WillisBack/dataset-financial-user-claim huggingface dataset:
I have written Exp erian SEVERAL times aski ng them to remove a fraudulent account from my credit report and to remove fraudulent inquiries. I provided them a police report, an FTC Identity Theft report, and a notarized Identity theft affidavit but, they refuse to remove the invalid information from my report. They placed a fraud alert on my credit report but maintains that I have no fraudulent accounts on my report. I do n't understand why they put the alert on my account if there was no fraud.
Experian has a multiplicity of programs designed to assist in credit monitoring and credit repair. They provide regular credit score information if requested. The problem is that none of them provide consistent information and they also provide contrary information to creditors unbeknownst to the consumer of their credit management product. This seems to constitute a form of fraud. 
I recently became aware that there are three different experian credit scores associated with my social security number and a different score that was being provided to a creditor.
I have XXXX student loans with Navient and tried to work with them to reduce my payments based on my income of $ XXXX. All they offered was a forbearance- no income based repayment program. They charged me {$150.00} for the forbearance. I 'm paying over {$1000.00} a month! I 'm buried!!
In 2014, I was unemployed and collecting unemployment from XXXX. My federal loans were never registered as in deferment, despite me initiating paperwork to get them deferred. i entered default and have been fighting to get the lates removed for years. Since my loans were in deferment, there should be no late payments on my accounts. This is completely unreasonable.
JP Morgan Chase Bank, please answer the following questions : 1. ) On XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, JPMorgan Chase accessed information about me through XXXX XXXX XXXX , XXXX. 
*What was the valid reason for accessing my personal information through XXXX XXXX XXXX , XXXX? 

2. ) The Chase Checking Account that was closed recently during XX/XX/XXXX had a routing or XXXX number of XXXX, according to checks and statements provided to me by Chase. 
XXXX XXXX XXXX showed Chase reporting an XXXX routing number of XXXX, before and after I had disputed the XXXX number with Chase. 
*Why do these two routing numbers not match? 

3. ) XX/XX/XXXX, I received a response, from XXXX XXXX XXXX XXXX, to a dispute about information Chase was providing on my report. Dispute case ID XXXX The information Chase had been submitting was deleted due to disputed info being incomplete, inaccurate or unverifiable. 
*Is this true? 

Once again, I have asked 3. ) * questions. 

I will send the CFPB copies of the information I have pertaining to the 3 questions in this complaint, via US Mail, which are the XXXX XXXX XXXX, XXXX reports I've received. 

