WillisBack/dataset-financial-user-claim huggingface dataset:
After filing a dispute yesterday against XXXXXXXX XXXX XXXX, my report today now has a delinquent report that was just opened from the company portfolio recovery A who XXXX sold the debt to. This is now being shown as a derogatory mark twice on my credit report. This account should not be reported twice! I initially pleaded with XXXX   to help me with interest decreases to make payments. I was in severe financial distress due to medical issues and bills. They would not work with me. The account was charged off and sent to this outside collections agency. This agency harassed me for years with upwards of 8 calls a day at times before XXXX and after XXXX. They finally stopped several months ago and the account was only showing once on my credit report as a closed charged off account from XXXX. Now it is being displayed twice, once as a charged off closed account from XXXX  and another as an open account under collections from portfolio recovery A.
XXXX   XXXX  requested my score from  XXXX  bureaus. The reporting agency was  XXXX .    XXXX   XXXX  Experian  XXXX  Experian  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  reported a  XXXX  Score of  XXXX  I pay Experian for my monthly score, they reported  XXXX    XXXX   XXXX   XXXX   XXXX  reported  XXXX  Why is it that when I request a loan, the scores are significantly lower than the scores that are made available to me otherwise?
I have submitted information to Equifax several times regarding an inaccurate account on my credit profile. XXXX ( XXXX XXXX ). I have submitted request to validate on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information from the ORIGINAL CREDITOR, they must remove the said information from the consumer credit file. '' I have made several attempts to Equifax regarding this matter and they respond by verified. I have asked for clarification on how its " VERIFIED '' and how it can be verified when this account is not mine, nor could they send me any clarification on whom, what department they spoke with reagrding this matter. Please help me get this resolved with Equifax.
I use paypal for several years and reciently was given an option to make " paypal '' credit my default payment option. When I did this, about a week later I got a call from my bank saying I was over drawn upward of XXXX+ $! This was overdraft and nsf fees included. I called paypal and was basically told that I should have known I could n't use paypal credit as my XXXX funding source and they refused to fix the issue. I called my bank and they say said unless paypal admitted fault they couldnt refund the fees. I went back and fourth for almost 2 weeks and by this time my bank account was nearly XXXX dollars in the negative! I spoke to a manager at pay pal again and he basically told me in no uncertain terms that it was not his problem that I was n idiot and did n't know how to read fine print. I took a screen shot of the page where I checked the box asking if I wanted my ppcredit or my bank to be my XXXX source of funding, and nowhere on that page, in any fine print does it say that my bank would remain my XXXX funding source. Now I have payed my bank back out of my own pocked ( technically paid for services XXXX ) and now paypal is demanding I pay them over XXXX dollars because my bank requested back the money taken out, which they have yet to return. I truly feel this huge corporation which I used to be completely fond of and found extremely convenient has gotten too big for their britches and has gone from a caring consumer driven company to an unethical money hungry company who could care less if they lose one little peon like me. 

Saddened and still in the Negative, XXXX
PNC has not properly credited my payments. I am getting threatening calls. They said I am two months behind but never specified the dates. I then opened a complaint with the CFPB and they returned credited two payments to us. One after 93 days! My previous complaint number is XXXX
CREDIT ACCEPTANCE CORPOR XXXX XXXX XXXX CREDIT DISPUTE DEPT XXXX, MI XXXX The above referenced company does not provide any type of verification of account history, payments etc. I have made my payments that apparently, a few were not applied accordingly causing an issue. Without receiving any type of monthly statement or access to online account I was not aware of an issue until I called in for verification. This account is set up on biweekly payments but because of the initial issue, it is continuously running behind. This is only adding late fees and additional interest I should not be responsible to pay. I have no idea of what my balance is or when my payments post. I contacted this company to get assistance on updating the account and was told there was nothing they could do until I pay the past due amount. I make my full payment every month. This is outrageous that they can bill me for late fees and additional interest without providing me access to see the activity on my own account. They are reporting this account as constantly delinquent.
