WillisBack/dataset-financial-user-claim huggingface dataset:
Attached to this complaint is all the evidence and records proving that Experian is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting even after I provided them proof. 

An investigation needs to be done regarding Experians abusive and reckless method of verification process. 

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from Experian, A copy of this dispute will be used as evidence if needed. 

The following information is being reported inaccurately, falsely and unfairly by Experian. 

XXXX XXXX XXXX XXXX # XXXX On XX/XX/2018, at XXXX, I called and spoke to a representative at the XXXX XXXX XXXX and she notified me that Experian did not send them any of the documentation I sent Experian regarding any dispute and they in turn did not send Experian any documents regarding this account. So what did Experian use to verify? ... She also informed me that they have NO SIGNED PROMISSORY NOTE whatsoever for this account Experian is reporting. 

Experian is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from Experian 's inaccurate reporting. 

METHOD OF VERIFICATION I would like Experian to provide me the name of the original creditor, the address and phone number of the original creditor, the person at Experian who verified the dispute with the XXXX XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If Experian can not send me these simple items, then I demand the account be deleted. 

I do not consent to XXXX as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 

Experian must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. XXXX can not hold in court as per the noted court cases. 

XXXX v XXXX  XXXX XXXX XXXX XXXX v XXXX ( Experian ) The XXXX  data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This XXXX model of verification must stop because of the many fraudulent accounts it may create for consumer credit reports! 

At this time, Experian does not need to falsely verify this account again. The only acceptable thing they need to do now is to delete it immediately! 

