WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/2017 I submitted a fax to prosper to change my contact info from ( XXXX ) XXXX to ( XXXX ) XXXX i warned them via fax that if i keep getting calls to this number i will be submitting a complaint i have call logs that they are still calling me to ( XXXX ) XXXX after asking them to update my contact info. 

Note : The keep calling from number ( XXXX ) XXXX The change of info went in effect as of XXXX/2017 and they are in violation of my request
I had a debt that I was completely unaware of from an apartment I previously live at which is XXXX XXXX XXXX. I discovered a debt on my credit from a Company of the name of XXXX which was currently handling the account. I contacted them, I was given an address to the office, I went down and paid the Bal of {$590.00} plus XXXX processing fee. Now I see another Collection agency is reporting the same debt to my credit report National Credit Systems, however this is already paid and I know this is completely unfair.
I have disputed this items several times with Equifax. To date, Equifax states that the item is valid and it remains on my credit report. However, neither Equifax nor the debt collection company ( XXXX XXXX XXXX ) have provided any documentation whatsoever that proves ( 1 ) the debt is valid and ( 2 ) the debt is mine. I HEREBY STATE THAT THIS DEBT IS NOT MINE, AND IT SHOULD BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Please delete the accounts as Experian has not fulfilled their obligation to verify the accounts according to the FCRA. 

I have tried disputing inaccurate information on my credit reports and Experian has refused and failed to conduct a proper investigation. I sent dispute letters in XX/XX/2018 and sent reinvestigation letters in XX/XX/2018 and XX/XX/2018. Experian has had a total of 90 days to investigate the inaccuracies and update my credit report, but they have failed to do so, and the FCRA now requires the items be removed. 

During the investigation process, the collection agencies sent me the records they have on file, which all included incorrect payment histories and the most blatant error was an account that is not in my name. 

Together with my reinvestigation letter, I enclosed a copy of my driver 's license and the collection agency 's record showing the account is in a different last name, but Experian still came back and said that the account has been verified as accurate. It's as if the people who are processing these disputes aren't even reading the letters or looking at the contents inside of the envelope! 

On XX/XX/2018, I mailed my final certified letter to the Experian Legal Department requesting that they delete the accounts on the grounds that they did not conduct a reasonable investigation within 30 days. The certified mail tracking number is XXXX. It was delivered on XX/XX/2018. 

I have attached the XX/XX/2018 letter to Experian and the proof that one of these accounts is in the wrong last name. 

