WillisBack/dataset-financial-user-claim huggingface dataset:
I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXX XXXX.I received a letter from the United States Bankruptcy Court stating that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/2018. In again resent the information to the credit Bureau on XX/XX/2018 asking to verify this incorrect information. With out even looking into my concern, the resent me the same letter stating that it was verified stating that it was verified by a 3rd party consumer agency called XXXX XXXX. I then contacted XXXX XXXX on XX/XX/2018 voicing my concern ans and filed a dispute.. On XX/XX/XXXX I received verification from XXXX XXXX that the can not verify my Bankruptcy and it has been removed. I would like to have the judgement removed immediately due to the fact that it is not verified and not accurate information. Thank your for your support.
I was contacted by Halsted financial services.I asked if they could send me a copy of the paperwork that determined I hold the debt. They refused to provide me with the paperwork as well as hung up on me. I called back XXXX 4 times after being hung up continuously. After finally speaking with someone and requesting the documents again I was told no multiple times and that I would experience wage garnishments as well as being sued in court if I did not settle the debt immediately. I again asked for the proper documentation that showed I owed the debt the representative refused to send me the paperwork. I asked to speak with their supervisor and was immediately told no that is not possible at this time. I said I will have nothing further to discuss with you until speaking with your supervisor I was hung up on. I 've been called back and got the company name to file the complaint.
On XX/XX/XXXX I placed my objection to Credit Report issued by Experian showing an account with XXXX with an outstanding balance of {$480.00} still remained unpaid and thus affecting my credit score for which other financial Institutions declined their financial services. 

I sent in my dispute of that false information and submitted copies of the settlement offered by XXXX XXXX XXXX XXXX in behalf of XXXX back on XX/XX/XXXX, as well as copies of payments cancelling my debt as of XX/XX/XXXX ( that is TWO years ago ) as it can be proven with the attached documents.and requested Experian to delete this item from my credit report. 

Furthermore I spoke to Experian Customer Service about the dispute initiated and they only limited to tell me that I had to address my concerns directly to XXXX for which I rejected this procedure because they were directly involved in the lack of accuracy in my credit report and they were making business selling that information. 

Finally the most weird response came from Experian telling me that they can not honor my request alleging that because you did not provide sufficient identification information for us to verify your identity or the information you provided was not legible ( see attached letter ) I also spoke to XXXX  Customer Service and as per their instructions I faxed them the same documentation sent to Experian and toi this present date the issue remains unresolved affecting deeply my good record
Provider under contract with XXXX XXXX to accept their payments. Provider is refusing to honor contractual obligations and trying to collect more from me than the insurance company says I owe.
I refinanced my house in XX/XX/XXXX. Kentucky Housing Corp. reported that I was late the payment for that month. The loan was paid off in XXXX. I called KY Housing and talked to them about what was on my credit report. I was told to dispute what was on my report and they would fix it. Well XXXX was fixed but they reported me late for XXXX XXXX. The loan is paid off so they shouldn't reporting anything on my credit report because the loan was paid off in XXXX.
I 've been paying on my loan since I came out of forbearance, interest payment, etc. for several years. I make monthly payments but the amount of the loan never decreases, not even a XXXX. I have asked for loan forgiveness programs and others to decrease payment and has been informed that I do not gualify for anything. What really puzzles me is that the loan does not decrease no matter what I pay. 
My employment and service for 40 + years have been helping XXXX. At one time, I was told if I worked in this capacity I would qualify for some type of loan forgiveness but, I have yet to see this happen. Please help me get some relief. I pay and my loan continue to grow interest and increases.
