WillisBack/dataset-financial-user-claim huggingface dataset:
Experian is running TV commercials advising that they will run a free " report '' of my " information '' being on the dark web. Knowing they are providing free services for credit monitoring for a year because they compromised my information, I went in and provided my email address. After the report ran, they requested my credit card information for continued dark web service. This is deceptive. They are using the data breach and free offer of credit reporting to try to sell this product but they advertise it is free until after you provide your personal information. This is WRONG and the government should not allow them to do this. It 's predatory and deceptive. They have already done enough damage to peoples lives and now they 're trying to take their money. The CFPB needs to regulate these companies just as much, if not more, than they do the financial and other industries. What they are doing is criminal!
I lived in this apartment complex from XX/XX/XXXX to XX/XX/XXXX, the cable, water sewer consumption and trash was included in the rent monthly. Tenants were not allow to separate the utility from rent, all utility were included in the rent total. I do not owe the cable company any money and the cable bill was not in my name. Please remove from all the credit reports.
When i was XXXX  and first enrolled into college, i was under the impression that most of these loans were grants and i would not have to pay them back. It was never explained to me how interest would come into play with the loans down the road. I  currently work full time but i can not afford to pay what they want for a monthly payment, and i have 5 loans that their expecting a monthly payment for. I had them deferred for a while but im not sure how much longer im able to do that for. If i was to pay what they calculate for each monthly payment, my daughter and i would be homeless because there's no way i'd be able to keep a roof over our heads.
I reported an inaccurate debt collection for investigation to XXXX on XX/XX/XXXX and on XX/XX/XXXX they verified it as accurate. This debt was already paid to the original creditor prior to the reporting date of XX/XX/XXXX by the collection agency. The collection agency has not provided any proof that a debt is still owed. I have a receipt from the original creditor to substantiate my position as well.
Nationstar Mortgage is the property owner through sheriff sale of the home that shares a driveway with mine. They have allowed squatters to destroy parts of this home, as well as create a serious safety issue as their property has a swimming g pool and the fence that is required by law has been torn down. There is raw sewage in the basement and the squatter is threatening to burn the house down along with the garage which is XXXX feet from my home. My home owners insurance is threatening to cancel me as someone could drown in the pool because it does n't have the required XXXX foot fence. I have contacted Nationsrat to no avail and have requested many times for them as the owner of the property to fix this issue and they refuse to do anything!
I was never contacted by Wakefield And Associates not even when the supposed debt was transferred to them. I did not receive any written notification via mail from debtor or the collection agency. If either one had contacted me within the 1 year period after supposed date of service than I would of had the chance to submit the debt to the insurance company for payment. Since gaining knowledge of the alleged amount that I owe I have tried diligently to contact not only the debtor but also the collection agency to not only verify the debt but also to find out why it was not submitted to my insurance company or why I wasn't notified. The agent asked me for my insurance which I provided but my insurance company declined the supposed debt because it was past the 1 year mark. Now that Wakefield And Associates have taken over this debt they have not verified its authenticity and are CHARGING ME INTEREST to the tune of {$400.00} more than the debt is. I would assume that is why they have not contacted me during the time of which I could have had my insurance company investigate further the validity of the debt. I want this debt removed from credit report until the creditor/Medical company can prove the debt is valid and provide me with the documentation from where it came from.
There are negative items listed on my credit report that are false. I do not owe these companies ( XXXX/XXXX, XXXX XXXX XXXX XXXX ) any money. I want the negative items removed immediately. I have disputed this information with Equifax several times, and they have not removed the false information. They also would not let place a statement on my credit report refuting these lies. Why are credit reporting agencies allowed to lie, and I have no recourse against them?
I had been approved by Welles Fargo bank mortgage company through the Builder last year to be placed on the list to purchase a home. I did sign contract with the builder on XXXX, 2015. Welles Fargo did recheck my credit report. I did lock my rate ( XXXX for 30 years based on my credit score of XXXX ) with Welles Fargo on XX/XX/XXXX for a move in date on XX/XX/XXXX. I did also provide my Credit card For appraisal which was done. Suddenly Welles Fargo did change their mind and do n't wants to fund the loan based on what they claim a negative point on my credit dated back to XXXX by doing so I lost my good rate since interest rate has been on the rise and I am on the risk to not purchase the home.I contacted other lender who are welling to loan the home but the rate has raised since Welles Fargo changed their decision on the last minutes
I contacted XXXX XXXX to request proof of validation regarding to account # XXXX. The furnisher was unable to locate anything related to the account due to the fact that it was never late. According to them, XXXX XXXX could not find any validations or information on their files pertaining to this account. I do n't quite understand why the bureaus continue to verify these late payments, when in fact they were never validated by the original creditor. According to section XXXX of the FCRA, the CRA 's are required to remove this account from my credit report due to the fact that it 's not accurately reported. In addition, pursuant to regulation Z, TILA, and the Credit Billing Act, set forth CRA is required to cease and decease all negative reporting including the late payments. In accordance with section 611 of the FCRA, all of the parties involved are required to comply accordingly.
This is about Veterans United home loans.     These guys are shady, this is the  only avenue in which i can voice my complaint as they delete all negative reviews and  complaints about them from their website.     I am a  XXXX   year old  old  XXXX  veteran, i am   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , I am attempting to get a VA  home loan s o i can break the cycle of homelessness i deal with periodically due to the fact my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .     I qualify, i passed all pre qualification requirements, however they require you to list a next of kin on your application, not as a co-signer or anything, they just want a next of kin.     Well, seeing as how i am   XXXX   XXXX    XXXX  due to  XXXX  alone, I am unable to contact people that first have no business knowing that i am getting a home loan, and second i have n't spoken to in years due to my illness.      If Veterans United were really there for the veterans as all their advertisement states, then they would  understand that some of us deal with issues that we can not simply get over because you want us too, in addition they try to make you as the client to believe that the VA loan itself requires this information, and they can do nothing about the mean ol ' VA 's rules.     Well this is an outright falsification, they require it, and are downright rude and disrespectful when dealing with veterans, i was told if i can not simply get over my illness and require the information the VA states i must have, then i am just wasting their time.     I have no other recourse to make this complaint, they company will not allow you to complain, and simply delete any inquiry on their forums that they think may turn into a complaint, so i just want to get the word out is all, The  XXXX  Veterans in the world are treated like  XXXX  enough as it is, we do n't need to be the target of a company that uses unfair business practices.
On XXXX - XXXX 2017 at approximately XXXX XXXX I applied for a PNC visa credit card on line at XXXX. the web site does not show the fees until after I hit enter. When is saw that balance transfers included a 3 % fee I had no way to cancel the application. I immediately called the XXXX service number and explained that I did not want the card and that 's wanted the application canceled. They could not find the application of there system and told me to call XXXX and customer service would help me. iCustomer spoke to service representative XXXX XXXX and was told that the application could not be cancelled at this time. She said I had to wait for it to be processed and that I needed to call back to XXXX in a few days and cancel the card at that time. I agreed to do that but stated that I did not want the card to be reported to the credit bureaus. She said that I would have to go to each credit bureau and separately report that the card was closed to each. I do not want this card reported as I never intended to accept it as soon as I saw the transferr fees. It should be hard to stop the information from going to the credit bureaus or for the card company to correct their credit reporting. However it seems thwt the company is going to report it even though I contacted them in less the 15 after my submission and said I did not want and would not accept the card. Thank you for any help.
Husband received XXXX and had to move. Contacted XXXX ( originator of loan ) and was told that mortgage qualified for XXXX short sale and I needed to work with PHH who now owned my loan. PHH loan specialist mislead ( in writing ) that our first and second mortgage was covered in closing documents and that this was a XXXX short sale. The closing documents also misrepresented this fact. A few months after closing, XXXX creditors came at me stating loan was not included for which I continued to pay on for over 2 years. PHH put in writing that this was indeed 'all included ' only to retract after the fact. Now after almost 5 years, we applied for a mortgage loan and was told that it was not a HAFA but a regular short sale and that we do not meet the criteria. All communication to date has stated otherwise. This has been extremely XXXX and frustrating. And to top this off - the Title Company now wants the money from the 2nd mortgage payoff.
My XXXX XXXX XXXX was stolen and the insurance company paid the claim. After the insurance paid the claim I was still left with a balance. In XXXX I made a settlement and upon payment this debt was to be removed from my credit report. This is causing me not to be able to get a vehicle.
I have a loan with Navient for my privet school loans. On my credit report it states I am negative. And I am not. I have spoken to them to update it and they have n't. I am having a lot!!!!! Of issues with them. They have not updated anything payment wise! And they keep sending me bills saying I owe and is past due of XXXX {$.00} I have spoken to 3 different people. And they said they have updated my account. But never did!! Ugh!!!
I am disputing the results of the Wells Fargo internal investigation pertaining to my claims of Mortgage Fraud and several other illegal tactics used by XXXX XXXX. It is yet another example of following the same pattern of fraud and deceptive lending practices in which Wells Fargo has claimed no longer exist.
I am looking to start a new job and I buying a car this month I noticed that my infomation was not accurate of my credit report. I would like to update my file. My Name is XXXX XXXX XXXX Please delete/remove any other version of my name.The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is more than one XXXX XXXX in my area and I dont want my information confused with his information.
XX/XX/XXXX I worked with a Bank of America Rep to setup auto-pay on my credit card account.

XX/XX/XXXX I was told my auto-pay payment was active.

XX/XX/XXXX I received Billing Statement stating that the auto-pay was active.

XX/XX/XXXX I received credit alert that I had deliquent account.

XX/XX/XXXX Bank Of America Rep says auto-pay was pending, will be active next bill cycle.

XX/XX/XXXX & XX/XX/XXXX I am refunded for late payment and interest fees associated with the error from the auto-pay setup.

XX/XX/XXXX My account closes the year with no fees or interest charges. 

Bank of America removed the fees associated with the auto-payment error but has not removed the 30 days late from credit reports.
Back in XX/XX/XXXX, my bank account was levied by Pressler and Pressler which now the name changed to another law firm. They apparently took the money owed to them which totaled to about {$210.00} and change. On top of this charge, {$150.00} was taken from my bank account which over drafted my account. The point is this, I paid these people off numerous times and they keep coming after me for more and more money. They have threatened me, threaten to sue me, and put me in jail. The last part was that when they levied my account the debt was settle. Now, I took a glance at my credit report and as of today XX/XX/XXXX, they are recharging me again with {$170.00}.
Check n ' Go online continued to debit my account XXXX pay periods in a row after my loan was paid off totaling {$630.00}. I have been contacting customer service for the past month ( XXXX times in total ) inquiring about my money. The representatives continually tell me that the check was mailed out to me on the XXXX of XXXX and it should take XXXX business days. As it currently stands XXXX XXXX XXXX 2015 XXXX, it has been a month since this apparent check has been sent out. I have confirmed my address multiple times with the representatives and the only answer I receive is " I do n't know where the check is. '' Additionally, they claim to have put in expedited requested to the accounts payable department, but do n't get a response. If I take a loan out I can get my money in XXXX hours, but when it comes to money that is owed to me it takes over a month. This is very poor business practice. I have requested multiple times to have someone contact me and please provide an explanation as to the status of my refund, but still nothing. Since they XXXX took additional funds out of my account it has been nearly XXXX months and they have yet to refund a XXXX dollar or make any effort to even though they admit to owing me the money.
I am required to carry flood insurance on my property and when I received my renewal notice recently, the premium had gone up dramatically and it stated that I could increase my deductible up to {$10000.00} if my mortgage holder was in agreement with that. I called Bank of America and they said there was no problem with a high deductible but would not send a letter to XXXX to verify this. I went through my insurance agent and he also spoke with BofA with the same results. He actually spoke to XXXX different people and XXXX said they would not send a letter out to XXXX allowing a deductible increase. The increased deductible would drastically decrease my premium, which is what I want. I am requesting that a letter be sent to XXXX from BofA on my behalf.
The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and not mine : XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, and XXXX XXXX, XX/XX/2018.
Hello, My situation is as follows : On   XXXX    , I checked my savings account to find that the balance was {$0.00}, and that all the money had been withdrawn. Upon calling the bank, I was told that my account was closed for too many transfers between my savings and checking account. I was told that  3  letters had been sent to me warning me that this would happen. I never received those letters. I was also told that a check would be sent to me by  XXXX  in the amount of {$4600.00}, which was the amount in the account. I told the agent that I could not wait that long because I need to use money in that account and I 'd prefer that a stop payment be put on the check, and to have the money transferred into my checking account or I 'd like to be able to be given the money at a local branch. I was told that that could n't happen. At that point I asked to speak to a supervisor. A supervisor eventually got on the line and said that what I was requesting could n't be done by customer service and that I should be able to get help at a local branch. On  X/14,  I went into a local branch and was told that they could n't put a stop payment on that check because they did n't even have a check number, and that I would probably receive the check by  XXXX .  