WillisBack/dataset-financial-user-claim huggingface dataset:
I have  9 entries on my credit report for the same student loan with the U.S. DEPT OF ED - DI RECT. These loans were transferred to :  XXXX  several years ago. As of today  XXXX   XXXX   XXXX , my students loan accounts are in a satisfactory status. It lists this on my credit report under the new student loan creditor info :  XXXX . all of my loans were transferred t o one company  XXXX . and they are now current but even though I have entries that show that they are now current under  XXXX  I still have those 9 entries that are da ted as far back as far as  XXXX   XXXX   XXXX  on my report.       old compan y Creditor Contact Details U.S. DEPT OF ED  - DIRECT   XXXX   XXXX    XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  transferred to : Creditor Contact Detail s US DEPT OF EDUCATION/GLE   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WI  XXXX  (  XXXX  )  XXXX
Identity Theft - All this stuff is fraudulent. I need all this stuff removed from my credit report. I already put a freeze on my credit account. Please help me out. 

Alert Date XX/XX/2018 Source TRANSUNION Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, CA XXXX0- Company XXXX Alert Date XX/XX/2018 Source TRANSUNION Phone (  XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Company XXXX XXXX XXXX XXXX Date XX/XX/2018 Company XXXX XXXX XXXX Activity New Application About this Alert XXXX XXXX XXXX is a XXXX-based national bank with in-person financial centers, online, and telephone bank. Your identity may have been verified for a new account or access to an existing account Date XX/XX/2018 Company XXXX XXXX XXXX Activity New Application About this Alert XXXX XXXX XXXX is a XXXX-based national bank with in-person financial centers, online, and telephone bank. Your identity may have been identified during a financial transaction or discussion Alert Date XX/XX/2018 Source XXXX Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Company XXXX XXXX XXXX XXXX
XX/XX/XXXX
   Recently while checking our credit report we noticed CitiFinancial is showing us as delinquent on our mortgage payments, We have consistently made our payment on a prepaid bank card and the receipts and dates are all downloadable and printable from the card. But Citi shows us as delinquent or total non-payment as of XX/XX/XXXX. I know Citi is leaving the mortgage business and the account number has changed and been flipped branch to branch the last couple years< then they never update the info on theaccount.  We have called and talked to a representative that says the payments show up on her computer but isn't sure why its showing delinquent on the report. Called her back a few days ago and she says she's having problems with people in higher positions than her changing the false delinquencies as it's Citi"s policy not to.....smh. I know this all sounds crazy and unbelievable but dealing with this company has been a total NIGHTMARE for my family and I. My wife and I want to refinance with another bank but with showing nearly 2yrs. of non or late payments, this makes this nearly impossible.
XXXX Dispute Number XXXX Dispute Number XXXX An account with XXXX XXXX was settled on XXXX XXXX, 2015, in the amount of XXXX. During the next reporting period, which was XXXX XXXX, 2015 no update to the credit bureaus had been posted. On XXXX XXXX, 2015, I filed formal disputes with all three CRA 's, and within 5-7 days, all three reported my settlement as a single payment, with a derogatory balance remaining. This has further damaged my credit rating. I have attempted to call XXXX, who refuses to update. Also, two of the three CRA 's have stated that their investigation is complete. Not only did the company in question not stick to a written agreement, but my questioning them has lead to them reporting false information, when I physically sent in a copy of the agreement to transunion, with not even a furthur investigation by either of the three CRA 's ; as they deem, to be needed. This appears to me to be a vindictive action of the creditor, being upheld by all three CRA 's, all of which refuse to listen to me. This has hurt my credit rating even further, making it difficult for me to find proper housing ; as, I was left without the home during my divorce. I have settled with several other companies, all of which reported appropriately. I am just asking for the CRA 's to investigate further, which would require XXXX to be honest, and hold them accountable to their settlement agreements. Thank you. Also of note, my payment was sent the XXXX/XXXX/15, scheduled for delivery XXXX/XXXX/15, and picked up by XXXX XXXX/XXXX/15.
