WillisBack/dataset-financial-user-claim huggingface dataset:
I have reported the unapproved duplicate hard inquiries and paid-off duplicate collections to the credit reporting agency. They tell me I need to contact the creditors directly with my dispute. I have contacted the creditors via letter and call with no response to these unapproved duplicate hard inquiries and collection they are reporting to the credit agencies. They are the following : DUPLICATE HARD INQUIRIES :     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   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
In XX/XX/XXXX, I attempted to correct the last status of a student loan that was consolidated and paid off as of XX/XX/XXXX. Experian conducted their " investigation '' and updated my credit report incorrectly ... stating that I missed a payment as of XX/XX/XXXX.  This account has been closed and paid in full as of XX/XX/XXXX, therefor I can not possibly have missed a payment in XX/XX/XXXX. Upon submitting a letter provided by the creditor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Experian notified me that they could not use the letter in question to correct my credit report and that they would contact the creditor to verify again. Now, they are reporting the account to be in collections as of XX/XX/XXXX ... again, this account has been closed and paid in full as of XX/XX/XXXX ( over two years ago ) and a letter from the creditor was provided to Experian that confirms this. Experian is willfully not accepting the letter that the creditor provided, and their " investigations '' are not resolving the issue and have cost me 51 points on my FICO credit score. As a result of their willful misreporting of information on this account, I am forced to file this complaint.
On XX/XX/2013, XXXX days before the DOJ announced its landmark $ XXXX settlement of the Chase XXXX Lawsuit, JPMorgan Chase Bank, N. A., outsourced the servicing rights to hundreds, ( and possibly XXXX ) of DOJ-designated " Toxic Mortgage '' loans, originated by the Chase-Direct Non-Prime Lending Center. The net-effect of this clandestine " Eleventh-Hour Maneuver, '' was that these newly-outsourced " Toxic Mortgages '' ; including Mortgage Numbers : XXXX, contained in RMBS : JPMAC XXXX, were then ineligible to receive consumer relief under the $ XXXX Consumer Relief Provision, of the $ XXXX Chase XXXX Settlement with the DOJ. The net financial benefits of this fortuitous outsourcing maneuver to JPMorgan Chase Bank, N. A., is  unknown ; however, the end-result was that it allowed the defendant in this lawsuit, to designate the lien-holders to which this $ XXXX " restitution '' was to be given. This unprecedented act of the DOJ to allow the defendant of a lawsuit, to designate who the recipients of the monetary damages awarded, is like " allow the Fox to Guard the Hen-House '' ; however, even now, XXXX years later, no federal fair XXXX XXXX XXXX has registered a single-comment on behalf of the mostly XXXX Americans lien holders of the tens of thousands of Chase-originated " Toxic Mortgages ; and it is clear, that this is been interpreted " as a blanket-vote of approval by these agencies regarding this XXXX of justice to these XXXX American Lien-Holders ''. To emphasis this point : It appears that some form of bail-out, restitution, relief or other form of compensation has been offered to corporations and consumers adversely affected by the " criminal, felonious acts of major financial services institutions and National Banks during this period of sheer madness during the past decade ; however, economic indicators, in particular : home ownership rates for XXXX American consumers, have not recovered, and frankly, may never recovered to the levels which existed before the real estate collapse of XXXX. When JPMorgan Chase and Company were named the " XXXX '' of the XXXX consumer relief that was assessed by the DOJ, they had a unique to " right some of the wrongs '' done by them with no additional fines or levies ; however, they chose to do just the opposite by conspiring with its business partner XXXX to deprive lien-holders of Chase-originated " Toxic Mortgages '' with the consumer relief that they deserved.
On XX/XX/XXXX, I transfered {$82000.00} to coinbase from the same account I had originally registered with. On XX/XX/XXXX at XXXX XXXX, I sent an email to coinbase support asking why twenty days had passed since sending the transfer and it still did not reflect in my coinbase account. On XX/XX/XXXX at XXXX, they answered " I was able to locate the deposit however we can not accept the wire since it is under a business name ( the same business account which was used to deposit all the previous transfers to coinbase ), the wire will be returned. I am still waiting for the transfer for a month now. I have read of many others experiencing this same issue for even longer periods of time. This money is required for my day to day expenses and will be hinderin meeting my families financial responsibilites if not returned soon
I signed up for an Installment Loan from Big Picture Loans LLC on XXXX/XXXX/16 due to a job change. The agreement that was sent to me showed that I would have the {$400.00} loan paid off in XXXX payments. After signing up for the loan, the interest rate showed 847.9002 %, and that the total finance charge to them would be {$1800.00}. The total of the repayments will be {$2200.00}. If this was available to view with these details before " signing '' anything, I certainly would not have done it. 

After doing some research, I was directed to this site due to the seemingly illegal operation of this company.