I demand to see Experian 's method of verification and the documents they relied upon to verify this account at the time of my dispute regarding this particular account as per the FCRA.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. There should also be more regulation on this industry. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
I recently noticed that XXXX is once again reporting past due payments on my credit report for all of my accounts with them. The issue is that all of my school loan accounts are in forbearance due to the Department of Education continuing their investigation into fraudulent practices by XXXX University. XXXX has been aware of this but off and on they report a delinquency on my credit report despite their knowledge of this.
I have XXXX loans that are reporting as No Status on my Experian report. I have disputed this account as I disagreed with the balance and date of final activity. Instead of the information being updated or deleted, it has been updated to " No Status '' with no information available. The tradelines also state " Account in dispute under Fair Credit Billing Act ''. 
The dispute has ended according to Experian. In addition, Experian will NOT allow me to dispute these accounts anymore. If they can not verify that XXXX is reporting correctly, these XXXX tradelines should be deleted from my report as soon as possible. I have applied for credit and these " No Status '' tradelines have caused me denial of credit.
Federal Law gives me the right to notify XXXX.of errors regarding the servicing of my loans which resulted in the foreclosure of my property. The " ASSIGNMENT OF THE DEED OF TRUST '' a total of XXXX with number XXXX recorded in the XXXX XXXX County Recorders Office XXXX XXXX on these dates : XX/XX/XXXX Doc # XX/XX/XXXX-XXXX and XX/XX/XXXX Doc # XX/XX/XXXX-XXXX and XX/XX/XXXX Doc # XX/XX/XXXX-XXXX. These Assignments are " VOID '' as determined by the XXXX Supreme Court case XXXX. I am requesting thatXXXX XXXX provide me with their accounting of this loan and copies of the Assignments.
I was sold a Privacy Assist product from Bank of America. Upon a recent review of my account statement, I was still being billed. A quick internet search found that Bank of America had been fined for these practices and products. Per the CFPB website : " Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB has the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Bank of America ended the marketing and sales of credit protection products in XXXX XXXX, canceled all existing accounts as of XXXX XXXX, and provided six months of no-cost coverage to consumers enrolled as of XXXX XXXX. Bank of America stopped marketing the identity protection products in approximately XXXX XXXX. '' I had to call Bank of America to get them to stop. The agent that serviced my card was " unable to assist '' and attempted to transfer me to a different entity that would do so. That transfer failed. I found the correct service number and was able to cease service, however the agent had no knowledge of any prior action against Bank of America and informed me that a charge may still appear on my bill for XXXX XXXX. 
As a side note, while online with Bank of America, they offered a credit tracking service at no fee. Why is the company offering me a free product, while charging me for the same service at the same time?
I, and my girlfriend both have PayPal accounts with a Business Debit card attached. We normally purchase retail goods and services with the debit card, and we fund the accounts by buying PayPal XXXX cards. In the time that we 've had the accounts, we have made a couple of ~ {$20.00} transfers to eachother and we 've each withdrawn a very small amount of our balance to our connected bank accounts once. Just recently PayPal said they are permanently locking my account and effectively freezing my money in the PayPal account for half a year! I did n't realize they were so strict about small withdrawls/transfers!! I was under the impression when I received a warning awhile ago that they did not want me withdrawing large amounts after depositing XXXX cards into the account.
My real estate property tax was not paid by either mortgage company, XXXX XXXX XXXX ( OLD Acct # XXXX ) or Bank of America XXXX XXXX XXXX # XXXX ). My tax payments are escrowed. I have an outstanding NYS Property Tax bill of {$1000.00} for XX/XX/XXXX- XX/XX/2016 My mortgage was transferred XX/XX/2016 from SPECIALIZE LOAN SERVICES ( I 've made complaints about this company in the past ), to BANK OF AMERICA. Neither mortgage company paid the property taxes. My last XXXX XXXX XXXX annual escrow statement shows a payment of {$410.00} paid out but to whom? XXXX XXXX XXXX or Bank of America has to pay the taxes out of the escrow. The mortgage payments I made included the XXXX tax payments already. Where did that money go? I called XXXX XXXX XXXX XXXX. and was hung up on, Im guessing because I called close to closing. She could have called me back. Their customer service was never great. I called Bank of America and was told to call XXXX Services. I am given the run around. Please make them pay my XXXX XXXX tax. I already paid through mortgage payments. Specialize Loan Svcs ( old Acct # XXXX ) XXXX XXXX Bank of America ( XXXX Acct # XXXX ).
On XX/XX/2018 I sent a question to Navient via their website and have received nothing back in regards to it apart from a automated email saying they would get back to me shortly. In light of this I sent another email on XX/XX/XXXX, and again got an automated reply but no answer. I'm attempting to learn how I can make sure that payments I make are made toward the principal sum of the loan rather than accrued interest ; this information is time sensitive for me.
This has been going on for more than XXXX years now. I contacted them and advised that I never took out a loan with XXXX XXXX. I advised I was seeking counsel because I have good credit and many fraudulent charges were being made against me. I sent them letters and also called and spoke to supervisor XXXX and was told this was to stop. This company left me alone for XXXX years and here we are again with them trying to collect {$280.00} I am so fed up with this and almost gave in but this is so wrong and fraudulent I am seeking your help desperately at this time as this has become burdensome to me and my family to have to keep reporting this company.
XXXX  needs to delete and block this account immediately because it is fraudulent, XXXX XXXX XXXX   Account # : XXXX
I have two mortgage loans with Carrington Mortgage Services. The company purchased the 20 year old loans from XXXX XXXX XXXX about two years ago. They reported these loans as 30 days late when there was a problem with their website after I had paid online. That was approx a year ago. Last month I paid payments on both loans on the website as I do every month and they were paid prior to the due date. Last month I went to pay early for XX/XX/XXXX payments and one of the loan shows it was not paid for XX/XX/XXXX. Once again paid both of the loans at the same time on line and got email confirmation of receipt. I called and asked why, they said bank returned the payment, which was a total lie as the bank did not return anything since there was 100 times more than the payment in the account. I called Carrington again, now they have different story after I told them bank did not return pmt, and turns out there was one digit off in the automated system on one account and correct on the other account so the payment did not go through. I was NOT contacted this payment didn't go through or I would of paid it again sooner as I did the moment I found out. I told them this should not be reported to credit agencies as I was not notified. They refused. Further, I have contacted them two times in writing as they are reporting these loans under my name when in fact these loans have been in the name of a corp since loan was made, I mailed them letter and proof the properties were purchase in corp name and so were the loans since day one 20 yrs ago. I faxed and mailed the letter and supporting documents a month ago and again zero response. They should not of ever been reported on my credit. They refused to correct this, not once but twice now.
I have been unable to obtain a copy of my report. I attempted to do so online XXXX and they said that I answered XXXX the security questions incorrectly. I tried again and it locked me out. I never obtained a copy of my Experian report. I tried ordering it by phone instead. Now I have received a letter telling me that I have already gotten my report for the year. I do n't know what to do to make sure that someone has n't stolen my identity, since apparently some information on my account is incorrect. XXXX sent me a report that had a couple of errors in identification information. Please let me know what I should do. Thanks.
after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX remove I have disputed by mail with all three credit bureaus. act number unknown
We have submitted an offer back in XXXX 2016. The loan servicer ( bayview ) said they need to do a land and interior appraisal before they can review the offer for a decision. This process has been delayed and ongoing for over 7 months. We feel the loan servicer has mid handled this file and is probably out of compliance with their review time.
I 'm getting calls and notices stating I owe {$2300.00}. Recently, I received a free credit report and noticed that XXXX XXXX XXXX XXXX.is trying to collect {$2300.00} for Check N Go. I recently received my credit report and it states XXXX XXXX XXXX XXXX opened a collection on XXXX XXXX. I opened a payday loan with Check N Go in the amount of {$2300.00} on XXXX XXXX, XXXX. I made a payment in the amount of {$310.00} on XXXX XXXX, XXXX and on XXXX XXXX, XXXX. I then submitted a complaint XXXX on XXXX XXXX, XXXX. Check N Go. replied and it was agreed I would make payments in the amount of {$200.00} starting XXXX XXXX, XXXX thru XXXX XXXX, XXXX. I defaulted in my loan as of XXXX XXXX where my last payment was for {$100.00}. Up until then I paid {$900.00} plus the XXXX payments of {$310.00} totaling XXXX. According to Check n Go, I owe {$100.00}. I started making payments again as of XXXX XXXX, XXXX In the amount of {$200.00} thru XXXX. I have statements and receipts proving I made payments. The only receipt I do n't have is paying {$100.00} in XXXX of XXXX. Can XXXX XXXX XXXX, XXXX open an account after 4 years of opening?
see attachmentthere are numerous errors and Experian has refuse to send information per my letter. Experian delays process over and over again. I need the information I requested.
I have repeated confirmed verbally I am not the debtor in question. Faxes sent to my employer by collection agencies have been completed by my employer stating I am not debtor. However, each time a new debt collector purchases the file I am contacted at work and a fax is sent to a general fax number. I have asked each time that a notation is made in the file and that I am not contacted at work. The last phone contact was today ( XXXX/XXXX/2015 approximately XXXX central ) by West Asset Management Company. This is sensitive to me as I am employed in a financial institution in a XXXX position.
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. ( Original Creditor : ) XXXX, ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX
Equifax scored me at XXXX stating that " the key factors that adversely affected your credit score '' are ( 1 ) Lack of recent installment loan information. ( I do n't have installment loans ... I pay cash! ) ; ( 2 ) Too few accounts currently paid as agreed ( XXXX I pay everything as agreed and pay all credit cards off in full each month and carry no finance charges! ) The other two reasons given are subjective and totally inaccurate! ( Please say Hello to XXXX ! )
I was trying to claim a fraud with Wells Fargo - my bank and they would not assist me. 
I have deposited a check on my account and month later the money was withdrawn from the account and returned to payee. I was explained that the money was deposited XXXX, XXXX deposit was in XXXX. I do n't have an account and I feel that this is a fraud. The payee does n't want to act as money went away once and my bank does n't want to investigate this case further.
US Bank had a promotion where one would open a checking account, complete some requirements, then a {$200.00} bonus would be deposited into that account. 