Debt Collector reporting false information on Credit Report. First Date of Delinquency as XXXX, XXXX dated of delinquency was XXXX, will not put account into closed status causing monthly continual reporting on credit report, also reporting as XXXX XXXX XXXX, false representation. On XXXX report reporting terms which is against regulation for collection agency. Attempts by myself to obtain verification of all information have gone unresponded to. Dispustes thru Credit Reporting Agencies have verified false infomation. contacted HSBC original creditor they will not tell me anything saying pra owns debt now, and that they can not verify debt. i dont know how credit agencies are verifying this then, my only thought is pra is verifying for hsbc. XXXX deleted XXXX lines off my report stating information was not valid.
I filed Chapter XXXX. I received a XXXX settlement and filed a dismissal that was voluntary. They continue to show wage earner plan and this is not accurate. I have filed several disputes and still same run around. I have XXXX mortgages XXXX XXXX XXXX and XXXX XXXX as creditors. They show paid but wage earner plan this ie not accurate. I sent my HUD Settlement where the house sold and both we paid by wiring funds directly to them. They have all documents and still refuse to correct and show sold they show payments made through wage earner plan All their information is wrong and I am being affected by my score and they continue to report errouneous info.
I have already sent a dispute to this credit reporting agency and it still show my account regional acceptance as open when is it payed off. The account should be showing closed account
they call and send letters for a {$720.00} balance on something that i have never had -????
XXXX XXXX XXXX has provided false report to the credit agencies that is destroying my credit. I paid XXXX in full last year when I left them and XXXX XXXX tried to collect debt I did not owe to them last year for the same thing as well. They removed thier false report after I showed the receipt of my payment to XXXX but this Diversified is not removing the false information and they are ruining my credit
I was checking my credit report and saw that on XX/XX/XXXX a debt in the amount of {$790.00} was posted to my XXXX credit report. The original debt collector is listed as XXXX XXXX XXXX XXXX  for XX/XX/XXXX. I have attached a document that shows the XXXX recording of the error on pages 7,9,11,12, and 13. I have never done business with a company by that name. I have no idea where this charge came from. It is not my charge. I never received written notification about the debt.I would like this erroneous debt removed from my credit report. I am reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX UT XXXX, Business Phone : XXXX, and LTD FINANCIAL SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX for fraudulent charges and collections.
VIOLATION OF FCRA. The mortgage company PHH mortgage is incorrectly reporting our last payment date for an account that is in foreclosure. We last paid our mortgage in XXXX XXXX and have been in foreclosure since XXXX XXXX. Recently we disputed the last payment date of XXXX XXXX and the creditor reported to XXXX that this date was correct when it IS NOT CORRECT AT ALL. It has been in litigation since XXXX and we HAVE NOT PAID NOR HAVE WE PROMISED TO PAY.
Trying to get a payoff balance to sell my house. It has been over a month. They have wrongfully put my account in collections. My account has never been past due. I am scheduled to close on or before XX/XX/2017. What should have taken one phone call to get a simple payoff balance, is now approaching two months, and is still unresolved. Please help!!! Thank you for your time.
I put {$10000.00} into a secured credit card with Wells Fargo. After nearly XXXX years, they would not release the funds and extend my credit. 

I paid all my bills on time, I had XXXX fico and kept my debt ratio below 30 %. They would still deny releasing my funds and would not give me ANY reason for the denial. 

About a month ago I walked into Wells Fargo and needed my money back because I am going through a divorce. I told the banker they can either do 2 things. 

1. release my money and extend the credit. 

2. I close the account entirely. 

The banker advised 1 - me if I wanted to close the account it would take XXXX days. 

2 - for a {$400.00} fee they would release the funds for me today and extend my credit. 

I left the bank feeling like the problem had been solved even though I paid {$400.00} to have them release my funds and extend my credit. About a week later, I went to my online banking and saw that my secured credit card was maxed out and the credit had in fact not been extended. 