Thank you for your attention and humbly await your response,
A very long time ago, when banking with chase, I had given a teller money to pay off an credit card account. It was for around {$120.00} and I had much more than that in my checking.. however she did not apply the money there before I left for vacation.. and now many years later ( this happened 8 years ago ) it is showing up as a delinquent account on my report and caused me to get denied for something. This is extremely upsetting and I do not know what to do.
This is not a duplicate, I 'm asking for Experian to remove the late payments off XXXX account XXXX. It has been over 7 years from, the delinquency date which is XXXX 2009. I would like the late payments removed from the account, not remove the account as you seem to think I asked.
The bank obtained the property through a foreclosure. To the best of my knowledge any efforts to date to sell the property have been by an online auction process. This process has not allowed for interior inspection prior to the auction bid and could be one of the reasons why the minimum amount required by the Bank has not resulted in a sale. The home has remained vacant since XXXX, XXXX. The Bank is not maintaining the property. As President of the XXXX XXXX in which this property is located and as a home owner who lives XXXX doors from this house, I 'm particularly concerned about the vacant status and lack of maintenance of this home. A letter was sent to JP Morgan Chase XXXX/XXXX/XXXX requesting they work with the XXXX XXXX to retain a local Real Estate Agent who could market the property for them. A reply was requested by XXXX/XXXX/XXXX. To date ( XXXX/XXXX/XXXX ) we have received no response.
Freedom Mortgage, In review documents related to this loan it has been found that Freedom Mortgage has failed to properly credit payments to the account in a timely manner and have a history of this, paired with the fact they failed to send out statements for the better part of XX/XX/XXXX ( >6months ) leaves to believe that as a company they are failing to properly record payments in a timely manner or provide the service you are required to. Freedom Mortgage has failed to properly credit payments in XX/XX/XXXX and now in XX/XX/XXXX where the check for payment has cleared my bank and they have received payment and failed credit the payment to the mortgage this is not acceptable.
I have been disputing with the company since XX/XX/2015. I also submitted a ftc report regarding this complaint on the original company with no validation of the debt. I viewed my credit reports and also contacted the other 2 bureaus and they removed/deleted with no problem. I have contacted Equifax several times. I have spoke to different reps and came out with no results. I have sent in my police report 3 times and yet they still have not sent me any information. I have asked for proof that this account is mine. I have been dealing with this going on 4 years. This is not fair to me as a person.
Hi, I have property in XXXX, Ohio. Morgaged via Fifth Third Bank. I missed a payment and continued to be harrassed by Fifth Third Bank personnel. I requested that they do not bang on my home door. Not only do they appear at my door but each day I have received un-postaged envelopes in my mailbox and envelopes taped to my outter door for other residents to see. I have pictures of the envelopes left at my home. This is harrassment and intimidation by Fifth Third Bank that I do n't believe other customers are treated. I am an XXXX Female
i was registered as a cosigner on a student loan with citibank. in XXXX it was electronically signed. with out my permission. i was not givin any loan information as to the amount of loan or the intrest or payback policy of this student loan. i requested to be removed from this loan as co signer as it is not mine. citibank refuses to remove me and has also attacked my credit rating with this default loan. i am unable to work with citibank student loan on this issue. they are holding me responsible for this loan which is not mine. my credit rating has suffered for years with this problem. iam paying higher rates and not getting low intrest loans because of this. i request help in this matter. Thank you XXXX XXXX XXXX
Paid off loan in XXXX 2012. After multiple attempts have yet to receive my title or a lien release letter. Was told the original was " lost in the mail ''. Now I am expected to replace a title already paid for once and wait until Ally Financial decides it 's convenient for them to send me my documents.
The company recently was bought and is transitioning to a new website. I attempted to log into their website and was then notified they had transitioned to a new site. I had to create a new account and etc. I use a credit union and the account information I enter with some institutions, I can omit the zeroes at the end of my account and some require them to be used. When I put in the account number apparently it was incorrect by XXXX standards and I was charged a XXXX NSF fee. After seeing the fee, I checked the old website and miraculously that website was active that day and I was able to log in and make a payment. I scheduled a ONE TIME ACH payment for XX/XX/XXXX. A day or two later when I attempted to log into the old website, it again prompted me they had changed and I had to go to the new website. Upon logging in, I saw no record of a XX/XX/XXXX payment being scheduled and that my payment information was showing REOCCURRING payments starting on XX/XX/XXXX. I did not authorize for reoccurring payments nor schedule one on XX/XX/XXXX. Secondly, now I will be charged late fees due to the switching back and forth of websites and never knowing which one to use. During my customer service experience, I had one CSR close an online chat and said call them if I needed further assistance. Also, this is the only company I use that charges me to pay my bills.
XXXX XXXX XXXX garnished my son 's wages in violation of both Arizona and Washington law by failing to provide proper notice. They then garnish XXXX pay which was exempt from garnishment, again in violation of law. When we had an attorney contact them regarding this, after not responding toe the attorney for almost three weeks, they finally agreed to reverse the garnishment - BUT NEVER DID SO. We then settled the matter for {$4000.00}. They still did not stop the garnishment, and just garnished my son 's wages AGAIN! And they haven't ever reversed the garnishment or refunded the monies taken in violation of the law. They are rude. They don't return calls or emails. They are snooty and seem not to even care that they are violating the law. I find the way they treated us to be disgusting and shameful. I am pretty sure they treat other consumers in similar manner
I put {$560.00} cash into an ATM at the Wells Fargo, XXXX XXXX location. The machine took the money and my debit card but did not credit the account. When I went inside to get my cash and card back they told me they could n't do anything and to call the 3rd party ATM vendor. I can not feed my children this weekend because I no longer have access to my {$560.00} after the ATM machine took the money and did not credit the account. It has been 2 hours and still no $ XXXX
XXXX XXXX continues to erroneously report ( and puts back on my credit reports if removed ) that I am not making payments debts that are more than 4 years old. ( past the statute of limitations in CA ) They are not allowed to report a late payment because the account has been closed for years and I have never agreed to pay them. Every month they erroneously report late notations.
I have a collection record on my credit report with Experian. This collection is regarding a medical bill. The reason that this bill is not paid on time is that I was never informed that I have this unpaid bill by either the hospital or collection company. 

First, I have never been contacted by hospital for this bill, and I thought it is paid by my insurance company. Second, after the bill was transferred to the collection company, XXXX XXXX, this collection company never contacted me regarding this bill as well. In fact, I never know this unpaid bill was existing until the landlord told me I had a collection in credit report when I applied the apartment in 2014. 

It is the hospital and collection company 's fault for not contacting me, while not my fault to refuse to pay it. My insurance company can cover the bill directly, so that I do not have motivation to default on it. Both XXXX and Experian have removed this wrong information after I dispute with them. 

