WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.
On XX/XX/2016, I attempted to obtain a free copy of my consumer report by contacting Experian, the credit reporting agency listed, within 60 days of receiving a denial notice. I attempted to get my report via the website listed on my denial notice ( www.experian.com/reportaccess ). After filling out the required information and answering questions, the website indicated that it was unable to honor my request without explanation. I attempted to enter my information a second time, was denied again and was redirected to this site ( https : //www.experian.com/consumer.html ), which advertised in bold XXXX font, " WHAT 'S YOUR FICO ( R ) SCORE? 

FIND OUT NOW WHEN YOU CHECK YOUR CREDIT REPORT FOR {$1.00} Checking your own credit will NOT lower your score Review your credit report for unfamiliar information Toll-free support available 7 days a week Fast and easy " A screen capture of this site is attached. 

I paid {$1.00} to receive my credit report. On XX/XX/XXXX I was billed XXXX I immediately contacted Experian via the phone number on their site upon being billed. I had no notice of the bill, but saw the charge on my account. XXXX representatives and XXXX supervisors all indicated that they did not have the ability to issue refunds and none of the first XXXX indicated I could request a refund via email. The second supervisor gave me the email address XXXX. I emailed this address, explaining what had happened, and was told that I signed up for a trial membership that converted to a recurring monthly membership and since I had failed to cancel within the 7 day trial period, the bill could not be refunded. I was also told that no pro rated refund could be issued. 