I paid my account balance off in mid XXXX per the statement. On XXXX I received a bill for {$6.00}. I called Citi and spoke to a rep who stated it was residual interest. I asked for it to be waived considering a made a substantial payment of over $ XXXX, had been a customer for over 4 years and was in good standing. The rep passed me to an Account Manager where I was told it 's a valid charge and there is nothing she can do about it. I said this happened once before on a different Citi card and the residual interest was waived. The XXXX stated it should n't have been waived and I have to pay it. I asked if they were willing to lose a customer over {$6.00} and was told sorry if that 's your decision but it 's a valid charge. I expressed my dissatisfaction and could n't believe how I was being treated and closed my account. I paid the {$6.00} and will never open or use Citi in any capacity moving forward.
Bank of America without authority took monies out of an unauthorized account on XX/XX/XXXX with two account holders. I was not given this disclosure/ the account was part of a foreclosure home equity account. The funds taken were borrowed funds from my student loans and they were not authorized to withdraw. The bank also did not notify me, I complained about this in XX/XX/XXXX, letting them know that they never advised me of the delinquency and or notified me of the funds coming out of my account.
I am XXXX years old with a number of health conditions. Any monies after paying my household expenses end up being used in medicines and doctor 's bills. Such as co-pay and other expenses not covered by my insurance. I called Navient today to try to find out is there is some kind of forbearance or extra time that could be given. The voice on the other side said unless I pay XXXX dollars, there is nothing to be done. I thanked him and hung up. I know there are other people with low incomes and loaded medical bills hindering them from paying right now. I would love to stay with my agreement for repayment but is just unable to do so as of now. I have XXXX and at times are unable to work. Please see if something can be done, because Navient is ruining my credit score. This makes it even harder to come up with monies to pay them. Ca n't get any loans based on the delinquent amounts they send to the reporting agencies. Thank you very much for anything that can be done. Navient keep sending me emails and letters saying they will be willing to work with me. Then when I call them, they refuse to help me. Wow! 

XXXX XXXX XXXX work number
I bougth a car from Drivetime on XXXX. Drivetime was reporting to the credit bereaus faithfully until summer of XXXX. The automobile I have from them already have XXXX miles so I decide to trade the car for a better one. I visit Toyota Delearship on XXXX XXXX on XXXX XXXX and when they pull my credit quest what Drivetime stop reporting to the credit bereaus. 
The manager from the delearship told me that unfortunally they can not extend any credit at that time becuase no credit history. I make a report to you ... [ Case number : XXXX ) I was promise by Drivetime that this situation will be resolved, and has not until today. I attach the letter from them. I been paying my car with none 30 days past due what so ever. I deserved from them to report my credit history. The letter has been attach to you guys for further info and action please!
My problem is with Equifax. In XXXX I bought a new car, the dealer apparently check with several creditor to get me the lowest interest rate for the new car. All of this was done XX/XX/XXXX. I am trying to get a mortgage, My mother died and her house has been sold, closing on XXXX XXXX, XXXX. I am on XXXX and have no where to go. All of the inquiries the dealership for rate shopping are on Equifax as hard copy inquiries. They have a total of XXXX hard copy inquiries for this XXXX purchase of a car, done by the dealership XXXX XXXX in XXXX XXXX, MN in XXXX, XXXX. 
They are XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX Bank indirect XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX This has cause a negative effect on my credit score # 's under excessive inquiries on my credit report. I have tried to contact them 3 times, they are never available to help me. Is n't this in violation of the fair credit act? They themselves cause damage to people 's report. Now credit agencies have the power to totally control your life, whether or not you will have a roof over your head, or will be able to drive or walk. Yet when they are reckless on their reporting of your credit, they are n't held responsible for their mistakes, and they charge you to get a copy of your credit record they messed up. I need this information removed, since one can, look for car financing and mortgage financing to get the best rates without it seriously damaging one 's credit record. This is according to the fair credit act.
