WillisBack/dataset-financial-user-claim huggingface dataset:
I have made several attempts to dispute hard inquiries on my credit report. Each letter ( 3 ) stated that I did not authorize the inquires on the report and asked them to Remove them. After 3 failed attempts, I sent out letters to all companies that I did not authorize a transaction with and they stated they did not have an account for me and sent a letter to the reporting agency confirming that it did not belong to me and a removal from my report would be a sufficient action. After waiting over a month for the inquiries to be removed, I called each company with said inquiries to confirm the process was complete. After being denied lines of credit due to excessive inquiries that were not authorized, I decided to file a complaint. The inquiries are : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Companies doing hard inquires days with each other. Causing  XXXX  or more hard inquires to hit my  credit score f or  XXXX  company.
this company is claiming that i owe a debt from a pay day loan i did not take. 
this is fraud and i did not take out a loan with this company.
I am a co-lesse for my wife 's car. The due date for this account is the XXXX of each month. We normally pay via website. On XX/XX/XXXX, my wife made a partial payment. On XX/XX/XXXX, we experienced a power outage due to severe weather. She attempted to make the rest of the payment and thought it went through via cellphone data. On XX/XX/XXXX, the payment was registered as 30 days late and reflected on my credit report. I was alerted via a credit monitoring agency. I contacted the creditor. They acknowledged that the payment was now posted on XX/XX/XXXX. We surmise that the remnant payment did not go through due to the WiFi failure during the storm on XX/XX/XXXX. They offered to restore it to " Current '' with the credit bureaus. As a precaution I also filed disputes. On XXXX, the dispute results came back " Current, was 30 days late ''. This registers as derogatory. On XXXX, I called the creditor and spoke with a supervisor. She said that their information is accurate and can not be removed. I asked to speak with manager or director. She said that her level is the last word. We've been longtime customers with a perfect payment history. There should be another review. Also they noted the full payment as late, even though part was paid on XX/XX/XXXX. Their information is not accurate as they claim.
Dear Sirs, I need your assistance after several attempts to have Transunion, XXXX, and XXXX to remove a derogatory account off my Credit Report. the account is with XXXX XXXX .The Credit Reporting Agencies after being asked to return proof that this debt is valid .I requested an original copy of the copy of the original contract with my signature and the company signature on it and stating the Originial amount on it the amount on the reports is {$12000.00}. After several attempts and letters this negative information is still on all my reports with TransUnion, XXXX XXXX. I am getting alerts with XXXX and XXXX XXXX stating that I missed a payment in which is lowering my score.Just last month I applied for a Auto loan and theCar Finance Manager said I could not get approved because my XXXX stated that I just had this month a repossession. I greatly need your assistance in getting this negative information removed. My credit and scores has suffered extensively. They also refused to remove the old addresses and inquiries and an Ex- Wife name in which I am no longer married to her for several years now. These are several dates in which I had sent numerous letters trying to get certain things removed like XXXX XXXX and they still refused to correct the information XX/XX/XXXX, XXXX. Hope you can be of assistance. <P/>Thank You
I checked my Equifax Report and Found a collection account from XXXX, I notified both XXXX and Equifax that these are Fraud and asked Equifax to block this account under FCRA Section XXXX and XXXX ( a ) ( XXXX ). Equifax failed to respond and did not follow the law and blocking these accounts that were setup as a result of my id information being used Fraudulently. I included the US DOJ Case # XXXX in my complaint, the DOJ arrested a person that has all of my info and also Fraudulent ID documents of mine and were selling it off to other people as well!!
