WillisBack/dataset-financial-user-claim huggingface dataset:
I received an email from Equifax about by credit information having been stolen from their companies records/databases. I visited their website to place a temporary freeze on my information that is maintained by their companies and once entering my information as they requested I received a 500 error ( process not available ). So, I also can not freeze my information with them today. XXXX/XXXX/XXXX. I also visited their website and they asked me to wait until XXXX/XXXX/XXXX to utilize their monitoring alert program. I do n't know if I would like them to monitor something they should have been protecting to begin with. 

It seems that Equifax is trying to get me to buy more protection from them.
We are a restoration repair company, we performed repairs on a residential home due to water damage. The insurance company issued us a check with the homeowners name on the check and their mortgage company. We sent the check to the mortgage company, for their endorsement, so they could send back to us so we could deposit in our bank. Then the mortgage company kept the check because the homeowner 's had not made a mortgage payment in a year and a half. The mortgage company gave us false information to get us to mail them the check.
AES/NCT/XXXX have multiple credit marks on my credit. I never signed an agreement with NCT/XXXX and I have no proof they still own my debt since NCT is a trust ( not a lender which AES claim ). It is illegal to claim NCT is my lender when I never signed an agreement with them. I have multiple marks on my credit which AES claims they ca n't remove even though they are the ones reporting on my credit not NCT/XXXX and AES/NCT is on my credit report even though I never signed an agreement with either company. AES claims NCT will not remove any items from my credit ( they are lying because they can remove them ). I hate dealing with AES because they are bunch of liars and XXXX XXXX is a XXXX because she does n't know she is talking about. She claimed last year that I gave them my mother 's number when the XXXX party collection XXXX actually changed my personal information without my permission. I would n't give my mother 's number out to anyone but she claims I did and never apologize for the misinformation. AES often give out bad information because I record their calls. I will urge everyone to start filing complaints with CFPB so AES can be shut down. They are engaging in illegal business practices by claiming NCT is my lender when they are a trust. NCT does not lend money out because they are a XXXX party debt buyer of student loans which means they must adhere to the FDCPA and FCRA plus the trust regulations. I want all negative items removed from my credit because I do not want to deal with AES anymore because they are an evil company that should be shut down. I also have reps sending my debt forms by email even though I have told them several times, I will NEVER DO AUTO DEBIT WITH AES SO STOP SENDING THEM TO ME. I do n't trust AES to go into my checking account so there is no need to shove this product down my throat. I want see proof that NCT is the lender of this debt, I need to see paperwork that shows I signed an agreement with NCT/XXXX.
I am XXXX XXXX XXXX XXXX and XXXX XXXX veteran and have lived at my address since XX/XX/XXXX. divorced from XXXX XXXX XXXX XXXX XX/XX/XXXX in XXXX XXXX a few years ago bills from my ex for which I have no connection, bills were created after my divorce, were being sent to my family in XXXX XXXX, he has never lived at that address. they stopped sending them there. Now Bills are appearing at my current address. He had never lived here in fact I purchased the house after 8 years after my divorce in XXXX. I do not understand why these people continue to torment me when I have nothing to do with this person. I do n't know where he lives or anything about him. XXXX I received mail from XXXX XXXX XXXX # XXXX who bought the {$15000.00} debt from XXXX XXXX ... .**************** now I received mail from First National Collection Bureau XXXX # XXXX. I think for me a XXXX vet with XXXX ... this breach of my privacy is unconscionable. he has no connection to me and I feel violated
A criminal background check was initiated using my personal information. I received a copy of the report via US mail several days later. The report contained a criminal history report with dates beyond the XXXX  requirement for reporting of XXXX years. The only exception to this XXXX year law is if the employment salary exceeds XXXX in which this position applied for reaches XXXX. This information was unlawfully reported and needs to be removed expeditiously. 

