WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted XXXX and Experian by phone and by mail to dispute and have incorrect information removed from my credit reports after receiving the information directly from the companies. I have contacted XXXX and Experian the entire month of XX/XX/XXXXand XX/XX/XXXX by phone and U. S. postal mail. The companies also sent XXXX and Experian letters asking them to remove the information from my credit report as well and they are refusing to do so. Both credit agencies keep telling me that they can not remove the information only the companies can. I contacted the companies and they told me that they have notified XXXX  and Experian and that they will have to remove the disputed information not them. I have mailed letters and contacted them and I am not getting anywhere. The information still remains on my credit reports and XXXX and Experian is refusing to update my credit reports to reflect the correct information. I need assistance in this matter and the only other option I have left is to file a lawsuit against XXXX and Experian. I need assistance and for this information to be updated ASAP. The law states that information that is disputed must be updated or removed if not both. I am looking for my credit scores to go up with XXXX and Experian based on this information being removed from my credit reports. As of today the information is stil on my credit reports and XXXX and Experian is refusing to remove it. I have gotten no where with calling them and paying lots of money mailing the same information to them to remove the disputed information. XXXX  is the only credit agency that has updated this information without incident or problems. Once the information is removed from my credit reports I am also wanting to ensure that my credit scores do go up as well given that I've had so many problems with XXXX and Experian. Please assist me in this matter ASAP. I am up for renewal of my security clearance and I need for this information to be updated ASAP. Thank you for your prompt attention to this matter.
I purchased a set of wedding rings through XXXX XXXX XXXX and financed them with T.D. Bank and XXXX XXXX incorporated. I 'm currently on 0 % interest for the credit card but was informed after the promotional period expired the interest rate would hike up to 28 %. I 'm active duty XXXX and told them that and that I 'm covered under the XXXX. They told me this did n't apply to me unless I deployed. This is not the case and applies to anyone on XXXX orders.
I 've had a loan with Titlemax in  XXXX , AL for at least 5 years. During this time, an employee of Titlemax visited the home of my husband, now ex-husband, and the employee shared private information about my loan with him. My ex-husband then shared that info with family and friends, and he discussed my Titlemax loan during our divorce proceedings. I suffered emotional distress and embarrassment due to the fact that my ex-husband was able to discuss the Titlemax loan during our divorce and share the info with family/friends. Also, when I initiated the loan, I was misled and deceived by the sales associate. The sales associate did not make me aware that by repeatedly renewing my loan, the repayment interest would then be significantly higher.
This complaint is in response to XXXX XXXX XXXX XXXX - agent / in parity with document custodian XXXX XXXX trustee - for Morgan Stanley XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass Through Certificates XXXX XXXX XXXX XXXX number : XXXX - Reference previous Complaint -CFPB- XXXX XXXX XXXX Dated XXXX The XXXX is not of issue nor discussion, as Saxon was the secured XXXX XXXX to XXXX XXXX and the XXXX XXXX XXXX. The Trust took an insurance write off for the BK- per SEC XXXX XXXX 
XXXX obtained a charged off account as per their own ledger. XXXX in cahoots and parity with XXXX intended to steal and deceive by concealment and fraud for unjust enrichment through a foreclosure mill XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX created a Collateral file ; had to validate the debt and violated FDCP by wrong amounts owed and claimed false Note holder- the document custodian trustee- XXXX XXXX XXXX There is NO valid lien. The ONLY lien on subject property was with the prior owner for XXXX through XXXX. The chain of origination and holder due course UCC XXXX FAIL. IF XXXX and XXXX in parity are not forging documents- why NOT file a proof of claim in Court to show the valid transfers as how they obtained a blank note. In addition, XXXX forged my signature THAT is robo signing. XXXXXXXX XXXX 305 page response on XXXX is false and additional evidence of duplicate Deeds versions of one original. 
XXXX 's response is FALSE and deceptive- also criminal- the Deed does NOT give permission to break in my condo and stalk me- paragraph 5 page 1 and 1st paragraph page 2. ONLY IF THE PROPERTY WAS ABANDONED can the LENDER enter to make repairs. THAT is why they offer {$3000.00} for keys- to avoid Landlord Tenant Court. XXXX trustee for XXXX is NOT the LENDER. XXXX submitted Fake HAMP letters never sent ; XXXX has not responded to the fraudulent Deed Transfer created by XXXX and XXXX XXXX XXXX XXXX, as XXXX can not transfer something they do not have only RECORD submittals. XXXX submitted several versions of the Deed some stamped with Lending Connection some not. XXXX submitted fabricated documents back dated and they do NOT take robo signing seriously- as they would have done a better job than using XXXX XXXX and NO dates!. In their own admission, they submitted 305 pages of fraud to add to the other 150+ page ledger as they created documents. XXXX XXXX XXXX did mot stamp that " Note without Recourse '' or they are selling blank notes under XXXX XXXX protection. XXXX XXXX has not admitted to doing as such but XXXX certainly put it in their ledger scanning and endorsing from XXXX XXXX to XXXX XXXX in Blank. Where is Morgan Stanley Trust or document custodian XXXX XXXX? 