Now they have already charged me {$400.00} after misinforming me, and now a further XXXX interest fee. The bank advised me that I would have to pay {$600.00} by the XXXX if I want to stay in good credit standing. 

I NEVER intended to do a XXXX XXXX only to close the account if they were not going to release my funds and extend my credit.
Selene Finance is been asking me for proof of hazard insurance of my apartment. As I leave in a condominium, following their request, the condo association sent proof of the insurance several times. 
0n XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 the condo association spoke with the following customer reps from the above company, to no avail : XXXX, ID XXXX ; XXXX, ID XXXX ; XXXX, ID XXXX and XXXX, ID XXXX. The proof of insurance was also faxed to Selene Financial for five times but the company still ask for proof of insurance. 
At this time, Selene Financial does not want to take note of the condo association phone calls or faxes showing the proof that the hazard insurance is been paid and they purchased themselves insurance for my apartment for about XXXX per year. They hold me responsible for this amount of money and started to charge me late fees on my mortgage payments. I want also to mention that the insurance on the apartment has never expired, being renewed in time by the condo association. 
They went so far as to return to me the checks I send as mortgage payments. Their motivation would be that the payment of {$740.00} I pay as monthly mortgage " is less than the amount required to cure the default on your loan ''. 
Please help me as I am XXXX years old, I live on a social security pension and I have several, very serious health issues. 
Attached you will find proof of the way this company treats me as a consumer, taking advantage of my age and my financial situation.
I moved out of an apartment in XXXX. I paid for rents due after going to court with the landlords. I have money orders to prove I paid them in full. A couple months after I left they sent me to a rent collection agency. 
I was n't aware of this debt being active and saw this reported on my credit report before they even wrote to me to inform me or give me the chance to dispute this. I was furious and contacted the company right away. I told Rent Recovery Solutions I paid in full and can prove it. Rent Recovery Solutions did not care or listen. They were so rude to me. I told them they should not report false information and did n't warn me. 
They said they did n't care what I am saying and denied me my rights. 
After disputing with them without response, I tried to dispute this with the XXXX credit reporting agencies. All three credit reporting agencies claim the debt was verified. I wrote to the credit reporting agencies and send my proof of payments. Still they credit reporting agencies and Rent Recovery Solutions are not acknowledging my payments. I need this to be corrected and removed. I should not be forced to pay this debt again because of their gross non compliance with credit collection activity. 
I need to take care of this since it is preventing me from obtaining a loan for my business. This is unfair and it has been months since I have been trying to fix this. Please help me.
XX/XX/2017 To XXXX XXXX I am advising you in this letter please do not contact my job or references any more. The only way of contact is through mail. If I or any of my references receive any more calls I am reporting you to the C.F.P.B. I do not have the money to pay yall right now I am sorry. 



Thank You, XXXX XXXX This is the actual letter I sent to the company listed above and they are still calling my job and cell phone. I requested to only have contact by mail. My job is on the line behind the harassment calls and I will involve my lawyer.
About a month ago, I received a letter from PayPal stating that someone attempted to open up an account in my name, When I called to speak to someone at PayPal, they stated that someone attempted to open a XXXX account in my name, applied for a PayPal line of credit ( I already have one ), and they turned it down because they could not authenticate my identity. Specifically, I have credit freezes on my bureaus which does n't allow for an underwriter to open a line of credit in a consumer 's name. After talking to several representatives, they stated they would close the fraudulent account opened in my name and flagged the PayPal credit application as identity theft. 

A few weeks later, I attempted to make a purchase on my PayPal line of credit through eBay, a purchase of about {$100.00}. They denied the purchase which confused me. A few days later, I received a letter in the mail stating they needed to authenticate my identity. So I called them, verified all the needed information, and the representative stated I would receive a letter in the mail in a few days regarding the account. During the conversation, I told him this account had nothing to do with the other account that someone had attempted to open in my name, and I was confused as to why I was being put through this process again. When I received the letter, they stated they closed the account due to fraudulent activity which is bogus. No fraudulent activity has ever occurred on this account ; rather, it was only on the XXXX account someone else attempted to open in my name. Moreover, I believe PayPal really closed the account because I had also reported them for improper billing, specifically charging me more on eBay purchases than what was advertised. They have stated they were shipping charges, but this is incorrect and a blatant lie. I have records from eBay showing there were no shipping charges on these purchases. eBay always itemizes shipping charges when the seller charges for them. 