Last XXXX 2016 I took on a mortgage through American Homestead in XXXX, MT. The whole process seemed seamless and very effective until after I signed all of the closing documents. Before I went to the Title company to sign a rep from American Homestead called to tell me that I would have to put down less money than was disclosed on the original closing disclosure documents. She said great news the owners gave you a buyers credit and you only have to put down x amount of dollars. I was a little surprised and confused at the same time. I asked her twice so I do n't have to put down the full 3.5 % down that the FHA loan requires and my payments will stay the same as what the closing disclosure documents stated. She said yes! I was elated thinking that I would have to put down approximately XXXX less than what was disclosed and my payments would stay at the XXXX. Long story short, 2 months after I signed the contract, XXXX the mortgage company sent me a letter saying that my escrow account was short and that I needed to come up with {$1200.00} ish or that my payments would go up {$100.00} a month for a year. I called American Homestead and spoke XXXX XXXX XXXX the head loan officer and explained to him the situation and he spoke semi aggressively and said that I was trying to take advantage of their mistake?! I was appalled with the nature of the call and decided I would just XXXX it up and make the adjusted higher payments. I have 4-5 payments left at the higher amount and it has been XXXX readjusting my calculated budget to make sure no payments are missed. On a side note my credit bureaus show perfect payment history and I intend to keep it that way even with the higher payment that was a surprise to me. Bottom line if I had been told that by making the smaller down payment than was originally agreed to and that my payments would go up {$100.00} in just a couple of months I would have stuck with the original down payment that I had ready to go from borrowing against my XXXX. The way the rep worded the sellers credit and the readjusted down payment was deceptive. The way I was talked down to by XXXX XXXX XXXX was uncalled for and I will never reconsider American Homestead or recommend them to anyone! Everything up until the down payment glitch was a great process. I was very happy with American Homestead until they made this mistake and told me that I was trying to take advantage of their mistake?! I was n't asking for extra money back, I just wanted my payment to stay the same just like the rep had told me, even after I asked twice that with the reduced down payment that my payments would stay the same! I am in sales myself and if I make a mistake I ca n't go back to the customer and tell them tough luck and by no means would I ever tell any of my customers that they are trying to take advantage of my mistake if I made XXXX. No one is perfect, I get that, but I was treated rudely and mislead. This is an example of how not to treat a consumer.
The bankruptcy listed on my credit report is inaccurate. Please identify the method that have used to verify the information in the bankruptcy. The bankruptcy belongs to another person with the exact same name as me living in my area. So do all of the accounts listed below. It is a violation of the FCRA to report inaccurate information. Please show me in writing the verification of my social security number against the actual paperwork shown on the bankruptcy. Not  one  that is displayed on a public website.     These accounts are also not mine they belong to someone else.      1.    XXXX   XXXX    XXXX   2.      XXXX   XXXX    XXXX   XXXX   XXXX  3.   XXXX   XXXX   XXXX    XXXX   XXXX  4.   XXXX   XXXX   XXXX   XXXX    XXXX  Please delete these items including the bankruptcy if you can not verify these within 30 Days. Verification means to be able to testify in court, under oath with written proof. You are also in violation for providing truncated account numbers. These are not my account numbers. None of mine end with XXXX. Please delete.
I have been having health issues lately and was hospitalized twice with the second hospitalization involving  XXXX . This happened simultaneously. While I was in the hospital my daughter made sure that all of my  XXXX  forms was completed and sent to  XXXX   XXXX  which carries the insurance for Synchrony Bank. Until this point I always made my payments on time.  XXXX   XXXX  never processed my forms even though I sent the forms to them quite a few times ( I have confirmations and emails to prove it. ) Had   XXXX   XXXX   processed my paperwork when it was received instead of waiting a month after I sent it to process it my payment would 've been made on time and I would n't have had no problems with my account. Synchrony Bank has closed all of my accounts which is unfair because I had no choice in deciding to become ill. I am so disappointed because this is making my credit look awful and if they research my history they will see that until I became ill and had to deal with  XXXX   XXXX  there was not an issue with my account. I had submitted my claim several times and was told that they never received them however, I received confirmations that says sent. If Synchrony Bank would look at the number of times I submitted my claims and when  XXXX   XXXX  should have paid them they will see that I did do my due diligence.  XXXX   XXXX  delayed processing my claim and claimed that it was not received. This is complete wrong and unfair. I pay for insurance and it should not be that  XXXX   XXXX  delay making a payment on the account so Synchrony will close the account and that relieve them of liability.