What happen is that I was paying my loan to Bank then this entity sold the loan to another bank so i still sending my payment to this new bank and it happens to be that this bank is sending me a foreclosure letter when I 'm paying month to month they are phonies.
Tek-Collect, Inc and XXXX XXXX, Initially disclosed the wrong amount and date of the bill, and while I was verifying the amount with my dental insurance company sent this to Tek-Collect , Inc., a collection company with a very poor reputation. When I tried to pay the amount owed, I was told I could not. When I contacted Tek-Collect, I was told by the representative and supervisor that they would rather have this on my credit report to harm my credit, than actually receive the money. This is REPREHENSIBLE!!! These collection companies are more interested in harming consumers than receiving payment.
Repeated telephone calls from Transworld regarding an alleged medical debt that I never had notice if and told them did not think it was mine. When they asked for personal information, I told them that I was concerned the call was a scam. The woman said she would note that I refused to provide information. They would not verify any details about the debt even after I provided them with my full name
I have sent a request to recast after paying off {$69000.00} off XXXX mortgage since XX/XX/XXXX. Sun Trust came up different reasons to delay the process and changed the criteria of what can be and can't be changed. For example, SunTrust can't get the principal correct in the recast after I have contacted them few times. After few contacts, I decided to send in one additional payment and hope that they will come up with the right principal amount to recast. I was told that we can send in recast request if we pay additional {$5000.00} in the principal but last XX/XX/XXXX they told me that I have to send in at least 10 % of the outstanding loan to request any recast. When I came up with 10 % of the outstanding payment to recast and requested to remove the escrow account at the same time, I was told that I can't remove my escrow account because the investor has changed the criteria of escrow accounts removal. The escrow account can only been removed after opening the account for two years and my account has only been open for one year. I told them that I was told that escrow account can be removed after one year when I first refinanced and was able to do so with my first Sun Trust account before I refinanced. They told me that the investor has changed the rules last XX/XX/XXXX. I asked them why I have never received any information about the changes. Particularly, I sent in the request about XX/XX/XXXX and I have paid off all of taxes for XX/XX/XXXX at the end of XX/XX/XXXX. Sun Trust never bothers to tell me that I can't remove escrow account until I paid off the rest of XX/XX/XXXX taxes and called them back to ask them to apply the escrow amount to the principal. I never got any answer. All they do is asking me to pay additional XXXX for something that I already paid. 

After recast, Suntrust requested me to send in {$4900.00} for XX/XX/XXXX and it also shows that I am past due {$2400.00}. I have contacted SunTrust and asked them to recalculate the payment and also reinstate the fact that I have never received any changes about escrow accounts. They contacted me twice via the phone. When I called back on XX/XX/XXXX around noon, I got cut off. I called them again today ( XX/XX/XXXX ) and got cut off first time after speaking with the first representative. I called back again at the number that was left at my phone and spoke to the second representative. He was not aware of escrow account issue but he told me that they have a lot of information on my account about me not being able to pay and need assistance on my payment. I still can't get any answer about escrow accounts.
I transferred {$650.00} using Wells Fargo Sure Pay to what turned out to be a fraudulent Wells Fargo account on XX/XX/2016. I reported it immediately to the Wells Fargo Fraud department. I also reported the incident in person at my local Wells Fargo Branch. I provided the results of my own research to Wells Fargo. As far as I can tell, there has been no investigation into the fraud. Wells Fargo seems to have dropped the case. In order to open a Wells Fargo account, the account holder must provide a Driver 's License or Social Security Number. The account was originated in the state of Colorado ( according to the routing number ). It seems to me, that the investigation of the person who opened the account would be a fairly simple process for Wells Fargo. I reported the incident to the local police, and to the XXXX as well.
I 've contacted Experian,  XXXX  and  XXXX  in regards to some incorrect and fraudulent accounts. I sent in my police report my identification documents and so forth. I 've contacted the creditors who havemt responded so this is my  last stree t before taking it to civil or federal court. They have broken the law. Not marking my accounts disputed within 30 days, refusing to send me information regarding disputes or disputes validated, refusing to send validation information or methods and so forth. I 've disputed these accounts numerous times by certified mail and they have not been properly handled or responded too. I 've kept close documentation of communication and recorded conversation pulled.
I have called National auto finance to speak about my ex husband XXXX account which is paid in full. I only cosigned, He is active military. 
I have disputed this account for being in derogatory over 5 times on my credit report. Every time I call they say they ca n't find the account. But continues to dispute back negative on my credit report.
My son-in-law missed his truck payment om XXXX XXXX, due to cutbacks in the XXXX, it is a leased vechile, i signed for him, now they continue to call me every day, XXXX a day now XXXX XXXX is calling me the other is ally financial the main company ... .He sent them a payment, but they continue call my number..