Because it is impossible to get account resolution through PayPal 's customer service, I contacted the company through XXXX 's social media messaging about the ongoing problems. I told the representative, XXXX, how dissatisfied I was with PayPal and that I was considering reporting the company to the Attorney General 's office, the Consumer Financial Protection Bureau, and the XXXX. I also stated I would not use my PayPal account in the future, even though only the line of credit had been closed, because I was so dissatisfied with their service. XXXX 's response was flippant ; he advised me to go ahead and report them, an extremely poor response to a major customer service issue. I have made a screen print of his response for the XXXX ' records. 

Besides your organization, I have also reported this to the XXXX, the Attorney General of XXXX, the Attorney General of XXXX, and the FTC. Please contact me if you have any additional questions.
XXXX XXXX company has reported false information on my credit report that doesnt belong to me I never started here or know anything about this place by law its is against the consumer Report law to report false information on people credit report
I attempted to contact XXXX XXXX XXXX & XXXX XXXX XXXX XXXX since XX/XX/2018 and even sent a written correspondence requesting that they remove an inquiry that was reported on my Credit Report that I did not authorize. 

They informed me that they have no information on file for me. They told me they would have the inquiry removed and never removed it. 

I tried to reach out the all three credit bureaus ( XXXX, Equifax & XXXX ) and was told they will not remove any false or inaccurate inquiries and I would have to contact the " furnisher '' myself.
Equifax experienced a security breach and I have been identified as a potential victim. As a result, it 's possible that unauthorized parties have accessed my social security number, date of birth, address, and other private information that can be used to steal my identity.
About five months ago ( approximately XXXX or XXXX of XXXX ), my landlord contacted me to say that I owed rent. He said he had not received the rent check I sent him in XXXX XXXX. I contacted the bank, and they said the check had been cashed. I requested a copy of the check and no endorsement was legible on the copy. I told them the landlord says it did not get the check and asked them to return me the money because apparently the check had been stolen and they had let the thief cash it, even though the check was made out to my landlord and not to the thief. There has been a lot of mail theft from mail boxes in my area. 

The bank told me that it was too late to do anything about it, because the check was from XXXX, however I told them as soon as I found out about the fraud, which was after the landlord told me he was not the one who cashed the check. There was no way for me to know earlier that a thief had cashed the check and not my landlord. 

I have spoken to Apple Bank repeatedly, but they refuse to do anything, which is why I am making the complaint. The most recent time I spoke to them was about two weeks ago.
I been a victim of fraud I have called Experian serval times in a year the refuse to remove information thats not mines. There is 17 inquiries on my credit report that are unauthorized they keep giving me the run around to call the companies that ran it which I have done and they tell me to call Experian.There are also 2 collection account I do not recognize they will not provide me with verifiable information that they belong to me. I have 3 accounts thats providing incorrect information From XXXX XXXX, XXXX XXXX which where paid on time. I have a credit card that is not reporting I have asked them several times I can not get a strait answer .I hope this can be resolved its hurting my opportunities to open new credit lines and employment. 

Inquiries XXXX XXXX DATE XXXX XXXX XXXX XXXX XXXX DATE- XXXX, XXXX, XXXX XXXX XXXX XXXX  DATE- XXXX XXXX XXXX XXXX DATE- XXXX XXXX XXXX XXXX DATE - XXXX XXXX XXXX XXXX  DATE- XXXX XXXX DATE XXXX XXXX XXXX NA XXXX XXXX, XXXX XXXX XXXX DATE XXXX, XXXX, XXXX XXXX XXXX XXXX AMOUNT {$720.00} XXXX XXXX XXXX AMOUNT {$590.00} XXXX XXXX LATE XXXX XXXX XXXX DATES XXXX XXXX XXXX DATE XXXX Credit card not reporting -XXXX XXXX
I co-signed a rental agreement for my daughter XXXX XXXX in XX/XX/XXXX. She lived at the property the term of the agreement and moved out on XX/XX/XXXX. Landlord had agents present when we vacated the property and no problems were identified. There had been no damage, just normal usage, normal wear and tear.. XXXX called multiple times about getting our deposit back and was told it would be mailed but it never was. 