I did not intend to sign up for a recurring service. I did not use the service and gained no benefit from it. I promptly asked for cancellation and a refund or a pro-rated refund for the three days during which I had the service that it took me to become aware of the billing me.
I have never had service from XXXX. I do not owe them anything because I did not have service. I also should not have a negative mark for XXXX. I have made three payments to them in attempt to settle the debt. Please dispute these XXXX items against me? Thank you.
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
I have had this Student Loan since 2004, at first it was with XXXX XXXX then it was transferred to Navient. The loan started with a 2 balances one at XXXX and some change, the other at XXXX and some change. I have been paying on these loans since than ... My current balances have sky rocketed to XXXX.. I just learned that the interest is higher than my payments ... so when I make a payment of {$150.00} every month it only goes towards the principle or interests ... My balance will never go down ..the balances are rising. I am single with one job..i am now having problems with physical problems which keep me sick a lot. I just can not afford to pay a higher amount, I contacted Navient to discuss other options but they say they can not help me.. Can someone please help me with this situation ... I have had other companies contact me with other payment options but they turned out to be scams ... it seems like I will never pay this loan off ...
Paypal limited my account with no choice of appeal or fair hearing. Operating in restraint of consumer rights. It was so bad that it destroyed my means of safety, security, and income online. They left me vulnurable to online predators and thieves. I hope you can address the issue quickly and have this dealt with. Im an ID victim and they just dont seem to care at all. The monopolize the market with competent secure media for financial transactions and chose to dictate the terms in the marketplace. Again operating in restraint of trade. I want my account reinstated without hesitation and equal access as a consumer to their product.
I tried to set up an account on creditkarma. I was unable to. Because someone already set up an account. Using my personal info. Please something has to be done.
I was told by XXXX that my employers was changed to XXXX. There are other companies that I never heard of. I have never worked for any other companies other than XXXX XXXX in XX/XX/XXXX. XXXX XXXX in XX/XX/XXXX, XXXX 's XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX TN. I once reported my addresses as XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX TN XXXX. XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX,XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX TN,XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX. XXXX XXXX XXXX XXXX XXXX TN XXXX. The courts used XXXX XXXX XXXX. I filed bankruptcy in XX/XX/XXXX, the case number is XXXX. I notice XXXX XXXX XXXX was due to be removed XX/XX/XXXX. Even though the property at XXXX XXXX XXXX was foreclosed on. And is suppose to remain on your credit report for seven ten years after filing a chapter XXXX bankruptcy. The date was changed to reflect the date of purchase to XX/XX/XXXX. My original loan was with XXXX XXXX XXXX. The loan was transferred on XX/XX/XXXX to XXXX XXXX XXXX XXXX. I have a copy of my credit report when I filed bankruptcy. The address identification number for XXXX XXXX XXXX is XXXX. The last transaction reported to XXXX  was XX/XX/XXXX. XXXX listed all payments made to XXXX XXXX XXXX  XXXX, the date of the payments, the amounts from XX/XX/XXXX-XX/XX/XXXX. The property was sold in XX/XX/XXXX to Tennessee Housing Development Agency. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. The register of deeds Instrument number is XXXX. The property was sold on XX/XX/XXXX in the amount of {$18000.00}. The instrument number in the XXXX County Register office is XXXX.
Douglas Meyer reported an account that was opened in XXXX on my credit. The account is reaged and shouldnt be on my credit. I disputed this with XXXX   3 times and they keep insisting that the information is accurate. They investigated but no feedback was given back to me. I filed a complaint with CFBP and Douglas Chancellor Meyer said he had until XXXX of XXXX to remove it. This has not been done.
To Whom It May Concern : I have previously submitted a dispute on XXXX XXXX 2016 and XXXX XXXX, 2016 requesting that a dispute be initiated for a XXXX account which is reporting incomplete and inaccurate information on my Credit Report. After the dispute process XXXX account was verified and still displays information which is incomplete. 
The following is a list of inaccurate, incomplete information contained in the reporting of 1. XXXX Account was opened on XXXX/XXXX/XXXXhowever there is no payment history prior toXXXX/XXXX. 
2. Balance amount and high credit amount are conflicting XXXX XXXX reporting is incomplete and inaccurate infromation. Enclosed with is dispute is a copy of my driver 's license, a copy of the reporting, documentation of the certified letter
BMO Harris Bank paid part of my tuition while I was working for them. The contract stated that if I leave the company within three years of tuition assistance, I may be responsible for a portion of the balance. I stayed for almost three years and they charged me the entire balance. When I attempted to negotiate, they sent the debt to a collection agency. Now it 's reporting on my credit as an uncollected debt.
Due to a financial hardship when I purchased and had installed a new furnace I requested a loan modification in XXXX XXXX through XXXX ( XXXX ) with IndyMac Mortgage Company. IndyMac requested from me the same documention and information over and over again, with no resolution as of XXXX XXXX. Due to the financial hardship my mortgage was behind by XXXX payments. Upon sending my XXXX payment which was late the payment was returned. The lender was not working with me, would not accept my payments and by XXXX XXXX I received foreclosure documentation to be effective XXXX XXXX, XXXX. One week prior to foreclosure I received a XXXX alternative trial loan modification with IndyMac in XXXX XXXX on an original loan balance of {$72000.00} with a monthly payment of {$700.00}. The trial loan modification required that I paid {$500.00} for XXXX to XXXX and a permanent modification would be granted if I was in full compliance. A full modification was granted in XXXX XXXX with an unpaid principal balance now of {$77000.00}. There was an escrow shortage in the amount of {$1100.00} with the monthly payment of this shortage to be paid over a five-year ( 60 months ) period. This monthly payment has been already included in the monthly escrow payment. Review of OCWEN 's Annual Escrow Account Disclosure Statement Account History now reflects a NewLoan Setup Fee and which there should be no modification fee. This is not a new loan and assignment or transfer of this loan from the previous servicer, IndyMac to Ocwen effective XXXX XXXX, XXXX does not warrant the fee assessed to this loan. My escrow is to be used for taxes and insurance and this servicer by federal lending guidelines are now violating fair lending laws and are exhibiting predatory violations. Communication with OCWEN has been tedious and frustrating because I initially responded in XXXX and their response in XXXX XXXX is as follows. Please be advised that the servicing of the loan was relocated from XXXX Ocwen servicing location to another on XXXX XXXX, XXXX, with a negative escrow balance of {$790.00}. OCWEN caused the negative escrow balance when charged the NewLoan Setup Fee. This is not a new loan and relocation from XXXX Ocwen servicing location to another is an OCWEN charge not a charge to the consumer or customer. This act is predatory and the loan modification clearly states that the escrow shortage on this loan is included in my current payment. Additionally, my mortgage payment changed, in XXXX, it was {$500.00} and in XXXX it went down to {$490.00}. OCWEN 's attempt to assess 18 months later an unauthorized charge to my escrow that only allows for taxes and insurance is a predatory act and blatant violation of Fair Housing, Fair Lending and Mortgage Servicing Laws and is illegal. In summary the prior Loan Servicer, IndyMac Mortgage Services verified that this is a loan transfer effective XXXX/XXXX/XXXX and transfer of the servicing of this loan does not affect any term or condition of the mortgage contract.
received an offer that states 0 % apr for XXXX months then XXXX-19.99 % therafter/offer also states introductory rate on balance transfers applies through the end of the XXXX m, onthly billing cycle after the account is opened for all balance transfers requested within 60 days of account opening. Just opened the account last week called to do a balance transfer and was advised the rate was XXXX and then information that was sent to me was a misprint-that appears to be illegal to me.
I tried to purchase my report online and received error codes that a report could not be furnished. 
Called for customer service and they were also not able to get a report online for me. 
Sent ID documents as requested. 
They orally confirmed my ID was fine. 
Again tried to purchase credit report and did not work. 
Called customer service again and after 8 attempts they were not able to generate a report for me either. 
They had no answer or explanation. 
I was denied credit and then tried to use phone system to get a free report, but I got message that the automated system was down. 
I then attempted to get a free report online and it would not generate a report either. 

