WillisBack/dataset-financial-user-claim huggingface dataset:
I bought a pair of jeans at j c penny on XXXX XXXX and they asked me if I wanted to apply for a credit card. I said NO. on XXXX XXXX, I was notified I had a hard hit on my credit because I applied for a credit card at XXXX. I called them and dispusted it, XXXX XXXX is looking into it. Then I called the main store directly and was told the employees get perks for having people apply for credit cards. I want this hard hit off my credit and that person fired and charged with fraud. Completely illegal and wrong. I have a witness and receipt. Please help
Experian is reporting a account that is fraud and its not mines a car loan from XXXX XXXX i never open a account with this company its fraud and need to be removed off my credit report
Bank of America has executed a robo signed real estate document related to this account. However, there is no County Recorders Office record of the document. When I brought this fact to the attention of the single point of contact and requested a certified recorded County Recorders Office copy my request was ignored. Bank of America only response was to state that there is no requirement all real estate loan documents be recorded unless the bank intends to collect on any default through foreclosure. 
Fast forward to today, this document is now more than five years old and unrecorded. 
Bank of America has now caused to be recorded a Notice of Default and Election to Sell with California Declaration and a Substitution of Trustee on a now defunct Deed of Trust where no consideration has been made, accepted, or applied to the associated home loan mortgage account since XX/XX/2009.
Today XX/XX/18 Equifax denied me online access to dispute results & overall access to file future disputes because of company 's inability to accurately manage my consumer data
My mortgage company lack of security allowed my tenant to compromise my account and cause harm to me and my credit. She was able to gain authorization over my account and changed the contact information and went delinquent. I was n't notified because the contact information was changed. This was all done without my awareness or consent to account XXXX and XXXX on XXXX Mortgage XXXX. 

I have sent the following proofs of fraud on my account to TransUnion and they responded with ; that they will not block the subject submitted from my credit file. 

Compromising my account and taking actions as if they were me is a clear case of fraud, and according to the FCRA, fraud should not be reported. 
Attached : - XXXX police reports by my tenant- XXXX court cases of my taking legal actions to correct my situation- a forfeit letter written by my tenant. ( if you see the phone number on the letter, it 's my tenants cell phone number ) - XXXX letters of me escalating to my mortgage company to correct my account and also to secure my account ( Both have been a failure )
I mailed Ally On XXXX XXXX asking for validation of the debt as per The Fair Debt Collection Practices Act. They have not responded
Discover Financial Services has reported some negative marks on my Credit Report and is not presenting me with some option to resolve this problem.
I contacted Seterus Inc XX/XX/XXXX by email. I explained I was told I had a 60 day late payment on my mortgage history when I applied for a preapproval to buy a new home. I explained that I could not have been 60 days late in XXXX because I had sold the house and paid it in full on XX/XX/XXXX. I fully expected this was an easy fix. I emailed them on XX/XX/XXXX and attached to my letter was the closing statement showing the mortgage with them was paid in full XX/XX/XXXX. I also attached the credit report showing the mortgage was marked 60 days late XXXX. I am writing to you today on XX/XX/XXXX and my credit report is still not fixed. I called them almost one month ago now to say I never received a response. The girl on the phone told me the letter went to the wrong address. I ask if she could read the letter to me from the computer she said the letter said everything was reported correctly. I ask to speak to a supervisor. After one hour on the phone the supervisor agreed she could see where the mortgage payment for XXXX could not have been 60 days late. She said she would have a soft credit pulled and have it fixed. I was on my cell phone and got cut off. I called back in a few minutes not having the supervisors name the girl on the phone looked up my old account and said there were no notes in my file. I said could you please put my phone number in the Computer to make sure they have it fully anticipating the supervisor would call back because she said she would. XXXX I called back again and went through the whole story with another person XXXX XXXX. She apologized and told me I needed to write the 3 credit bureaus to have it corrected. I explained I know that process and it would require up to a 90 day wait.. I explained after All the time I had waited it would be much simpler and easy for Seterus to make it right they were the ones who reported it incorrectly. She said they could n't do it. I am writing this complaint for others also. I am a XXXX and this is NOT the first time this has happened. I did a loan for someone with a very similar situation last fall. I had to order a credit supplement which XXXX had to pay for. The underwriter turned he loan application down initially because of the recent late. The credit supplement XXXX ordered showed they were incorrect which helped him get the loan but did not fix his credit report. It is not fair the attitude they have. Everyone I spoke even including the letter I received takes no ownership in have to live in my son 's small apartment till I can get this fixed. I have to store my furniture. Please if you can get through to them for all the people like me who just want fair credit reporting can you help us. I am happy to pro idea the other name of my loan applicant if you need it.
