WillisBack/dataset-financial-user-claim huggingface dataset:
Approximately two weeks ago, I filed an online dispute with TransUnion about an account that had been paid in XXXX XXXX, but was showing as unpaid collections in my TransUnion credit report as recently as XXXX XXXX. I contacted the creditor to confirm my records and they informed me that the account had indeed been paid in XXXX of XXXX and that the account had a {$0.00} balance. The creditor informed me they would contact the credit agencies to have the item removed. Last week I received confirmation from TransUnion that my dispute had been completed and the item was removed from my TransUnion credit report. While that was the outcome I wanted, TransUnion consequently LOWERED my score by XXXX points, while my scores with XXXX and XXXX were simultaneously INCREASED by XXXX points and XXXX points, respectively. I contacted TransUnion by phone and was provided no satisfactory answer as to why upon completing my dispute with them ( where a negative item that had been shown in collections had been removed ) they lowered my score even as the other XXXX agencies increased them. TransUnion should have INCREASED my score, but has apparently chosen to penalize me for appropriately correcting a negative misreported error. TransUnion can not explain their reason for lowering my score in this matter. This is not as complicated as quantum physics - it is a simple matter of right/wrong and them refusing to do the right thing. XXXX increased my score - TransUnion kept reporting the error for two years and has chosen to dock me XXXX points for correcting it.
This debt was paid and still reported by XXXX. I ca n't even fond aeay to contact collectir to try snd settle, even though I dont owe, I want it to go away and am willing to do whatever.. Inclufing settling!!
There are XXXX incorrect addresses showing on my credit file. Please remove them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE CORRECT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
This is XXXX XXXX I have been dealing with XXXX XXXX and now have Student Loan Care llc contacting me from XXXX XXXX XXXX to say I 'm passed due and need to pay XXXX $ or my account will cancel. Once cancelled they will have to report XXXX $ on my credit that I will have to pay back. I consolidated my student loans a few months back in XXXX 2017 and did n't realize this company was n't in charge of my real student loans just the " interests '' and would help with my total amount. I signed a document for them to get auto payments until they had 3 payments of XXXX. Now that my bank has stopped payments when I found out I 'm getting calls like this ... <P/><P/>Hi this message is for XXXX XXXX my name is XXXX calling from sitting OK I a.m. calling in regards to a notification received by _____. Since it looks like you have missed ___ see payments your account balance with them is {$130.00} if payment is not received by tomorrow Friday XX/XX/XXXX your account will be place of the charge off with that means is that the account will be canceled. Since I would be marked um and negative on your credit report and you would have XXXX full him some of the {$1400.00} and one of them um you can please give me a call back at XXXX that is my direct line or you can send a response to the email or text message talk to you then bye-bye They are also texting me back after my bank stopped their automatic payments. XXXX who handle my student loans said twice that they were not a real company and nothing I pay them goes to my student loans and that I Was scammed. The number texting me was XXXX XXXX XXXX ... <P/><P/><P/><P/>1 ) Your account with XXXX XXXX has become past due. To avoid additional fees please give me a call within 24 hours at XXXX. Failure to r 2 ) espond with 24 hours, may result in negative credit and suspension of your enrollment with Student Loan Care LLC.
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Scammers Sir we have submitted a consolidation on your behalf. <P/><P/><P/><P/><P/><P/>I have left a message with my attorney generals office in case what I signed they can put on my credit. Any advice would be great! <P/><P/>XXXX XXXX
A bill that I owe XXXX XXXX XXXX was sold to RPM by XXXX XXXX XXXX. RPM was calling me approximately 10 times a day. I expressed to them that they were calling me while I was at work. yet they continued to call all day. When I talked to them on the phone they told me that if I did not set up a payment plan they were going to turn the bill over to an attorney and report it to the credit agencies. I told them when they expressed this that they violated the Fair Debt Collections Act. The person on the phone told me that he did not know that company.. I had to explain it to them. I asked numerous times for them to send me a paper statement so that I could put it into my bills and get it into my home budget so I could make payments. It took them 2 months to send me a bill. When I called to try and make a payment over the phone they said that they would not accept any payment that was less than {$500.00}. They refused to accept any lesser amounts twice and I was told that if I was to pay any less than that I needed to send a check. As soon as I received the bill I sent a check. They now have reported on my credit report as " Collections ''. I have no other derogatory remarks on my credit report other than from a company that is impossible to work with, I did not even have an address to send a payment to for nearly 2 months.