Pager 119 Of the XXXX Ledger when they forged my name bled on page 120 of the XXXX XXXX exhibit.
I am receiving double jeopardy on a Midnight Velvet account I had. Midnight Velvet is reporting the balance. They sent it to XXXX and XXXX and THEY are reporting the balance ... it subsequently was sent to XXXX and THEY are reporting the balance. XXXX collection balances reporting on my bureaus for XXXX ACCOUNT. This is a violation of federal law. 

I have disputed this with all XXXX bureaus and they left the balances on my files
My father died XX/XX/XXXX. I am his sole heir. He had given a power of attorney to a friend who helped him manage his affairs. XX/XX/XXXX, that friend received a letter from Santander Bank stating that my father 's bank account had been inactive for more than three years and that the bank would have to remit the funds in the account to the Massachusetts Treasurer 's Abandoned Property Department unless the bank was contacted. The friend forwarded the letter to me. I called the bank 's customer service number and was instructed to mail to the bank 's " fulfillment department '' my father 's death certificate and an affidavit stating I was the sole heir. I mailed those items on XX/XX/XXXX and have followed up that mailing with XXXX faxes of the same material. The bank will not acknowledge the correspondence. I have called the bank 's service center each time before sending a fax. The service representatives state that they do not have a phone number for the " Fulfillment Department ''.
Account is showing a late payment for XX/XX/2017 30-59 days. It was not late in XX/XX/ 2017. I contacted XXXX  and they told me they couldn't find a late payment. I asked the lady to fix the incorrect information and she told me that she would get someone to type the letter up and send it off to get the late payment removed.
My daughter took out a private student loan two years ago from Wells Fargo and we, her parents, co-signed.The condition of the loan agreement we signed was that payments did not come due till my daughter graduated, or was no longer a XXXX XXXX XXXX. She is still a XXXX XXXX XXXX, and has just recently been informed that her credit is ruined because her student loan is in default. Apparently there was a mistake, but Wells Fargo is dragging their feet on correcting their mistake, and meanwhile, my daughter ca n't even open a checking account as her credit score is so damaged by their mistake. They keep pressuring us to pay the whole amount, which is {$30000.00} to resolve this issue faster. But paying the full amount while our daughter is still in school was not the original agreement.
I closed a XXXX credit card that I had opened in XX/XX/XXXX. I had no history of account problems, paid on time each month, and have a {$0.00} balance. XXXX reported the account closed, paid in full, {$0.00} balance, and paid satisfactorily, however it was shown that the account was closed at the credit grantor 's request. I contacted XXXX multiple times and they told me they had submitted a correction to Equifax multiple times to have the status corrected. This was beginning in XX/XX/XXXX. It has not been corrected by Equifax and is still listed as " closed at the credit grantor 's request. '' Despite my and XXXX 's attempts to correct this, Equifax still continues to fail to correct the account status.
This complaint is against Wells Fargo mortgage department. I have a home equity loan and I have been giving bi-weekly payments for the last two years. 
My XXXX payment has been made as a usual bi-weekly payment. The funds have been withdrawn from my checking account but yet I have not been given credit for my XXXX payments. I have called five times and spoke with loan representatives and have been told there is no record of due payments. I have proof and receipts of the withdrawal.
This is a complaint from XXXX XXXX against Collection Bureau of America ( CBA ) for CBA 's failure to provide requested information for the debt alleged. On XX/XX/2017 consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/2017 CBA sent a letter including the statements from the original creditor, XXXX. On XX/XX/2017, consumer sent another letter requesting the chain of title or proof of ownership for the debt alleged. On XX/XX/2017, CBA sent another letter claiming that they have no obligation to provide such information, and again, sent the statements. There was also a discrepancy in the billing amounts -- The billing statements provided add up to {$310.00}, but the debt alleged by CBA is {$470.00}. The extra charges are for " accrued interest '' ( {$61.00} ) and " Collection cost Owed '' ( {$68.00} ). Neither of these amounts were " expressly authorized by the agreement or authorized by law. '' CBA has not provided any documentation which shows that these charges are valid. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
My Equifax credit report reflects    XXXX    different  XXXX  accounts with  XXXX  different balances. I have repeatedly requested a copy of any signed agreement between myself and   XXXX   XXXX    Neither Equifax or   XXXX   are able to produce any such agreement establishing the accoun t. Even though no contract or agreement exists, Equifax refuses to remove the fraudulent information from my account. My application to refinance my home has repeatedly been denied due to this fraudulent information. as a result, the home has been foreclosed on. I have lost my home due to Equifax and   XXXX    XXXX   fraudulent information.