Caller ( Ph # XXXX ) claimed to be with Arcadia Recovery Bureau, asked for me by name, then asked for my birthdate as a verification. Caller refused to disclose the nature of the call unless I furnished her w/ my birthdate. I terminated the call. I have no knowledge of the agency named, but it 's evidently a collection agency. I 've no knowledge of any debts that would have been given to such an agency.
i opened an account with XXXX XXXX SERVICES on or about XX/XX/XXXX.Upon request after request XXXX XXXX has failed to provide accurate and correct info regarding the initial deliquency for this account to the XXXX CRA.I have supporting documents such as billing statements and a complete payment history from XXXX XXXX that states this account first became deliquent on or about XXXX XXXX, but XXXX is reporting to the XXXX CRA that the account first became deliquent in XX/XX/XXXX.I call this re-aging.I was promised by XXXX XXXX that they would fix this problem but to date they have not.i am beind denied from other retail stores because of this and this is causing me extreme harm to my credit worthiness.And this is also causing this account to remaing on my XXXX CRA longer than it should be.Furnishers should by law report correct information, but XXXX XXXX for whatever reason is not.The XXXX CRA 's keeps telling me this account will not come off until the year XXXX.
On XX/XX/2018 A Motion for Judgment on the Pleadings was mailed to my residence from Lloyd & McDaniel stating that a court date had been set for XX/XX/XXXX in XXXX county District court. This was the first knowledge that a lawsuit had been filed against me. I had not been served previously with a Summons/Complaint as described by Kentucky statue. Having not been properly served, I was not afforded the time to file an answer. 

Checking with the court, the lawsuit was filed on XX/XX/2018. I had previously written a letter to Lloyd and McDaniel stating my financial situation. The letter dated XX/XX/2018 was a letter in general and did not attest to any knowledge of a lawsuit. Lloyd & McDaniel used this letter as an answer to an unserved  summons/complaint. The letter was written over the 20 day time frame for an answer, so could not be construed as an answer. 

Lloyd & McDaniel was granted a summary judgment on XX/XX/2018. I am disputing this action. I feel that Lloyd & McDaniel has been granted this summary judgment using unethical methods to obtain the judgment. I have a letter from the original creditor that the debt was written off, but yet, the lawsuit stated that the original creditor was the Plaintiff.
I 'm filling a complaint because Equifax has ignored my request to provide me with the documentation that their company has on file that was used to verify the accounts and failed to show proof of original signed contracts. 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 questioned. Please resolve this matter as soon as possible. Thank you.
I made a payment to a joint account. The creditor applied the payment to the wrong account ( my husband 's personal account ) and has been calling every hour. They are calling from different numbers. I explained to the representative what happened and they have not fixed the issue. They are also contacting my employer. We have never missed a payment on any account from this company. They continue to call and it is now harassing.
The original creditor, XXXX XXXX XXXX never sent me a bill explaining my balance. They did keep my {$2400.00} deposit. I was unaware of this balance until i pulled my credit report. I called the corporate office several times and was told a manager would call me back and never did. I have never received a letter from the apartment complex or Hunter Warfield the collection company. They have however added {$2000.00} in fees. I have mailed letters to Hunter Warfield asking for proof of this outrageous balance and demanding proof of this debt. I have gotten no response from the collection company or the corporate office.
EXPERIAN DOES NOT SEEM TO PARTICIPATE WITH XXXX I HAVE ATTEMPTED TO REQUEST MY CREDIT REPORT FROM ALL XXXX BURAUS. EXPERIAN IS THE ONLY ONE THAT GAVE ME " UNABLE TO GRANT YOUR REQUEST '' MESSAGE. SAME THING HAPPENED WITH MY WIFE AND MY SON. 
WE WERE NEVER ABLE TO PULL OUR EXPERIAN REPORT FROM XXXX ALSO, THEY HAVE BLOCKED THEIR PHONE LINES WITH NO AVAIL TO REACH A LIVE PERSON AND HAVE BLOCKED ON LINE ACCESS TO MY OWN FILE THROUGTH XXXX OR XXXX THIS HAPPENED BEFORE AND SEEMS TO BE THE STALL TACTICS USED BY EXPERIAN. UNFAIR TO ALL CONSUMERS AND NOT A RIGHT WAY TO CONDUCT BUSINESS ON THE NATIONAL LEVEL!!!
navy federal is reporting acct as mine. after i asked to remove from acct because shows i am authorized on acct. will not give me acct details but says i am authorized user.