The complaint is against my mortgage company servicer. They sent an annual Escrow Analysis with incorrect amounts they claim will raise my monthly mortgage payment. The incorrect amount XXXX GA property tax of {$190.00} that my property is exempt from. My mortgage servicer Ocwen has documents in their tax files noting that this property is exempt from the XXXX, GA city taxes. Yet, Ocwen withdrew the XXXX from my escrow account causing a projected shortage, and Ocwen has increased my XXXX, 2016 mortgage payment to {$740.00}. If Ocwen would correct their records, my monthly payment should remain at {$710.00}.
Transunion will not respond to my dispute. I have been in contact with XXXX to remove these or provide validation that they do indeed belong to me. By showing a copy of a sign d contract. When I sent in a dispute for these things transunion sent me a copy of my credit report. Not even acknowledging that they will indeed open the dispute. When i call the representative does not see an open dispute. I do not think they have opened any of the disputes that I have placed. They just keep putting account verified. But they will not respond to any of my correspondence. 

My first dispute was on XX/XX/2017. I sent it certified mail and I got the letter notarized. They just said verified. I sent in another letter stating that the accounts were not validated. They said nothing. I sent in another letter and they sent me a credit report. I sent in a fax and have heard nothing.
In XX/XX/XXXX we contacted home Point Financial which is our mortgage servicing provider to ask them about a forbearance program due to Hurricane Irma. We were advised in XX/XX/XXXX early XX/XX/XXXX that we were approved for that but that we would have to repay that come XX/XX/XXXX. However, my husband lost his job due to the company closing and then contacted home Point again to ask them to start the benefit package through the VA to cover a mortgage until he gained employment again. We then waited and waited and waited made multiple phone calls in regards to the package they were supposed to mail us out to fill all of this documentation out. We finally received the package late XX/XX/XXXX. We filled it out sent it in and was requested by them multiple times to continue to update the information because it had been so long since they have looked at the package. There was never one direct point of contact for me to call and follow-up with. Then in XX/XX/XXXX when my husband gain employment I went to log on to make an online payment and they had locked us out of the system. Then from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX until now I was calling them asking to make a payment and they told me I could not do so because we have been in underwriting and we were told to wait until we had a decision. Then, yesterday I received a call from XXXX  at home Point Financial and she stated that we were denied the VA package due to income ratios. She then stated that they would start the foreclosure process and it could be done in weeks if not months. I then contacted XXXX at the VA and she pulled up our loan information and saw that we've had no modifications and nothing done to her alone so that we are still in the parameters of receiving benefits to prevent foreclosure from the VA. We are doing everything we can following up with phone calls trying to make payments and here we are being told that we have no other options. But I know that there are!!!
I was called by the telemarketer who had my name, address, and telephone number, and the last four digits of my XXXX XXXX number. The company is Consumer Defense Group in XXXX Florida. I asked how they acquired my personal information. They claimed that I had asked the company to help me reduce my credit card rates. I know this to be patently untrue. I am very careful with my credit, I pay all charges at the end of the month and carry no balance. I would have no reason to try to reduce my XXXX XXXX credit card rate, nor any other existing consumer credit rate. I asked the company to disclose who provided them with my contact information and account number. At first they tried to imply it was XXXX XXXX, when I challenged this, they said they did n't know. At this point XXXX XXXX, a manager, got on the phone and tried to assure me that everything was legal. I asked him why they would not provide the source of my personal information. He refused. He told me he had an A+ rating at the Better Business Bureau and that he was an up and up business. I challenge that assessment, as his telemarketing call was in violation of federal do not call laws and that his refusal to give me the information about his source of my private financial data was a great cause of concern to me. At this point, he said have a great day and hung up. The phone number they used to contact me is area code XXXX. While this company puts up the veneer of respectability, one has to be concerned that at some point they may be using private personal information unethically. I make this assertion on the basis that it appears they 're violating federal telemarketing laws, and they may be inappropriately receiving personal financial data. It is not a big logical leap to worry that their ethics may be compromised.
I have checked my report thru the monitoring service and see several items that are NOT MINE and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information off of my report being from reading here this is damaging my scores and I want it removed from my credit report being I know nothing about these items
XXXX has some how made their way on my credit report reporting false information stating that I owe {$400.00} from XX/XX/XXXX. The prior company was XXXX from XX/XX/XXXX in which I have sent a letter to, to prove and verify that this account is in deed mine and why they feel that it is mine. I gave them 30 days. No respond and no updates. The account was sold to XXXX in which they never have NEVER contacted me but instantly put this fraudly information on my credit report.
Asked repeatedly for debt validation and never received anything in the mail. This is a collection agency ( NAM ) who calls repeatedly asking for money to pay on an old XXXX loan. I am a XXXX. I have been on a XXXX way call trying to get the company to send the client debt validation information. The client has asked repeatedly herself for information in the mail stating money owed and where to send money. She has never received anything from this company.
My XXXX was deposited into my direct express debit card acct on XXXX but when I tried to order pizza that evening I rcd a msg that there was a problem with my card and to call my bank. All I knew initially was my acct had been suspended for suspicion of fraud and my balance was less than {$100.00}. My bank was alerted after XXXX transactions were made from XXXX merchants in XXXX, CA. They did not call me and I have to wait 3-5 days to file a dispute even though the transactions are still pending so should be reversed immediately. The thief spent XXXX in 4 hours and I 'm unable to pay my rent now. I have filed a complaint with the FTC, XXXX Police Dept, and do n't know what more I can do.
On  XXXX   XXXX ,   XXXX   I became a victim of identity theft when NetSpend Corporation sent my new prepaid card to an address in  XXXX , Florida although I reside in  XXXX , Georgia. The unauthorized charges totaled {$310.00}. On  XXXX   XXXX ,   XXXX   I used my NetSpend card to purchase a computer and software from  XXXX   XXXX   XXXX  in the amounts of {$2800.00}, {$190.00} and {$160.00}. On  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX  refunded me amounts of {$2800.00}, {$160.00} and {$9.00} ; the refund was charged back to my NetSpend card I used to purchase the computer and software. Note : All charges to my NetSpend card/account are text directly to my cell phone. On  XXXX   XXXX ,   XXXX   I received a text from NetSpend indicating that my account was closed with a balance of {$3400.00}. The {$3400.00} balanced included my refund from  XXXX   XXXX   XXXX . As of today,  XXXX   XXXX ,   XXXX   I have not received correspondence from NetSpend regarding what happened to my funds ( {$3400.00}  ) ;  if correspondence was sent then hopefully it was not emailed to the identity thief. I have check all of my credit reports and only NetSpend account was compromise. I also filed a complaint with the Federal Trade Commission. I will appreciate it if the CFPB can assist me in my attempt to recover my funds.
Investment Retrievers has been talking to my wife regarding my account. According to Alabama law, debt collection agencies should not talk to spouses. 

Investment retrievers has talked and negotiated settlements with my spouse.
I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. The Chapter XXXX was discharged in XX/XX/XXXX. Selene Finance is reporting on the credit report to XXXX that I was late on a payment in XX/XX/XXXX. In fact, this property and mortgage was included in the BK. they also are reporting activity on the account AFTER the XX/XX/XXXX BK start date. 
Both of those actions are in violation of the Fair Debt Reporting Act. As you know, the Fair debt Reporting Act forbids creditors from trying to collect a debt once BK proceedings have started. They also are still reporting as of XX/XX/XXXX " activity '' on this account that has been deleted since XX/XX/XXXX.
The XXXX XXXX XXXX applied for several loans on my behalf and simply had me sign my life away. 
I have complained that many of these loans being reported on my credit report are duplicates and need to have this corrected. 
My student loan balance went from $ XXXX to $ XXXX I need assistance in investigating this as I believe that the XXXX XXXX XXXX fraudulently processed loans on my behalf.
I am submitting this complaint about experian credit reporting agency as I submitted additional substantial proof that an account that is reporting on my credit report is incorrect. My XXXX charge card/XXXX is reporting with a 30 day late remark and listed under accounts that are potentially negative. This is wrong information. I contacted XXXX XXXX and received a letter from them stating that this account was never paid late and should be reporting as accounts that are in good standing. I sent in a copy of this letter to experian as additional substantial proof. Yesterday I received a letter from experian XXXX/XXXX/2016 that the information I sent in they will not accept and change the incorrect information on my report. Experian did not do a full investigation. The letter I sent in to them that came directly from the bank should be valid proof that my report needs to be changed. I had also contacted experian numerous times in regards to my credit report and was told they will not investigate this information again as it has been disputed a few times before. I was told only if I have additional proof will they do a re-investigation. Well I submitted the additional substantial information and it should have been corrected. Having this wrong information reporting on my credit report is causing a hardship on my credit score.
