WillisBack/dataset-financial-user-claim huggingface dataset:
I started monitoring each bureau and quickly noticed that because my XXXX XXXX DOES NOT HAVE A LIMIT any money I spend on it that should ever happen to get reported to the bureaus for the month is subtracted from the amount my other cards report this is to calculate a " FICO ''! So the FACT I HAVE A CREDIT CARD WITH NO LIMIT THAT GETS PAID OFF IN FULL MONTHLY SOME HOW BRINGS DOWN MY " FICO ''! Now the story is only going to get worse but thankfully I have over 25 pages of evidence to prove my nightmare experience! For REASONS EVERYBODY CAN NOT UNDERSTAND, EXPLAIN OR FIX! EVERYONE being XXXX, XXXX AND EXPERIAN ... as well as XXXX XXXX! There was a set monthly payment of {$14000.00} being reported and a credit card limit of {$29000.00}. The number they have been incorrectly reporting for months is my high balance for one month! Where the {$14000.00} monthly payment came from IDK! When I review all the reports I notice this XXXX XXXX shows up in the derogatory account section on all three as well! But the " Status '' hasn't been updated for the account since XX/XX/2012 just the " Balance '' has! SO based on this NIGHTMARE I STILL HAVE NO SOLOUTION TO I had to pay cash for my condo in XXXX XXXX because based on the bureaus I AM A HIGH RISK! I feel I should get the Hard inquires I got while trying to get a mortgage loan removed because the information WAS NOT AND STILL IS NOT ACCURATE! I HAVE BEEN DEALING WITH THIS FOR ALMOST A YEAR AND THEY EACH HAVE BEEN NO HELP ONLY HINDERANCE!
Contacted Experian with a companies ilegal reporting of an account that is 14 years old, the company has illegally re-aged the debt to reflect current activity reflecting the last 6 months as the debt being past due. The account has been resold various times and each time the company fraudulently reports outdated information as new to damage my credit And experian fails to properly investigate or block the information according to FCRA law. 

Company is XXXX XXXX XXXX XXXX which is not the collection agency legal name, and the address is XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Opened XXXX I have been denied credit and had to pay a higher interest rate on car purchase because of this ilegal reported item. 

Experian Fails yo remove the item
I am reaching out for help in resolving a problem that I am having with XXXX, XXXX XXXX XXXX, XXXX ( formerly Pressler and Pressler,  LLP ) located : XXXX XXXX XXXX, XXXX, NJ XXXX and their attempt to collect a debt that I never opened, had or owed to XXXX-XXXX " in the amount of {$5600.00} plus costs, of which {$4000.00} remains due and unpaid '' according to their written correspondence to me. As I have stated, I haver never opened an account with XXXX-XXXX in any amount and do not owe this debt. I have received ( XX/XX/XXXX ) letters from them both by First and certified mail dated XX/XX/XXXX with an attachment of a two page Information Subpoena and Written Questions requesting personal and financial information. Within the body of the letter is a threat that I could be arrested if I do not return the information to them within 14 days and letter also states that it is an attempt to collect a debt. I would appreciate your help in resolving this matter as soon as possible. I believe they are in violation of Consumer Protection Laws and debt collection practices.
After reviewing all XXXX credit reports, I noticed that XXXX 's Collection Agency named XXXX had me placed for collection on XX/XX/XXXX which I do not recall authorizing. I am under the impression that they should n't be allowed to put an inquiry on my file unless I have authorized it. It has been paid as of XX/XX/XXXX. I feel that due to the fact that it was not authorized and it is satisfied that it is about time that it is removed from my report. It is making it difficult for me to bring back my credit back to good health. Please help me if you can. Thank you for your time and consideration!
I refinanced my primary mortgage in 2013 with a company called New American Funding. They did lower my rate but told me that I would have to pay MPI because I refinance was over 80 % LTV. During the refinance process, my loan officer XXXX XXXX XXXX ( employee of New American Funding ), told me my MPI would be for 92 months or until my LTV got to 80 %. I have requested my mortgage company to order an appraisal because I believe my house value is high enough to cover the loan at 80 %. When I did this, they told my I had to have the PMI for 11 years ( 132 months ) and that there was no way around it. My challenge is that I was told something else and my loan documents say my term is 92 months max.
Hi. I received a statement from the PayPal Credit showing a charge for {$670.00} plus {$38.00} fees, plus {$11.00} interest. It looks like it was a single purchase which I did not make because I do not have PayPal account and card. I have called customer service and told the representative that I did not do it because I had no PayPal account and credit card. I asked her when was the account opened she told me last year. It looks like the account was opened by someone else, a fraudster, or this is a fraudulent charge by PayPal because the statement is not clear to me ... I have received again the statement and I am very much upset about. 

