WillisBack/dataset-financial-user-claim huggingface dataset:
I have informed Experian and XXXX that the XXXX XXXX was never late in 2014. I have had a difficult time trying to get XXXX and Experian to to remove this inaccurate information from my credit file. Please assist me in getting this account removed from my credit file.
In regards to Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I made a settlement agreement with them last year for half, I sent them a valid check and they check was sent back stating the offer was longer good. I have submitted all necessary paperwork to the XXXX credit bureaus. This company continues to call me at all hours of the day and night. including XXXX to XXXX XXXX. They have called friends and relatives in other states and here in XXXX. They informed my brother about the debt, how much it was and threatened him with a lawsuit if he did not pay. Even though we have both asked them to send all corespondents through mail only and no more calls, they continue to do so. Today they notified myself, my brother and a friend, that we are all being sued, wages garnished and jail time, if I do n't pay. All these practices are illegal.
I am a XXXX in XXXX XXXX Nevada. I was representing the buyer of property at XXXX XXXX XXXX, XXXX XXXX XXXX Nevada XXXX. I was made to suffer an Oppression at the hands of Nationstar Mortgage and their representative. ( 26 U.S. Code 7214 - Offenses by officers and employees of the United States ) On or about XXXX/XXXX/2016 XXXX XXXX XXXX, and NationStar Mortgage, working as an agent of the United States, on behalf of Nationstar, in settlement of a HAFA mortgage adjustment, and under the color and authority of this program, while full well knowing that as a real estate agent, I am compelled both legally and ethically to work in the best interests of my client, demanded that I accept a reduction in compensation to complete the above mentioned sale. Per his position it is assumed that he knew of my obligations to my client. He has by his action cost me a reduction in my compensation of more than {$1100.00}. I pray that you will demand that NationStar display their records of this transaction, compensate the real estate agents to the original contracted amount and find their answer for reducing the seller compensation by {$12000.00}.
issue started with hsbc i n  XX/XX/XXXX / XX/XX/XXXX  and several collection companies. finally after years of being harassed I got it taken care of thru your agency. But like a bad dream it is back on as a new credit card collection syarting in  XX/XX/XXXX  and companies are harassing and threating me. I had documents from HSBC that were  destroyed in hurricane that was letter from company back years ago stating not mine. it is now being reported as new collection from several companies.  One  company is  XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   tx  XXXX   XXXX  in my old file with you last year is a copy of the letter from them.. this account is over  9 years o  ld a nd continues to come back and ruin my credit. please contact me asap  XXXX
This is in reference to Case number : XXXX. Bank of America called me on XXXX and left a message for me to call them back at XXXX and use extension XXXX to speak with XXXX about my complaint. However, when I call this number and try to enter the extension, nothing happens. A recording just repeats itself to enter the extension. I have tried from XXXX different phones so I know this is a problem with their system. The system hangs up on you without allowing you to ever reach a live person or leave a message. Intentional maybe ... .. I need to be able to get ahold of them because they will claim I did not respond to them and they did not give me a way to do so.
My accounts were closed abruptly and I was unable to access the funds in my account without any correspondence.
I was a college XXXX at the time trying to get back in college and i tried to apply for loans that i did not know i had knowledge about back in XX/XX/2017 on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. from XXXX XXXX XXXX. i did not know i was going to get a hard inquiry on my credit and i want the hard inquires removed
My husband made a cash deposit of {$1800.00} on  XXXX   XXXX ,   XXXX  . CASH, handed to a teller, counted and confirmed. That evening I transferred the money to my checking account so that I could pay my mortga ge ( our accts are linked but separate ). The bank put a hold on the deposit stating some rule that if a deposit was made after a certain time then it would n't post until the next day, however, had he deposited thru the ATM the money would have been immediately available. That is the complete opposite of previous banking rules! It was cash, handed to a live human being! At any rate, me transferring the money that the bank says was n't there resulted in 5 overdraft fees. The bank has refunded 3 out of the 5, however, that is not acceptable. I believe the bank is participating in predatory practices to steal my hard earned m oney.
I signed a contract with XXXX in XXXX 2014 and every month since then I have been paying my monthly fee on time every single month according to the contract. Despite the fact that I have been paying my monthly fee to XXXX on time every single month the company decided to turn my account and payments over to a collection agency in an attempt to collect all the money at one time. I do believe that this was in direct retaliation because I requested to back out of the contract because I was not using their service. They did not allow me to back out and then they deliberately mismanaged my account showing that payments were missed which turned out to be by their own account an error on their part. Yet despite this fact my account was turned over to a collection agency although we both have proof that my payments were all made on time.
Account information on my credit report is reporting information incorrectly. The account history information is showing L ( charge off ). The history information does not show or include the payment history and they are re-aging the account. Account information needs to include payment history, late payment 30-day and 150-day delinquency dates. They are not including this information on their reporting period and are in violation of FCRA ( 7 year maximum reporting period ). Any information that can not be provided or deleted showing the correct account history information confirms that they are attempting to re-age their reporting period. I request that all negative information that is reported incorrectly, not providing accurate account history, or deleted account history to be removed from my credit report.
I have been trying to reach a live person to speak to at XXXX  credit reporting agency. The only number I have to contact them is XXXX. A recording keeps coming on asking to push 1 for fraud information and 2 to order your credit report. It is impossible to speak with someone. I have disputed in writing several times incorrect information on my XXXX credit report. I can't even get online to submit a dispute. I have a report number but the website won't allow me on. I have disputed an account ( XXXX XXXX XXXX XXXX XXXX ) that is showing as negative on my report. This information is INCORRECT. I've had several combined loans years ago with XXXX XXXX XXXX XXXX XXXX and have paid the balance in full. It's reporting as a write off which is completely wrong. Having this wrong information is hurting my credit score. XXXX has deleted the account I do not understand why XXXX  and transunion are still reporting this. I contacted XXXX and was told they received there response to the investigation and it will be deleted off my credit report. The same response should have been received to XXXX  and transunion as well. Another account I have is XXXX XXXX dept store. It is showing as a late payment back from XXXX. This is also incorrect! I have never been late in paying XXXX again XXXX has corrected it but experian just keeps updating the same information. The last one is XXXX  XXXX XXXX. There are fraudulant charges on that account from XXXX. My credit score is being affected due to wrong information reporting. I am submitting this complaint because XXXX  doesn't care to take the time for the consumer and do a true investagation. My credit is most important to me and I am aggravated that you can't even speak to a live person to dispute these accounts again. I also have disputed them as I mentioned earlier in writing several times. One time they gave me a wrong PO Box number and my letter was returned to me.
I received a call from Halstead financial services from XXXX The caller repeatedly hung up on me before I got a woman named XXXX told me that I was in dept and I need to pay it because I 'm in the last stages before legal action I ask to speak to a manager she said the manager would call me back demanded to speak to one right away they gave me to a woman named XXXX she told me all the information on the account none of it is my information but the name they got my number and address from a skip trace of some sort
Never received a compromised claim disclosure for {$9800.00} ( VA Home Loan Guarantee ) or sale disclosure form from the mortgage company that occured on XX/XX/XXXX. When I attempted to request all documents pertaining to the short sale ( XX/XX/XXXX ), representative was resistant to my request, telling me that I could not have those documents. Later the mortgage rep called back and stated that I could get email correspondences in relation to the sales transaction. I also was informed that any documentation pertaining to the sale of the house would cost me {$5.00} per page. 