So I ca n't buy or get a free copy of my Equifax report and I have been trying for over a month. 

Each time they try to process a payment for a report I ca n't get, it puts a hold on available credit on my credit card and I need that credit available.
Equifax is not releasing my report and score due to a fraud issue. I have called to verbally verify my identity and they stated it should be released which it is still not. This has been an ongoing issue for a while. I was told to go the the EF site and pull the report and I am still unable too. They refused to even mail me a copy.
Chase continues to report delinquencies for Chase account XXXX through XX/XX/XXXX even though the account was forgiven in full with a XXXX and reported as income to the IRS in XX/XX/XXXX, income which I subsequently was required to include with my taxable income on my XX/XX/XXXXtax filing. They correctly report the balance as XXXX, but report delinquent payment history for each month through XX/XX/XXXX. This is not only misleading ( reporting the payment history as delinquent implies a balance is due ) but damages my credit in a way that is preventing me from obtaining necessary financing.
My savings account number was used by an unauthorized person for three transactions. Two transactions on XX/XX/2018 for {$19.00} and {$3700.00} to an unknown XXXX account I reported the very next day to both the bank and XXXX. The one transaction I did not notice was on XX/XX/2018 for {$10.00} also to an unknown XXXX account .The bank and XXXX both recognize these transactions as being fraud charges. The banks claims department sent me two letters back stating because I did not call in on the {$10.00} fraud charge within 60 days they refuse to credit the other two. They seem to think if I did catch that transaction back in XXXX the unknown person would have not been able to get any more funds as they would have closed my account. But yet my account is still open to this day. And who's to say they don't come up with the new account, they some how got this one.
I have been receiving numerous robocalls each day from the number XXXX. I have called this number back previously, and told whoever answered the phone to STOP CALLING ME. 

Today, I called that number again, and got XXXX XXXX on the phone. I told him to stop calling me, that I was on the Do Not Call list, and that we have no business together. 

He said it was n't a sales call, so he had every right to continue calling. So I asked what the purpose of the call was, since we do n't know each other. He said he was given my number as contact information for someone he was searching for. He said a name, which I believe was XXXX. He refused to indicate the nature of his call or the reason for the ongoing harassment. 

I told him nobody by that name was associated with me or my phone number ( any XXXX could XXXX and confirm it ). I then guessed " Debt collector! '' and he refused to respond. 

I then asked for all his contact information. This is the info he gave : company name XXXX, mailing address XXXX XXXX XXXX XXXX, CA XXXX XXXX I am *assuming* the above information is correct, but have no way to verify it. He could be a total lying scammer pretending to be from XXXX ( which is, as it turns out, a debt collection company! ). Or, he could just be a XXXX employee doing lazy, sloppy work. 