Please demand that Experian uphold their obligation to delete all of these items from my credit report.
Portfolio recovery sued me, and than called and harasses me into paying this debt in 2012. Hoping that this is included in there case because I could use a partial refund for the harassment that I went through on this debt and continued harassment because it 's on my credit for another 7 years or so.
My car loan was due on  XXXX   XXXX  with Regions Bank. There is a 10 day grace period which I frequently have to use because I travel a lot for work. In the past I have complained to Regions Customer  Service Dept , (  XXXX   )   XXXX  about " courtesy calls '' made during the grace period during work hours of  XXXX  to  XXXX . I typically am back in town and make the payment before the end of the grace period.     Today  XXXX / XXXX /  XXXX  , I am back in town, on my way to get gas and pay on my car loan at a local Regions branch. However, while pumping gas, I missed d 2 calls, one from Regions and one  from my employer. After pumping gas I call my employer who tells me " Regions Bank just called and left a message for you to call them about your debt. '' I immediately returned Regions call and spoke with a Customer Service agent, expressed my disgust with their " debt collection disguised as courtesy calls ''. I informed them it was highly illegal for them to contact my employer and say anything about " my debt '' to them or any other third party. I then stopped at the  Regions Branch  office and paid {$320.00} on my loan which is typically {$310.00} and some change.
Bank blocked my online access. Even after I sent required paperwork, they told me to go to branch which is 2 hours away.
They went into my checking account with no authorization after I paid them once and took additional money they took ; XXXX XXXX XXXX XXXX XXXX all on XX/XX/2016
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX  and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX XXXX, XX/XX/XXXX.
When I was married, my ( ex ) husband and I consolidated our loans into a spousal consolidation. He filed for divorce XXXX  months later. Our divorce settlement ordered him to be responsible for the debt of the loan. He has failed to pay the loan and deferrred it for multiple years, without my consent. My understanding is that BOTH spouses must qualify for financial hardship. Im a XXXX  and make an income that wouldnt have qualified me. My ex either forged my signature or falsified information. Navient never contacted me to verify my income, and deferred the loan multiple times. Now, years later the interest has almost doubled the loan. My ex has stopped making payments. Ive been forced to make the payments for the last 3.5 years. We are on the income based repayment plan and the reduced payment is $ XXXX/month. Im struggling to afford this and also know its only paying the interest on the loan, which is {$160000.00}. My portion of the loan is only {$27000.00}. Im exasperated that Im held responsible for all the interest and that Navient never contacted me to verify my income. They approved the deferement without my consent. This is very wrong. I realize that Navient doesnt care about our divorce agreement. I would like to pay for my share of the student loan and not be responsible for my exes share. This isnt fair! Ive consulted with attorneys, but Id rather communicate directly with the server or government. Please let me know what I can do. 
Thank you
On XX/XX/XXXX, I sent a letter to all three credit bureaus asking them correct errors that appeared on my credit report. Both XXXX and XXXX XXXX responded promptly, by mailing me corrected credit reports. Unfortunately, I have not yet received anything in the mail from Equifax. I am starting to be concerned because it has been almost two months since I mailed the request, and they were supposed to respond within 30 days like XXXX XXXX and XXXX did.
Citi has a deceptive practice for notifying customers of past due balances. This practice maximizes fees, while leaving the cardholder with little regulatory recourse. I rarely use the credit card, and had not looked at the account recently. Without my knowledge, a charge of {$29.00} had been made to the account. After the account was 62 days past due, I received an autodial collection call to my cellphone ( which I did not consent to ) alerting me to a potential problem. The total fee accumulation was {$62.00} ( coincidently ). 

So now I have {$62.00} in fees, and possible negative credit bureau reporting over a {$29.00} charge that I did not make. If Citi was concerned enough to make a collection call after all the fees had been assessed ( day 62 ), they could have been fair and made an attempt prior to day 60, when it looked like payment was n't forthcoming. This would have provided me an opportunity to dispute the charge in writing ( per Reg Z ), and avoid the second late fee. The practice is unfair and unnecessarily drives up revenue, while leaving the cardholder with few options. 

To make matters worse, I called the collections rep ( via the number provided by the autodialer ), and she said that I could n't get help with my credit reporting concern unless I wrote to a P.O. Box. She said there was no number. After the conclusion of that call I tried the regular customer service number, and was placed on hold by the system. After ~35 minutes of being on hold, I hung up without the opportunity to speak to an actual person. 

Bottom line, I feel Citi maximized their fees at the expense of the customer, and failed to provide a reasonable means for exploring a solution.
Hi, we total losses a car end of XXXX XXXX, however the car lease payment was set up in early XXXX, so out of common sense we called to cancel the auto pay- there is no reason to pay a loan for a car that was total losssed. 

Our car insurance company worked with Toyota GAP insurance to pay off the full balance on the car- however as of today, toyota financial service have been harassing me by leaving phone message saying how urgent this issue is, and sending me mail by threatening g to sue me. 

Most ridiculously, they asked me to send back the lien release- I never even got it yet! 

This is insane and it seriously disturbed my life, we have suffered enough from the car accident, and now we have to face their harassment. 

