WillisBack/dataset-financial-user-claim huggingface dataset:
Barclays continually does a HARD credit inquiry EVERY month alleging " approaching credit limit '' which causes my credit score to not only go down BUT adds additional inquiries to my total destroying my score.
THERE IS NO REASON TO ADD HARD INQUIRIES EACH MONTH JUST TO SAY APPROACHING LIMIT AND RUIN MY SCORE.
This is an ABUSE of the credit reporting system and is done in retaliation by Barclays to attack customers holding balances on their account.
My account is current, NOT over limit and not in violation of terms and conditions STOP THE ILLEGAL HARD CREDIT INQUIRIES BY BARCLAYS
On XXXX XXXX, Equifax announce that 143 million Americans have had their information stolen during a cyber-attack which occurred in XXXX. Equifax reportedly discovered the breach on XXXX XXXX, over a month after it happened and waited until the XXXX of XXXX to inform the public. However, they have still not informed those affected. Equifax created a website where individuals can enter their name and SSN to see if they were affected. However, the websites reportedly generates random results and an incorrect SSN and name pairing still results in a response. 

Equifax should face severe repercussions for their mishandling of the American people 's sensitive information, the utter lack of timely communication, and the misleading and inaccurate responses they are giving through the new website.
I was denied loan mo modification by Wells Fargo and my wife and I appealed it. The appeal was denied and we decided to reach out to XXXX. They have tried to speak with Wells Fargo however Wells Fargo for some reason has no record of XXXX reaching out to them. I believe Wells Fargo works for XXXX XXXX who are the investors of my mortgage. XXXX has tried numerous times but to no avail.
Started repaying my loans in 2010 to XXXX XXXX which is now Navient. I have been struggling since then to repay my student loans and have been living below poverty level to make sure that my bills are paid. I contacted Navient several times to try to set up a payment plan that I can afford. They refuse to work with me and I just can not afford their idea of a payment plan. My parents offered to do a settlement and the representative refused and was rude and condescending.
On XXXX XXXX 2016, {$200.00} was taken from my checking account. It happened at a XXXX XXXX XXXX in XXXX where my bank is Chase right next door. I was not up at XXXX-XXXX withdrawing money from my account and I would have not used a different bank when my bank was right next door. Chase denied my claim because a chip dept card was used according to their investigation, but they wo n't look at the video cameras. Does n't seem like a good investigation to me. Why would I file a police report on myself it just does n't make sense to me
I have disputed with this credit bureau several times and each time they have given me proof on how they verified or validated the accounts that I have disputed. I have requested original documentation with my signature on it and they have not done so. Under FCRA LAW I have the right to request that information and they are not allowed to report any item on my credit report that can not be verified with the original contract with my signature on it.
I consolidated several  FFEL Stafford unsubsidized/sunsidized/Federal Perkins lo ans taken out over 4 yea rs  XX/XX/XXXX - XX/XX/XXXX into an FFEL consolidated loan for {$27000.00} in  XX/XX/XXXX . For t he next approximately 18 years I was counseled by the loan servicing representatives to defer or forebear the payments with no counseling that the interest is still accruing. It was not until recently I pulled my credit and saw a loan balance of {$100000.00}. I have called and tried to work with them to understand how this happened and how I get it fixed. There is no responsibility being taken by the company that would call me every so often and say " do you want another deferment? '' and never explain this was a very irresponsible choice and educate me on the consequences of those easy yes answers I gave them over the years. I will not be able to pay this loan off in my lifetime. I do however have a family member willing to offer a cash settlement but I have been informed that I can not negotiate. Why? I have spoken to a lawyer and will pursue more options for legal action. We feel this is predatory lending among other types of consumer abuse. Filing this complaint was recommended by my counsel as a first step. Thank you.
Experian has not done the required due diligence in collecting valid notarized documents from collection agency XXXX XXXX to assure and prove a claimed debt collection belongs to me and provide accurate information on my credit report. Thus Experian is guilty and libel of defamation towards me by using fraudulent documents to calculate and negatively impact my XXXX credit score. Also when I sent Experian personal documents to validate my identity and current address, they shared these with XXXX XXXX without my permission and have thus compromised the security of my identity and put my personal well-being at risk. recently, it was determined that Experian has removed the fraudulent debt collection from my credit report but has not done the same with my wife 's ( XXXX XXXX XXXX ) credit report, which is very confusing being that the same process of deleting fraudulent information should apply to both of us!
On XX/XX/XXXX saturday two weeks before XXXX my card number was used in new york at XXXX XXXX they stole XXXX dallars when i called XXXX XXXX XXXX XXXX they only told me this info and im in oklahoma they sent out a paper and i filled it out sent back ive called everyday no update these people are a joke and they are criminals i want my pay back im a single mom they need to be shut down most people ive spoken to are foreigners and make excuses for the ones who have stolen your money its a scam how can i get my money back they gave me an dispute id XXXX but no money still this company is a fraud they help foreighn countries and there people steal our hard earned money please do something theres thousands ofcomplaints on this company
I intially opened up a " '' Guitar Center '' ' store credit card and purchaed a few items such as Microphones and Recording gear for my hime studio. 

