WillisBack/dataset-financial-user-claim huggingface dataset:
This account was settled and paid with XXXX XXXX on XX/XX/16 in the amount of {$230.00} with a XXXX Representative by phone. Not only has the debt been paid, it also is reporting inaccurate on my credit report showing a balance of {$160.00} with an incorrect Credit Limit Amount {$230.00}. I have asked the Collection Agency to show validity of the debt as well as asking the original creditor to show me proof that this account is reporting 100 % accurately. I have sent these request into the Credit Bureaus, Creditor and Collection Agency and still no response or the items requested returned back to me.
I 've had multiple issues with navient. The first huge one was forbearance. I was laid off an starting a new job soon but I just did n't have enough money to pay one month on my student loan. I called them to try and work something out but they told me all they could do was put me in forbearance but it had to be for 3-6 months! I could pay after I started my new job, I just could n't pay that one month so why would I need to waste my limited forbearance period on months that I could pay. They gave me no real choice. The second big issue is that when I was paying through sallie mae my monthly payments were way more reasonable. When I was switched to navient they shot up in the amount I had to pay monthly.
Synchrony Financial sent a letter with a credit card in my name that I never applied for to be activated. I called Synchrony Financial and they requested personal information such as a social security number to continue, to which I declined. I searched my records and found Synchrony Financial 's credit card was very likely issued to me via my Amazon account. Both Synchrony Financial and Amazon have been deceptive : the former in their attempt to get me to sign up and Amazon in failing to disclose they have sold or disseminated my information to a third party.
On XX/XX/XXXX I contacted AAFES after XXXX ( my debt negotiation administrator ) let me know that AAFES /XXXX XXXX will not negotiate our account. I explained this to AAFES and requested that i start paying on my account again. XXXX XXXX spoke to me, set up my ACH monthly payments and sent me an email with the Voluntary Payment Plan Agreement. I signed the agreement and emailed it back to BOTH XXXX and the XXXXXXXX email box on XX/XX/XXXX. It states on the agreement that if I don't agree and make payments, they will send my account for XXXX XXXX  and take my tax refund. My payments started on XX/XX/XXXX and have come out each month. I did everything that was expected from me. On XX/XX/XXXX I sent them my Hardship package to bring my interest rate back to 10 %. They had doubled my interest rate to 20 % when XXXX was trying to negotiate on my behalf. I have a fax confirmation that shows all pages went through to AAFES. I called AAFES on XX/XX/XXXX to follow up on the interest rate reduction and was told that I needed to call XXXX collections because AAFES sent into to collections on XX/XX/XXXX. AAFES never informed me that they were sending to collections. They had been taking my payment monthly and sending the monthly statement showing my payments. I called XXXX XXXX at XXXX on XX/XX/XXXX and explained all of this. He called AAFES and they told him that they never received my Voluntary signed agreement. I sent him the emails and fax confirmation showing that they are lying. My balance from my statement received shows {$4300.00}. Per XXXX, the new balance with the collection fees is {$5100.00}. I also verified that they're taking my tax refund this week. This is so wrong. I did everything that I was told to. Because they messed up, they're taking my refund and adding {$770.00} to a balance that I was already paying and they've gouged the interest rate. Please help. Thank you kindly.
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by American Education Services refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Experian fail to follow Federal Law by not notifyin In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. in which i was not notify. that this account from XXXX  was recent deleted from y credit report and now XXXX XXXX XXXX pleace this same account back on my credit report ... .i was not notify.
I have disputed this XXXX account in collections for the amount of {$2100.00}. XXXX allowed changes to be made to my account fraudulently and without my knowledge or permission. These changes caused me to incur {$2100.00} in fees early termination, equipment and so on. I called in XX/2015 and they said they would be removed and my account closed and the responsible party would be handled accordingly. I just noticed it reporting negatively XXXX is now saying it was placed in collections and is no longer with them. According to the law I am not responsible for this debt. XXXX says its on the collection company and credit bureaus to remove. I have no contract with XXXX who is currently holding this debt.
Wells Fargo Personal Credit Card ( including all other consumer products ) forcefully required all consumers to change their user profile and passwords in late XXXX - early XXXX without the adequate provision for consumers to retrieve their information in the event they got stuck, forgot their tangible card. This change got me locked out of my account a few many times causing delays in my credit card payments. Upon speaking to WF on the third lock down and one delayed payment, no action was taken to rectify this and I was recorded with a delayed payment on my credit score. I want to take legal action on WF for not providing consumers with provisions to retrieve their information at any given point in time. Security robustness can be provisioned without inconvenience.
I tried to resolved this and many accounts with chase bank several times please see attache documents that you can clearly see i had a judgement against Chase Bank for and incorrect statement. chase had to pay me the consumer. remove the balance on the account to zero  back in XXXX, XXXX. By thier own Attorney XXXX XXXX and thier agreement signed. 

