WillisBack/dataset-financial-user-claim huggingface dataset:
I recently purchased a new vehicle from XXXX, the business manager ran my credit 3 times without disclosing me that he was needing to pull it. The representative admitted his mistake in pulling one and indicated he needed to pull from a separate source which was not disclosed. I filed a dispute with equifax online and after numerous failed attempts at accessing the report on their website was directed to call them. After speaking with a representative of equifax was informed they would not be able to dispute any inquiries despite contacting the creditor whom pulled to have them removed. No where on their website does it state these can not be disputed and was a complete waste of my time. I feel like they are refusing to protect my credit from these inquiries that were unauthorized and need assistance.
this issue concerns all three reporting credit bureaus I firm believer that the credit bureaus share information not only about your credit history and behavior but also about your race. beginning back in XX/XX/XXXX I began to rebuild and repair my credit I have worked very hard at this and I have been able to break XXXX on my credit score. as soon as I get as high as XXXX or XXXX one of the three credit bureaus will place something on my credit report that drives my score back to the XXXX to XXXX range and 9 times out of 10 it is in accurate or being reported incorrectly example one of the three will take inserts from my bankruptcy filed in XX/XX/XXXX put on credit report Experian just happen put XXXX XXXX on as charge off late 90 days + they did correct it after I contacted them. but this hurt my score but this the type of issues that I have to keep dealing with. I feel that this is very unfair treatment and design to keep your credit score from breaking that XXXX score as a small XXXX XXXX this practice greatly inhibits my ability to grow I can not obtain line of credit that I need to move forward. and I have lost out on opportunity 's that come my way I pray to god that can be fixed and this behavior by three reporting agency addressed and fixed.
I requested this company provide me with sufficient documentation to support this debt indeed being mine. I requested a copy of all documents ( invoices, summary of receipts, payments, etc. ) The company sent the attached document which is a mere form sent to my insurance company. I have never did any business with this company nor have I ever heard of them. This item is erroneous and should not be reported on my credit report. 
Delete immediately.
Hello, This is not the XXXX time I have submitted a complaint about OCWEN home loans but this is enough! As of right now they have people coming out to the property address and taking pictures. 
I have submitted docusments for a modification and I still havent gotten any word from them. I tried calling several times and cant understand anyone who answers the call. Its impossible to understand what they are saying except they are transferring my call and it disconnects. I have had it! Not only are they not sending us any of our information- this violates ALL consumer laws. Nothing has been sent to us except a big packet of paperwork showing they send everything to our previous address. I am not getting XXXX shred of documention. 
I requested a modification and they legally are supposed to work with us modifying before they foreclose ... however someone coming and taking pics of our property is usually a sign that a foreclosure is near- we have not been notified- or given paperwork or a chance to save our home. I am sick about this. I work for a lender and this would NEVER happen or we would have been sued over and over again. Ocwen needs to get their stuff together, I cant contact them because its a dead call and I tried to email them and got a return email. I am at a loss as I cant contact anyone and they are trying to foreclose on a home that was violated by many laws as well as RESPA- years of paperwork hasnt gotten to us.
On XX/XX/XXXX I suspended my XXXX XXXX account due to an overseas tour in XXXX XXXX ( Military ). Which I have orders to prove tour.A couple of months into my tour in XXXX I attempted to lift the suspension on my account to attempt to connect service where my dependents were staying in CA.When I tried to open the account back up my account could not be found.On XX/XX/XXXX, I opened a new XXXX XXXX account ( Account still active and still in good standing ) and made several attempts to rectify the issue having to do with the account suspended in XX/XX/XXXX.No information could be found on the suspended account. On XX/XX/XXXX after the current account had already been opened I received a letter from XXXX XXXX stating that my account had been sent to collections ( Already having a current account ). Upon receipt of letter I attempted to call XXXX XXXX directly to rectify the issue and it turned out that my information on the first account had been annotated completely wrong.Making it troublesome for me to be able to relocate my past account. When I was speaking to the representative the rep told me that there was nothing they could do, but that I could pay my account to rectify the issue.My wife 's name was completely wrong, my name was completely wrong, and my SS # had been annotated wrong by XXXX digit.This was a mistake on the provider 's part not mine.As of now, the " delinquent '' XXXX XXXX account negatively affects my credit even though I have a current XXXX XXXX account in good standing.
Tried to freeze this account bankrupckty approved and valid dismissed need removed off credit. Account was in XX/XX/2015. Credititors should not be able to see this banlrupckty. 2. Send a procedural request letter to the credit bureaus. If the bankruptcy is verified by the credit bureaus, you will next need to send them a procedural request letter asking them who they verified the bankruptcy with. The best way to write a procedural request letter is to use my sample letter here.
I was in the process of refinancing my mortgage and discovered a {$35.00} debt from Eastern Account System ( EAS ). I contacted EAS on XX/XX/19 and spoke with XXXX to have this deleted from my credit report, and was told that if paid, EAS can not delete from the credit report. 
Contacted EAS on XX/XX/19, and spoke with XXXX in second attempt to have the {$35.00} debt be deleted from my credit report, and was told " the only thing they would do is show a paid in full with a {$0.00} balance. '' Asked to speak to a supervisor, and spoke with XXXX, and was informed that EAS could not delete the {$35.00} debt from my credit. 
I have never received any communication of this {$35.00} debt, nor did I receive any communication stating the {$35.00} debt would be put on my credit report, which has negatively impacted my credit score
I have attempted to sign up for automatic debt with XXXX XXXX several times. When you select Auto Debt Enrollment on XXXX XXXX 's online payment website nothing happens. I called and spoke with a representative who enrolled me in Auto Debit, and the next month, I received a notice of late payment. I checked my account online, and it says that I haven't enrolled.
I have requested on several different occasion since XX/XX/2018 to investigate the two bankruptcies that are appearing on my credit report and several student loans.I sent letters certified in XX/XX/2018 and XX/XX/2018. I also sent regular mail letters with documents that were sent to me from the creditor themselves with information about my account. Equifax is claiming they are investigating and or reinvestigating the issues but to no avail they have not supplied me any proof of any document filed on my behalf.