I filed a dispute via the company ( dispute # XXXX XXXX as well as the BBB ( case # XXXX ) and received a response from the company confirming they will not follow XXXX XXXX regulations. They stated they will only follow XXXX regulations, not XXXX. I have spoken with several attorneys regarding the issue and all have assured me that consumer reporting agencies not only have to follow XXXX regulations, but XXXX specific as well. I attached a copy of their response. They are in direct violation of XXXX XXXX and no one is offering assistance with removing the information from the consumer report to reflect properly. 

BUSINESS AND COMMERCE CODE TITLE 2. COMPETITION AND TRADE PRACTICES CHAPTER 20. REGULATION OF CONSUMER CREDIT REPORTING AGENCIES SUBCHAPTER A. GENERAL REQUIREMENTS Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : 4 ) a record of arrest, indictment, or conviction of a crime in which the date of disposition, release, or parole predates the consumer report by more than XXXX years ; or ( 5 ) another item or event that predates the consumer report by more than XXXX years.
I wrote a convenience check which posted in my account on XXXX/XXXX/2016 and the credit card company posted the charge twice. I have contacted them 4 times and they admit that it is the same check and should be subtracted but nothing has been done. It is still charged to my account.
On XX/XX/XXXX a payment of XXXX was made on my Home Depot Credit card. The payment was cash and was made at the local home store in XXXX NC. The payments were made in 3 different transactions as the cashier stated that is the only way she could complete. The payments were made on XX/XX/XXXXat the following times XXXX XXXX XXXX autho code XXXX, XXXX made at XXXX XXXX autho code XXXX and XXXX at XXXX XXXX autho code XXXX. I have the original receipts. The payments were never credited to my account. On XX/XX/XXXX I contacted the company and filed on a dispute on XX/XX/XXXX I faxed a copy of the receipts to the Home Depot dispute department as instructed and followed up with several phone calls to verify that the fax was received and was told they had received them. Provisional credit was given to my account while the research was completed. On XX/XX/XXXX I went to the local store and they too called the disputes department and verified the payments. On XX/XX/XXXX I received a letter stating that I had n't supplied significant evidence to support my dispute, not sure what more I can send other than their store issued receipt. On XX/XX/XXXX I contacted the company again and was told they do n't understand what 's going on they will re open the dispute. I have worked to get this corrected for 2 months. I have all the supporting documentation and do n't understand why the company is not only refusing to credit my payments but have negatively impacted my credit which has no late pays or any negative issues as I take great care of my credit and am at my wits end and need some help. I do have copies of the receipts but they are paper copies and can fax the documents
My credit score was XXXX on transinion and XXXX on XXXX until XXXX submitted submitted incorrect information about my payment history. XXXX corrected the information and sent me a copy of the letter acknowlgiits corrective action. I see my score has changed a bit, it has NOT been restored to its previous position
JP MORGAN CHASE IS LISTED AS TRUSTEE TO MORTGAGE LOAN TRUST XXXX XXXX. THEY HAVE SENT TWO LETTERS STATING THAT THEY HAVE NO INFORMATION ON MY MORTGAGE LOAN NUMBER, NAMES ON MORTGAGE OR PROPERTY ADDRESS.
Treatment by my mortgage company ( Seterus ), SPOC document issue, Unknown fee on a payoff.
I only miss onXXXX payment since I've been with Wells Fargo home mortgage. My monthly mortgage is XXXX .I contacted the mortgage company and imformed them that I had a major problem that needed immedaite attention my son was XXXX  I had to support him. I ask if they would put the payment on the end because I would not afford to make this payment up because I am XXXX  and I'm on a fix income. 