I sent them the fileing of my chapter XXXX XXXX XXXX 2016 Equifax has been notified by the courts my attorneys office and myself and they still do n't have it on my credit report in which is ruining my credit all together my credit report was XXXX now it 's in the XXXX s please help me they are not doing there jobs correctly and I am getting ruined XXXX and XXXX are reporting perfectly ... ..
WELLS FARGO : My husband and I just sent letters requesting reduced monthly payments based on our income, and provided financial documentation to prove that we are struggling to make the payments. This is the second attempt that we made to work with Wells Fargo to reduce our monthly payments. Both times, their response was that the combined income of our co-signers and our own income is too high to reduce our payments. My mother, one of our co-signers, has already been paying portions of our loans to Wells Fargo, and this is documented in our file. All of our co-signers are retired, and on fixed monthly incomes.
I would like an audit of all the funds that I have paid into XXXX XXXX n/k/a Navient, especially on how they calculate interest. By my simple math, I have paid {$15000.00} since XXXX/XXXX/11 on a loan that only totals {$30000.00} and I have not seen the principle balance go down not once. How can this much interest be charged and calculated so crazily. I do n't trust Navient 's math and I would like to see how they calculate my interest so that even though I have paid {$15000.00} over the past 5 years, my loan balance refuses to budge. I have a car, with higher interest rate than my student loans and I only have to pay that for 5 years. How is this legal? Where is the oversight? Who can audit this account to make sure that no funny math is being used. Over the next 15 years, at this rate, i will have paid over {$60000.00} for a loan that is only half that amount. How can my interest rate flux between 9 % and 10 % and yet the balance never goes down. Please check the numbers as something is n't right.
This debt is from 2011, a loan from a check cashing company. I became XXXX in 2011 and was laid off not too long after that, When I went into the check & go store, was informed they would not accept cash but illegally debited my bank account and had not given them access for EFT, I was turned over to this same agency and filed a complaint with the FTC and the case against the agency was won and the amount was supposed to been forgiven. Friday I received a phone call on my home phone asking for me, as soon as I answere yes I was told it is a attempt to collect a debt at no time did they identify themselves, when I argued with the girl on line I was transferred to a muscle guy who demanded I pay " or Else '' threatened me with legal action, when I informed him I was XXXX he said that they could seize my bank account, social security XXXX, and all my assets by that time it had escalated into a shouting match, I have received XXXX calls this morning in a row between my cellphone and home phone which was not anywhere on the original debt.
First Advantage is sending potential employers a background check on someone else. Nothing contained in their report is me. I am losing jobs over this.
Received a mailing from a company called Big Picture Loans ( www.bigpictureloans.com ) stating that I was pre-approved for a loan. I applied online, and halted the process - the company is charging in excess of XXXX % interest on their loans. In order to borrow the approved amount of {$550.00}, it would have cost me over {$3000.00} to repay over the course of the year following. Is this legal?
I am joint owner on my XXXX year old daughter 's saving and checking account at Navy Federal Credit Union only for the purposes of assisting her when needing to handle transactions as it pertains to her college education. I found out today XXXX/XXXX/15 that this financial institution transferred {$470.00} from my personal account I have with them to my daughters overdrawn account. When I inquired as to the reason I was told that a signed disclosure justified the transfer. I have no issue with the signed disclosure. My issue as explained to the representative was the amount by which NFCU allowed my daughters account to become overdrawn by. The amount of money taken from my personal account to cover this overdrawn balance is a hefty amount for me and was to be used to pay my own personal obligations. I had my daughter pull up her account information and the account was allowed to go into overdrawn status since XXXX 2015 and with her working on a part time basis she paid for these discrepancies. The charges were for purchases she made in addition to a slew of overdraft protection fees that were allowed and charged. This current policy and procedure has impacted me today in a negative manner and had I not looked at my personal account when I did, I would not have had a clue the funds had been taken. My daughter has been taught how to properly maintain an account and knows if she does not have the money to do without. I say this because I want to make the point that parents do teach their young adults to be responsible but it is rather difficult when you have financial institutions who allow young adults to take that extra mile. What regulations are there if any that would protect the consumer by placing reasonable limits on the amount of allowable approved transactions on an account that is already in overdrawn status? I will be filing a second complaint regarding the same institution about a credit card that my daughter was allowed to open while having no job and being a XXXX student.