I have security freezes on my social security number because of the data breach that I was a victim of. Equifax keeps giving me the run around stating that they have mailed me copies of my credit report when in fact I have not received a copy of my report since XX/XX/2018. I have tried to have a resolution to these things reporting negatively on my credit report but Equifax refuses to supply with the name of the 3rd party they are getting information from.
XXXX XXXX XXXX Experian are reporting on my credit reports that I am XXXX by listing my employer as " XXXX '' or " long-term XXXX '' and in doing so violates my right to have my personal health information/status protected under HiPAA. And also exposes me to discrimination by notifying creditors of my health status. 

No option is provided on either of the sites to remove this personal protected and privileged health information.
I opened my account with US bank at XXXX XXXX XXXX XXXX XXXX, Ca XXXX on XX/XX/2018. When I opened the account I had XXXX XXXX oops me out of overdraft protection. Any transactions made and there was not enough money to cover the purchase in the account the transactions would be declined. Once the bank seen a had a direct deposit someone started manipulating the account causing overdraft fees. I made a cash deposit of {$76.00} using the ATM at this particular bank and the money has disappeared. The money has been missing unaccounted for-for 6 days as of today with no resolution.
I CONTACT THE  XXXX  CREDIT BUREAUS DO TO FRAUDULENT ACCOUNTS (   XXXX   XXXX   , AN D  XXXX   XXXX   XXXX   ) THE CR EDIT BUREAUS GAVE ME NO VERIFYING PROOF. THE SE TWO AC COUNTS I GAVE NO ONE AUTHORIZATION TO OPEN THESE ACCOUNT IN MY NAME. I NOTIFIED THE CREDITORS AND CREDIT BUREAUS THIS INFORMATI ON   XXXX   OF 2015.
Machol & Johannes , LLC. intentionally sent a copy of a Writ of Garnishment to a third party, addressed vaguely so that it would be opened and read by someone other than myself. 

I am also certain it was sent to this address as a delaying tactic so that I would receive my mail late and be unable to respond in time to legal actions. 

On XXXX XXXX, 2013, I sent Machol & Johannes , LLC. a certified letter that included, among other things, very specific directions about how to contact me as I have a XXXX XXXX ( I live in a rural area ). The tracking number for the certified letter is XXXX XXXX XXXX XXXX XXXX. 