I tired to get a gredit card in XXXX of XXXX with XXXX rewards, and chase refused, so I could not be apart of the rewards of XXXX. because chase hold that card. 

I tried save myself XXXX on an order, with XXXX and Chase holds that card. so I could not get that card either. the credit application was returned in 3 seconds flat and the name Chase was returned on the scree. it was very clear to me this is not due to my credit is because chase bank is hold a grudge against me for the judgment in XX/XX/XXXX,  if they paid the insurance policy thsi would not have been a problem please see attached documents. all trade lines were to be removed in XXXX, XXXX againts all socials attached credit card. according chase XXXX in the executive office they are on my reports and derrotory statemens from XXXX not to do with an auto loan, or any other loan. auto loan was paid in 11 months. Chase is discrimination when I apply for any card they have, the consumer has no idea who holds the card until it returned and then they state to many cards applied. chase is destroying me this way too! I want chase bank to remove all the credit card applications applied remove for my credit report.
Experian credit reporting agency deleted XXXX XXXX XXXX and XXXX account off my report last month after there investigation now on this months report they both have been re-instated this is wrong I contacted legal advice and was told once an account has. Even deleted it can not be reinstated again. Due to this my credit score went eay down again
Judgement in XXXX, TX I 'm not the correct person and I received a letter from the court stating they have never nor do they report to credit and they claim equifax and experian must be getting this information from a public data site. XXXX has removed it based on the letter equifax has not. Again, these have been NEVER reporting to any of the credit bureaus. We have asked or proof and validation of the Judgement from Equifax and XXXX and both have failed to respond
I was reported 30 days late XX/XX/2018, due to being hospitalized. I simply could not make the payment before the statement closing date. I called in to inform the bank about this I got not resolve. 

I was also marked as 30 Days late XX/XX/2018 due to hardship. When I tried to apply for a payment solution/help prior to the reporting, I was denied.
Last year, we had two significant hailstorms, and my house required substantial repairs. My insurance company paid for the repairs but required my mortgage company to co-sign on my check. I sent them three checks valued at : {$1400.00}, {$2800.00}, and {$23000.00}. They withheld 10 % of the total value of my claim ( {$4700.00} ) until the work was 90 % complete. They must inspect all work before they disperse portions of your insurance check. Several of my fellow soldiers on XXXX XXXX warned me that this company was taking their money and placing it an interest-bearing account then refusing to disperse the money when the work was complete. 
On XX/XX/2019, we contacted LoanCare to get an inspector to my home. They failed to send an inspector for nearly two months and refused to allow me to speak to a supervisor. I've requested an inspector every week since and to talk to a supervisor and they continue to ignore my requests. They typically say, " it's been escalated, '' or " there's no supervisor available you one to call in 48 hours '', and " the vendor hasn't responded. '' Despite my frequent requests, there has been no inspection scheduled, no supervisor has ever contacted me, and the remaining funds have not been released. I need to pay my contractors and shouldn't suffer consequences because of the company 's inability to assign an inspector.
On a XX/XX/2018, I contacted Equifax fried department, I spoke with XXXX in Customer service, then get Supervisor XXXX, who transferred me to the FRAUD DEPT who has access to my report. XX/XX/2018 Iyana in the Equifax Fraud DEPT.  processed a dispute to remove inaccurate reporting Bankruptcies. XXXX was very rude, and I let her know that. The inaccurate bankruptcies were deleted on XX/XX/18. On XX/XX/18 the very next day, I received notification that Equifax REINSERTED that same inaccurate bankruptcy ON MY FILE AGAIN! This was done by the same rude rep. XXXX. This is also ILLEGAL AND A CLEAR VIOLATION OF FCRA LAWS, that Equifax should abide by. Please see the attached law. At this point, I have already hired an attorney who has all this information. I was advised by my attorney to file an official complaint with CFPB and a few other regulating agencies. Equifax has failed to notify my in writing WHY an unverifiable bankruptcy was put back on my credit report which is law.
I have been disputing a fraudulent account where charges were made on XXXX XXXX XXXXXXXX account for months now. Finally XXXX has removed and deleted this account off my credit report. I disputed this also with experian numerous times and it is still appearing as an adverse account on my experian credit report. I have submitted proof plus the fraud form and the disputed item but experian is still currently reporting it. I am getting to the point where I have been more than enough patient with experian and XXXX in resolving this issue as it is causing me a hardship in obtaining substantial credit with this account on my credit report. I did NOT do these charges and I am at the point of obtaining legal advise in suing experian and XXXX for ruining my creditworthiness as they are not correcting this problem.
I purchased a new truck on XX/XX/2017. The truck was in XXXX XXXX, MO. I live in XXXX XXXXXXXX. All transactions where completed with documents sent back and forth via XXXX. The dealer purchased my trade-in sight unseen. Once I had signed the contract the dealer didn't like the final results and there was conflict. The dealer didn't want my trade-in once he saw it. The dealer quit communicating with me. 