Please help stop these nasty people.
This debt was discharged because of the age of the debt in the State of Maryland. The original debt was from XXXX XXXX and it has been many years since it became aged out. The company First Step Group and XXXX XXXX XXXX is continually calling and sending demanding letters asking for payment. Then in small letters at the bottom it says because of the age of the debt they can not sue or report it to credit reporting agencies. Yet, I think it would be odd if the law allowed them to harass me to the end of time. If the State of Maryland has said the debt is old and I do not have to worry about it anymore that is just what I have done. They bought this debt for pennies on the dollar and that does not give them the right to try and bully me into paying them, which I am not. I would like you to reach out to them because this company is breaking the law in the State of Maryland by trying to collect this debt.
The account was take off my credit report several times and they keep reinstating it, the bill is not mine and I would like it removed for once and all.
In XX/XX/XXXX my husband and I filed for Chapter XXXX  Bankruptcy. In regards to this particular account, XXXX XXXX XXXX XXXX, we filed a Chapter XXXX  Individual Debtor 's Statement of Intention on XX/XX/XXXX. We stated that the property would be retained in the bankruptcy and the debt was to be reaffirmed. We claimed the property as exempt. We had never been late or delinquent on this account. Neither us nor our lawyer received any documents from XXXX XXXX   after this submission. In XX/XX/XXXX we visited out mortgage broker to start the process of qualifying for another home loan, as we are ready to purchase another home and sell this current home we are in. It was discovered on our credit reports that XXXX XXXX reported to the major credit bureaus that our mortgage account had been " Included in or Discharged through bankruptcy ''. XXXX XXXXXXXX  quit reporting on this account in XX/XX/XXXX In each phone call to XXXX XXXX  we have been told different information. In one call the customer service representative told us that they do not send out reaffirmation letters. In another one told us they sent us one, that the letter would have gone to our attorney 's office. When I asked for proof that this had been sent they told me they only send them regular mail via the US Post Office and could not provide that information. Which I found odd since any letter that they ever sent us was also available online to view. I then contacted my attorney 's office who filed bankruptcy for us. Their office told me that EVERY reaffirmation letter they receive from ANY creditor is sent either XXXX  or XXXX  or USPS with delivery confirmation/signature required so proof of delivery is available. I have filed multiple disputes with XXXX and Equifax with no changes made. I have sent them all the supporting documents including proof of all payments made, Statement of Intent, a letter from our attorney 's office, and proof that we are current on our payment to XXXX XXXX. How can this account be being reported as closed when we are clearly making payments to them? Today, XX/XX/XXXX, I was told by XXXX   that the documentation I provided was not enough for them to make any changes. When I asked what was needed the agent told me they don't have a specific list of what documentation would change the status because XXXX XXXX is their client and they have to go off of what they are reporting. I feel the last 2 months of trying to dispute this have been a waste. What good are these credit reporting bureaus if they work for the companies that are reporting to them? Where is the consumer protection in this when there are disputes. This error on XXXX XXXX part is severely impacting our ability to get another mortgage. OnXX/XX/XXXX I submitted all the same documentation to XXXX XXXX and was suppose to have an answer from them by now about how to resolve this incorrect reporting/not reporting to the credit bureaus. I am including all documentation sent to XXXX XXXX and the credit bureaus as well as documentation of all payments made to XXXX XXXX.
I filed a dispute with  Barclays c ard about a late payment back  in  XX/XX/XXXX  . I called in  XX/XX/XXXX  and wrote a letter in  XX/XX/XXXX  after I realized this was listed on my report and asked for it to be removed as I was a victim of fraud with my checking account and had to close account out and it affected making my payments despite the reasonable case that I made, the creditor is acting unreasonably.
Equifax is currently reporting on my credit report that my contact information has an expiration date. It states, " Contact Information : Expiration Date XX/XX/XXXX : Date Reported-XX/XX/XXXX. '' My Equifax credit report has both a Fraud Alert and a Credit Security Freeze in place. My wife has the same alerts in place on her Equifax credit file but states nothing about a contact information expiration date.
I financed my vehicle with Toyota financial in XX/XX/XXXX and was to make my first payment XX/XX/XXXX. I made this payment then my due date changed to the XX/XX/XXXX. So my next bill was not due until XX/XX/XXXX. On XX/XX/XXXX my credit score dropped 24 points for non payment of XX/XX/XXXX which was not due yet. I called Toyota and they told me they did not report false information and I need to handle it with XXXX myself. Then on XX/XX/XXXX I made my payment days before it was due. In XX/XX/XXXX toyota again reported again that I am late and my score dropped an additional 80 points. I have all my documents to prove my side. I was in the process of buying a house, which I had to put on hold because of the dramatic drop in my credit score.
I am a XXXX year veteran of XXXX XXXX. Can short sale banks be held responsible for pushing around buyers of short sale homes. My XXXX time buyers have diligently responded to Short Sale Bank for the last 7 months. After receiving the go ahead approval letter with my buyers spending money on inspections, appraisal, etc., Short Sale Bank wants their appraisal doc. to see if the value has gone up for the last 7 months while they ( bank ) negotiated the short sale. They have once again postponed settlement while they reevaluate the price. How can a bank, no one else, open sale price up after committing to a written contract price while they took their time completing the approval process. 