i have purchased MoneyOrders from western union they have dishonoured those for their negligence and have been making several stories to defend their negligence. its been over 3 weeks they are still holding my money. it has hurt my credit as i used those MoneyOrders to pay XXXX XXXX their resons 1. they suspected fraud, 2. some named karina stopped them 3.agent called to stop them. all of the above are not true. they did not call agent to verify the transaction nor has the agent called them for any reason as they claim they should provide the letter to stop payment or a recorded phone call or if they suspected fraud they should have called the agent to verify my identity before returning the money orders
TransUnion XXXX XXXX XXXX should not be on my credit file. I have provided proof from them as Attach.
There was a fire in a home I owned. My homeowners insurance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a check to my mortgage company XXXX XXXX XXXX XXXX XXXX for {$42000.00} that was supposed to be given to me to rebuild my home, or used to pay down my mortgage. With it, they included a letter to XXXX Stating that if more money was needed to pay off my loan, that all that needed to be done was for them to ask for the rest of the money. I never received a copy of the check or letter. XXXX XXXX XXXX cashed the check but never credited my mortgage account. My original loan amount when I bought the house was {$62000.00}. I had paid it down to {$58000.00}. The check from state farm for {$42000.00}, was supposed to bring my balance down to {$16000.00}, but XXXX never credited my account. They also could have asked XXXX XXXX for the remainder of the money, or at least informed me of the check and letter, so I could have asked XXXX XXXX for the rest of it. Year after year, XXXX reported to all XXXX credit bureaus that I had not made any new payments to my mortgage, and that the balance was still {$58000.00}, when in fact they DID CASH the check for {$42000.00} and so my balance was actually only {$16000.00}. I made over 60 calls to XXXX XXXX XXXX attempting to get them to correct the balance on my account and no one was able to. I took it all the way to the office of the President at XXXX. Eventually, XXXX fraudulently Sold the entire amount of my loan ( {$62000.00} ) to a 3rd part loan servicing company called XXXX XXXX XXXX. XXXX, ALSO reported to all XXXX credit burreaus that I then owed them {$62000.00}. I also contacted them MANY times to tell them that I already paid it down to {$16000.00}. Despite my sending the credit bureaus a 2 sided copy of the check from XXXX XXXX that XXXX XXXX XXXX cashed, they still refused to remove the item from my credit report. I would like all negative items from XXXX XXXX XXXX and XXXX removed from my credit report. The copy of the check that was cashed by XXXX XXXX XXXX is attached. Also attached is my credit report. Please note the XXXX XXXX XXXX item is on page XXXX and the same item as reported by XXXX is on page XXXX.
i had done a modification on the mortgage and what i just found out is unbelievable. The modification was done for XXXX years and I am only paying the interest on the loan. I have been paying paying biweekly thinking that the mortgage principle was getting paid down. This is underhanded by the financier on the loan. That they are getting away with this. I also had my loan bought and serviced 3 times. Even though I was paying my payment through ach from my bank account neither one of the banks or servicer 's will remove any of the supposed late payments. First it was Country Wide, then Bank of America, then XXXX XXXX XXXX, then and now XXXX XXXX. Whom which told me that the loan payments are for interest only. 

XXXX XXXX How can they get away with this!