Experian is the only agency that refused to remove it after I disputed with them twice. I strongly believe that Experian does not do their investigation and due diligence well, and allows this wrong information to continue shows on my credit record to indicate I had a bad record to pay the bill, which is clearly not the truth according to the facts I listed above.
On XX/XX/XXXX I commenced a pre-qualification process with synergy one Lending ( XXXX XXXX ) because I was advised that I needed to cross qualify with the home builders preferred lender. Though I previously secured a lender, the builder offered a monetary incentive of $ XXXX to use their lender. On XX/XX/XXXX I received a loan estimate worksheet stating $ XXXX to close. On XX/XX/XXXX I received a loan estimate reflecting $ XXXX to close. I declined the offer as it was not competitive. On XX/XX/XXXX I advised that I was not interested in using synergys services. XXXX XXXX ( Sales Manager ) emailed me on XX/XX/XXXX asking me to provide her with the estimate from my lender and that she would work out the lender costs so that I could retain the $ XXXX builder credit. Subsequent emails ( available for review ) from XXXX XXXX ( Loan Officer ) and XXXX XXXX ( Loan Officer Assistant ) offered $ XXXX in builder credit and $ XXXX in lender credit. I agreed to these terms and the Los estimate reflected these terms. However, at the time that I prepared to move forward with Synergys Loan, I was told that the credits offered were applied in error and that a new loan estimate  would be sent to me. At this point I received my 3rd loan estimate which reflected only a $ XXXX builder credit, the lender credit was removed. I contacted the VP of Sales for the builder ( XXXX XXXX ) by the name of XXXX to file a complaint. I was advised that I would receive her loan estimate ( 4th estimate ) with the correct amounts. On Saturday I bet with XXXX to provide him with requested documents to process the loan af which time I was advised that I would receive a new estimate which would supersede all previous estimates. Upon receiving the estimate, the cash to closed increased by $ XXXX and the $ XXXX credit was removed and no lender credits remained. This bait and switch tactic was predatory and I advised XXXX XXXX that I was aware of what was transpiring. After I sent emails showing proof of the offers both to XXXX and XXXX, XXXX failed to respond and XXXX provided no explanation as to why these offers were made to me or why they were offered dishonestly and in bad faith. Quite frankly this process attempted to distract me as the consumer from the games with the loan being offered. Another issue is that, synergy proceeded with underwriting my file and processing although I never agreed to process my loan with synergy. I was simply trying to obtain the pricing info. Synergy proceeded with processing the loan with my authorization. I am within one week of closing on my home and had I stopped the process with my current lender I would have been forced to work with Synergy just so that I wouldnt incur charges for dejayung close if sale. There are several online reviews to this effect for XXXX XXXX and the predatory practices that plague consumer experiences with their company. I am requesting a follow up call to investigate this matter.
I sent wriiten notice saying : 'Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove  : Company will not reply back to me..
I have several accounts on my credit report that do not belong to me : XXXX : XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$230.00} {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$170.00} {$170.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$57.00} {$57.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$1900.00} {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous All Others {$0.00} {$0.00} XX/XX/XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Midland Funding bought a debt from XXXX ( South Dakota ) XXXX Midalnd claims it 's a debt I owe. I send them a request for verification and they could not provide any evidence. I informed them I never have process a loan with XXXX. The debt shows on my credit report rendering bad score.
I received first correspondence around XX/XX/2016 for an alleged debt for XXXX. I immediately responded and disputed the debt as well as requested " validation '' or proof of alleged debt. A week or so after I received a blank invoice from collection agency holding supposed " debt '' with a total balance due - No line items or explanation of what the amount due was for. I then responded requesting evidence of debt rather than a blank invoice with no line items or proof of debt. The representative assured me that this " debt '' would not be reported to the credit bureaus until I received some sort of validation explaining services rendered or detailing what charges occurred for me to be responsible for this debt. 

I received no further correspondence until I learned that this company has since reported this " debt '' against my credit and my score has since dropped XXXX points. I then called yesterday, XX/XX/XXXX requesting explanation of this behavior and why I was not contacted with further proof of supposed debt. I was quickly transferred to their collections floor manager ( XXXX ) who could not explain why they had illegally reported against my credit and seemed to not be interested in answering any of my questions. He seemed to have a tenuous grasp of his credit reporting procedures and instead of answering my simple questions he decided to call my questions " contradictory ''. He curtly advised that I call another department for explanation of this. I believe he knew his agency was in the wrong because he kept trying to push me off of the phone. When I finally asked him point blank if he has the power to delete credit accounts that have already been reported he abruptly hung up on me, which I obviously found to be very rude, instead of attempting to help me in any way. Or explain in any degree of detail why I had not received any proof of debt. They should have not reported this supposed debt while it was under dispute. 