This company continues to cause XXXX on my life by stating that I owe a debt to them from XXXX, I have paid this debt and have asked them to remove this from my credit profile and yet they refuse, I 've also requested that they stop all communication with me both verbal and mail and I 've continued to receive automated phone calls and letters after the fact, I 've sent my recorded phone calls and letters to my lawyer and if they refuse to fix this issue I WILL BE FILING A CLASS ACTION LAWSUIT AGAINST PORTFOLIO RECOVERY ASSOCIATES
Beginning of XXXX I took a loan out through XXXX XXXX for XXXX. My intention was to pay the loan back within the first week of XXXX. Hours are short in my line of work during the month of XXXX typically so I do not make as much. But I receive a bonus on XXXX, which was why I planned to pay the loan back quickly. Due to unforeseen circumstances I was unable to do so. At that point I continued to make the regular payments that were due through my contract with them. After a month or so of paying them quite a bit of money and receiving an email that my loan had not gone down by very much I decided to look closer at the details of the loan. My interest rate was 167 %! By end of XXXX I had paid approximate {$560.00} and my loan had gone down by about {$75.00}. Of course this is my mistake for not looking at the details beforehand. In my case, it was because I didn't plan on paying through the full length of the contract so at the time I felt the details were irrelevant. Again, my mistake. But regardless of those facts 167 % interest is outrageous! I attempted to call the XXXX XXXX location to discuss the matter and spoke with XXXX, the manager on duty. Where she informed me that she did not think that rate was unfair and it was actually one of the company 's lower interest rates. For a company who, for the most part, serves customers in financial duress, this practice seems unconciencable. They are taking advantage of people at a low point. For the record my payments have all been made on time and will continue to be. I just want to warn anyone in a time of need to please use any other options! You will dig yourself a hole with this company that is very hard to get out of. After my experience I was able to find other companies with much more reasonable interest rates. Do your research. Hope this helps someone.
see complaint #  XXXX  when I logged into my account it indicates the the complaint was closed and settled with monetary settlement that 's not true , Well 's Fargo  agreeing to pay 2 months of fees ( {$41 0.00} ) after  stealing 4 years of fees is unexceptable complaint #  XXXX  states th at Well 's Fargo lin ked my credit card to my checking account therefore when an overdraft happened the y ( Wells Fargo ) wou ld move {$45.00} from my credit, apply {$20.00} to the overdraft and pay themselves {$25.00} in fees running up a total of approximately {$19000.00} in fees. I never consented to this overdraft protection nor did I consent to linking my credit card to my personal checking account. The  Enforcement Action  of     XX/XX/XXXX /16    directed well 's  Fargo to  compensate consumers for opening accounts without their consent or permission. This is no compensation, I w ant Well 's Fargo  to refund all fees associated with this overdraft I have c ontacted Well 's Fargo  and they refuse to compensate me through the enforcement action. We ca n't really expect them to police themselves, they have to be made to do so. They open an account without my permission run up fees, pay themself. We ( We ll 's Fargo  and I ) ca n't resolve this therefore I need help from CFPB
My parents and I had no clue what we were doing when applying for college aid. I ended up with private student loans, which seems to have been the worst choice. I have a teaching degree and now work in public health. I have XXXX different due dates for loans originally through AES but now have been sold many times. Their communication is despicable. I have no realistic way of consolidating these loans and would like some assistance/relief.