XXXX.
On XXXX/XXXX/2015, I contacted TransUnion concerning several hard credit inquiries appearing on my credit report. These inquiries were made by third parties who DID NOT have my permission to pull the report. I made TransUnion aware that the companies/organizations who gained access to my credit report had no permissible purpose under the Fair Credit Reporting Act and that TransUnion had the responsibility under 15 U.S.C. 1681i ( a ) ( 5 ) to remove credit inquiries occurring without obtaining permissible purpose from the consumer. TransUnion has ( 1 ) refused to make the violators prove that they had permissible purpose and ( 2 ) refused to remove the inquiries from my credit report after failing to obtain permissible purpose from the violators.
I keep being harassed by a company named " Nelnet '' they also reposted this fraudulent debt on my credit report after it had been previously removed following a dispute which proved it to be fraudulent. 
This debt is a product of identity theft, I have already submitted a police report, an FTC report and two forms of identification ( my driver 's license & social security card ) According to the FCRA 605B a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ... 
I just want this nightmare to be over.
V A Loan 3/1 ARM  2.375 % - with adjustment period ending  XXXX   XXXX ,  XXXX . Loan holder -  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX  Utah,  XXXX  Loan Number  XXXX .   Loan Servicer  XXXX    XXXX   to date ; Loan Care   XXXX   XXXX    XXXX ,  XXXX   XXXX , VA  XXXX .   Loan #  XXXX .    Loan Servicer   XXXX   XXXX  to  XXXX   XXXX .  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , NC  XXXX  Loan #  XXXX .   I never received required legal disclosure per  12 CFR 1026.20 that the  interest rate was going to change until  XXXX   XXXX . I was required to get notice at lea st 210 but  not later than 240 days prior to the adjustment period ending. This was also stated in loan documentation. I called  XXXX   XXXX  and they told me it was the loan servicer 's responsibility. I calle d Loan Care  and they told me told me to check  XXXX   XXXX . I reviewed of all documentation ever received from  XXXX   XXXX  and there was no disclosure. I sent certified letters to  XXXX   XXXX   XXXX  and  Loan Care e arly  XXXX  stating the rate needs to stay the same 2.375 % for at least another year.   I received a letter from  Loan Care  dated  XXXX   XXXX , received  XXXX   XXXX , stating the interest rate was going to change  XXXX   XXXX  to 3.375 %. I need help getting both companies to keep the interest rate at 2.375 % for another year and to ensure they send me the required disclosures on time in the future.
I have a loan that closed with XXXX XXXX on XX/XX/XXXX. There was never a final inspection or appraisal done as required by the Holdback agreement signed at Escrow and was to be executed and funds released AFTER ALL REPAIRS WERE FINISHED, INSPECTED AND A XXXX APPRAISAL WAS COMPLETED TO INSURE THE VALUE OF THE HOME HAD NOT DECREASED. I have requested the FULLY EXECUTED HOLDBACK AGREEMENT from XXXX and they have REFUSED TO RELEASE IT TO ME. Instead, they sent a fraudulent agreement, that proves we were not satisfied with the Holdback agreement. We also can prove XXXX made us sign off on the Holdback repairs under duress. If we did not sign, they would return the {$2000.00} to the seller and we would be liable for all repairs. XXXX  and the contractors that did the repairs would be able to apply a lien on our home. XXXX NEVER DISCLOSED TO US THAT THEY WAIVED THE FINAL INSPECTION AND APPRAISAL/XXXX  UNTIL A WEEK AGO. They omitted and never disclosed this on any Loan Disclosures prior to closing. XXXX NEVER planned