan debt. 

I have a credit score between XXXX and XXXX depending on the credit reporting agency that is reporting. In 26 years, I have never missed a payment or have had a delinquency reported XXXX. My credit history clearly demonstrates that I am credit worthy individual. 

The following is some background information. When my credit file was reviewed by DHI Mortgage XXXX my student loan payment was reporting {$1200.00} dollars a month, which was totally inaccurate. My payment will NEVER be calculated anywhere close to that amount being a teacher in a public school system. I contacted my loan servicer and the payment was recalculated at {$330.00}, which is 15 percent of maximum amount of discretionary income. The payment will be adjusted again in XXXX 2015 under new provisions to the Health Care and Education Reconciliation Act ( HCERA ). The new adjusted monthly payment will be approximately {$230.00} dollars, which falls under the maximum limit set fourth by HCERA of 10 percent of discretionary income. Furthermore, I am a public servant who is enrolled in the XXXX Loan Forgiveness program. After XXXX qualifying payments my federal student loans will be discharged. Is any of this information factored in? 

None of this makes any sense to me. My current apartment lease cost me {$1600.00} + a month. Now, had I meet the " guidelines '' according to DHI Mortgage my monthly mortgage payment would have been {$1200.00} dollars. This would have included taxes, mortgage insurance and homeowner association fees. 

Something is very wrong here. My goal is to get a better understanding. I am very concerned about how my credit information was evaluated for programs under the Washington State XXXX and the Federal Government. I have included a couple of links below for reference points as well as XXXX attachments. 


https : XXXX : XXXX : //www.forgetstudentloandebt.com/student-loan-relief-programs/federal-student-loan-relief/federal-forgiveness-programs/president-obamas-student-loan-forgiveness-program/I appreciate you taking the time to review my concerns. 


Respectfully, XXXX XXXX XXXX XXXX
Motolease falsely reports accounts as derogatory/in collections for parties that never made a late payment and paid account off in full.

I had leased a motorcycle with Motolease. A year later my motorcycle was totaled by a falling tree. I immediately contacted the agency and made them aware of the situation. I maintained communication with the agency regularly as the insurance companies were working on paying off the remaining balance. A month and a half afterwards, I had received a call being told I was delinquent in my payments. I never made a late payment, the money was extracted directly from my account and the funds were always available. I explained my situation of a totaled motorcycle and how I was waiting on the insurance companies to pay off the balance. Despite how many times I repeatedly explained my situation, I was repeatedly asked why I should be treated any differently than others that can't make their payments. The conversation eventually became so frustrating I had to hang up and call back someone else. Eventually, I did manage to get someone to put my account on hold until the insurance companies could finish processing the claim. I didn't understand how there was any confusion with the account. I had provided Motolease with documentation and questions from the insurance companies from within the first week of the accident. After the insurance companies payed off the balance in full, I noticed that Motolease had reported my account to the credit bureaus as derogatory/in collections, with late payments. I contacted Motolease and had to get a higher level supervisor because I was having problems with other employees that were insisting my account was reported accurately. After speaking with the supervisor, I was told it would be corrected and reported as paid off with no late payments. A month and a half later, it reflected on my credit report as I was told, my account was now in a good status. The following month, just last week, Motolease reported my status back to derogatory/in collections. My experience with MotoleasXXXX has been horrendous, especially if I was to provide more detail. I seriously need someone to get this agency to correct things and quit harassing me.
XXXX XXXX, turn my account over to a collection agency, without notifying me. XXXX tried to collect money that I did not owe. They tried 2 times before, and I went into Assemblyman XXXX XXXX office and it was determined that I did not owe XXXX. XXXX sent the bill to a collection agency and I asked the collection agency to validate the bill and they were unable to validate, and they removed the item from my credit report. XXXX then sold the account to ERC collection using an old old address in the state of Arkansas and I was not notified, until the ERC collection had allowed the time to run out, past the 60 days that I had to dispute the bill. I am asking that these charges be removed from my credit report immediately.