I have read over their terms, opened one of the listed checking accounts, entered the promo code, and completed the 2x billpay requirement, yet the bonus has not been deposited into my account. The terms stipulated that the bonus would be deposited within 60 days of my meeting the requirement. 60 days have passed and no bonus. 

I emailed their customer support and they confirmed for me that I did indeed meet the requirements for the bonus on XX/XX/17. When the bonus was not credited on that day, I waited longer til XX/XX/17 before emailing their support again. They said they would forward that info along but no progress have been made.
Dear Sir/Madam ( ref previous id # XXXX ) I thank you for following up the problem with opening an account with HSBC bank and to let me know their respond. It is not yet clear which of the following items or anything else made the bank unable to open an account for me and my wife. Has there been any problem with my : a.USA legal permanent resident ID card b.XXXX XXXX XXXX ID driving licence c.USA social security ID card d. Our age e. Our income level f. Our retirement g. The forms which we filled with teller help and signed h. The oral conversation and answers we provided or any other information, would the bank please make it clear what made them unable to open account for us
Ocwen Loan Servicing has been charging me for Insurance of my home when I am paying the home insurance outside of my loan. 2nd ; Ocwen Loan Servicing charged me more than I owe on my Bankruptcy Chapter XXXX case. Also charged me over {$3000.00} for Asset Preservation during my bankruptcy. 3rd. Ocwen Loan Servicing took a copy of my signature to produce a Legal documentation ( Modification of my loan ) filed in the Deed Records ; supposedly in front of a notary which is false. 4th. Ocwen Loan Servicing did not give me credit for money orders paid by me which I can show that they were cashed by them. They have tried to foreclosure on my home several time.
On XX/XX/XXXX two checks were submitted for payment and they were enough funds in XXXX XXXX XXXX business checking account to cover the payments for the checks. There was also a hold put on the account for payment the next business day of XX/XX/XXXX,  in which they were funds to cover the hold payment. Instead of Bank of America paying the two checks, they returned them and charged the account two returned items fees of {$35.00} each in addition to an overdraft fee of {$35.00}, that total {$100.00} in fees.
I monitor my credit via XXXX. I noticed there were one hard pull each this week on equifax and XXXX from XXXX XXXX dated XX/XX/XXXX. I did not authorize these pulls. I called the XXXX XXXX credit card division, they said it was n't them. They gave me the XXXX XXXX XXXX banking number, so I called them today and they said it was not them, they then said I should check with another division and they forwarded to me to a department that was closed for the day. I have had XXXX XXXX accounts in the past but they have been closed for a number of years. I did not authorize these pulls and want them removed from my credit report.
I have accounts with TD Bank. My account online access was locked at the end of XXXX due to some suspicious activity -- I attempted to transfer money to my self at some IP address in Massachusetts. My complaint is why this issue can not be resolved even near the end of XXXX. 