I have no intention of paying the bill. I am a senior citizen and I am not the one who would do anything to myself to have unnecessary problems ... 
I hope that you will be able to help me out with this issue and I will be very grateful.
Freedom Mortgage Company recently purchased my home mortgage from another lender.

I am attempting to pay off my mortgage as soon as possible by paying an additional {$500.00} per month to pay down principal. This company refuses to allocate these funds to principal, and instead applies the excess funds to future payments. Multiple phone calls have resulted in conflicting information, and no results.

In my first call, I was told they would make a note on my account to ensure future payments would be allocated properly. The next month they were not.

In my second call, I was told that they could not process principal reduction payments from electronic payments, only if paying by check.

The next month I sent a check clearly showing the allocation I desired. Freedom Mortgage ignored my instructions, and allocated my funds to future payments. Their representative was clueless and said a supervisor would call me back. I received no such call.

Additionally, in my second call, I was told there were multiple fees to pay off my mortgage in full. I asked for and was told I would be sent documentation from my original mortgage contract allowing such fees. No such documentation was forthcoming.
CRA VIOLATION ID THEFT INACCURATE INFORMATION NOT MINE EQUIFAX SECURITY BREACH
I attended the California School of Culinary Arts in XXXX, California for 3 months in XX/XX/XXXX, and according to the school documentation I was charged {$11000.00}. I signed a " signature loan '' with XXXX XXXX Student Loans ( Now Navient ) to cover the cost of the school tuition and fees. XXXX XXXX ( Navient ) has since reported to credit agencies that I took out XXXX school loans to cover the expense of attending the XXXX, totaling over {$44000.00}. With interest, the amount that XXXX XXXX ( Navient ) now reports that I owe to credit bureaus each month is over {$100000.00} ( for attending cooking school for 3 months in XX/XX/XXXX while I was still in the military ). This false and inaccurate reporting on behalf of XXXX XXXX has ruined my credit status and has prevented me from qualifying for a home loan and other loans that would improve my quality of living. Whenever I have attempted to remedy the situation with XXXX XXXX ( Navient ), both by phone and in writing, I have been stonewalled ; the only response that I have ever received from them is that I owe the {$44000.00} plus exorbitant interest, totaling over {$100000.00}, and I need to pay it or it will continue to be reported to the credit bureaus. My loan went into default officially in XX/XX/XXXX, which only makes any attempt to deal with XXXX XXXX ( Navient ) all the more difficult, if not impossible.
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see I 'm amazed that this behavior is tolerated and shunted aside. Someone needs to seriously look into this. Please see enclosed documents that were provided initially ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT XXXX XXXX XXXX XXXX US XXXX XXXX XXXX XXXX DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT XXXX XXXX XXXX DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$63.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$170.00} XXXX CITY OF XXXX XXXX XXXX/XXXX/XXXX {$200.00} XXXX XXXX XXXX XXXX/XXXX/XXXX {$100.00}
On my XXXX credit report there are XXXX accounts with XXXX XXXX under XXXX different agencies. XXXX agency is XXXX XXXX with XXXX XXXX for XXXX and the second creditor receivables management for XXXX. These XXXX creditors are reporting the same account with XXXX XXXX. According to my credit report it was supposed to have been removed on XXXX XXXX. Now it 's reported on my XXXX report XXXX. It 's also on my XXXX report under XXXX XXXX for XXXX and XXXX report under XXXX XXXX for XXXX. This account was supposed to had been removed and now keeps appearing.
I got a hard pull inquiry from XXXX on XXXX XXXX, 2016. I have not done ANY inquiries or applications since I opened my bank account at XXXX Bank in XXXX, 2016. I do not knoow where this hard pull is from. They took off a point for it. How do I get it off?
I received a letter from XXXX after the leased ended and vehicle was turned in. The letter is dated XX/XX/XXXX, that I may get a refund. A copy of the letter was sent to the dealer where I leased the car XXXX XXXX XXXX on XX/XX/XXXX. The car was in excellent shape and the lease was paid as agreed. This was my 3rd lease with XXXX/XXXX AND I was in good standing with A1 credit from the first time that I began leasing from XXXX XXXX. 
Now that I am disputing information and trying to correct errors on my report, the XXXX is showing that I was late paying when I was not. I paid on time and I was in good standing while I lease 3 XXXX from XXXX XXXX.
I have been sent a letter in regard to a debt collection for a debt that I did not incur. The original debtor has not validated the debt and was over a time period I was not employed by the original debtor. The dates were provided and proof of other employment during this time. The dues were billed when I was employed by another organization.