Vehicle loan with B of A was paid in full in XXXX 2013, but there were late charges that had accrued over the life of the loan. I disputed these charges and it took several months before B of A finally responded. My parents paid the late charges on the loan in full thereafter. However, B of A is still reporting the ENTIRE loan as a charge off on my credit reports, not just the late charges, and is not showing it as paid as agreed.
On XX/XX/XXXX, I had rented a 1 bdrm apartment for $ XXXX/mos for a 6 month term at XXXX XXXX in XXXX XXXX, Sc. This collections balance had NOT shown up on my credit until recently. They had initially reported that I owed {$2100.00}. 
I then reached out to their parent company, XXXX XXXX, and spoke via email with XXXX XXXX regarding this erroneous charge as I only had a 6mos lease there. I had then sent XXXX some backup documestation, including my written notice to vacate, dated on XX/XX/XXXX. XXXX had then stated that this community required a 60 day notice, and I had only given a 48 day notice. She had also indicated ( via email ) that she was " unsure '' as to what this balance was from as nothing was documented. I agreed to pay her the prorated amount between the 48 day to 60 day notice, but I REFUSE to pay $ 2k+ as 1 ) I DID NOT owe it 2 ) Why was I never notified of this for 3 years? 3 ) I have EVERYTHING documented and never once did the former leasing agent reach out to me for this supposed " past due amount ''. With that being said, XXXX had decreased the amount due on my credit report {$1000.00}, which proves my point that that $ 2k+ balance was never owed & why would they randomly knock off half of the amount due? 

As I told XXXX, I will pay the prorated amount owed between the 48/60 day notice on the apartment, because that is owed per the contract. However, I will NOT pay this $ 1200+/- balance they are showing that is due because it is n't. And I have plenty of backup documentation to prove it.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these, und er Section 611 ( 5 ) ( A ) of the FCRA- they  are required to '' ... ..promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
i have a debt that is showing with this company that is fraudulent its due to my identity being stolen and opened up accounts that i had nothing to do with ... yet they have not removed the account even thoudh i have sent theme the appropriate documents regarding the identity theft.
I applied for a lending club loan on XXXX XXXX. Lending club advertises a start to finish application process of seven days. After 8 days, no documents have been reviewed so I contacted customer service. Customer service advised me that the process will actually take up to 30 days to complete. I feel that Lending club used Unfair Deceptive and Abusive Acts or Practices in their marketing of this loan. Had I known the process would take a month and not a week I definitely would not have user their service. I would have gone to my bank instead. This has put me in a pinch and I definitely feel that this constitute a bait and switch. I ask for your help in remedying the situation.
Experian is listing an incorrect address. Someone is trying to open accounts in my name fradulently. Experian would not let me dispute the information online, and when I called they are closed. 


EXPERIAN has a New Address on your Credit Report. 
A company has updated the address listed on your credit report. 
ALERT DETAILS Alert Date XXXX XXXX, 2017 Source EXPERIAN Address XXXX XXXX XXXX XXXX XXXX, WA XXXX
JP Recovery Services keeps calling my phone asking for someone named " XXXX '' at XXXX. I receive at least two calls a day with a robo recording. I answered once and was told by a representative that my number would be removed from the list. My name has not been removed and therefore I consider this harassment. I have no relation or knowledge of who they are trying to contact. I have had this number for a little over a year and have been receiving this calls this whole time.
Hello : Here is a concise summary of what has occurred. FromXX/XX/XXXX toXX/XX/XXXX I took out three student loans ( XXXX, XXXX and XXXX ) in the amount of {$25000.00}. In XX/XX/XXXX they were consolidated into one XXXX XXXX loan. In XXXX of XXXX I was diagnosed with XXXX. My doctor suggested that I get my personal matters in order as I would not be alive much longer. I had approximately {$20000.00} in personal debt and my student loans. So as to not leave my parents with this debt I declared personal bankruptcy. I was told by the judge that I could not include my student loans in a personal bankruptcy and would need to work something out with XXXX XXXX. After a number of conversations and completing an application including my Doctor 's signature and diagnosis, I was given a complete and total deferment of my student loans due to a permanent XXXX. I was grateful for this option. Almost 20 years later I began to receive collection notices about these student loans from various collection agencies. They were super aggressive and unforgiving. Unfortunately, I did not save any paperwork regarding these loans and their deferment. In fact, I did not keep any personal effects after my diagnosis. I was not planning on needing anything as I was given just months to live. I contested these loan collection efforts as these loans were Permanently Deferred in XXXX. My credit report suddenly had negative remarks and I am now limited financially. Loan Summary : 1 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, {$14000.00} disbursed XXXX & XXXX 2 ) XXXX XXXX XXXX, XXXX, {$8200.00} disbursed XXXX & XXXX & XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, {$2500.00} disbursed at various times. On XX/XX/XXXX I completed an application to consolidate these loans under XXXX XXXX. Thank you for your attention to this matter.