At closing of the sale I did not receive any closing disclosure from the sale or a compromised claim documentation submitted to the VA Home Loan Guarantee.
I had some private student loan with XXXX and then XXXX transferred all of my student loan to a company that is called AES. I contacted AES to explain to them that i had just had a new baby and I am not paying that much money to be able to take care of XXXX kids and myself and still pay over XXXX a month. I have even asked if i can do something to lower my payment, like how i am XXXX and i just keep getting told that they cant do anything for me and if i dont pay my bill then they will report it to my credit report. I feel as if they would like for me to be homeless with my XXXX children inorder for me to be able to pay my monthly payment.
I was contacted b y Atlantic Credit and Finance i n  2015  regarding a credit card debt I owed to  XXXX   XXXX  Company.   We resolved the debt and I paid a settlement in good faith in the amount of {$10000.00} on  X/XX/15   .   I took this money out of my 401K.   My complaint is that I was not told this would be considered income by the IRS and the State of Oregon.     As a result, this created an additional tax burden for me and I had no way to arrange for additional withholding since I did not know the amount of debt " forgiven '' would be counted as additional income.   IF I would have known the complete impact of the arrangement I agreed to, I may have preferred to make other arrangements.     I was led to believe there would be no further consequences to my finances once I paid the agreed upon amount. This omission by Atlantic and their representative constitutes bad faith and misrepresentation.     I am still dealing with the IRS and State of Oregon on this issue and it continues to cause financial hardship.     I would appreciate you investigate this action by Atlantic.
I purchased furniture at a local merchant in late, XX/XX/XXXX. That purchase was financed over time, and the loan was sold to XXXX XXXX. My first payment was made in XX/XX/XXXX in the amount of {$180.00}. Subsequent payments of {$180.00} per month were made each month for 27 months and a total {$4800.00}. I have bank records that prove {$180.00} was debited from my bank account each month beginning in XX/XX/XXXX and ending in XX/XX/XXXX. I am happy to provide the XXXX file from my bank, to include confirmation numbers, to the CFPB or the receiving institution. Notwithstanding the monthly payments of the agreed-upon amount, the creditor ( XXXX XXXX ) has reported this trade line severely delinquent -- reporting it 30 days late five times, 60 days late four times, and 90 days late three times. It is egregious that one can purchase furniture, the loan be sold/serviced to XXXX XXXX who receives the monthly amount due, and that bank then prey on a consumer who is making payments in good faith with regularity and never missing a monthly payment. I invite any creditor or agency with a bona fide interest to review my credit history, and you will find stellar credit payment history that begins 19 years ago and includes real estate, installment, and revolving accounts. What is even more unbelievable is the original furniture purchase called for 24 monthly payments of {$180.00}, which is a total payback of {$4300.00}. While I tried to work with XXXX XXXX  even though I could not understand what the problem was, I ended up paying three additional monthly payments of {$180.00} -- making the total payback more than {$500.00} over the original amount of the purchase.
Wells Fargo has been servicing my home mortgage for several years. For the last two months, they have mistakenly applied my monthly payment to the principal balance instead of applying it to monthly principal and interest payment. As a result, Wells Fargo calls every month saying that I have missed a mortgage payment. Of course, they reverse the late fees and credit the payments properly, but this loan servicer is not properly servicing my loan. 