My mortgage loan was sold by XXXX to Carrington Mortgage Service LLC in XXXX XXXX. I never got any statements from Carrington Mortgage until XXXX XXXX. When I talk to them and I have done so about 10 times they tell me fax us a letter that you want your statements as you had a Bankruptcy discharge in XXXX and we Can Not send anything. I told them I never had any issues with XXXX and they advised me your are we Carrington now and we have different rules. I just want my past XXXX statements from them so I cab Refi my house with someone else. also my credit union fax them a Verification of loan so I can Refi and they do n't want to answer that either. Carrington Mortgage should NOT be in business and checking the BBB they have XXXX active complains due to the way they do business.
I am having issues getting XXXX XXXX to correct the information being reported on my file. 
I have made a loan modification request to XXXX XXXX in XX/XX/XXXX as soon as I found out the account was in default and took charge of all of our financing. I am have not miss or make a late payment on the account since XX/XX/XXXX as you can verify with the Billpayer payment history with the exception of XXXX and XXXX when the loan officer who was handling my loan modification ask me not to make any payment in order to prevent any issue with since my load modification request was finally about to go through ; however XXXX XXXX keep making false report to all the credit reporting agency even after I contacted them via mail. I received a letter in XXXX stating that all the discrepancies will be corrected within six weeks ; however the company continues to reports multiple inaccuracies.
XXXX & XXXX 2016 Over Limit Reported To XXXX Credits Received Both Times Late If Applied On Time Would'nt Be Over Limit {$100.00} Process In XXXX & {$20.00} XXXX
I was using XXXX services for a while. I recently moved overseas the past few months and have been renting at a location outside of the United States, though I still have mailing address in the United States. I use this information to fill out a tax form on XXXX with intention to use their service to file for taxes, however, due to inaccuracies information on XXXX tax, I decided best not to use their tax services to file my federal tax return this year, not that I am required to file my tax return since I am actually exempt according to the IRS. 

What happened next is very interesting, the foreign address which I use to fill out my tax return on XXXX which I did not file show up on my Transunion credit report on XXXX website, not only that, the information on that is incorrect as I am currently in XXXX, and the information show an address that is of neither XXXX or United States, I am trying to make a determination whether the incorrect information is from XXXX or Transunion furthermore, this is not the first time I have experienced incorrect information on my credit report on Transunion as well as XXXX site, combining with the fact XXXX estimation of my tax is incorrect, I have decided to no longer use XXXX services. I would like to know whether it is XXXX or Transunion that is inputting incorrect information on my credit report. 
This is not the first time Transunion has provided incorrect information on my credit report and I think there is something every wrong with this credit report agencies. Including manipulation of information, deliberating change information of customers. I believed this many incidents which include some I have reported in the past show potential extreme corruption in this organization.
I did a debt consolidation for two of my credit cards because at the time it was hard for me to pay all of my cards. It was a Capital one platinum card and XXXX XXXX card. I was makng my payments on time but i recently found out that they kept saying they were late when they were always paid on time. can you help me fix this problem?
I am requesting a full refund of my deposit of {$1900.00}. Before enrolling into this program, I was told that I had to be approved for the program after a review XXXX XXXX records on my home : XXXX XXXX XXXX, XXXX, GA XXXX. I faxed XXXX XXXX my mortgage account information and loan modification denial letter and he informed me that 24 hours was needed for Core Advisory Group to review to see if I would qualify for the program. I informed XXXX that my loan modification denial was due to the LTV ratio on my home is not & gt ; 80 %. On XXXX/XXXX/16 I was informed via email the following information : Your XXXX record has been reviewed by our discovery assessment department for eligibility and you have been approved for enrollment in the LDR government complaint case program. The LDR program opens state and federal complaints with the federal regulatory agencies that govern your mortgage lender. The LDR complaint process forces a fair and transparent negotiation at the executive level with your lender, resulting in reinstatement of your loan with a fixed interest rate and payment you can afford based on your financials today. XXXX informed me that Core Advisory Group did not file the standard load modification paperwork where financials were submitted to the lender but used government complaints to force the lender to modify the mortgage. I discussed the reservations I had about enrolling into the program because I had already been working with a foreclosure prevention company on a loan modification and I had already been denied for that loan modification. In addition, a complaint was already filed with XXXX 's executive management team regarding the denial. The complaint was still in review at that time. XXXX reassured me that your program was different and that since I was approved for the program, I was guaranteed that I would not lose my home and that my mortgage would be modified although he could not guarantee what my new modified mortgage payment would be.