Wells fargo offered to give it's customers a three month deferred payment about five years ago due to a hurricane disaster that affected my state. Now since I miss this one payment they are sending me harrassing phone callsa and claiming I'm XXXX in the rears. What I need to know is if I only miss one payment of XXXX how do I get to be XXXX XXXX plus more in dept. I did not ask for the deferred payment, this was offered to all N.C. residents that were affected by the hurricane. Please Help because this is affecting my credit.
I have multiple cards with capital one either that I signed up for with them or a company that they acquired. XX/XX/2018 I called customer service because I was charged membership fees XX/XX/2018. The representative told me that for the one that was XXXX she could make a rewards card and the one that was XXXX she could make a rewards card because I was paying the fees but not getting anything. I call almost every year about these fees because thats what I was told to do they dont remove them but they look to see if anything can be done or if they can go away permanently. This rep. told me that the 2 cards I pay XXXX on already are their original cards one is a XXXX so its good but the other cards Im paying for can be upgraded to XXXX as well. I asked would the fees be lowered to the standard amount of XXXX and she said no. I asked if the rewards would be back dated to when CapOne acquired the accounts since Id called multiple times she said no. I asked if I could have the prior fees refunded and she said no. 
That makes absolutely no sense. I appreciate her offering me the upgrade but you cant charge me XXXX dollars for an XXXX from XXXX and XXXX for an XXXX from XXXX and expect me to be ok with that. 
I declined because I needed a better resolution. I wasnt transferred to a supervisor. I told her I felt that I was mislead by several representatives and that I was deceived and that the treatment was very unfair but she was not empathetic at all.
Disputed the account being in collections due to it being fraudulent. Contacted Wells Fargo and they had no record of charges in order to prove we did not open or have control of the card. It has been more than a year ( exceeding the 30 days required to respond to a dispute ) and nothing has been provided to us. We are demanding that the report be removed from our credit history. The account is listed twice, both showing " disputed '', and we want both to be removed.
This place calls me multiple times a day, sometimes mere minutes apart ; they will rarely leave a message. I 'm trying to work and my phone is constantly ringing. It 's a real disruption to my day.
My name is XXXX XXXX and I have a XXXX debt forgiveness from Discover card in XXXX {$690.00}. I am trying to buy a house and Discover continue to report me with late payment today XX/XX/2018. I had called many times myself, even when my mortgage company and I called them they will not issue a letter stating that my account is closed even though they told me it is close and will not remove or stop reporting that I am still late. Could you please help me ... 
It shows a dispute was resolved but there is still an outstanding balance. The dispute is resolved and the resolution was she still owes the money. last reporting XX/XX/18 XXXX
Hello! 
Let me explain the situation. 
I have a credit card from The Home Depot/CitiBank. I'm always payed my balance in time. But in XXXX and XX/XX/2018 I miss payments, because I never receive any notifications from creditor about my debt. And creditor reported to the credit bureau about late payments. I realized that I have late payments just in XX/XX/2018 when I check my credit score and it was decreased. Now I payed my balance in full.