on following the Holdback agreement. They received the {$2000.00} from Escrow prior to the repairs ever starting, which is a breach of contract and then never paid one of the contractors. ( The contractor had to contact me to get paid. They received payment on XX/XX/XXXX. ) XXXX NEVER DISCLOSED ANY DAMAGES DONE BY THE SELLER, THAT WE REPORTED TO THEM 3 DAYS AFTER CLOSING AND PRIOR TO ANY REPAIRS BEING DONE. A final inspection and appraisal would have prevented this home loan from ever going through and XXXX knew this. They interfered with a contract to benefit from the loan. They did not look out for our best interest when they became the fiduciary, by taking control of the money for the Holdback agreement and then not FULLY EXECUTING IT AS WRITTEN. 
We have contacted XXXX XXXX XXXX XXXX to get a copy of the signed Holdback Agreement. As you can see, both the Escrow agent and XXXX did not follow the Agreement. Funds should have never been released. I spoke to XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They will tell you I never spoke to anyone until XX/XX/XXXX, but that is another misstatement by XXXX, who has denied that they had to follow the Holdback agreement. Only WE WERE FORCED TO FOLLOW THE TERMS OF THE AGREEMENT. According to XXXX, they COULD WAIVE ALL OF THEIR DUTIES BECAUSE IT WAS A " IN HOUSE '' AGREEMENT. That is not what we signed at Closing. 
XXXX has refused to speak to us any further. They state they have educated us enough, even though they have not fulfilled our QWR to turn over ALL signed Documents in our file. They sent 355 pages, 2 appraisals, but refuse to send the FULLY EXECUTED HOLDBACK AGREEMENT or THE SIGNED WAIVER OF THE HOLDBACK AGREEMENT, that would have disclosed the change of this document prior to closing. 
I have emails showing our duress as XXXX enforced the Holdback agreement. Never once did they ask if we were satisfied with the repairs or if we inspected them, but insisted the form was signed, or the contractors would not get paid.
EOS CCA put a collection account on my credit report without sending me any information so I can file a dispute.
I recieved a letter from a debt collector who works for XXXX to collet a debt of XXXX The colloctors phone number is XXXX
Dear CFPB : Could you get straight answers to the following questions from Chase? 
( 1 ) As of XXXX/XXXX/2015, our mortgage was current, and the mortgage balance was {$350000.00} on Chase 's book as {$350000.00} on our book. Chase claims that we are default because we did not make payments since XXXX/XXXX/2015. Explain the discrepancy and contradiction. 
( 2 ) Chase claims that they are foreclosing us according to the NOTE. 
Could you ask Chase to cite a sentence ( or sentences ) in the NOTE that is relevant to, justifies, or supports what they are doing? XXXX of our lawyers read the NOTE, but found nothing relevant.
The company, diversified adjustment has reported to the credit agency XXXX in the amount of XXXX this is a violation of the FCRA. this company has never notified me of any debt, I still have no idea who they are and why they are on my credit report.
To whom t his may con cern, I recently reviewed my credit report on  XXXX   XXXX ,  2017  and noticed there was improper usage on my credit report. There were several unauthorized credit inquiries from unknown sources listed, as well as inquiries that were removed, but have re-appeared. I have no knowledge of these unauthorized inquiries as well as the inquires that have re-appeared. This is having an impact on my  credit score a nd I am therefore seeking for all the inquiries to be removed immediately.     Thanking you in advance for your prompt action of this matter.     Kind Regards,  Concerned Consumer