This is the second ( 2nd ) time I have logged in to get my free, annual Equifax credit report and received the following message : " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Report online ''. I am instructed to request it by mail and have to submit a request form along with a copy of my Social Security card and a copy of my driver license. I DO NOT want my personal information being mailed to Equifax, nor do I want my credit report being mailed to me. This opens me to identity theft!! The mailed items give a thief all they need to cause havoc to my financial life. I have no trouble getting XXXX or XXXX ; I have them for XXXX. And, I received them in XXXX. I just received the Online Delivery Unavailable for XXXX from Equifax ; I also received the same in XXXX. I 'm not sure about prior to that. If Equifax can not provide the free, annual report online like the others do, please close them down! They have already caused enough anxiety and worry for consumers with their massive breach, which they failed to disclosed when they found it. I want my report online ; or I want Equifax to assume 100 % liability for any identity and/or financial problems I incur with my personal information being required to be sent via the XXXX. Thank you.
I have tried to resolve the issue of the payment posting date with XXXX. They were paid prior to the posting date and have documents to show. They reported my payment 30 days late to the credit bureaus. I called numerous times and all they send me is a letter to show the debt is paid in full. They are not helpful what so ever. I still receive call to get people to come purchase cars. I reached out to their social media no resolution. it made my score drop considerably. I wrote a letter to explain how I have made on time payments and to please reconsider and still nothing. I see numerous complaints from the company and this is the very reason why I saved to get a better vehicle and a company that actually will try to listen. I see this is a common practice with them. I tried disputing with the credit bureaus but all they did was update the paid in full date the same as the delinquent date which makes no sense. They just updated comments and didn't bother to further investigate.
i received a call from a lady named XXXX with the phone number XXXX XXXX XXXX XXXX and shed said they were issuing a subpoena for court to be sued. She then directed me to call XXXX XXXX XXXX to see the reason why i was being sued. XXXX then asked for the number XXXX gave me which was XXXX XXXX XXXX so i gave that to her and she came back to me with the reason i was being sued was for a debt with HSBC which was a credit card debt that was back in XXXX they have called me XXXX times threatening on this matter. telling me that the debt will XXXX if they have to take me to court and trying to force me to pay the {$1400.00} something that i owe. my dad private attroney said to file a complaint
Hello, I am XXXX XXXX I have a CITI bank home depo credit card account # Account # XXXX XXXX XXXX XXXX, in XX/XX/2018 I placed a fraud freeze on my credit at the credit bureaus, Citi Bank closed my account and sent me a letter stating that the account was fraudulent, I called them and told them that it was not and never wanted the account closed, they told me nothing could be done, I made several calls to all there departments including the fraud team, I talked to customer service and set up payment at {$100.00} a month and my minimum payment is {$35.00} conf # XXXX everything has been fine until XX/XX/XXXX I called to increase my payments and the agent told me the account was closed and I could no longer make payments at all I told her that payment arrangements are already been made the agent said no payments will be made and she told me that she closed my account and draft for payments to the account, Citi bank then reported me to the credit bureaus for a late fee and that the account was a CHARGE OFF/ BAD DEBT and THAT I WAS LATE ON A PAYMENT, I HAVE NEVER BEEN LATE AND ALLWAYS PAID MORE THAN TWICE THE AMOUNT DUE, now my credit dropped 60 points on all 3 bureaus, I called them back and I was told to fax a letter to the CBR dispute dept. at fax XXXX and that was the only way that I could reach them at all, I could not call them, I have sent many letters including the latest letter that I have uploaded to this claim, every time I call they do not care to talk to me or help me at all, I never wanted the account to be closed at all I have been making payments at {$100.00} every month even though this is on my credit as a charge off for bad debt and a late payment, would you help me please, thank you for what ever can be done to fix my credit back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX
Contacted transunion XXXX and transunion about a few inquiries that I did not authorize. Most came from when I purchased my car.But both of the companies told me to contact the companies individually, I have no relationship with any of these companies, and its their job to make sure everything on my report is correct and they have failed to do so even after I called to inform them.
I sent in 3 dispute about items on my credit. I for a copy of the original contract for about 90 days. They will send me copy or proof with my signature on it.

Equifax I sent dispute on XX/XX/XXXX, andXX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX and {$520.00} XXXX XXXX XXXX  XXXX XXXX I sent dispute on XX/XX/XXXX andXX/XX/XXXX andXX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX and $ XXXXXXXX XXXX  XXXX I sent dispute on XX/XX/XXXX andXX/XX/XXXXand XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX .
Order of events:1 ) I was notified of Bank Branch closing ; I recognized no other branch was convenient. 
2 ) I entered Branch and asked to have my accounts closed immediately ; They stated completed. 