On XXXX, a payment due for XX/XX/XXXX, in the amount of {$350.00} was submitted from one of my checking accounts, posted, then was reversed. The SAME DAY, I submitted another payment, in the amount of {$350.00} from a DIFFERENT checking account. The 2nd payment posted to my Hyundai account, reduced the principal balance, but the DUE DATE did not update. Hyundai has acknowledged there was a " glitch '', but failed to correct my due date. Hyundai opened a complaint, but no resolution has been made. The funds were deducted from my XXXX XXXX " XXXX checking '' account, trace ID # XXXX on XXXX. Per Hyundai 's own payment history, which they provided to me, my principal balance on XXXX was {$16000.00}, and after the XXXX payment posted, my principal balance was then {$15000.00}. I struggled to make two more payments in the month of XXXX to bring my account current, but my due date has still not been corrected.
I had a motorcycle stolen from me. XXXX ins paid it off in full. XXXX sent a letter to XXXX XXXX saying the bike would be paid in full and the account has been closed. They also said they would be mailing the check out and that i XXXX XXXX was not responsible for the account as of the closing of the account. During this time they reported late pays on my account towards my credit that should not be on there. These late pays should be removed and my credit adjust. XXXX XXXX XXXX # XXXX SS XXXX DOB XXXX Please let me know how to get my credit fixed from this issues.
In response to my prior CFPB complaints against Equifax XXXX & XXXX I disputed XXXX judgments on my credit report. These judgments were part of the XXXX vs Equifax Information Services LLC Case No. XXXX XXXX settlement. In this settlement Judge XXXX has ordered Equifax to remove and delete all judgments from Virginia XXXX Court that are present on settlement members credit file. Equifax has refused to remove these from my file not once, but XXXX times.Today I spoke with the lawyers and counsel regarding this at XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. Email contact XXXXXXXXXXXX and they have advised me that Equifax has until XXXX XXXX to delete these files of the main settlement members. My claim id is XXXX which Equifax does have in possession as they have activated my free monitoring for 4 years, which was also court ordered for settlement members. My dispute is they are not conducting proper investigations because if they did they would have seen this settlement and the requirements necessary to comply with the court order against them. I am reattaching the summary of benefits that I am due because of the settlement in which referenced the inaccurate reporting of judgments, in my case my judgments were paid off in XXXX and XXXX. Equifax failed to update their status as paid and for 4 years I have suffered at the unpaid judgments listed when they had been paid. Equifax corrected this on XXXX XXXX, XXXX to paid and satisfied, thus admitting they reported incorrectly against me for years. However they have ignored the court order to delete these which apparently they may be waiting to delete all members at once, however the layers said me providing court documents and my claim id is enough for them to delete them all completely as they will have to have completed in XXXX anyways. I am attaching their investigation where they realized their mistake and changed my status to satisfied 4 years later. I see no issue why they ca n't delete these permanently as required under settlement details. They activated my membership for credit monitoring so they are very aware I am part of this settlement. I want these XXXX judgments erased immediately they have damaged my credit worthiness incorrectly for many years. I attached my summary, court order, dispute results changing the status and the refusal to delete when they are going to have to do it anyways but they did not investigate into this settlement accurately I provided the lawyers contact above.
I am filing a complaint against  Cavalry Portfolio Services, LLC,    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX  NY  XXXX  ( or  XXXX   XXXX   XXXX   XXXX , NY  XXXX  ), which has been harassing me since   XXXX   XXXX   claiming I owe them an amount of {$18000.00} on an account #  XXXX  I never initiated with them. They sent multiple demand letters to me and then notified the credit bureaus of my obligation to them, which is not valid. This has subsequently damaged my credit and prevented me from purchasing a home or obtaining other credit.     On   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   I sent Cavalry certified letters requesting validation of this debt in the form of a contract with my signature showing I entered into an agreement with them. They were initially evasive claiming my request was not clear and then finally provided their version of proof of validation, which were old credit card statements not having any connection to them and therefore is not valid proof of any obligation.     They have inaccurately claimed they treated my request appropriately pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, which states they have the obligation to produce verification of my signature and any documents showing I entered a financial arrangement with them. They have been unable to produce proper documentation and have reported false information to the credit agencies that I owe them this debt and as such are in violation of these laws. I am requesting they cease their attempt to collect a debt I do not owe them and have the credit agencies remove those items from my credit reports immediately.