I finally figured out what is going on. They say I 'm paying too early. The most recent check was received five days before the deadline. Apparently that is too early. Wells Fargo needs to be clear with its customers about what the deadline is. Do they really expect the payment to be received before the due date or after the due date and during the grace period? They wo n't tell me that the due date is n't really the due date, so I do n't know how a responsible borrower is supposed to behave.
Between XXXX XXXX and XXXX of XXXX, Equifax was hacked and released significant information about my credit history through negligence. My credit is now at risk due to the companies failure to adequately protect my private information and now I will be forced to pay for monitoring my credit in order to avoid having my identity and/or credit stolen.
Equifax did not have enough security in place to protect my private information. They claim that my information may have been stolen by hackers. As a result, I took an entire day off work to : - call credit reporting agencies to freeze my accounts ( {$44.00} for my wife and myself total ) - add additional security to my accounts where possible In addition, I am now faced with the additional overhead of needing to unfreeze my credit report whenever necessary - for the rest of my life. Furthermore, I am at a significant risk of identify theft and will either need to regularly scrutinize my accounts and credit reports or hire a company to do this for me. The going rate is $ XXXXmonth ( LifeLock ) for anyone with a 401k ( which I have ). $ XXXXmonth for the rest of my life is roughly {$9000.00} amortized. 

It is my belief that Equifax understood their responsibility to protect my data and the risks that they were taking. I believe that they chose to implement lax security protocol in order to increase their profits, despite the increased risk this placed on my data. 