Now I tried to figure out with creditor how to remove late payments from my credit report. I sent them a letter with explanation why I miss payments. After investigation the creditor said that it wasn't their error. And creditor could not make any changes to fix this error and fix my credit score. Now I'm going to apply for mortgage and fixing my credit score is very important for me.

Thank you and have a great day!
I went through a loan modification with Wells Fargo, they stated to me that for me to get this loan modification I need to not submit mortgage payments, and I told them that I want to continue to submit mortgage payments because I did not want the missed payments to affect my credit score. They assured me that it would have no affect to my credit score and that because I was being qualified to receive a loan modification I was safe and nothing will be reported to the Credit Bureaus. Now I have 5 delinquent payments on behalf of Wells Fargo showing up on my credit score and I will like them to be removed.
I checked my credit report on Experian in XX/XX/XXXX and found a collection from XXXX XXXX XXXX XXXX for {$320.00}. However i paid that original bill of {$280.00} in full to XXXX XXXX XXXX on XX/XX/XXXX. 

I opened a dispute on Experian 's web site and uploaded proof of the payment, but it was not removed from my credit report. I called the phone number listed on XXXX XXXX. XXXX XXXX XXXX web site for their billing service and they told me they no longer bill for them and to call XXXX XXXX. XXXX XXXX XXXX directly. 

XXXX XXXX. XXXX XXXX XXXX gave me the number of XXXX ( their previous biller ), but XXXX told me to speak to XXXX XXXX. XXXX XXXX XXXX and neither of them can find my account as I'm told the billing companies switched in XXXX. 

Experian 's web site says I can add a comment to this collection explaining my side of the story but there is not a way to actually do that! I spoke to someone on the phone at Experian who was not helpful in resolving this matter, and so I saw the option to contact the CFPB for further assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
I have worked hard on removing inaccurate information from my credit report as well as updating my address, email address, and phone number to Navient. I currently am unemployed and on a deferment plan. I just recently pulled my credit for my own review to find out that they are reporting that I have been late every month in XX/XX/XXXX. I'm beyond livid at this point as I mentioned before I've spent a lot of time and energy removing previous inaccuracies. My credit score was XXXX now I'm below XXXX due to this. This loan was from XX/XX/XXXX and is under XXXX due.
I ran a credit report ( XXXX ) to rent an apartment and discovered an outstanding amount in the Collections section. This debt does not belong to me and can not possibly belong to me. 

I researched the collections agency ( SouthWest Credit System ) and discovered XXXX other complaints against this company for false collections claims. 

This false collections claim seems to have been on my credit report for some time and is completely bogus. It has hurt my credit rating and I want it removed.
My granddaughter was scammed by one of her friends by processing a stolen check through her checking account. When I got the letter in the mail of a returned check I immediately went to the bank. The representative printed off the check, it was from someone in New York. After doing some investigation I found that the check had been stolen from an elderly woman by her care taker. I contacted the bank and advised them what I had found out. I also pressed charges against the young man. After all the back and forth with the bank they sent it to a collections agency. 
The agency contacted me and after explaining to them took they offered me a settlement amount if I were to pay {$200.00} on that day and XXXX payments after that. I asked if they would send me something in writing stated the agreement before I send in the payments according to the arrangement. I was told I would get a letter, I never received an agreement. I contacted them XXXX times after not receiving anything. They finally said they sent it to my granddaughter 's school where she attends college. I phoned my granddaughter and she stated she never received a letter. Phone calls went back and forth and I never received an agreement but was told it was documented and that I could send my payments. We started making payments and each time we made a payment it never reflected the agreement we had made only the amount that had be sent to them by the bank. 
I phoned back and was told that because I had missed my payment arrangement it was cancelled and would have to start a new XXXX. I explained I did not missed a payment, it was poor communication about the letter I was to receive. I started to send payments. I decided that we would make payments in increments as long as the amount was paid by the date they set. I ask if this was ok and was assured it was. We continue to make payments and each representative would give me the original amount until I explained the agreement. I would place me on a long holds, they would come back and state they it is documented. 
Each representative I spoke with I would ask, why am I getting notices that are not reflecting the agreement amount but the original amount from the bank. Each time I was told it was documented. After a couple of the representatives I spoke with stated the original {$200.00} was to go toward the XXXX arrangement this would have made our balance {$430.00}. I phoned them on XXXX XXXX, 2015 to make a payment on the {$430.00} and was told it was {$630.00}. I advised the young lady I would be filing a complaint because I felt that I was just throwing money away. I received a call from another young lady early Saturday morning stating that the agreement was broken and that we now own {$1000.00}. I advised her that I had filed a consumer compliant and would speaking with the XXXX on Monday morning. The arrangement changed, I never received an agreement with the settlement amount and I was n't treated fairly. I feel that we have been scammed a second time.
We have a loan through XXXX lending services. We agreed to have monthly payment automatically withdrawn from our bank account on the XXXX of each month. We received a letter towards the end of XXXX stating that XXXX lending services has sold our loan and we would be making payments to Lakeview Loan Servicing , LLC on the XXXX of XXXX. On XXXX XXXX our mortgage was withdrawn by XXXX lending, from our account as agreed. But on XXXX XXXX It was taken out again by XXXX. I contacted XXXX on XXXX XXXX and spoke with an agent who told me i needed to send them my bank statement to prove that the payments were taken out XXXX, This made no sense to me because the agent could see the XXXX payment on her computer screen this was evident by her statement, " ok i see the payment on the XXXX and the XXXX '' when i expressed my concern as well as my concerns about this happening again next month she stated, " well lets hope not '' she then proceeded to tell me that she was skeptical of my call because and i quote " You have automatic payments set up correct? Well i have never seen this happen before so I 'm a little skeptical '' i asked to speak wit a supervisor and was told that one would call me back by end of business. well no call. After that i called XXXX XXXX about the same issue, they transferred my call to XXXX i ended call and called them back. the gentleman i spoke with said he would contact XXXX for me and have them get back to me. Again no contact. I have responded to bot company with an email as well as a copy of my bank statement to rectify this issue. still no call back. It would be XXXX thing if we we 're talking about XXXX bucks, but we are talking about over XXXX and to have that taken out XXXX in a month could be devastating to someone who is living paycheck to paycheck. I hope someone puts these lending agencies in there place and lets them know this is not ok and to stop treating consumers like we owe them something. please help. 