What has been so extremely frustrated is and it has been a rather lwngthy time ago 9-12+ months for example. 

I called the XXXX or XXXX dumber and paid the full remaining bance ( incuding a applicable late fees ). 

I called them directly and mentioned I 'd like to pay off the remaining balance in full. Something like $ XXXX- {$450.00} perhaps in the middle. 

The rep reassured me everything has been handled and I now have a {$0.00} bance which was the purlose of calling to settle it. 

The gentlemen confirmed you have paid the balance in full. I even asked him 3 times. 

At its its root the problem is, is they still say I owe a balance and havent purchased anything, yet I keel getting bills. 

If they could simply pull the date of my final payment and physically pull the call ( essentially mayching final payment with the date ). It will clearly show firsthand that the rep said I was now paid in full! 

I need this to be removed from my report, not that it was late, which it was, but the balance had and has been paid XXXX % in full as the balance commensurate the orecise date I caled in and paid them would reflect that. 

I need this off my report and my # XXXX ... please pull the callor at minimum look at the last amount/date of final payment whuch I called in and provided my debit card over them phone will reflect the conversation on that date. Id enckurage you to listen to the call .thanks, XXXX
I ask to change the name of my reciever.. and they change but they ask a new MTCN no. Because the MTCN no XXXX was already unavailable ...
They did not resolve my dispute. 
XXXX XXXX XXXX was included in a bankruptcy in 2008 that was discharged, so I no longer owe it. Additionally, it is showing as charged off, yet they keep adding fees on there and adding it back on as new.
My lender falsified information to XXXX which in turn has caused numerous negative items to remain on my credit report that should not be there. Upon completing school i was not able to obtain a job to pay the high monthly balance of the loan that was due immediately upon my graduation. It took me over a year to find a job, and when i did find one it was very low paying to the point where my monthly income was just about equal to my payments due so I still could not pay. Long story short I have never made 1 single payment to my lender. My lender, in order to successfully package and sell/transfer the loan to another party, started reporting that I had begun to make payments to show my account was in good standing, payments I never made. The clock on my loan began in XX/XX/XXXX, but they reported that I made payments in XX/XX/XXXX right before selling/transferring my loan. By law, it takes 7 years for an item to drop off of your credit report but that 7 year clock starts from the LAST PAYMENT MADE. I have never made a single payment so instead of having this drop off in XXXX, I am told it wo n't drop off until XX/XX/XXXX because of the false information they reported stating that I had made 3-4 payments prior to them selling/transferring my loan in XX/XX/XXXX-XX/XX/XXXX. I can not provide proof to XXXX to dispute this because I can not provide proof/check number for a non-existent payment. To add to the problem, since my lender is private and is not required to provide information to XXXX, XXXX can not ask them to provide proof of payment. So they are protected by law in a sense from providing proof that would ultimately incriminate themselves for falsifying records. After many escalations and unsuccessful disputes because of the lenders unwillingness to provide anything I am asking for, I am now following XXXX advice and escalating this issue here to hopefully get some assistance in going after this lender and getting them to remove this negative information that has been hurting my credit score in preventing me from doing things such as buying a house. It should be noted that they eventually sold this debt to a collection agency a few years ago and we came to a settlement, in which I turned around and successfully won in litigation after the settlement due to the collectors unethical business practices.
I am a homeowner in the state of Va. I am currently in bankruptcy, I am surrendering my home under my bankruptcy, my home has not went thru the foreclosure process yet. Im in the process of moving out of the property, and when I went back to my property, my tv was missing. Is it legal for the mortgage company to change the locks on my property / take possession without notifying me or my attorney?