Mortgage with PennyMac. In error, I did not notice that they had been escrowing $ for my insurance of which I had on the property until the took an additional {$500.00} with my XXXX payment. My error. I have called them along with my insurance company repeatedly regarding and my insurance has sent over the proof declaration page multiple times. Every time I have called they say they did n't receive it, even once when I was assured the rep was on the phone with my insurance and would not hang up until she saw the fax. Well that was not true as we had to send again the week later. Also they say they take notes, but then they have nothing regarding. After numerous calls and runarounds, I was assured XXXX/XXXX/15 that I would be receiving a check for {$1900.00} from XXXX # XXXX and to call back today to see when it would be processed. Now after multiple runarounds, I am told that they do not have it, they have a 90 day binder and that is not enough to release the funds which 100 % contradicts what they told me last week. So again, I have to contact my insurance company to send them over a new declaration. They have had the documents no less than 3 times of what they needed. They are STEALING my money I am owed and was promised I would get on my phone call last week. I assume they are filing it to the wrong loan or something, because they can not get it right! I have spoken from the names I wrote down to XXXX # XXXX, promised call back, did n't, XXXX # XXXX promised would stay on hold with insurance company until she had correct form, have spoken to XXXX XXXX, today was XXXX who swears they only have 1 document which is wrong. This does not include the numerous calls my insurance company has made with them as well to straighten this out.
CACH violated FDCPA 1692-I by filing in the wrong jurisdiction which was XXXX XXXX, GA case on XX/XX/XXXX and dismissed on XX/XX/XXXX while the case was being held in XXXX XXXX GA as of XX/XX/XXXX under. case. It was time barred from giving the chain of custody given to validate party in interest under case in XX/XX/XXXX. FDCPA 1692F -K the frequency and irresponsibility of follow Federal debt collection guidelines in XXXX different incidents when it had opportunity to product the documents to validate it as party in interest it failed to do so from XX/XX/XXXX-XX/XX/XXXX showing persistence and determination to continue violations of FDCPA 1692. The unfair debt collection practices violating FDCPA 1692F to " ambushed '' and surprised the Defendant with a redacted bill of sale and affidavit of the debt 2 years after it was requested since the original filing case # by was unconscionable since they failed to produce copies on XX/XX/XXXX the bill of sale and affidavit from XXXX XXXX to Defendant.
Experian : XX/XX/2018 XXXX to XXXX XXXX. Tried to place a report freeze on line and received message that I have to mail specific items. I then created an account and Logged in, then called three different customer service ( sic. ) numbers which clearly connected to the same malfunctioning automated attendant which interrupted instructions with, " Sorry, I didn't get that '' at least three times, then finally asked for my S.S. number and once my SS and zip. I entered that and immediately received, " sorry ; we can not process your request via the phone. go to experian.com '' for assistance. I then attempted to call their U.S headquarters in both CA and IL. to alert them their automated attendant was malfunctioning. CA phone simply rang busy. IL location requested S.S. number and Zip, then offered two option : Fraud assistance or order cr. report. Again informed me they could not : '' get that '' when I attempted to respond to the auto attendant and hung up. They clearly won't talk with consumers and should be put out of business since I never gave them permission to keep track of my financial history.
XXXX XXXX also known as XXXX XXXX is reporting inaccurate billing information. Im not 30 days late and they havent updated any of my payments since XXXX. They reported 30-60 days late and affected my credit score terribly.
I incurred fraudulent charges XX/XX/XXXX and contacted XXXX XXXX right away. XXXX XXXX has since moved their Costco Members to Citi. I had to inquire with Citi on the same charges which I did XX/XX/XXXX as they had not been removed. I was then notified in XX/XX/XXXX that the dispute was not resolved in my favor. Not sure how this is possible as it clearly states I have no liability for fraudulent or unauthorized charges, and that is exactly what these charges were. I have since been charged interest twice on these charges and had to reopen my case which according to them is a new case that just started a couple days ago, when in reality it has been months. Mean while they continue to report these charges, along with interest to the credit bureaus and I get to take a hit to my credit every month they go unresolved. I have never accrued interest in the 15 years I have had a credit card and I have never carried a balance in 15 years so this is quite upsetting. I continue to not get answers and every time I call to inquire its like I had never made a call to them before. They continue to diminish my credit as a consumer and I have n't even used their card ( as they say its in the mail but it has been two months ).