The online access was locked by Fraud Department. I have contacted the department and TD customer services many times. Here is a list of details that I can remember : * TD customer service provided me the phone number of the fraud department. I contacted the department well over a dozen times. I could never reach any person there. I always left a message to get call back. Initially I did get call back. But recently, I don't even get call back. Sometimes the answering machine was full I could not even leave a message. 

* I got callbacks from Fraud Dept several times. Here is the list of instructions and results : 1 ) First she ( the person in Fraud Dept ) asked me to go to local branch and from the local branch to contact her ( not sure why it must be this complicated ). So I went to local branch ( in XXXX ). But the local branch could not reach the person. I came back and left message to Fraud Dept, who called me back saying she was in office at that time. She suggested the local branch may not use the right method to find her. As a customer, I have no idea how TD Bank contact each other. Why is it my responsibility to connect your guys internally? 
2 ) Later, I got her call back again ( after I left many messages ). I was told I could go to local branch and start a new TD account and transfer all existing accounts over. So I did that. However, the local branch said the lock was placed on my name and SSN. Unless I change my name, I could not open a new account. So that trip resulted no solutions. 
3 ) Since then, I attempted to contact Fraud Dept but never got any call-backs. I have spent many hours with Fraud Dept ( each branch visit required me to take work hours off since Fraud Dept only works from 9-4? weekdays ). 

* My contacts with customer support : I have called many times ( 20? ) The good news is that I could always speak to someone. The bad news is that they can not do anything about it. They said Fraud Dept is above them. 

* My contacts with local branches : As mentioned above, they could not do anything either. 

In summary, the Fraud Dept at TD Bank is a self kingdom nobody can touch. And they simply don't respond to customers. What options do I have? After nearly five months, my account online access is still locked. I have no choices but to go outside TD Bank to seek a solution.
Services is refusing to review loan workout package. Advised that they will only foreclose. Full document packaged received by serviced on XXXX/XXXX/XXXX. 
They confirmed it was in house. Advised no sale date. Advised that I need to vacate home and they would secure it. To let it go to foreclosure.
I have disputed XXXX with Experian for over a month. Experian will not let me dispute it anymore even though they are reporting that I have an unpaid balance for XXXX of {$320.00} and this has been paid. I just want the report to read correctly or to delete XXXX since it has been paid. Thank you
Beginning early  XXXX  we worked with a company called  XXXX   XXXX   XXXX  to assist us in getting my credit in shape. They did a fantastic job and my  credit score went up dramatically. One issue we were una ble to resolve was false reporting from  XXXX   XXXX   XXXX  on behalf of The  XXXX  Apartments in  XXXX  Tx. We 've sent multiple request to address a {$6900.00} balance that is absolutely fabricated. The first letter was sent in   XXXX   XXXX   XXXX   The second request for an itemized account of their reporting was   XXXX   XXXX  . The third request was sent   XXXX   XXXX   XXXX  . After  XXXX  attempts with no response, I am certain the delay is due to the inability to account for the charges. No response and no removal is unacceptable ... ... ..Please help!      National Credit Systems  -   XXXX   XXXX   XXXX  .  XXXX   XXXX   XXXX  Phone (  XXXX  )  XXXX  Partial account number :  XXXX  Address Identification number :  XXXX  Original Creditor : THE  XXXX