All calls are claimed to be recorded and I have responded quickly to any attempt to collect this " supposed '' debt. I am contemplating retaining legal council to deal with this problem because the agency in question seems to not want to adhere to the strict laws that protect consumers like me. This process has caused me a great deal of stress and mental anguish as well as affected my otherwise impeccable credit record. I feel like I have exhausted all avenues that are available to me as a consumer and this is my last effort before retaining legal council. 

Thank you for your consideration
As a part of an agreed contractual agreement, the account was paid in full and specifically negotiated with the company, that the negative item would be permanently removed from all reports ( Transunion, XXXX, XXXX. ) As of this date, although the status has been updated, the item remains, which was NOT the agreement and is still negatively impacting my reports.
Midland Funding called and wanted me to make payments on this debt.They told me they wanted payments of XXXX month in XXXX payments.I told them that would not work out that I do not work because of serious medical issues.Then they start asking me about how I get money and how I pay my other bills, just prying.As they were talking, there were higher amounts they were asking for.By coercing me giving me speeches of paying off bills and where do I want to be in 5 years.I tried to tell them I could not afford much but would try to give something.They told me I had to pay XXXXmonth on both accounts that 's XXXXmonth I ca n't afford on XXXXmonth.Not including my rent, electric, oil, medications life saving that I told them.These collection agencies get away with coercion, making people feel pressured and cornered, not only pressured but it makes people feel low esteem, low self worth.
XXXX XXXX, XXXX WRONGFUL FORECLOSURE BANKRUPTCY - VIOLATION OF AUTOMATIC STAY ORDER sec. XXXX XXXX XXXX, XXXX XXXX XXXX, Attorney for ; The XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX United States Bankruptcy Court XXXX District of California C/o Hon. Judge XXXX XXXX XXXX Case No. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX XXXX : VIOLATION OF BANKRUPTCY CODE 11 USC 362 AUTOMATIC STAY NOTICE GIVEN TO ALL PARTIES AND THE HON. JUDGE XXXX XXXX XXXX It is known to me that the Attorney 's of record and purported successors-in-interest ( " Claimant '' ) have conducted an unlawful foreclosure sale of the subject property in this order, on XXXX XXXX, XXXX, approximately at XXXX XXXX. ( Exhibit A ) The Debtor ( " XXXX XXXX XXXX '' ) has diligently investigated several suspicious documents which were examined by the Secretary of State of XXXX, and where rejected for " Authentication '' issues which involve ( d ) ; 1. Notary Jurisdiction 2. Illegible Seal, and 3. Signature does not correspond to the one on the acknowledgment/XXXX submitted 4. The document has not been notarized according to the appropriate California Civil and/or Government Code. 
5. Jurisdiction ( XXXX ) - Is under review for criminal investigation regarding a Complaint filed against the " Trustee Deed Upon Sale '' filer, ( " XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX '' ) for Fraudulent Conveyance of title, amongst other new findings to be announced, under the laws of XXXX and XXXX. 
This Complaint has been filed against the Parties named above, and a pending complaint against the Attorney 's as follow ; 1. XXXX XXXX XXXX 2. XXXX XXXX Upon new information from the authorities, Debtor shall keep this Court inform of their findings. 

Sincerely, XXXX XXXX XXXX XXXX XXXX EXHIBIT A MAILING LIST : XXXX Attorney General XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX Federal Bureau of Investigation XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX Federal Trade Commission Reference No. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX
On XX/XX/XXXX I filed complaint number XXXX with the CFPB. In response to the referenced complaint, you claimed to take consumer protection obligations very seriously ; However, based on the evidence you provided in your response, regarding reference number XXXX, is it clear that your company is engaged in the ILLEGAL practice of re-aging of an account. 
Section 623 ( 5 ) ( A ) of the FCRA clearly states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
Upon reviewing the information you provided in response to complaint number XXXX, it is clear that the account 's date of first delinquency ( DOFD ) was in XXXX of XXXX or a date earlier than XX/XX/XXXX reported on my credit file. While you claim that it is your right to report to the major credit reporting agencies, the act of knowingly reporting misleading information or engaging in account re-aging is ILLEGAL. 
By changing or failing to provide the date of first delinquency, the FCRA compliance date, it is clear your intend is to reset the clock so as to have more time to collect on this alleged debt. I would like to remind you that it is ILLEGAL to change the purge from date on a negative listing causing it to remain longer on a consumer 's credit report longer than allowed by federal law.