I am sick of being harassed about a debt that is n't mine.
XXXX XXXX Card Service # XXXX XX/XX/XXXX XXXX reported the account as Charged Off and reported to the account C/O on XX/XX/XXXX.
XX/XX/XXXX XXXX sold the debit to XXXX XXXX XXXX that clearly sated in their letter to no longer communicate with XXXX. 
XXXX continued to report the account as C/O thru XX/XX/XXXX. 
XXXX no longer sent any form of communication. They never once confirmed or attempted to collect the debit because they had sold it off to the credit collectors. 
XXXX claims that they did not sell of my debit. This is false as they willing supplied information to the debit collectors. 
XXXX falsely reported to the credit reporting agencies that I still had a debit and that I was still in charge off status. 
XXXX at their own admission clams that they reported this debit but that there was no way for me to pay the debit and stop the charge off reporting. 
XXXX continued to report to the credit agencies that their was a balance due even though they no longer held the debit. The debit was sold numerous times over the course of the next four years. 
I have contact and reported this to XXXX numerous times with no logical resolve. 
This reporting has destroyed my credit and has preventing me from moving forward in life. My report to this day appears as if I charged off the account on XX/XX/XXXX when in fact the account was charged off on XX/XX/XXXX.
I have been submitting complaints since XX/XX/XXXX. Wells fargo is well aware that the vehicle I have is part of a massive XXXX Airbag recall. My vehicle has a double recall and has had that since XX/XX/XXXX. The last response from wells fargo said to file for a hardship refi and that the parts were available. We contacted the same person at the local XXXX dealer, XXXX, as was told the parts are not available and they did not know when they would be available. Furthermore, they are not completely replacing the airbags, they are only changing the inflator. The vehicle is on non-op and is a threat to safety and is deadly. All of this information has already been sent. Wells Fargo says that we have a loan with the which in fact we do not. We have a retail sales installment contract with the dealer. When wells fargo purchased this contract they changed the original terms which we did not agree to. A letter was received from wells fargo to the fact that they denied the original contract and changed the terms. Wells fargo has refused to help in any way since my initial complaint in XX/XX/XXXX. I just called the office of the president and was told they couldn't help and was transferred to someone named XXXX, and of course got a voicemail. I will not apply for a hardship because this is not the case. THE CAR IS DEFECTIVE AND DEADLY, IT IS ON NON OP, THERE IS NO FIX FOR THE AIRBAGS, WE DO NOT HAVE A CONTRACT OR LOAN WITH WELLS FARGO, I WILL NOT PAY FOR THIS CAR BECAUSE IT IS DEFECTIVE. WELLS FARGO CUSTOMER SERVICE, OFFICE OF THE PRESIDENT AND COLLECTIONS DEPARTMENT IS A JOKE. THEY THINK THIS IS FUNNY AND DONT CARE ABOUT ANYTHING BUT TAKING PEOPLES MONEY AND XXXX THEM OVER. HOW ANY TIMES DO I HAVE TO COMPLAIN TO GET SOMEONE WITH SOME AUTHORITY TO GET ON WELLS FARGO ALREADY?
1 ) Lender refused to send me a copy of the original promissory note of the mortgage loan. 
2 ) Lender refuse to produce a complete chain of assignment of the loan. 
3 ) Lender refuse to produce original loan documents for inspection4 ) Lender refuse to verify that they are the holder of the promissory note as well as holder of the mortgage.
XXXX 2016 I had a fraudulent charge of more than {$2500.00} from a ticket vender.I didnt make or authorize the charge.I reported the charge to Citibank Brooks Brothers in XXXX XXXX a few months I was refunded the charge, but it keeps showing back up on my statement.I have been wasting many hours on phone with Citibank customer service for over one year, still have not resolved problem
According to equifaxsecurity2017.com, both my wife and I were part of the recent Equifax data breach. In exchange for lax security that led to release of our SSNs, DOBs, full addresses, and? driver 's license numbers, Equifax is offering ONLY free credit monitoring that will notify us AFTER someone has improperly used our data. Equifax offers nothing to PREVENT improper use of our data from occurring. 

Despite Equifax ' negligence with out private data, we must STILL pay {$10.00} to each of the 3 major credit bureaus to proactively freeze our credit reports to avoid fraud. We must then pay {$10.00} to each agency whenever we want to temporarily thaw our report.
XXXX XX/XX/XXXXXXXX sent my account ( XXXX ) to A.R.M. Solutions, Inc. I received a notice from this collections agency on XX/XX/2018. My bank, XXXX mailed check # XXXX in the amount of {$63.00} to XXXX XXXX XXXX XXXX on XX/XX/2018. 
I spoke with 3 separate XXXX XXXX  representatives. One confirmed that they received XXXX check # XXXX in the amount of {$63.00} on XX/XX/XXXX. Two separate occasions I was assured by XXXX XXXX   XXXX that the account was fine and there had been a credit of {$63.00}. 
During this process, I received ANOTHER collections notice from A.R.M Solutions , Inc. dated XX/XX/2018 that read : '' Despite OUR CLIENT 'S ( XXXX XXXX XXXX ) efforts regarding the above mentioned account, this matter remains unresolved. We are requesting you make full payment. '' The payment of {$63.00} has been made and credited to the XXXX XXXX XXXX, however, A.R.M. Solutions Inc. is STILL requesting payment after having been contacted by their client XXXX XXXX. Why would they still need a payment having full knowledge from their client that it is no longer required?
BK discharge of 2014 should have removed all items discharged. My mortgage and XXXX odd credit cards are still showing on my report
XXXX XXXX - CALLS REPEATEDLY ALL THROUGH THE DAY ( ROBO CALLER ) RECORDED MESSAGES AT TIMES OTHER TIMES NO MESSAGES IS LEFTS ON MY PHONE JUST A PHONE CALL. 

XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX   XXXX XXXX ( ROBO CALLER ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX