WillisBack/dataset-financial-user-claim huggingface dataset:
This public record should not be reporting on my credit file! This is an error and I disputed this inaccurate account with Equifax over 60 days ago and never received a response. However, this erroneous public record is still reporting on my credit file after all this time.
XXXX/XXXX/2015 ... I called Equifax and explained that XXXX XXXX XXXX is illegally re-aging the debt on my credit report. I explained that I am a subscriber to their " Equifax Complete Premier Plan ''. So, I am able to review my credit report as often as needed. I explained that on my Equifax report dated XX/XX/XXXX XXXX XXXX XXXX reported the date of XXXX delinquency as XXXX ( report # XXXX ). The item had been removed off my report. On XX/XX/XXXX I pulled my Equifax report and discovered that XXXX XXXX XXXX was put back on my report. They were now reporting the date of XXXX delinquency as XXXX ( report # XXXX XXXX. I explained to a rep and then Supervisor " XXXX '' ( Agent # XXXX ) that I wanted to dispute this because it was an illegal act. XXXX STATED that collection agencies can legally do this. She stated collection agencies can re-accounts in perpetuity. This statement is false. Re-aging debt is called zombie debt and it is illegal. The " supervisors '' and representatives need to be cautioned against giving bogus imformation. I would really like to have this investigated.
When this company initiated foreclosure proceedings their attorney XXXX XXXX XXXX XXXX brought to light and even requested that the deed be corrected because what they described as a scriber 's error on the registers office personnel. After reviewing and looking back through ever deed on the property back to its creation in XX/XX/XXXX I did notice the descrepency in the deed itself. But they should not be allowed to change said deed and the loan and deed should be invalidated and the company wiped this mortgage out as a business loss on their end and title said property back to me or refund every dime that has been paid to them since the loan was originated if not just for since it has been in the possession of Nationstar Mortgage LLC. The reason being that the error they are trying to have the court change is not on the part of the registers office as they imply, but instead on the closing attorneys fault ( from the original closing attorney on the loan ) to the attorneys that Nationstar also had do the closings during the modification and subsequent attempts at foreclosure. All of these parties except for myself being the home owner had pre-existing knowledge of this error in the deed and did nothing about it until the company " Nationstar Mortgage LLC '' decided to foreclose on the property. Documentation can be submitted with this complaint that shows that the original closing attorneys listed said description in every document relating to this mortgage " the mortgage, the deed, and even the title insurance '' and Nationstar when taking possession of the loan more or less the modifications it put the loan in also listed all of the inaccurate information without legally verifying the correct information was pertained in all of the documents.
I was sent via XXXX a letter from XXXX XXXX XXXX for wage assignment in XXXX with a court date of XX/XX/XXXX. I went to court on that day and the lawyer for XXXX XXXX XXXX stated my employer XXXX did NOT respond to the lawyers request for wage assignment and my case was to be forwarded to XX/XX/XXXX. Yet my wages are being garnished with NO court judgement against me. The lawyer stated to call my HR employer and state to them to respond to their request so that it can finalized in XXXX. I called XXXX XXXX XXXX and the rep stated to be as of XXXX XXXX  their office STILL DID NOT receive any type of notification from XXXX ( my employer ) to their request. I also stated to the rep at XXXX XXXX XXXX I went to court to state my case and she told me it does n't matter anyway you do n't have any right to appeal the decision, it is just an option for you to show up and nothing can be done. XXXX did n't send me any notification of garnishment until XX/XX/XXXXthe day AFTER I went to court. When trying to speak to representative at XXXX I asked to speak to a supervisor the rep there transferred me to someone else who was not a supervisor. I then asked to speak to a supervisor which the woman put me on hold for 10 minutes stated there was no one available and then hung up on me. I called back and was hung up again.
In XXXX of XXXX I began receiving phone calls from Pioneer Credit in regards to student loan debt. I have not received written communication from them, although they claim to have sent it. In an effort to stop a possible wage garnishment I agreed to make XXXX good faith payments of {$100.00}. Those were done in XXXX, XXXX and XXXX. Since that time I have not had any communication with the company other then phone calls. Nothing written at all. On XXXX XXXX, XXXX I was informed by my payroll dept that Pioneer had submitted an order to garnish my wages. I have had no written communication from them at all. In my investigation I have found that they are not listed as servicers on my loans. I am unsure of who they are and until I get more information I do not want them to have the ability to take money from me. If the loans are mine I want to take care of them. I ca n't do that without verification and more information from them.
Failed to pay property taxes after 5 phone calls to bank. They denied they did anything wrong and told me to dismiss delinquent notices due to the fact they paid the taxes. However they never sent me proof that they were paid. I pay my taxes in my mortgage and today received a certifed letter of delinquency.
my credit report is so absurdly wrong and the credit co 's do n't care Ive tried to straighten them out I get inquiries from my corporation onto my personal credit report and they wont remove them I 'm XXXX and work for a co on my free time trying to raise money for my grandchildrens education and they think I own these corporations when it is in trust for my children. everytime I try to borrow money for the corporation they want to use my name I cant do that. they do n't understand but they put it on, my record anyway I want all this stuff removed please
XXXX -THIS COMPANY REPORTS ABOUT RENT ISSUE, FIRST OF ALL I MOVED GAVE XXXX DAYS NOTICE, AT XXXX AT XXXX XXXX BAD XXXX XXXX I WAS NOT MOVING TIL XXXX DAYS AFTER I INFORMED THEM THEY SAID OK, I WAS A GOOD TENANT, BEEN THERE XXXX YEARS RENT WENT UP, I LEFT, I PAID WHAT THEY SAID OWED, WHEN I LEFT THEY SAID OWED XXXX XXXX ; T KNOW FOR WHAT I PAID I. XXXX, SO I WO N'T BE PUT INTO CREDIT REPORT, XXXX PROMISED, I JUST FOUND I BEEN REPORTED FOR NO REASON AFTER I PAID IN TIME, AND XXXX OF MY REPORT SHOW XXXX I ALMOST CRIED, I CALL, THEY SAID WILL TAKE CARE, STILL ON MY CREDIT REPORT, IN REMARKS COMSUMER DISPUTING, I DID WEB ONLINE INVESTIGATION. PLEASE HELP ME. I DID NOT GET A RECEIPT, BUT TRANSACTIONS APPEARS ON MY BANK STATEMENTS, I CAN GET FROM BANK ...
I am writing in regarding the recent modification proposal we received from Select Portfolio Servicing dated XXXX/XXXX/2017. We find the proposed modification to be predatory based on the following.
We were originally approved for a principal reduction with XXXX XXXX prior to our loan being transfer to SPS under the MHA streamline program.
Our loan was subsequently transferred to a new MBS as a means of not finalizing our government backed modification.
The original loan was entered into by my wife under duress while I was deployed to XXXX with the United States XXXX XXXX.
Due to the recovery period from my injuries and my inability to fully understand and respond to this process effectively we have been exploited in regards to this loan.
The modification paperwork covers up the fact the our principal balance is increasing by {$2500.00} in fees.
The loan is being recast from roughly 220 months to 393 months.
The LTV on the home is roughly 158 % after the modification.
While the modification lowers our current payment in drives us further into debt.
I would like KeyBank to return the bank fees they have caused my family an erratic amount of stress. We can not even buy food. 
The fees as of this morning are XXXX $ That is in fees alone. It is unheard of and unjust. 
That doesnt even include the disputes.
TransUnion Consumer Solutions XXXX. XXXX XXXX, PA XXXX ATTN : Legal Department Re : File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within XXXX business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX CTY MUNI CT ( Docket # XXXX ) ACCT. BAL : {$250.00} This account has been paid in full. Please delete. 
XXXX. ACCT. NAME : XXXX XXXX XXXX ( ACCT. # XXXX ) ACCT BAL : {$6800.00} This account was charged off. Please delete 3. ACCT. NAME : XXXX XXXX XXXX ( ACCT. # XXXX ) ACCT. BAL : {$420.00} This account has been charged off. Please delete. 
XXXX. ACCT NAME : XXXX XXXX XXXX ( ACCT. # XXXX ) ACCT BAL : {$440.00}. This account has been charged off. Please delete. 
XXXX. ACCT. NAME : XXXX XXXX XXXX ( ACCT. # XXXX ) ACCT BAL : {$1200.00}. This account has been charged off. Please delete.
Over a ago I was working for   XXXX   XXXX   XXXX   XXXX   of  XXXX , Pa. and I found out that the owner   XXXX   XXXX   had my Social Security Card in his possession.
I believe he used it to apply for credit under my name. As a result I now have several bogus accounts in my name under collections by   XXXX   for  XXXX ,   XXXX   XXXX  ,  XXXX  and  XXXX . None of these accounts I applied for myself.
I sent several cease and desist letters to the company requesting that they stop call specific numbers. I have stated on numerous recorded conversations that my cell phone number is not to called on the auto dialer. I discussed this issue with a supervisor in XXXX 2017, and I am receiving calls in XXXX 2017.