This is the XXXX time I have tried to get U.S. Bank to clear up my credit report for my mortgage with them, I will attach my credit report from XX/XX/XXXX and XX/XX/XXXX, along with my last compliant, U.S. Bank was reporting on my credit report for 99 months, that is from the time I purchase my home XX/XX/XXXX to the present and with that it was showing that I was past due 13 times for 30 days and two times late 60 days but there was no dates for when the late payments happened. I have been trying to refinances my home since XXXX and was told by XXXX XXXX XXXX XXXX and XXXX XXXX Bank that they were reporting my home loan wrong and bringing down my credit rating. It has been more than 10 years since I have been late on my home loan. After make the compliant with you I received a letter from U.S. Bank that they had fixed the problem and are only reporting the last three years of payments on my house and it shows no late payments but it would take 30 days to show. I waited the 30 days and went back to the XXXX XXXX and they pulled my credit again and U. S. Bank does not show on my credit at all? My husband and the XXXX XXXX did a conference call with U.S. Bank to find out why it was no longer showing on the credit report and the person told them that I asked them to take it off? This sounds crazy if I ever have a bad loan that will affect my credit I can just ask them to take it off my credit report? I need my home loan to show on my credit reports so I can get my home refinanced. I fill like U.S. Bank is playing games with me and if rates go up before I can get this cleared up I fill they should be responsible. All I need US Bank to do is report my home loan correctly on my credit report, this should not be hard for them to do.
It has been extremely difficult getting XXXX to remove an inquiries from my credit report that I did not make. It all started in XXXX XXXX when I got an alert through Equifax regarding " my application for a XXXX  card '' and that the card had been approved. I immediately called XXXX the next day being that when I got the alert it was after business hours ( if I remember correctly ). Anyway when I called XXXX I was pretty XXXX because they asked me for information I was uncomfortable disclosing since I had not applied for their card in order to cancel the approved card. I gave them what they were asking for such as birthday, last 4 digits or whole social security number, first and last name, address and email I think. Anyway I told them aggressively I did not request this card and I did not want it and to cancel it. I told them not to send it. I asked them how did they get my in formation to approve me for a card. Well before that they tried to sell me an identity protection product which really made me mad because I felt that there was some scam going on within the company where either someone was trying to up sales on this identity protection product or getting approved cards in peoples names for some scandalous purpose. Then I asked the question I mentioned before the previous sentence. Anyway they claimed the transaction was made through XXXX Well I had n't applied for credit through XXXX either. So after I got through talking to them and them cancelling the card and told me they would remove the inquiry from my credit I called XXXX. I asked XXXX if they had a record of my applying for credit around this time ( Oh by the way I also notice another XXXX XXXX inquiry on my credit in XXXX XXXX at this time also XXXX. XXXX affirmed they had no record of my applying for credit in XXXX or XXXX of XXXX and I know I did n't because throughout the year I was too busy being my XXXX younger sister 's secondary caretaker. Anyway I said that because I 'm XXXX  that I have to deal with this in the midst of grief. I contacted XXXX in early XXXX about the inquiries again because they were still on there. They assured me they would have them removed both from XXXX and XXXX and had sent me a letter stating they would have them masked. Fast forward I had contacted them again I think around XXXX of XXXX because they were still on the XXXX and Equifax  reports. Equifax it was showing up as XXXX as a XXXX inquiry, and As an XXXX inquiry XXXX on XXXX. I never paid much attention to the XXXX alert because of my sisters illness but by the time the second alert came for the XXXX inquiry she XXXX  XXXX. XXXX was one of the most stressful painful times in my life and I had mentioned that to them on more than one occasion and yet today these inquiries are still on my Equifax and XXXX XXXX reports impacting them negatively of which I DID NOT MAKE, after I was told on more than one occasion they would be removed and sent 2 separate letters months apart telling me they would be masked. Well I did n't get the masking thing either when I did n't authorize them to make the inquiry anyway.
Nelnet claims that I " missed '' payments but can not tell me when I missed those payments. The consequence of missing a payment is that I have been removed from an incentive program for a 0.8 % interest rate reduction. I have been alleged to be delinquent. However, I have been on an IBR for years. I called Nelnet multiple times to get evidence of when I missed a payment. Nelnet officials repeat the line that I became ineligible for the incentive program due to missed payments. But they can not find the specific information of when or what payment I missed. I am worried when a loan provider uses the word " missed '' which has negative connotations in the credit industry. I am also worried that I have been wrongly removed from an incentive program. I have not missed any payments.
TD blocks my access to make purchases using my debit cards. They close them out whenever they feel. This would be the 5th time within 6 months. Another situation TD refuses to investigate a Regulation E application in the amount of XXXX. They have compromised my safety and integrity. I totally been humiliated over time, my concerns unmet, and suffered too many bankedforced shut down and assess to my funds.