On XX/XX/XXXX I received a letter dated XX/XX/XXXX from my current mortgage company ( Nationstar Mortgage, also known as Mr. Cooper ) that my mortgage will be serviced by XXXX XXXX XXXX   effective XX/XX/XXXX and that they will stop accepting payments on XX/XX/XXXX. This violates the 15-day notification rule 1024.33 ( b ) ( 3 ) ( i ). Also, I received the second letter on XX/XX/XXXX, dated XX/XX/XXXX that my ACH transfer for the month of XXXX will take place around XXXX business days after XXXX/XXXX/XXXX and that my account will not be assessed a late charge fee, but they do not say anything about interest charges that might be assessed by XXXX XXXX if the mortgage payment is processed this late in the month. Also, I logged in to my new XXXX XXXX Mortgage account online, but I do n't have an option to make a payment on my own.
Stanislaus Credit Control {$330.00} XX/XX/XXXX {$76.00} {$56.00} XXXX XXXX XX/XX/XXXX {$440.00}
I signed up with XXXX with the agreement that my monthly bill would be approximately $ XXXX/month. I informed XXXX shortly thereafter that when I was at home the signal was so poor that the phone was unusable. In response their " customer retention '' staff sent me what they called a " signal booster, '' which solved the problem. One day the signal booster was not working so I called their tech support line. Rather than troubleshoot the problem they immediately decided to just send out a new booster which arrived several days later. However, about an hour after speaking with XXXX tech support the equipment suddenly started working again, so I called XXXX tech support again and they told me they would now send me shipping materials to return the old equipment. I did n't need the new equipment, and the shipping materials they sent were in no way suited to fit the box containing the shipped item. Rather than waste time and money shipping the unopened package I simply delivered the unopened shipment to my local XXXX store and they said no problem. Due to the inconsistency of their billing, i.e. my beginning monthly bill was about {$55.00}, but over several months it crept up to over {$80.00} per month. Seeing a massive charge on my following bill for the signal booster was the final act of financial misconduct I was willing to tolerate from XXXX. I cancelled my account and paid my cell phone usage balance, but not the charge for the equipment that I saw on my bill. 
Now I 'm seeing these derogatory remarks on my XXXX and XXXX credit reports with a ridiculous charge of {$700.00} by a collections agency called Convergent. I am quite frustrated and confounded and I think the charge and the negative remark should be removed from my credit report. If there was a balance on my cell phone usage for the account I would gladly pay it and have the matter resolved, but to be erroneously charged for an untouched, unopened, and returned piece of equipment is downright unfair. 
I have a decent job and have paid every debt ( besides this one ) in full ... .i.e. not a reduced amount or a settlement, but paid in full so as to encourage positive reports to the credit bureaus. This charge from XXXX or Convergent is inaccurate and out of line. This is my dispute.
I applied by phone in XXXX for a Citigold Checking Account. I gave the telephone representative a code for a promotion that would allow me to earn XXXX XXXX XXXX XXXX ( frequent flyer ) miles if I completed a set of requirements ( such as depositing {$1000.00} and making XXXX bill payments from the account. ) The telephone agent assured me that I was eligible for the promotion and that I would receive XXXX miles once the promotional requirements were met. I proceeded to meet all of the requirements for this promotion. In XXXX, I called back again and spoke with a phone representative ( and a supervisor ) who assured me that I was on track to receive the XXXX XXXX bonus. When I had not received the bonus in XXXX, I called Citigold and was told that I needed to file a " dispute. '' I received an email back from Citigold on XXXX XXXX saying that there was not an XXXX promotion offered in conjunction of the opening of my account. I called Citigold back on XXXX and was