In XX/XX/XXXX I made an agreement with CESI XXXX to consolidate and pay off 3 of my credit cards. They started making payments on my behalf until XX/XX/XXXX when I was told that all XXXX cards were paid off. Sometime in the spring of XXXX I started receiving letters from the XXXX XXXX XXXX stating that I owed {$1300.00} on a credit card from XXXX XXXX XXXX which was one of the credit cards that was supposed to have been paid off by CESI XXXX. I have spoke to CESI XXXX numerous times and they assured me that the debt was paid. They sent me a summary of all the payments ( Attach A ) they made stating that the balance they got from my credit report in XXXX was {$550.00} and since the card only had a {$400.00} limit, the collection agency ( XXXX ) was mistaken. Satisfied with this explanation I ignored the letters thinking it was some sort of scam. Around XX/XX/XXXX I started receiving letters from XXXX XXXX XXXX regarding the same XXXX XXXX XXXX debt. I requested my credit report from XXXX, XXXX and XXXX and all 3 said I did owe this amount ( Attach B ). I called CESI and they again assured me the debt was paid and they offered to send the list of payments they made to XXXX XXXXXXXX XXXX with check numbers and dates the checks were cleared to prove that the debt was paid ( Attach F ). I called XXXX to tell them I was disputing the debt and that CESI would fax them proof of the payments made to the account. XXXX claims they never received the fax even though CESI claims they sent it several times and received confirmations that it went through. I also called XXXX XXXXXXXX XXXX to request information about the balance because I didn't understand how a card with a {$400.00} limit could carry a balance of {$1300.00}. They said they couldn't give me any information because the account was closed and sold into collections and the collection agency would have all that information. When I called XXXX  to get a detailed summary of how the balance had grown to such a large amount they just sent another copy of the same statements I had already been getting for several months ( Attach C, D & E ). Lastly I asked CESI if they had a copy of the agreement they made with XXXX XXXXXXXX XXXX regarding the monthly payment amounts they would accept as part of my consolidation and CESI told me no. I only asked this because when I looked closer at my credit report the amount listed as the scheduled payment each month is much higher than the amount listed as the payment made ( Attach G & H ). I suspect this may be the problem but I can not get any more information from XXXX XXXXXXXX XXXX or XXXX and CESI insists they are not at fault.
WELLS FARGO KEEPS REPORTING THE MORTGAGE ACCOUNT THAT WAS CLOSED AND PAID OFF MANY YARS GO. BUT THEY ARE REPORITNG IT AS OPEN, ACTIVE AND BALANCE PENIDNG.. THIS IS VIOLTION OF FCRA AND WELLS FARGO RESPONDED STATING THEY " WERE NOT ABLE TO DETERMINE THE SPECIFIC CONCERN I HAD ABOUT MY CREDIT ' WHEN I CLEARLY STATED IT IN MY LETTER TO THEM AND ATTACHED A COPY OF MY CREDIT REPORT SEE ATTACHED AS EVIDENCE
This is the second complaint I have placed. The first has went without a response. I am in the middle of a current Chapter XXXX. I am 2 years in. My mortgage is with Ocwen Loan Servicing LLC . A few months ago Ocwen started returning my mortgage payments. I called Ocwen only to be told I no longer owned my home and it had been foreclosed on. ( It has not ) Ocwen is accepting my Chapter XXXX payments. I have asked to speak to a manager at Ocwen and they refuse to speak with me. Again, I make payments monthly thru chapter XXXX and make my payments to Ocwen every month. Today my wife and young daughter were home alone and XXXX men came to the door. They stated they were from the bank. They dug thru my garage. They tried to break into to my home. My wife asked them to leave and they refused. They terrified my family. They stated the home was lender owned. IT IS NOT. It has never even been foreclosed on.