There is a fraudulent account showing on my Chexsystems report with XXXX bank. This account was opened fraudulently in my name. I have attempted to contact Chexsystems on the number that I found on their website and have not been able to get a hold of anybody to resolve this matter. I have filed a police report and I am trying to get it to Chexsystems and have been unsucesssful.
A few months ago I disputed XXXX chapter XXXX bankruptcy entries with Experian ; after many attempts ; Experian continues to validate the entries and remove them from my report. In XXXX of 2016 I sent a letter straight to the Bankruptcy court at the address that Experian reported to me at the end of their investigation. The letter was returned to me undeliverable as addressed. this again shows that they 're reporting bad information. Please remove these entries from my report. I have uploaded documents proving my statement.
Information on Equifax credit report shows a collection which is not mine. It shows only I have disputed amount ... did not dispute that. Account is not mine to begin with. It shows that I owe a bill from XXXX XXXX that goes back to XXXX. At that time I lived at XXXX XXXX XXXX XXXX XXXX. I ca n't even get service in this area from XXXX XXXX. This is not my account or bill. It should not even show up on my report as a collection. Either it is a mistake or my name was used fraudulentlyXXXX and Equifax {$4800.00} account reported on XXXX XXXX, XXXX Open with XXXX going back to XXXX. 
{$480.00} XXXX XXXX XXXX XXXX Creditoropened with XXXX Collections XXXX XXXX, XXXXPlaced for collectionI have been at XXXX XXXX XXXX XXXX XXXX since XXXX. I haveXXXX XXXX ONLY at this address no other cable. 
Obviously this is not my account.
It came to my attention that FINANCIAL CREDIT NETWORK # XXXX in the amount of {$120.00} on XXXX 2016 has been reported that I owed. I have disputed this alleged debt that I have no knowledge and contract with XXXX. This report has harmed me and damaged my ability to obtain credit. I was never notified by XXXX about this alleged debt reported in error and inaccurate.
on XX/XX/XXXX I was called by XXXX of XXXX XXXX XXXX in XXXX oh. since I was a good client she offered me a new better loan. my ols loan would be paid in full with no XX/XX/XXXX payment due. instead they took the payment of XXXX $ out of my aact. and also charged me an overdraft of XXXX $ they finally put it back into my account. I feel the rate charged was way too high. she told me a 36 mo. loan then changed it to 42. the closing was done on the phone because she said her documents would not go to my email, no fool like an old fool.now I am stuck with a longer loan.i feel this was very deceptive.
XXXX XXXX has been on my credit report since XX/XX/XXXX and should have been then. They are on XXXX with XXXX XXXX a collection agency they hired. This is well over seven years and according to FCRA these should have been off in XX/XX/XXXX.
I closed on a property on XX/XX/XXXX financed by an FHA 203K renovation loan ( {$170000.00} purchase + construction = {$230000.00} loan amount ). The intent was for the house to be my primary residence following construction. The General Contractor submitted a zoning permit application to the local township on XX/XX/XXXX. The zoning permit would then be submitted with a building permit application to the county. On XX/XX/XXXX, we received a denial based on the fact that the existing use of the property, though single-family residential, is a non-conforming use on a Commercial zoned lot in a Commercial District. This was shocking to me since it was sold to me as a single family home! Commercial zoning was not noted on the property listing, appraisal, tax records, title paperwork, etc. I notified the representatives from the title company, mortgage company and my real estate salesperson on XX/XX/XXXX via email and subsequently spoke with them on the phone. Due to the complexity of these issues, I retained an attorney on XX/XX/XXXX and he began communicating with the mortgage company on XX/XX/XXXX. I found out just a few days ago that the loan has been sold! The new company servicing the loan expects my first payment in two weeks on XX/XX/XXXX on the full amount of {$230000.00} even though no construction was done! During settlement I was told that the loan would be sold but that it would n't happen until after all renovation work was completed. The timing of the sale of this loan is highly suspect. Also, apparently the lender did not pass along accurate and complete information to the new servicer. I am now in a position where I own a property on which I can not do construction and in which I can not reside. I also can not use it as a commercial property, even if I was inclined to do so, because my loan is based on this being my primary residence. And I now need to make mortgage payments on a property I ca n't use while paying rent for my current residence.