XXXX  has been non-compliant with removing the unverified account CAPITAL ONE BANK USA which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USAwas not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I enrolled at XXXX XXXX College XX/XX/XXXX ( now XXXX College ), graduated XX/XX/XXXX and borrowed {$48000.00} from American Education Services to complete the program. Like most private loans its a standard variable interest non subsidized loan. Currently my balance is {$47000.00}. I did get laid off within the 8 year period and was unable to make about 8 payments but have been faithful on the other, roughly, 88 payments. I have made over {$29000.00} in payments to the company ; I do n't understand how my balance has only dropped by {$1000.00}. I call and can not get a direct answer from the company. PLEASE HELP me! I am desperate to get out of debt but at this rate I 'll never see the end.
Experian XXXX XXXX reported that my XX/XX/XXXX payment on my XXXX XXXX XXXX lease for a black XX/XX/XXXX Sorento was 30-60 days late. The attached shows that I do not have a payment due until XXXX XXXX and that I paid the payment due XXXX on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX and the payment due on XXXX was paid on XX/XX/XXXX
I first contacted Equifax on or about XX/XX/2018 about an incorrect address on my credit report that caused incorrect information being sent out about me. I later determined that Equifax had me and my daughter mixed up. This caused my daughter 's information to be associated with my social security number. In the weeks that followed they refused to change anything because they claimed to have credit information from a local bank to prove what they had was correct. They would not show me that information but I determined it came from me co-signing for a loan for my daughter. They have made a mistake and will not correct it. Also they will not send me a copy of the credit report they have on file.
disputed several accounts in XXXX with Experian and failed to receive proper update on credit report after investigation was completed. I asked for validation of debt and did not receive. I am requesting validation of debt belongs to me due to recent fraud/identity theft. If unable to provide the accounts should then be deleted from my credit file as previously requested. The accounts are listed below : XXXX- Account # XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX- XXXX BANKRUPTCY- REF # XXXX Please ensure that debt has been validated otherwise under the FCRA please remove from my credit file.
I was notified by mail on XX/XX/2018 that my mortgage loan was purchased by XXXX XXXX on XX/XX/XXXX My original mortgage was through Quicken ; I closed on my new home XX/XX/XXXX. My loan was only with the original company I CHOSE for LESS THAN 2 MONTHS! Upon conducting some research, I learned that legally both the old and new servicer must notify me about the transfer of my servicing rights no less than 15 days before the effective date of transfer. I never received the servicing transfer notice, so I'm filing this complaint with the CFPB. Additionally, XXXX XXXX couldn't even be bothered to update my mailing address to the purchase address ( this should be a given, common sense! ) so I received the notice of them purchasing my loan over 30 days after it was sold because not only was it sent to my old address but it was sent out on XX/XX/XXXX. This is not right, these huge corporations need to be held accountable for the ways they take advantage of everyone! When is the corporation going to be held accountable/responsible and where is the protection for the consumer??
I 've tried to setup automatic three times, once online and twice on the phone. The company keeps telling me they will enroll me in the auto-pay feature and then charging me late fees when it does n't execute a payment automatically. I am forced to call in, make a one-time payment, and dispute late fees repeatedly. I 'm sick and tired of contacting the company to deal with this!
the department of education /Nelnet are reporting that I student loans, they are reporting on XXXX , XXXX  and XXXX this is n't accurately. 
they have over 12 accounts on my credit report. I have asked for them to send me promissory notes that I have signed that stated that I applied for these loans and they have not sent me anything as will as all proof with DL picture, signature and paperwork. they have not sent any information to me.
I wired XXXX to Coinbase through XXXX on XX/XX/XXXX. After quickly realizing that my recipient number was not included when I wired it ( no option on my online banking account with XXXX ) I filed a support ticket and called them. After being disconnected several times, I was finally connected after 2 hrs on hold. The CS rep told me that my money would be rejected by coinbase within 3-5 days and be returned to my account. I then called my bank and they said that after coinbase rejects it, it should show up after 10 business days. After 10 business days, I did not receive anything, and no one responded to my support message. I tried calling again around mid XX/XX/XXXX. This time, they said they " escalated '' my case and it would be worked on as soon as possible. It is now XX/XX/XXXX and I have not heard a single word from them. Please help me get my money back from these thieves!!!!
When I refinanced my mortgage, mu current lender, Stonegate Mortgage, mishandled my escrow account. On XXXX XXXX, Stonegate " conveniently '' withdrew my property tax payment for an XXXX XXXX payment!? On XXXX XXXX, ironically, the XXXX tax collector has not received the payment!!! How is it my new lender already paid my property taxes and my new loan did n't even close until XXXX XXXX!? 