3 ) Fast forward to yesterday. Attempted to add my name to newly married wife 's bank account in a different state ; Told by bank that I owed money on old XXXX bank account due to auto pay against the account after my closure of it ... 
4 ) I was willing to pay the amount though I should not have to. They say account debt sold to XXXX XXXX. 
5 ) XXXX XXXX states 5/3 bank took back debt on XX/XX/2014. 
6 ) XXXX Bank says no such debt for me to pay them but refuse to do a document to me stating I owe them nothing. They state it is with XXXX XXXX now and XXXX Bank. 
7 ) Called and transferred around XXXX Bank about XXXX times including hangups with XXXX resolution from anyone including supervisors. 
8 ) Basically I now have an outstanding debt of $ XXXX to be paid to??? no one but it is a negative on my record that it is impossible for me to resolve. 
I would like to have this cleared from XXXX XXXX as no one can tell me who I owe this money to. XXXX XXXX swears that I owe them XXXX ....
XXXX and TransUnion refuse to remove adverse accounts that have been " closed '' from my credit report. XXXX has verified that these reported adverse account are no longer valid. Accordingly, these adverse accounts were removed from the XXXX Credit Report. However, the collection agencies and the aforementioned Credit Bureaus refuse to accept the XXXX investigation hard copy dispute results as proof of their findings. I have written and spoken with the reporting collection agency, XXXX and TransUnion and they were all very critical about XXXX i.e., " We do n't recognize or go by what XXXX reports, we use our own methods of disputes ''. Note : How is it that the XXXX investigated results received from the same reporting debt collection agency handling all the same accounts in question, not be accepted by XXXX and TransUnion???
On XX/XX/2018 @ XXXX EST, XXXX XXXX XXXX XXXX XXXX received ( via certified mail ) my debt validation request. I did not receive a response from XXXX XXXX XXXX, XXXX nor their client Specialized Loan Servicing, LLC ( SLS ) until XX/XX/2018. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors can not verify the information within 30-days, they MUST delete and permanently remove all disputed accounts from the consumers credit reports. 

Failure to do so can result in a {$1000.00} fine per un-deleted item.
I have just found out that my data was likely part of the data breach experience by Equifax. I found this out not by notification from the company itself, but by news articles surrounding the situation and my own initiative to check their website ( http : //www.equifaxsecurity2017.com/ ) which told me that Equifax " believe that your personal information may have been impacted by this incident ''. My complaint is as follows : 1. Equifax should be proactively notifying consumers who are at risk for having their data stolen. This is a massive breach that could have major repercussions for the credit of millions of people. I should n't have to be figuring out on my own if my data was breached and what I can do about it. 
2. I believe that my data ( and all of the data in this breach ) was mishandled in the first place to have been subject to such a major security issue. 
3. It should not cost the consume a dime to freeze their credit due to the negligence of Equifax. Not only does this provide barriers for people to protect their identity ( not every can afford the " low cost '' ), but it makes no sense in a situation like this where data was exposed through no fault of the consumer. Make freezing & thawing credit free and easy.
All information in accurate and I have also been a subject to identity theft with numerous company like XXXX. I have been receiving calls from places I have never heard of before.
I have a car loan through a company called mas financial, they have repossed my car after I 've already made payment, they call me 20 times a day harassing me and my sister, they have texted my phone talking crazy to me and have texted my sister phone as well, is there anything I can do to solve this matter?
I have repeatedly contacted the 3 major credit bureaus to have my mortgage included on my credit report. They are reporting my mortgage with XXXX XXXX as closed, and the account is very active and still open. I even contacted my mortgage company XXXX XXXX about this and they stated that they are reporting to the credit bureaus monthly, and they are not understanding why it is not up to date with the credit bureaus. 

My most recent contact was XXXX 2017 with XXXX XXXX  and the credit bureau XXXX, XXXX and Equifax, I even conferenced a call with XXXX and my mortgage company and they ( my mortgage co. ) explained to them that my account is current and that they are reporting to them monthly, but the response from the bureau ( s ) was still that you need to contact your mortgage company and have them send update to them ( the credit bureau ).
Ocwen loan servicing has credited and debited amounts of 1,500.00 plus more than 20 times in a month. I have called their office several times asking for an explanation and they just stated that someone made alot of mistakes. I need a specific explanation of each credit and debit on my account for the months of XXXX and XXXX 2017. I received a call from my representative assisting with a modification from ocwen and he left me a message to call him back. I was advised that my modification was denied due to the paperwork being incorrect. I need a clarification of why and what was wrong with the agreement. I also need to know why HUD was advised that my modification was approved and finalized when on my account it still shows as me being behind and not being modified. I contacted the office of the ombudsman several times and was told they are working on it and it has been over 30 days that they received the modified papers back with my signature. I need the Administrator of the office of the ombudsman to contact me in regards to this mess.