told that they did not dispute that the agent had told me I was eligible, and that agents had been telling various people that they were eligible, but that the agents were mistaken and that people needed to have been specifically targeted for this promotion. I asked how the company could mislead investors this way and whether or not this was a " bait and switch '', but was told that all they could do was re-submit my complaint to their " back office. '' I asked to have the recorded calls that I have made with Citigold pulled for review, but the agent said he did not think he could do that. Citibank has profited from holding my money and from orchestrating my financial transactions, yet refuses to deliver the bonus that they agreed to when I opened this account.
I just requested a credit report ... 
Background about me ... I have been in family courts for 9 years ... 
in and out of XXXX. Court - nowhere to turn for help ... 
My solution ... move to a new address, some place I felt safer ... 
The problem : Every time I moved, I broke a lease ( 2x ) ... this is now reflecting on my credit report. 
Additional info : My daughter was XXXX XX/XX/2014 ... I have had no contact with her since then ... 
I have been working hard to better myself since the abuse started ... obtained my XXXX in XX/XX/2014 ... graduated from the XXXX and left being XXXX XXXX ... 
Now I am trying to buy a home ... 
However, the XXXX places I moved from in the past, show up on my credit report ... 
What are my options ... 
Do I have any? 
Thanks. 
XXXX XXXX ( I have attached a copy of the document 'CreditIssues ' with the XXXX creditors listed at the bottom ( the XXXX is a mistake and I am getting it removed )
I paid the amount owed, but the company kept saying that I owed them more. To get them to stop, I put a stop payment on the account, but they are still calling and trying to collect.
I am a XXXX Veteran, using my VA loan. I purchased this house in XX/XX/XXXX. The house came with a separate lot, that has nothing on it, with a separatelot # and legal description. My intention was to sell this lot to pay off bills. When Itried to sell it, the mortgage company said I had to own it for one year before Icould sell it. XX/XX/XXXX, I refinanced at a lower interest rate, and to sell the lotright away. I have many emails from 360 mortgage saying that after we refinanced, we could sell it right away. On the day of signing the new papers for mortgage, Ihad to call 360 mrtg to ensure that it could be done right away. I was told yes, andthat I had to sign papers that day as they were time sensitive and would all have tobe redone if I did n't, so I signed them. Now, here we are in XX/XX/XXXX, and it all is nofurther than in XX/XX/XXXX. I spoke to the VA company, and was told that it can be done, and that 360 mrtg is just not doing it, and wants to charge me all these fees on topof the {$8000.00} some dollars they have already charged me. My realtor has also been involved in this entire process and can attest to everything, and has also receivedemails stating it will be no problem. Ca n't I sue them for breach of contract, since I have proof of what tey said? They are 360 Mortgage Company.
I have asked NYCB several times to report the correct mortgage account information to the credit agencies for myself and my wife to no avail. Our mortgage account has been opened and paid on time since  XXXX  and they report it as closed. I called them in  XXXX   XXXX  to make the request and they told me I had to send a LETTER via  usps. I un derstand that they need a record of all correspondence, but in this day and age, that is ridiculous! Even the IRS and FDIC has online request submissions. I digress.     I sent a letter on  XX/XX/XXXX  and received a letter from them a month later saying that it will be updated. Several months go by and no update on our credit reports. I sent another letter on  XX/XX/XXXX  and received a letter from them a month later saying that it will be updated. Waited a few more months  and one of the  credit agencies show the account as open for my wife but only shows the last few months of payment history - still no update on my credit report. I sent another letter on   XXXX   and received a letter from them a month later saying that it will be updated. Today, still no update on the credit reports!     I must say, again, this method of communication is 100 % ineffective. If I could talk to someone on the phone there is at least a remote possibility that I could speak to somebody that could at least explain the problem or maybe even fix it.     I sent another letter today, but am also filing an official complaint as this issue is negatively affecting our credit scores.