Apparently a loan payment was missed. Once I was aware that a payment had been missed. I set up automatic payments online and all payments have been made as agreed to. 

I asked GM Financial to remove the late payment from my credit report due to the conflict with the dealership and the lack of communication. GM Financial has refused. I believe that GM Financial is acting in an unreasonable manner and I request that the late payment be removed from my credit report.
I am repeatedly getting calls both on my cell phone and my place of business. I have asked that they send a letter advising of the debt so I can handle it accordingly if owed and then block the number on XXXX. I 'm continuously getting calls from changed numbers and no letters have been sent. 

The other numbers that I 've been called from include:XXXX
In mid XX/XX/2015 my wife and I entered into a contract ( see attached ) with Toll Brothers to build a new house at XXXX XXXX in XXXX Florida. Despite the fact that their representatives ( XXXX XXXX XXXX XXXX XXXX ) knew we had at the time 8 rescue dogs, they induced us to sign a contract and send earnest money in the amount of {$110000.00} knowing that the ultimate bylaws of the XXXX ( when the property was turned over ) would never consider 8 dogs a " reasonable number of pets '' as per the bylaws. 

Toll Brothers Mortgage also failed to produce an acceptable mortgage at which point we formally withdrew from the contract in accordance w/ its terms and conditions. In reaction to our formal withdrawal they sited a portion of the contract dealing w/ " color selections '' ( see attached ) and said we voided the contract by not choosing them in time and that they were therefore entitled to retain our full earnest money. This position is despite the fact that they have since sold a home on the subject lot and can substantiate only $ XXXX in incurred expenses. 

Their company practices became even worse when, after {$15000.00} of legal expenses, they agreed to non-binding mediation only to reiterate that they were entitled to retain the entire earnest money. They would agree to return {$70000.00} ( representing a {$47000.00} loss plus {$15000.00} in legal fees to me ) despite admitting they had sold the property and they had little by way of actual damages. This is a terrible company with no ethics that should be avoided at all costs. We only wanted a reasonable offer which we felt would be in the area of their actual damages of approx {$17000.00} of out of pocket expenses. 

It should be noted that your agency recd many similar complaints ( FOIA request to follow ) and we feel by dropping any further action against Toll Brothers you are leaving more consumers on their own to deal with an unethical company.
My account is locked with Coinbase. Whenever I try to logon it asks me for identity verification and when I upload my driver 's license, it says the photo ID doesn't match because it just picks last name and middle name from the driver 's license. And my name on the account is First name, Middle name initial and last name. 

I called their customer support and they keep telling me that case is in the queue and specialist will have to look into it. It has been more than 2 weeks and the account is still locked. Every time I call their customer support they provide the same answer and they tell me they don't the timeline when the specialist will look at my case and they can't help me further. 