( This letter also indicated that they were not to contact me by phone, which they have continued to do. ) I also included information about my mailing address in court filings. ( The court has had no trouble sending documents to the proper address. )
Right as my chapter XXXX was ready to be dismissed, they filed a claim that I had not made a payment in over a year. They asked for Release from Stay and it was granted as my attorney did not file a motion to dismiss their motion. Their attorney stated to the Trustee that the lender would accept payments from us as long as we continued to make them. Of course, now the loan has transferred to a different lender who will not accept payments claiming we are too far behind. I have given proof of all my payments to my attorney who is supposedly working all of this out, but in the meantime, I have sent payment after payment and the mortgage company keeps sending them back. They did accept the first payment I sent to them in XXXX but said it was a mistake. XXXX mortgage companies even sent me address information to send payments to them and when I called and spoke to their customer service dept. in XXXX, they even offered to take payments over the phone. Now, they are stating that they never should have accepted payments or even offered to do so. They are playing off of each other and each company is contradicting what the other is saying. I have gotten XXXX different statements with XXXX different " past due '' balances and " due dates '', all of which are bogus. I have written a qualified written request asking for a complete account history beginning with the original creditor and they have not provided it. They did send me a history from the most recent company but only after me requesting it 3 times and it took them over 2 months to give me that. My account has been transferred 7 times since it originated in 2003 and it has been through numerous attorneys. There are too many account discrepancies to list on here, but they are claiming that I am too behind to catch up. Even my attorney told me that he sees this kind of stuff all the time and the mortgage companies strong arm the homeowners to fall behind even further by not accepting payments causing then to eventually be really delinquent. 
I have all the letter from the attorney and all of the returned checks. I am tired of the games they are playing. I also find it appalling that their attorney would lie to the Court stating in their written Motion that the lender would accept payments from me and then to find out that the lender had no intention to do so. 

I would personally like to see them fined for deceptive business practices and would love to eventually form a class to file suit against them and seek both civil and punitive damages.
XXXX XXXX XXXX appears on my credit report. I am trying to dispute the validity of the debt in the amount of {$620.00}. If the debt belongs to me, within the XXXX and the debt collector is licensed to collect in my state. Debt Collector has no contact information as all numbers have been disconnected.
There is a Auto loan Listed on my Equifax credit report for XXXX XXXX XXXX aka XXXX XXXX account number XXXX which is an account I have never placed with them. They placed it there in error I was told by XXXX and they told me to dispute it with credit bureaus but took no action themselves to correct it.
I have not been able to work through a huge issue I have with paying a credit card that accumulated to almost {$9000.00} with CAPITAL ONE while a college XXXX. Below is an email I sent to the President of CAPITAL ONE last Friday and have not received any answer. I need help or at least communication so I can work through my problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Financial Corp XXXX XXXX   XXXX XXXX XXXX VA XXXX XXXX XXXX, I have recently XXXX from college and have not secured a full time job yet. I have been working part-time for years while going to college. I am XXXX XXXX XXXX. 

I have a Capital One Credit card that started out with a lower limit and then increased to {$9000.00}. My annual income is approximately {$20000.00}. At one time during college, I was working full time and earning approximately {$31000.00}. 

I called Capital One customer service two weeks ago to ask if I could get a lower interest rate ( currently around 25 % ). Each month I pay on this card, {$200.00} goes toward interest and {$100.00} toward the balance. I can not get ahead and simply need help. They told me it was not an option. I explained with college loans and other debts, I owe approximately {$6500.00} in total debts and need to work with Capital One on paying off this credit card. Again, the customer service representative said they had nothing they could do to assist me. I then had my mother speak to them since she is helping me pay the monthly payments. She needed to leave but took her cell phone and continued talking to your company representative. She asked that the card be cancelled and they told her that it could not be cancelled. They said I needed to be on the phone again, although I had given her the authority to speak on my behalf. 

I thought about filing bankruptcy but do not want to list that on applications for employment. I also want to pay off this credit card but simply can't. 

I really need your help. I am a hard working college XXXX. I have paid my debts up until now but this Capital One Card has gotten out of control. Can we get the card cancelled? Can I get the growing interest stopped or lowered? 

It is not possible that I pay off this Capital One Credit Card without help from Capital One in stopping the huge interest charges. 

Can you please help me? 

Respectfully,
I have contacted and faxed Experian, XXXX, and XXXX   on several occasions asking them to remove the extended fraud alert from my credit report, but they have not removed it. I never gave them permission to place an extended alert on my credit report. I ask that they have this fraud alert removed immediately.
I have been working with Green Tree Debt Collectors about my mortgage payments. I agreed to receive phone calls on my cell phone and at work to talk with them, but the representative 's behavior this afternoon on the phone was rude, abusive, and inconsiderate.
DATE : XX/XX/XXXX RE : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 

RE : XXXX account # XXXX Dear CFPB : I spoke with XXXX XXXX from XXXX XXXX XXXX regarding my paid off old auto loan that is now disputed with Experian. I sent XXXX and Experian two disputes on XX/XX/XXXX regarding five late payments, they where never late XXXX did not credit the payments on time. They simply said they were accurate and I needed to provide then " additional supporting information ''. 