I have repeatedly, going back to the begi nning of  XX/XX/XXXX  have as ked  ProCollect Inc. , out of  XXXX , TX to provide documentation validating the debt " they say '' I owe. I have had fraudulent activity happen in the past and that is my main concern here. I was called several time i n  XX/XX/XXXX , b y a  XXXX   XXXX  and once by a  XXXX   (  that I remember and HEARD correctly because they sound so unprofessional ). They demanded that I pay almost  $ 5K f or an apartment that was listed under my father 's ( now deceased  )  girlfriends name. I have been trying to take care of this debt for several years now. I have wrote several letters to the company and asked several times over the phone stating " please send all of the documents showing I owe this debt, including the lease copy and all other supporting documents. '' This debt is now approaching 7 years in 9 months and I am still dealing with the unprofessional, rude phone calls. When I called a few weeks ago and spoke to  XXXX   (  around   XX/XX/XXXX  a bout    XXXX   XXXX    CST ), she verified who I was and said " are you willing to making payment in full today? '' I said well " hold on, '' and went on to explain the story and tried to get the supporting documents.  XXXX  ended up hanging up on me twice, since I was n't making payment that day. She did n't say anything about sending me the supporting documents either. I am starting to get really frustrated with this company, their lack of professionalism, they 're always super rude, demand money and if you do n't have the money then they hang up on you. I have now sent an email to th e Sr. Account Executive ,  XXXX   XXXX  because I was n't allowed to have his direct line. I have tried to have  XXXX   XXXX  or  XXXX   XXXX  call me back also, I have heard NOTHING. I am getting ready to call  XXXX   XXXX  if I am unable to get the supporting documents showing that this debit is in fact mine. If my name was forged on any documents then I will have NO OTHER CHOICE but to take ALL parties to court and that 's a PROMISE. I have a twin brother and there 's been times when stuff gets filed under the wrong name or fraudulent activity happens due to our names being very similar. I have tried and tried to play nice but I am n ow filing complaints with everyone including the FTC, CFPB, AG, SOS , BBB, De  pt of Licensing.
I am XXXX XXXX military member with the XXXX XXXX XXXX XXXX. I have a checking account with USAA. On XX/XX/XXXX mobile deposits were made into my account in the amount of {$6500.00}, {$6700.00}, and {$500.00} for a total of {$13000.00}. The deposits were made by a " XXXX XXXX '' XXXX XXXX XXXX, XXXX GA, and the check was from a XXXX XXXX XXXX XXXX Account. I do not know XXXX XXXX, how she got my bank account information, or how the deposits were made. On XX/XX/XXXX, several debit withdrawals were made in increments of {$1000.00}, {$1500.00}, and three ( 4 ) {$2000.00} withdrawals for a total of {$10000.00}. The withdrawals do not provide any information about who withdrew the money from the account. The deposits of {$13000.00} were also withdrawn. I spoke with USAA reported the incident, it was investigated, and was told that they could not help me because it was a " personal matter. '' I also spoke with a legal assistance attorney with the XXXX XXXX and was referred to this complaint system with the CFPB. Any help in the matter would be greatly appreciated.
I am a 100 % XXXX XXXX. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/2013. 

During the administrative work with SSA and US Dept. of Education and XXXX to process my XXXX discharge the loans were placed in late payment status. XXXX sent me a letter to correct this with all 3 credit bureaus. 

I submitted the letter from XXXX to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus.
I have had numerous conversations with CITI regarding my account # XXXX XXXX XXXX XXXX - Which was an old XXXX account that was converted into CITI through Costco. <P/>They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for XXXX 2017. I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to CITI and they have agreed to remove the derogatory reporting, yet as of XX/XX/2017 they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the CITI phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of XX/XX/XXXX and need written confirmation before then that this late payment has been deleted from my credit history once and for all.
I had a medical bill debt of {$28.00} that I did not know about for years after the incident. I never received collection calls so it just sat there. I checked my credit back in XXXX and saw it, so I paid it off. I saw it was still showing up in XXXX so I called the company and asked that it be reported. It is now almost XXXX and it is still showing up on my credit report as in collections.
ARS National Services needs to delete and remove this XXXX account from my XXXX  credit report or legal actions will be taken against XXXX and ARS National Services. I did not open this account. This is fraud and needs to be deleted and removed immediately.