On XXXX/XXXX/16, I called the XXXX XXXX credit card company ( XXXX ) to let them know that I was not going to allow an authorized user ( XXXX XXXX ) to make any further purchases on my account. I was assured that she would be taken off and I would have no issues. on XX/XX/XXXX, I entered into my XXXX XXXX account to review it. I saw that there were XXXX rather large charges ( totally over {$1400.00} - XXXX including {$1000.00} in a gift card and another charge over {$200.00} made in XXXX XXXX ) assessed to my account. I immediately called them to dispute these charges as I had a XXXX balance on the account before these charges. I was directed to their fraud department and sent a subsequent report to fill out. I was told that the result could take 90 days. During this time, I received several harassing phone calls from them to pay my bill ... .I told them that the fraud dept told me that I was not to pay anything, nor would any interest be charged. until their investigation was complete. Today, I received their results ... ..I was not going to receive the proper credits because, in their words, " customer benefitted from the use of card/participated in the purchases. '' This was NOT possible as I was not even in the city of the store when they were made! In reviewing my on line account again today, I see that the purchase made in XXXX XXXX was indeed credited ... ... how, then, are they ignoring the other XXXX? I did not authorize any of them and, as stated, did not travel to XXXX XXXX, nor was I in the vicinity of the store where the purchases were made!
I checked my Credit report and Wells Fargo dealer had XXXX inquires on it. I asked for the application for permissional purpose and got letters back listing all kinds of dealerships.
The problem I'm having is I've contacted the 3 major credit bureaus and asked them numerous times to validate inaccurate information on my credit report. I will attach the letter I sent to all 3 credit bureaus.

All 3 bureaus mailed dispute result back claiming to have verified the items on my credit report. Now the issue occurs because they did not validate the information from the original data furnisher via by mail they did it electronically and also, they never produced a copy of the signed contract with my name on it. The 609 Fair Credit Reporting Act the ( LAW ) requires that the information on my credit report must be accurate, verifiable and not outdated and 100 % accurate. They all have failed to comply with the law and now I'm seeking assistance from the CFPB.
I was billed for medical services despite my submitting a written request at the time of admission to the hospital, that only physicians who are willing to accept Medicare as full and final payment should attend to me. The bill was never submitted to Medicare by the service provider.
My new mortgage company, Penny Mac, misplaced many of my mortgage monthly payments. The payments were placed onto my mortgage escrow account instead. It took countless effort from my part to finally have Penny Mac acknowledge their mistakes. Penny Mac fixed the mistakes made to my account, however, they reported me late to the credit bureaus and have not taken action to correct this matter with the bureaus.
Today, I find from XXXX XXXX that I have an inquiry from XXXX XXXX done me on XX/XX/XXXX XXXX. I have not authorize XXXX XXXX to do an inquiry. They do not have verbal nor written permission from me to put my credit report on XX/XX/XXXX. The time I given to them was in XXXX to open up one. I do not want them to put my credit report without my written or verbal permission. That is illegal plus unlawful. Plus it is lowering my credit. I want them to notice Equifax and get that unlawful inquiry off immediately. I would like for this to go public so everyone will know that they are pulling credit report unlawfully. 
I call Equifax today and was told that I have to call XXXX XXXX and have it remove. They ( she ) would not even investigate. Therefore, the company ( Equifax ) is sent out incorrect information. She told me to call XXXX XXXX myself but yet you are send out incorrect information. They will not be able to produce a written or verbal conversation where I given them permission in XXXX to pull my credit.
This company has obtained my credit report without my consent and for no legal reason. The credit reporting agent on the phone even agreed with me. This was a recorded call and can be verified once the company provides the recording. That he was unaware as to why his company will pull my credit because he was told they pulled my credit to obtain contact information. This is untrue because just a couple weeks ago I updated and verified my contact information with this company. Lastly they pulled my credit to obtain the same contact information that I gave them a couple weeks ago and did not even use this information. The company did not call me or contact me once they pulled credit. So why did they pull credit. What legal reason do you have to pull credit. Now I am terrified that you are pulling credit to obtain information that was given to you because you lost my information which now I am scared that my private information is out there for all to see.
I have a Discover credit card that has a large credit line that has been active with them since XX/XX/XXXX. I pay all balances in full every month and have excellent credit. I travel often and spend large amounts frequently. On XX/XX/XXXX, I tried to check into my hotel in XXXX XXXX ( XXXX XXXX XXXX ) and pay {$800.00} for a 4 night stay and was told Discover declined my card in front of about 10 people standing in line. This is after I've already made an initial deposit for the room weeks earlier and after we've already made several other food purchases in the area. When I called Discover, I was hung up on, transferred about to 3 people who couldn't do anything except blame me for " not signing up for their fraud alerts '', which I have actually done in the past as well as signing up for the suspicious activity on my social security number with Discover. They also blamed me for not calling them to notify them " every time I travel ''! We travel ALL the time, and we've never had to call before. Now after 22 years and hundreds of thousands of dollars spent ( literally ), I have to call me credit card company to get permission to use the card every time I travel?? No one at Discover could explain why they didn't attempt to call me BEFORE embarrassing me with declining my card. They have my cell #, email, and texting contact numbers, but they couldn't notify me? I have to call them to spend {$800.00} because I'm out of town? We are out of town on a weekly basis and never had this problem. Discover card is making the practice of using my card after being a LOYAL customer of 22 years ridiculously impossible. They STILL couldn't sign me up for text alerts. They said " I had to do it myself online '' after spending over an hour on the phone. The " new security standards '' have caused me embarrassment and are not realistic for someone who routinely travels out of town. No one could explain or help in any way, and I had to " wait for a manager to call in 24 to 48 hours '', but they couldn't give me a name or contact number of the person who would call. Horrible experience and unrealistic burden for a customer that buys anything in a city they don't live in!