Called Stonegate and they did not care, customer service was RUDE and told me they always pay in advance, really two months early???? She could not explain why XXXX XXXX tax collector had not received payment and did not care, offered zero help. She then told me I would have to wait 2 months for my refund. WOW that 's customer service! So Stonegate gets to keep almost {$2000.00} because allegedly they pay property taxes early but ca n't find a record for it. How convent! This is the professional experience, dedicated service, and HIGHER STANDARD you can expect from Stonegate. 

I was a customer and just because I chose to refinance with someone they screwed me over. 
Please help! 
XXXX XXXX Loan # XXXX
Navient was my student loan processor for the last 6 years. I have been trying to pay off a student loan since 2002. I was placed in several plans that caused a negative amortization. so at the end of that time period i owed more than the original amount. I then applied ( through Navient ) to qualify for a public service discharge of my loans. I spoke at length with a Navient representative and they placed me in a level pay plan ( automatic deductions ) that raised my monthly payment but also paid off. a little of the principle every month.This was two years ago. At the end of last year ; I was approved for the public service forgiveness program ( I have been a public school teacher since 2002 ) and my loan was turned over to XXXX. I kept making payments and last month I was told by XXXX that I was on the wrong payment plan to qualify for any loan forgiveness program. I started with XXXX in debt ( XXXX of which is interest on the original loan amount ) and after making 2 straight years of XXXX a month payments ( XXXX dollars ) I reduced my principal to around XXXX dollars. I was forced to accept the extended payout plan which according to XXXX would let me ; after XXXX on time payments ( 10 more years ) qualify for thier public service forgiveness program So now I pay monthly XXXX and at the end of 10 years I will owe more money because of negative amortization! ( the interest rate was raised to 7.5 %! ) and then I will only hope that I can get the debt forgiven ten years from now. This is the worst type of usury abuse and should be an embarrassment to all involved.
Quality Loan has not provided accurate legal document to foreclose -they have n't done due diligence and do not have the legal standing -authority to act as a substitute trustee as they do not represent the lender -nor do they have the correct deed-note and payoff-they have filed incorrect -unauthorized documents to county recorder
My name is XXXX XXXX. I used my Navy federal credit card at XXXX XXXX and nail shop. When I realize the card was lost, I advised Navy Federal and reported the card lost. They are they told me I owe {$5100.00} plus {$20.00} or XXXX XXXX of the outstanding balance, whichever is greater. I only made two charges the XXXX XXXX change and nail shop charge. Navy Federal policy is that if you didn't have the change the have a XXXX Liability policy ensures that you won't be responsible for false charges toy your account. That are not following there policy. They also tacked on extra {$2000.00} to the bill. This is unacceptable. I have tried calling them they won't even answer return the call. They just want to talk via I message. Please help!
My bank issued an overdraft statement from my checking account at XXXX XXXX XXXX XXXX in 2011. I called the XXXX XXXX XXXX XXXX and told them their was an error. They told me that the amount I owed was credited to me and I did not owe them any money and that the error was corrected. By mistake, they then sent the original amount I owed of {$360.00} to a collection agency. I called them and sent them a copy of my bank statement showing the credit. I phoned the Best Service Company and they told me they do not negotiate any debt no matter the circumstance. I ask that you investigate their collection practices and have them remove this item deleted from my credit report. I ask you to publish these results and publish the name of the Best Service Company under scam public knowledge. I have included the copy from the bank showing the balance was credited before it was sent to a credit reporting agency.
IQ Data International inc : amt XXXX XXXX XXXX 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa XXXX I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in WA state RESOLUTION : I demand the business remove the negative report against my SSN at any credit  reporting agency, including but not limited to XXXX, XXXX, & XXXX. In addition, the business agrees to have no contact in any form with me regarding this account now or in the future. Lastly they agree to remove my personal information from all accounts in the companies database. <P/>Hope this helps. This has been successful for me personally in have the collections removed from my report however each individual and circumstance is unique.
My complaint is with CitiMortgage. I did a refinance in XX/XX/2016 and taxes were set up to be escrowed. At closing there were more than enough funds to pay the XX/XX/2016 property tax. Face value was XXXX. I received the property tax statement in XX/XX/XXXX and called to verify with CitiMortgage that it would be paid. I was told yes. In XX/XX/XXXX our county passed a XXXX tax for the schools. It was a one time thing and an additional XXXX tax. Soon after, I was issued an escrow refund check for XXXX. I called CitiMortgage to verify this was disbursed correctly. They assured me again that this was extra and all property taxes had been paid. I called again the next day to verify I would get the same information. I was told the same. Two days ago I received a delinquency notice for my property taxes with a 21 % penalty. They have not been paid. I called Citi, my loan officer, and the county to see what was going on. Three calls to Citi and they were still telling me all had been paid. Finally a fourth call and told XXXX was paid. That was a school tax not property tax. Now I am being told I am responsible for funds to escrow account to pay the tax.