They currently have a website you can use to check the safety of your data. Unfortunately, there is ample evidence that this site returns somewhat random results. For example, it would seem that the SSN you enter is not used in most cases. I tried with several common surnames and they all returned exactly the same result ( your data may have been compromised ) regardless of what SSN I entered. This clearly significantly increases the cost to those whose data was NOT stolen by making it seem like it was.
I sent a detailed letter questioning the validity of my collections account, in a certified letter to each credit bureau. As of now it has been more than 60 days and still have yet to receive a response
The company, Mr Cooper took over my mortgage from Nationstar in XXXX of 2018. They lost my XXXX payment, added property tax to an escrow without my consent and have completely lost track of my payments, due to the most complicated accounting math I have ever seen. I have NEVER missed a payment. They have added late fees & service charges to my bill. I have been trying to resolve these issues with Mr Cooper for 11 months with NO success. The huge number financial papers they have sent me will require a CPA to decipher. I have submitted my bank records showing proof of my regular payments. 
I have made dozens of phone calls trying to correct these problems. I have all required documentation showing the ridiculous data they have listed on my account, saved. I can mail, email, Fax, what ever is needed. NO regular person would be able to understand these financial statements. They have lost track of there own complicated mathematical process and continue to harass me via constant phone calls & emails. They stole my payment and want to charge me for being a payment behind. I have never had a problem with a loan in 45 years. Mr Cooper is the WORST company I have ever dealt with. Your assistance would most appreciated!
I was double covered by blue cross during this visit. I told them to file it to all of my insurance accounts and Then if there was a balance ( which there should n't be ) to Bill me then. They were unhelpful and clearly did not bill my insurance as asked. They wanted to collect money from Me immediately instead of billing my insurance. I can show proof of the insurance and they can not show proof that they filed it to all of my insurance. This is an issue EVERY time I visit this hospital. Furthermore, this collection agency REFUSES to give you the contact information for the company they are collecting for so that you can push to have the issue resolved. This company is very dishonest
I was approved for a XXXX XXXX Credit Card for XXXX limit. I bought a bed for around XXXX and was told they was no interest on the card. Each month I receive an email informing us to pay the minimum balance of {$25.00}. Each month I pay {$100.00} to get the debt down quickly. My balance went down to about {$200.00} and in XX/XX/XXXX I receive an interest charge of almost {$400.00} at 29.9 %. I am shocked as I have never seen this in any of the emails notifying me payment was due. I want to pay my original balance in full immediately and have the interest charges dropped.
I am requesting copies of the original mortgage assignment to Chase for this loan. 

I would like to see documents that show when Chase was assigned the right to collect or service this mortgage loan.
Wired money to our son who was on a summer student program in XXXX. Correctly completed the Western Union forms and they took the fees for the transfer. When my son showed up to pick up the money, Western Union would not release the funds as they claimed his name was incorrect. His name was correct ( and matched his passport ) - apparently the root problem was they wanted a middle name on the Western Union form, hence they required information at the pick up that was not required when they took the wire transfer ( and collected fees ). As my son was stranded, it took multiple calls to Western Union to revolve. They could have fixed their mistake, several different ways, but instead refused to correct the issue until we went through multiple steps, including a call back from a manger that never happened. I want to emphasis that we were not trying to change / modify the transaction, but rather wanted them to find a way to resolve their internal discrepancy. We tried two follow up phone calls with Western Union to discuss the problems and asked for a refund - all they could do was direct me to their website. If compounded the problem that their customer service personnel appeared to be poorly trained, lacked English language skills, and did not seem have any tools at their disposal to address our issue.
I am filing this complaint because  XXXX  has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not 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. Please resolve this manner as soon as possible. Thank you.
I bought a netspend debit visa card and they ask for name, address, date of birth, social security number this is a identity theft in the making. And when told NO these people set limits to you which I could not pay an important bill online nor get my money back. Then they tell you they ca n't reverse it. Custom service is poor and keep you on hold for long periods of time ... ..I should n't have to give my social security with all this identity theft out here to use money I put on a card. I 'm very hurt by this I filled ripped off and taken advantage of by netspend
I was fully expecting to submit a dispute that was due today, XXXX XXXX, 2016, but my case has been closed in advance of the deadline! 

I am going to try to submit it here and call tomorrow morning to find out why my case was closed in advance of the deadline. 

XXXX XXXX