I was called by Harris and Harris regarding a medical bill. I was given specific medical information and was threatened by the associate that they had all of my personal information including my social, date of birth, employer information, insurance information and address. I asked them to cease communication and contact me via written correspondence only. The agent tried to intimidate me over the phone. I have been sick over the last year and have several bills that have been paid, but this bill I have no invoice for. I have a very common name so I always want to verify, but this agent started by disclosing what the bill was for without verifying who i was or if she was speaking to the correct individual. I was floored when I asked to cease communication and she mumbled something under her breath and hung up.
Bank of America , N.A . lost 14 years of trust records in which I am a beneficairy and never informed me that it lost the records. Bank of America can not account for large sums of money missing. Bank of America refuses to compensate me for the lost funds. Bank of America has not reported to lost records and funds as it is required to do under the patriot act.
CRA violation Experian took more than 30 days, were disputed on XX/XX/18 until now I did not receive any document back from them.
So Discover Bank has been ordered to provide ID protection to all of their cardholders for FREE! What about all of us former cardholders ho had their ID that Discover had hacked or sold
by Discover? 
I am over {$40000.00} in credit card debt thanks to Discover letting my information to be hacked or sold! 
I have found out that I have a XXXX XXXX card in my name, a card in the names of XXXX XXXX and a discover card in the name of XXXX XXXX! 
How many more Accounts has been set up using my name, SS number, birth date, home phone and/or home address from MY information that they got from Discover Bank? 
And HOW can I stop all this and being sued in court by Discover that let my ID to be hacked!
Several of my credit inquiries were removed on my transition report then later were reinstated without any notification.
XXXX client, XXXX XXXX is a victim of identity theft. He was notified of an account established with his information without his consent. An inquiry was also conducted into his credit XXXX credit report to help establish this account XX/XX/2018. A formal dispute of this was sent to SYNC/XXXX XX/XX/2018 certified mail with return receipt and as of this date SYNC/XXXX has failed to send a reply or an update as to the status of the investigation.
On XXXX XXXX, 2014, I made a payment for {$100.00} to Capital One Credit Card. After completing my payment I obtained a confirmation number XXXX. A XXXX later I get a late fee and higher minimum payment in my Capital One credit card statement. I contacted Capital One and spoke with representative ID XXXX and he apologized in behalf of Capital one and removed the late fee and fixed the issue of the bill statement. He also stated that this issue was not going to be reported in the credit bureau as it was a clerical error done by Capital One. However, I pulled my credit reports and Capital One has entered a late payment of XXXX days in all of the credit bureaus. I have called and I have sent XXXX letters to them so they correct the wrongful entry in the credit reports, but they continue to respond that I was late and that I did not make the payment. I have the confirmation number and the ID of the representative that I spoke with a month after. This is totally unfair practice and bad faith it should be corrected.
I have a loan with ( CAPITAL ONE XXXX XXXX ). 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   and XXXX ) and ( CAPITAL ONE XXXX XXXX ) with no successful resolution. ( XXXX ) only reporting me late. There was definitely an error on their part. I was never 60 days late ( Date of Late Payment )
Once a week I 'm getting calls from all over the U.S. from " Navient '' asking for payment of my loan. They are aware I ca n't pay at this time, yet they are pushy in receiving this money and ask if there is anyone else I know that can pay it which is ridiculous. I feel that this loan provider is disrespectful when asking for money and even hearing my struggles to pay them off.
This is with Credit Central of XXXX Alabama, fell behind on loan and can only pay XXXX biweekly, yet company continues to call my job after my manager and i both asked not to call. XXXX store manager advised if i paid my bills they wouldnt call with a very nasty attitude. This company is not professional and very belittling to clients. Since they are not governed under FDCPA, they feel they can practice like this.
This past XXXX my chapter XXXX bankruptcy was discharged. Originally I was going to reaffirm the car loan I had with XXXX XXXX. InXX/XX/XXXX I decided to turn the car in thru the bankruptcy rather then reaffirm the loan. Finally onXX/XX/XXXX they sent someone to pick up the car. I started checking my credit report and scores shortly after this and each time noticed that Prestige was still reporting that I had the loan and was behind on payments. I tried contacting XXXX and did a dispute and whe the investigation was complete it stated it was correct from the info they received from Prestige. I have disputed this on 3 occasions now. I have also contacted Prestige on 3 different occasions and each time the person i have talked with has said yes I was right and they would report it to there credit reporting department. Nothing is happening with this as it still is showing as a debt that is now more then 120 days behind. I have not had this vehicle since XX/XX/XXXX and would like this off my credit report.