XXXX XXXX, 2017 opened checking acct by depositing my pension check, tried to get cash for bill paying, including making my mortgage payment in a timely manner by check ( as per usual ). the new vice president/manager XXXX XXXX refused to allow me to follow this regular type of procedure i have used month after month with any other bank. the bank i am complaining about is mufg union bank at XXXX XXXX XXXX XXXX calif. XXXX XXXX refused to allow me to make my own mortgage pmt, insisted she wanted to make the payment herself and that she wanted me to provide her with a copy of my mortgage bill. I stated that although i could provide that, it still is my role to pay my own mortgage. I have not provided her with a copy. I learned later in the week from one of the tellers that XXXX XXXX did not deposit my pension check in the usual manner, but instead sent my pension check back to my pension department : " XXXX  XXXX XXXX XXXX XXXX. 'XXXX XXXX complained to XXXX that an appropriate approving signature was not present on my pension check, wherein the party taking the call ( i could not ascertain who that party was ) informed XXXX that if she would look on the other side of the check, she would find that very easily. this held up my receiving any monies from my acct for about one week, and i was therefore 'broke. '' XXXX XXXX did not discuss or allude to any teller providing me with any cash until over one week following the opening of my account. she did not discuss if there would be any fees if i left this bank prior to 30 days ; however, i am very concerned that she would charge me a substantial fee to exit. i overheard a bank employee state that she charged me {$5.00} dollars to deposit my pension check. XXXX XXXX has never responded at any time to any of my clarifying telephone calls to her.
Received at my home address a collection notice addressed to somebody who does not live here. It was addressed to one XXXX XXXX, but no such person lives here. Worried this dishonest debt collector might next try to attach negative information to my credit report of my son 's credit report.
The aforementioned credit agency representing United States  XXXX   XXXX   XXXX  has violated the FCRA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. If Immediate Credit Recovery  Inc  does not have any documentation, they need to remove this from my credit file immediately.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Midland Funding LLC is reporting a due balance of {$8000.00} under the account number XXXX in my credit report which should not be in my credit report because the date of default or the last date of any activities with me is more than 7 years old. The card was with XXXX and last activity with me is in early XX/XX/XXXX and subsequently defaulted. XXXX was sold to XXXX bank in early XX/XX/XXXX. In XX/XX/XXXX, XXXX sold the account to Midland LLC.
I am writing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed.
MIDLAND XXXX is actively pursuing this a debt in violation of the FDCPA ( while an investigation is in progress ). This account is showing as derogatory information on my credit reports. Moreover, the date the account was opened has been re-aged ( XX/XX/2016) ; there is also a discrepancy in the amount ( {$840.00} ). Finally, Midland XXXX is fraudulently misrepresenting themselves to be the " assignee '' of XXXX BANK, when in fact they are just debt buyers.
I have been trying to work out a deal with my bank to sell my house as a short sale. I hired XXXX XXXX with XXXX XXXX to help me with this. XXXX XXXX and XXXX XXXX from his team collected all the paperwork and submitted everything to the bank in the beginning of XXXX. XXXX was calling everyday and being told they could not speak to her because they had n't looked at the paperwork. They finally looked at the paperwork almost 20 days later. Now they are saying they will not accept it and that it is too close to the foreclosure date for me to do anything. I already have a signed contract of someone willing to buy my home.
Bay Equity ( the mortgage broker ) stalled on the closing date long enough that the interest rate increased by .625 % and we were not able to go to another lender to get the promised interest rate. They told us that the stalling was because the underwriter needed a tax transcript rather than a color copy of the submitted tax return. In the end, they went with a different underwriter completely, so should have been able to do this at the outset. The total amount of interest we are now liable for is over {$20000.00} more than what we would have been liable for had we closed on time. After signing the documentation at closing, we were given a closing disclosure that was again incorrect and the processor refused to give me a straight answer about what numbers were actual. I have repeatedly asked questions to have them answered incompletely or not at all.