Right now all my money is stuck there and I am unable to access it. I am not even sure if my account has been compromised because they are not providing any information and not unlocking my account.
XXXX, XXXX  and Experian continue to report that I have 2 dismissed chapter XXXX 's even though I have sent them the letters from the Trustee showing that I did not enter into a Chapter XXXX wage plan. Reporting that I have dismissed Chapter XXXX 's indicates I entered into a plan that was dismissed and that is not correct. I never entered any bankruptcy plan as the alleged single debt was never validated as being owed to the alleged creditor. This is erroneous reporting and needs to be removed. I have reported this erroneous reporting multiple times with the latest reporting being XX/XX/2019.
We met with a mortgage lender to find out how much it would cost to close on a new home. We were told that the normal closing costs were {$1300.00}, but because we were premier clients, it would only be about {$600.00}. To start the application, the banker withdrew {$480.00} from my checking account but told me it would be part of the closing costs. On Friday afternoon, XXXX XXXX, 2015, I contacted the lender to see if he had a closing statement ready for our XXXX XXXX, 2015 closing. It was at that time I found that the bank was charging me an additional {$630.00}. I immediately began making telephone calls, but no one was available to help me. At the closing on XXXX XXXX, 2015, the title company showed me a good faith estimate explaining the closing costs. This is the XXXX time I saw the document. I asked the title company to sign, date and give me a copy of the GFE. 
The lender insists that my closing costs were only {$630.00}, but disregards my downpayment of {$480.00}
I disputed a collection on my credit report for Convergence Outsourcing and received dispute results after completing the processing of my dispute results were removed/deleted. The date XXXX complete dispute was XXXX 2015. On XXXX XXXX, 2015 the collection agency, Convergence Outsourcing, re-reported on my credit report and they have already been removed. I do not have an account with this company nor have I received written communication from Convergence Outsourcing. Please assist in the removal of Convergence Outsourcing permanently. Thanks
Please be advised that I have been a victim of a Rip-off from New Century Financial and XXXX XXXX ( the XXXX public records in the Court ) New Century Financial Services is a Collection Agency that 's committing Fraud, using XXXX XXXX XXXX They manage to get my Social Security and my information. Once your name is given, New Century Financial Teams up with XXXX and XXXX which is a law firm located in XXXX NJ and XXXX and XXXX is involved in the XXXX. XXXX & XXXX goes to the court and file factitious and fraudulent judgments against taxpayer. I find out that the person who contact my agency in XXXX works in the Court and also with XXXX and XXXX. They have a scheme where they would constantly Harass and embarrass the taxpayers to the point where they are calling taxpayer 's place of employment and in violation of Federal law. I send a report to the Consumer Affair reporting this case what they did to me, but no ones response yet. Please note that these XXXX account has been paid in full. ( I been calling the person that contact my agency and XXXX and XXXX so they can remove this from my credit ) and now nobody appear. 




Please look at these links Ripoff Report posted on New Century Financial. You can view it at http : XXXX XXXX XXXX. 

Please remove this from my credit report when I look for Job the companies always are referring to this Judgment.
I have a loan with Wf Bank Na. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and Wf Bank Na with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
R.S.Clark and Associates are inaccurately reporting to my credit repor t (  XXXX  &   XXXX   ) a debt that does not belong to me. This debt as been disputed several times and they are continuing to report it as " verified ''. This debt collection ag ency is in direct violation of my rights and the Texas law by not being properly licensed and bonded in the  State  of Texas to be a debt collector. They are reporting false information monthly on my credit report, as well as not being legally authorized to do so.
I am in the process of trying to close on the purchase of a home for me and my family and by some means or another Equifax have applied dispute comments on one of my accounts listed on my credit file. I have been calling Equifax repeatedly to try and resolve this issue by removing these comments to no avail. I have been transferred to the XXXX department for escalation about this matter on numerous occasions with no success. Today was suppose to be the end of my last 72 hour period for these dispute comments to be remove and I am about to begin being charged for extensions provided to me by my lender. I am disappointed that it has taken weeks and still to wake up to no results and broken promises. Below, I have listed some of the dates, confirmation numbers and people to whom I've spoken with about this matter. 

Account- State of TN Docket # XXXX or Equifax Account # XXXX ( listed on their website ) Beginning on the XX/XX/XXXX up unto XX/XX/2019 I have received confirmation # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Names of individuals that I have been in contact with including supervisor 's include : XXXX, XXXX, XXXX, XXXX, XXXX The last person I spoke with was XXXX who is a supervisor within the XXXX department who provided me with confirmation # XXXX and promised me on XX/XX/2019 that the comments would be removed in 24 to 72 hours. 

The comments listed state that this account is currently being re-investigated which the delinquencies reported on this account is inaccurate. I have visited my local child support office and they have informed me that no delinquencies have been reported on their behalf.
I checked my credit report today XX/XX/XXXX. I do not recall applying for this loan also as I 'm looking at this report is shows as of XX/XX/XXXX it is current, then is goes 60days past due as of XX/XX/XXXX. How is that? I do n't understand how an account can go from current to 60days when there are only 30 days between billing cycles. So not only do I recall applying for this loan it is obviously reporting incorrect as well. I would like a copy of the signed application showing that I applied for this loan. Given that on multiple aspects information is not being reported correctly I would like this removed from my report.