Santander has reported excessive late payments on my credit report. I was never 90 days late. Santander stated that they repossessed my car at 85 days late so 90 day reporting is inaccurate, furthermore it was repeatedly reported as 90 days late XXXX times from the time of repossession dating past the point of settling the account balance in XX/XX/2016. This account is affecting the integrity of my credit report and defaming my repayment even after I settled my account to try and rectify my repossession. I disputed the inaccuracy of this credit reporting numerous times and santander is yet to thoroughly investigate it or correct it to this date I have XXXX 90 day late payments on an account that I never even had XXXX causing my credit denials and unfair interest rates due to the eccessiveness of the derogatory history that 's reporting. 
I have proof of these allegations on demand for review.
This is a complaint about a misleading advertisement from Salvation Funding. the attached advertisement was targeted to my elderly mother ( XXXX years old ), in the form of a check. the solicitation does not have the required federal disclosures, no APR, no NMLS #, and is miss-leading. These type of companies need to stop soliciting the elderly that can be taken advantage of. 

XXXX XXXX XXXX this website said that consumers are not given a loan but provided an attorney to get debt relief. 

very misleading and needs to be stopped.
I have written 3 letters and made one phone call disputing several iniquiries and asking for validation on my credit report. The last letter I sent off at the beginning of XXXX and I did not receive a response. Each response they closed the investigation without providing proof or any information on the inquiries. When I called I was told they will not investigate and to contact each company. I contacted each company through mail. Two of the companies could not find any information on me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Their is an incorrect address do another company posted on my credit report ( XXXX XXXX ). The others have yet to respond back within 15 days. Below are the inquiries that I have disputed several times. XXXX XXXX, XXXX XX/XX/XXXX Factual XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Check n go sold my debt to XXXX XXXX. XXXX has subsequently called all of the references I gave XXXX and either left a message or talked to them regarding a " complaint filed against XXXX XXXX and we need to speak to her today ''. This is not professional and borders on illegal dissemination of personal information.
My issue is with the Credit Rating Agencies. I had a " Excellent '' personal and business credit rating for over 25 years. Like so many others I lost everything as a direct result of the XX/XX/XXXX financial meltdown and was forced to file for bankruptcy. I spent the last 7 years rebuilding and now have a " Good '' credit rating and sizable amount of cash. I'm unable to secure a mortgage or have access to reasonable interest rates because the " rating agencies '' insist on keeping a bankruptcy on record for 10 years. This is an archaic and arbitrary time frame that is hurting the consumer and the economy. Someone has to look at this problem and apply a little common sense. I sent detailed letters to CFPB on XX/XX/XXXX and again on XX/XX/XXXX with no response.
XXXX BANK WAS PAIN IN FULL NEVER LATE CLOSED BY USER. I CALLED BOU THIS AD WAS TOLD IT WOULD BE UPDATED- IT NEVER WAS
I requested a detailed verification of a debt I was not familiar with. I sent the letter and was sent a response that was not sufficient for me to be able to identify if the debt actually belonged to me. I did not get any satisfactory answer after their initial response.
Home Depot has charged off this account stating I have never paid. I have been paying the XXXX group since 2013 and would like for this negative information removed from all of my credit reports! I have attached the credit report along with the supporting documentation that I have been paying the XXXX group and have settled and will be payed in full XXXX XXXX.
I opened a XXXX credit card account with Santander in XX/XX/XXXX. I subsequently cancelled it on XX/XX/XXXX but paid the annual fee that was due prior to my cancellation ( XX/XX/XXXX ). I sent the cancellation request via certified mail return receipt requested. For their billing cycle XX/XX/XXXX - XX/XX/XXXX I received a bill for fees and interest in the amount of {$49.00}. I returned a letter reminding them I 'd cancelled the account a year before and included copies of the certified mail receipts. A few days  later I received a call from Santander requesting I call them which I did on XX/XX/XXXX ; I had long conversations with several Santander employees explaining the situation until XXXX ( # XXXX - no last names ) who assured me the account would be closed and all fees, including interest of {$1.00} which had already accrued, would be deleted. This week I received a bill for the original {$49.00} plus {$26.00} fees and interest. I think it important to point out that my husband went through this same process with Santander less than a year ago ( case # XXXX ).