I had spoken with XXXX XXXX from Experian today XX/XX/XXXX and found the XXXX account not reporting the entire payment history beginning XXXX. There is four years of payment data history missing and I asked XXXX and Experian ( XXXX XXXX ) to include that payment history because it is not showing on my account. 

As per the Fair Credit Reporting Act information must be one hundred percent accurate and verifiable. Simply reporting the late payments and excluding the positive payment history is misleading and I am asking Experian to include all the payment history in the record.
I'm writing today because Security Auto Loans is reporting an alleged debit to my credit report with no proof. I have reached out to Security Auto Loans on more that one occasion requesting that they verify this debit. There has been no instance where security auto loans have responded back to me at all. I have asked them if they could send me some type of documentation to validate the debit ( preferably a copy of a signed agreement ) but i have been ignored with every request. The attached documents below are copies of the Latest letter that i have sent to Security Auto Loans requesting for proper validation of the alleged debit. The first letter dating back to over 90 days ago on XX/XX/XXXX and the most recent being XX/XX/XXXX. I have filed a dispute of the debit with XXXX who states that's security Auto Loans are responding back to them stating that the debit has been verified however Security auto loans has not provided XXXX nor I any documentation or information to which they have validated this debit. 

The following numbers are tracking numbers for a couple of the many letters i've sent to Security Auto Loans with regards to this issue. 

Tracking Numbers : Security Auto Loans XX/XX/XXXX|US Certified Mail|DV - Debit Validation|XXXX|Delivered XX/XX/XXXX|US Certified Mail|DV - Debit Validation|XXXX|Delivered No Reponse
When Working  w  ith The Collection Agency Professional Credit Services multiple calls was made to phone #    XXXX   XXXX   XXXX   XXXX   and  XXXX . I Was told on the   XXXX   XXXX   XXXX   by  XXXX  in the litigation Department that a refund of my garnishments was sent back on the    XXXX   XXXX   XXXX   either to  my home address or my employer. This was from a call initiated by me do to the attempt From PCS to garnish my wages for a second time. This was resolved by a copy of a document I had provided by the  XXXX   XXXX  stating they had paid for the balance owed the full debt, through financial assistance. After finally verifying the letter that was a receipt of the full balance being  XXXX ,  XXXX  then explained the garnishment amount was to be returned in full.   I had received the amount of {$440.00} already handed to me in form of a check issued on  XXXX / XXXX / XXXX  and was told that I would need to wait for  XXXX   XXXX   XXXX  to contact the client before I would receive the remaining {$830.00} and when  XXXX   Had  told me of the return of that {$830.00} on  XXXX   XXXX , I had went ahead and used my credit card to make purchases expecting the check to reach my employer or my mother 's by the time I would got paid on the  XXXX . I had already called my employer immediately following my first call with  XXXX  the week prior to the  XXXX  when  XXXX  informing me the check was sent out but yesterday on the    XXXX   XXXX   XXXX   I called the payroll department to follow up on the check to see if I should  use my Credit Card anymore and that 's when I was told that the check has not been sent out yet and that PCS is still deciding on how to send it out.   I have been working with PCS Sense  XXXX  when I first received the notice of the next round of garnishments which ended up happening fo r two p ay checks and PCS immediately returned the {$440.00} when I had sent the documents through email. But to find out that I was lied to several times through multiple calls along the lines of " You are not receiving the garnishments back '' from the first full round taken in  XXXX  too " The check was sent out '' and now the result of  XXXX  's lie is there are purchases on my credit card that will become a financial burden because I was lied to which is deceiving behavior.
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed Equifax, XXXX XXXX and XXXX  showed Chapter XXXX Bankruptcy that I find to be problemat. 

I contact XXXX County records and asked them to take action to get this Bankruptcy removed from their records and to erase any public record with all credit reporting agencies. They assured me they do not report any Bankruptcy to any of three agencies.Whatever steps necessary to resolve the issue, but I wanted to contact XXXX County records well, just to make sure this gets done. I have confirm that three agencies use a third party like XXXX to do there investigation. All three agencies has incorrect information and they need to full investigation. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I  look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,
Hello, So a couple days ago I had gone in to apply for an apartment and received a notice back saying I could not be accepted because I have a consumer frozen file. I have gone into the Experian credit bureau and spoke with all three credit bureaus on the phone and was told because I have absolutely no credit there is no files that come up under my name. I have received the document the apartment is seeing and it does show that I have a consumer freeze. Please help me as soon as possible so I can get into my new apartment. If there is a freeze I would like it removed immediately!
SYNCB/XXXX XXXX Account # : XXXX was opened in name without my consent. Therefore, this fraudulent account needs to be deleted and removed immediately from my XXXX credit report.