A debt collection agency has appeared on my credit report from Stanislaw Credit CO. It states that it's a medical collection from XXXX XXXX XXXX for the amount of {$660.00}. It was originally submitted on XX/XX/XXXX and last updated on XX/XX/XXXX. I have made repeated phone calls to the number listed on my credit report that is associated with Stanislaw and left voicemails asking for a call back to discuss repayment. That number is : XXXX XXXX. It is an automated recording that shunts me to voicemail. I have yet to receive a response.
My mortgage was transferred from XXXX XXXX XXXX in XX/XX/2016 to Carrington Mortgage. I spoke with several rep 's informing me my NEW mortgage amount went from {$810.00} to XXXX.. I am XXXX and CAN NOT afford this payment due to 2 months balance escrow required in Ga. 
I explained this to the rep 's and they REFUSED to help me!!
I have been disputing a bankruptcy with listed on my account XX/XX/XXXX with XXXX, TransUnion, XXXX, and XXXX. I have also disputed an address listed on TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX last date reported XX/XX/XXXX. I've sent in current copies of my driver licences and a Letter from the US Bankruptcy Court stating they don't verify those files. The companies keep coming back they verified the information and my files are frozen and be frozen since XXXX.
An amount of XXXX was taken from my account which were unauthorized transactions I reported on XX/XX/XXXX They were credited back to my chase bank account On XX/XX/XXXX they were taken back out stating they were correct The companies XXXX  and XXXX stated they had evidence stating were authorized transactions XX/XX/XXXX XXXX ,XX/XX/XXXX XXXX,XX/XX/XXXX XXXX,XX/XX/XXXX XXXX,XX/XX/XXXX XXXX,XX/XX/XXXXXXXX All totaling XXXX
On XX/XX/2016 I booked a 2 night stay at XXXX in XXXX, FL for XXXX. At the time of booking I was advised the resort would charge a deposit of {$240.00}. When I received my statement for my Citi XXXX I was charged the {$240.00} twice by the resort as XXXX separate transactions. I pointed this out to the resort management at check in and was advised it would be taken care of. It was not. I have receipts from the resort supporting this. I protested the charges with Citi. They will not reverse the charges and have sided with the resort even though my card statement reflects I was charged {$240.00} twice as two separate transactions and the resort receipt only reflects a deposit of {$240.00} was applied.
I got the Transunion free credit report, which took a lot of work, then I had to leave and when I returned several hours later, it said I had to pay for it.
XXXX loans went into repayment XX/XX/XXXX. The consolidated monthly payment across the 7 loans is {$410.00}. The very first payment ( i.e. XX/XX/XXXX ) was incorrectly applied entirely to one ( specifically, the XX/XX/XXXX dated ) of the 7 loans vs. being distributed across all 7 to meet each 's minimum due. This issue was corrected after a call to XXXX in XX/XX/XXXX - the solution was that they went back and reapplied the XX/XX/XXXX payment to the appropriate loans. In XX/XX/XXXX, I observed that my credit score had taken a hit due to a > 90 day overdue balance on a student loan account. After investigating, it became apparent that the reapplication of that XX/XX/XXXX payment had caused the XX/XX/XXXX loan to look like it was in default. I opened a dispute with XXXX, provided a similar description as above, and additionally mailed printed copies of the XXXX XXXX statement to show " good standing '' as well as proof of each monthly {$410.00} payment between XX/XX/XXXX and XX/XX/XXXX. I also confirmed with XXXX over the phone that all accounts were in good standing and that my assumption about the cause of the issue was probably correct. They indicated they would send a dispute form to me to fill out and return to correct the issue - they never did.
I sent the attached letter to XXXX and Experian on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.