We then hear nothing until XX/XX/XXXX when a collection agency mails me saying we owe {$1900.00}. I replied on XX/XX/XXXX and again on XX/XX/XXXX ( certified # XXXX ). My letters specifically stated we disputed the debt and they were not to contact us again. I have received harassing phone calls in XXXX and continuing into XX/XX/XXXX. ( The XX/XX/XXXX call was around XXXX. ) These calls are from an automated system giving a call back number of XXXX.
I emailed a collection company name STELLAR Recovery Inc. back in XXXX XXXX, 2016 to remove a debt showing on my credit report and affecting my credit score. I received a phone call from one of the representative that did n't say her name nor a phone number to get a hold of her and I confirmed to her that the address on the debt does not belong to me and it belongs to someone else. I was told that the debt will be removed from my credit report. I checked again in XXXX XXXX, 2016 and the debt still shows on my report, so I sent a follow up email and I never received a respond up 'til now. 

I also filed a dispute with the XXXX credit bureau and still did n't resolve the issue. I was told to file straight with the collection agency or the original creditor.
I am a first time home buyer and I went under contract to purchase a property services by Select Portfolio Servicing on XX/XX/XXXX. As part of my due diligence, I ordered an Inspection ( {$400.00} ), Termite Inspection ( {$50.00} ), Structural Engineer Report ( {$500.00} ), and Appraisal ( {$450.00} ). I also placed earnest money deposit of {$1500.00}. After all inspections, damage was found on the electrical system, foundation, and plumbing as well as active termite infestation and a number a non-working issues with several items in the house. I provided the seller with a copy of the inspection, termite report, and structural engineer report. Seller advised they would have their own termite inspection performed which would take 10 days. On the 30th day, seller indicated they have not received results of their own termite inspection. After proposing to the seller to reduce the price to account for damages but to address the active termites, seller declined and countered to reduce the price by $ XXXX and leave the active termite infestation for me to address. I agreed due to the amount of money I was already out on this transaction. 

My closing date was scheduled for XX/XX/XXXX. A tax lien was discovered on XX/XX/XXXX, and it was communicated to me by my agent on XX/XX/XXXX that the property had been acquired through XXXX and that the foreclosure had never been done to wipe out the lien. I was left having spent {$1400.00} on a property I could n't purchase due to the sellers lack of due diligence prior to placing the property on the market. I requested to have earnest money and expenses refunded to me, seller declined to pay for expenses incurred due to their error stating the contract does not require them to reimburse me even though the sale fall through was due to their error and lack of due diligence. 

I am requesting assistance in getting my {$1400.00} refunded for inspections on a property that the seller had no right to market as available for purchase prior to having performed a foreclosure. This Company has extreme responsiveness issues and is setting consumers up to fail by not adequately overseeing their inventory. I now do not have the money to pursue another first time home purchase since I have now lost {$1400.00} due to the seller 's error.
My information was part of the large Equifax security breach of 2017. I quickly placed freezes on my credit with all 3 credit bureaus so I should hopefully be largely unaffected in terms of identity theft. Additionally, I placed freezes on my information with XXXX and XXXX. 

However, my information was shared with a third party without my consent. Additionally, I had to spend money out of pocket in order to secure my credit and to prevent unauthorized use of my personal information. I expect better from one of the three credit bureaus. 

In addition to the annoyance factor of this information leak, I now have to deal with the knowledge that unauthorized third parties now have access to my name, address, social security number, possibly credit card numbers, and more. This is outrageous and Equifax should have better secured this information.