When i spoke with XXXX today they said it was a glitch with Lakeview loan servicing llc computer.
Some of my outgoing mails were stolen with checks in it. The checks were payable to various suppliers and utility companies. I have been able to locate around XXXX such checks that have been stolen to the tune of {$70000.00}, These checks have been funded by Wells Fargo Bank erroneously. The fraud was not caught by the bank ... i had to report the same. I have challenged the bank about their payment on these checks while the benefactions name was specific to entities like the utility company. 

This has also been reported to the Police and XXXX XXXX. I would like immediate help to have this issue resolved with my Bank.
Equifax is refusing to allow me to submit a dispute on line in an effort to keep negative information that is not mine on my report. I have tried to initiate and check the status of my dispute, and they keep advising I'm submitting personal information that does not match their records. I have submitted the same information to start my initial dispute with no problem, now all of a sudden the information I submit does not match according to them : I am trying to dispute the following accounts as they are not mine and are fraudulent. Continued placement of these accounts on my credit record is in violation of the Fair Credit Reporting Act : Equifax Report Number : XXXX 1. XXXX XXXX XXXX XXXX/Original creditor : FL XXXX XXXX 2.XXXX XXXX XXXX XXXX/Original creditor : XXXX XXXX 3 . XXXX XXXX XXXX/Original creditor : XXXX XXXX XXXX 4.XXXX XXXX   XXXX XXXX/Original Creditor : XXXX XXXX XXXX XXXX 5 . XXXX XXXX XXXX XXXX/Original creditor : FL XXXX XXXX
XXXX XXXX - a convention 20 year loan with inception date XX/XX/21, was transferred to Mr. Cooper. My loan payment was drafted half on the XXXX and half on the XXXX. The portion on the XXXX was immediately applied, I accelerated payoff. 

I got a letter from Mr. Cooper, Your loan is now ours. Promising no changes to my loan. After over an hour on the phone with Mr. cooper, they tell me that they can not offer the same payment conditions and APPLICATION TOWARDS MY LOAN as I had agreed to at origination with XXXX XXXX. This constitutes a material and costly change I did not ask for. Mr. Cooper refused to move my loan back, or apply more towards principal, instead offering my an 'equity acceleration program ' where I could pay more ( duh, don't need a service for that one ). 

This transfer process offered me no input, feedback or right of REFUSAL which is absurd and now I'm stuck, in a situation where I've been cost money and not made whole by mortgage services. 

Help my CFPB, you're my only hope