XXXX  and  XXXX  passed and I did n't receive anything so I called customer service again on  XXXX . I spoke to an agent who said that I should receive the check by   XXXX   and the the other methods I was requesting could n't be done. I requested to speak to a supervisor. The supervisor and I spoke for a while and she said that she would put in a request for the stop payment and for the money to be transferred to my checking account. She said that I should receive the money in my checking account by Monday which was  X/24.   XXXX  passed and I did n't receive anything and I waited to see if the check would come on  XXXX . It did n't come. I called customer service again and asked to speak to a supervisor. A supervisor eventually came on the line and told me that the request for the stop payment and fund transfer to my checking account was denied by the back office. She said that she was going to put in another request further explaining the situation and that she would call me back in  24-48 hrs . At this point, I have no confidence in this being resolved by me speaking to customer service. If submitting this complaint will help me get my issue resolved, I 'd greatly appreciate it.
REFERENCE NUMBER XXXX COMPANY AGREED THIS WAS AN ACT OF FRAUD. IDENTITY THEFT. HAVE SUBMITTED POLICE REPORTS. YET IT 'S STILL ON MY CREDIT REPORT.
Due to the fact that I am a victim of identity theft, I contacted the XXXX  credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Capital One ( credit reporting company ) to promptly delete their 3 unauthorized inquiries ( dates : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX  has recently reported that these 3 unauthorized inquiries are still currently reporting on my XXXX  credit file. ***RECORDS ARE AVAILABLE UPON REQUEST***
I have XXXX loans with Ocwen ( mortgage and Equity ) It was clear to me about escrow going in mortgage but, after discovering from my Equity loan billing statement that part of my payment was also going in escrow. I immediately called and asked why. I then requested information on how long the company was charging my escrow account. Ocwens then stop all billing statements. I called many times and sent letters, See attached letters. Letter will be sent by email separate.
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
The loan was for {$480.00} and some change. I selected the installment plan option, and I made the first of three installment payments two weeks ago. I called to ask him if I could extend the payment bye two weeks because my money was short. They said no, and that they would cash my check as if I had not made the first payment. So, I will be out of overdraft fees in addition to the extra {$18.00} for a repayment plan.
On XXXX XXXX XXXX, an outfit called Torres Credit Services sent a letter stating I owe {$14.00} from not paying a XXXX XXXX XXXX XXXX which is a complete lie. This company is running a scam operation trying to collect phony debts and sending intimidating collection letters. The address from them on the letter shows they are located in XXXX, PA.
I was contacted via phone call about getting my loans forgiven. I believe this was a fraudulent call. The call was specifically about repaying XXXX loans and then consolidating the rest. The fee for it was {$700.00}.
I called Capital One Mastercard on about XXXX/XXXX/2015 to request an interest rate reduction and spoke with XXXX ( ID # XXXX ). Shortly thereafter, I received notification that our mailing address was changed. This was performed without our consent by " XXXX '' and after confirming with Capital One, our address in fact had stayed identical. 

As a result, their website refused to accommodate my request for a payment due date change, making it impossible for me to extend the due date of my {$4700.00} balance, because the statement closed the day after I attempted to do so online. 

Despite this egregious error, Capital One refused to correct the error and enable the date change on the website. Furthermore, they refused to extend the due date on my ~ {$4700.00} balance.
All three credit bureaus, XXXX, XXXX, and Experian are reporting false and inaccurate information about a public Record Bankruptcy on my credit report. 
Each Bureau does not report The Status, the Date Paid, the amount, or Plaintiff. The Court number is inaccurate. It shows no accounts included in bankruptcy. Some show no discharge date or inaccurate discharge date. 

I sent several letters to clear up this matter with them saying the information is accurate but they Have not provided me who they verified this information with. The courts themselves do not furnish this information to any credit Bureau or any third party agency.
I received XXXX Citi pre-paid debit cards for switching to XXXX wireless. Each pre-paid debit card is worth {$200.00}. The cards had a very short 6 month expiration date. The cards are now expired and when i called Citi they stated that the cards are expired and that I am out of luck.