On XX/XX/2019 The state of Pennsylvania deposited my state refund in the amount of XXXX..I had not touch this money..On XX/XX/2019. I was on my way to get blood work and I started to receive text alerts telling me someone was withdrawing money from my account in a different state.I instantly checked my purse and I had my debit card on me so I called Netspend and notified them.The lady I talked to lock the account and Informed me they stole {$910.00} she advised me to go get a new card so she can transfer the remaining XXXX to the new card which I did and because I had a XXXX block on the account she could not do it so she advised me to go to the ATM machine And with drawl the money which it would not let me do either because the account was locked and it was over the daily limit so she hung up on me.I called back and spoke to another lady who unlock the account and let me retrieve my money she also ordered me a new card and charged me {$25.00} and while she was on the phone she disputed all five transactions. I asked for the address where this was happening at and it was five hours away so I googled the address and it came back to a XXXX store which I called and the gentleman was very nice and said he would review the cameras and call me back .The gentleman called me back about 30 minutes later and said he reviewed the tapes within that hour and no one use that ATM in that store as I was still on the phone with Netspend I advise them what he said and they had no explanation how someone could withdraw my money without my card .. at first they told me the investigation would take 10 days and to submit documents online which I did now theyre telling me 45 days all I want is my money back So I can close this account and take my business elsewhere..I feel defeated because this company does not offer no help and I do not know where to turn..I have contacted the XXXX XXXX XXXX As well as the federal trade commission
While reviewing my free annual credit reports from XXXX, XXXX, and XXXX, I noticed an open account with Lending Club from XX/XX/2018 that I never applied for or requested with a limit of {$8000.00} that have not been used. I am not sure if this is an error or a fraudulent transaction, but I also noted there were hard and soft inquiries from the same company on the day the account was opened, XX/XX/XXXX of 2018. The information listed on the XXXX  credit report is " XXXX/LENDING CLUB '' and account number " XXXX. '' I have no other information regarding this account because I have never received anything in the mail to my physical address or through my email.
I have a mortgage through Wells Fargo VA loan and it is currently in a suspended foreclosure status right now. I missed a couple of payments but immediately contacted them to explain the situation and look for help. I was assigned a " specialist '' who literally did n't help us resolve anything. I eventually contacted the company customer service and worked with just about anyone willing to help me to learn what documents I needed to send it to get the process moving along. All in all- I am on the XXXX specialist. I ca n't send in any payments. I get a run around at every turn. The debt just keeps growing. I have been TRYING to work with them since day 1. Contacting them, sending in documents, taking phone calls ... .than being given a new specialist all over again. I am currently XXXX payments behind. Unable to send in new payments. And fighting to keep my home, but I do n't know our rights. Our current specialist will not give me any information of someone above him to work with us PLEASE HELP!
9 inquiry on my credit report that do not belong to me Fraudulent inquiry XXXX XXXX XXXX from XXXX XXXX ( Not mine ) XXXX XXXX XXXX XXXX ( Not mines ) XXXX XXXX XXXX XXXX ( Not mine ) XXXX XXXX XXXX ( Not mine ) XXXX XXXX XXXX XXXX ( Not mine ) XXXX XXXX XXXX XXXX ( Not mine ) XXXX XXXX XXXX XXXX Not mine Here is a list of items on my credit report that I didnt apply for that is fraudulent information on my credit report identity is being use by someone to pull my credit that I didnt authorize I have call the company and send in letters to get item removed off my credit and still these item are hurting my self and credit I have hired a lawyer to get this issue resolved and made a police report bc the company is taking there time to resolving this issue I will have to take it to the next step if I dont get these item off my credit
Open collection with ( I C SYSTEM ) a balance debts that is not mine. ( XXXX XXXX XXXX XXXX Never had a credit account with this creditor.
I believe  Caliber Home Loans an d its agent   XXXX   have acted in violation of the  Right to Privacy Actor of 1974 in its a ttempt to access details about my retirement fund that they could potentially use in my recent loan modification application. In a letter sent to my retirement fund dated    XX/XX/XXXX    , Caliber Home Loans Qu ality Control Program/ XXXX  stated that they were conducting a " random audit '' and requested that information about my retirement fund be verified. The timing of this audit is highly suspicious, as it coincides with my loan modification application that is currently in process and under review. The suspicious nature of their conduct is compounded by the obvious errors and omissions in the documents they sent to my retirement fund. Namely, the consent form Caliber/ XXXX  attached to their request was dated    XX/XX/XXXX   , the date when I first purchased my home. In a letter to  Caliber Home Loan s dated    XX/XX/XXXX   , my retirement fund denied their request and advised them that the authorization form was outdated, and they had not provided my social security number or retirement fund account number on their request. I believe that the above mentioned actions on the part of  Caliber Home Loans  and its agent  XXXX  were an illegal attempt to gain personal information protected under law and moreover, that their ac tions may b e an unlawful attempt to gain additional information about my finances that could be factored into their decision regarding my loan modification.