WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, It appears that the credit bureau is still reporting account listed as XXXX ( XXXX XXXX XXXX ) as open. Account has a zero a balance and company agreed after refund and acknowledged errors to report as " paid as agreed '', or to remove all reporting of the item from all consumer credit reporting agencies. Thank you. XXXX XXXX
Equifax has continued for the last 5 years at least to put an item on my credit report which do not include my birth date or social security number. I learned after thinking this item was removed from my account that it was placed on it again in XX/XX/XXXX. At which time I contacted XXXX XXXX XXXX XXXX and in a three way call with XXXX XXXX proved that the billing was not mine and my accounts with XXXX XXXX XXXX XXXX were paid in full and I did not use them on the date in question. Since this time XXXX XXXX has requested that this item be removed from my account but for some reason Equifax refuse to remove it and only states that the consumer disputes this account information which is what I did when it was first placed on my report. Equifax never responded to the dispute and after the seven year period when it was coming off it was placed on my report again without a birthdate or social security number to verify it is my account. This false information has cause great financial hardship, mental and emotional distress with the difficulty it cause in obtaining items on credit and the higher interest rate I am charged for this false information. 
Item to address recent collection account XXXX XXXX account number XXXX date filed XX/XX/XXXX last date reported XX/XX/XXXX.
I was sent a mortgage modification from my mortgage company " Ocwen '', I filled out no paper work it was just sent to me. So I decided to take advantage and started the trail payments. I finished the trail payments which I set up on their website to be automatically taken from a bank account, so that I would not be late. I noticed the payments had stopped and asked my mortgage counselor why. I was told they would resume once the mortgage modification was approved. So I left enough money in that account to make the first payment. We are on a very tight budget and owe money to other debtors as well. So every extra dollar we use to try and pay off a debt. I asked the counselor do I have to do anything or change any information. I was told no they had my bank info and the payments would continue to come out automatically. The modification was approved XXXX months later and I was told I had to send in XXXX payments. I told them I did n't have XXXX payments I thought they would take the payment I left in the account when it was approved and I would add another. I was told at this point it was my fault and responsibility to keep paying. I argued I was miss informed could they please help me there is no way I can send XXXX dollars. Please add the payments to the end or can we stretch them out over XXXX years seeing I was having a hard time with the payment before the modification, how would I now be able to pay a higher payment if I could n't before the modification? I was angry and they were very demeaning telling me as a homeowner I should know better. I said to them why did you stop my auto pay they had no answer it my responsibility. I again explained I trusted their direction and now they will kick me and my wife and kids out on the street if I do n't give them at least XXXX and they will set up a payment plan for the rest. I don ; t know what to do I don ; t want to be homeless, we have lived here for almost XXXX years. Please help they seem to do and say what ever they want.
My email address of XXXX is incorrectly being used by XXXX XXXX XXXX to collect a debt from someone with the same last name as mine who lives in XXXX XXXX, La. I  have phoned them four times. On my last call, earlier today, a representative named XXXX from the XXXX XXXX XXXX XXXX XXXX, XXXX, told me it would be against their policy to remove my email address from their address of record because they did not have the permission of the client. Santander is contributing to identity fraud by refusing to admit they are contacting the wrong person.
I purchased a home a little over a year ago for XXXX and have paid it down to {$41000.00} balance during that time. I requested to have my PMI dropped and i received a letter stating that my current LTV is XXXX percent. And it outlines a series of costly measures that i need to take including an appraisal which costs around XXXX done exclusively by XXXX of their service providers. I got an appraisal to purchase the home just a year ago that surely should suffice. I spoke to someone at Caliber on XXXX/XXXX/17 and although she was pleasant, the only thing she did was quote policy. I told her that the federal guidelines state that at XXXX percent LTV that the PMI must be dropped. I know that they need to protect their investments but mine is not an everyday situation and it think that common sense should at least sometimes outweigh policy.
Received a call from an unknown number and was informed that I would be served with legal papers on XX/XX/XXXX between the hours of XXXX XXXX and XXXX XXXX. Gave me a number that I could call if I needed to reschedule. Received a text message from my sister with a voicemail attached. The same person that called me called her and left her the same message telling her that the message was intended for me but left my sister a message saying that I would be served with legal papers on XX/XX/XXXX. I have never heard of a process server calling someone and tell them that they are going to serve them legal documents and I do not feel that my personal information and situation should be relayed to my family and friends. This is a private matter.
I have filed several complaints with CFPB, and now there is another debt collection agency trying to collect for the same invalid debt. This company is called XXXX XXXX XXXX XXXX. I have not gotten a tax refund since XX/XX/XXXX, because XXXX and the Department of education have been keeping my refund every year. I had a {$2500.00} loan in XX/XX/XXXX, and it was discharged because the school closed due to improper record keeping and faulty aka fraudulent student loans the school was conning students into signing. In XX/XX/XXXX I was part of the class action suit against XXXX XXXX. None of these debts have EVER been on my credit report, and the XXXX XXXX was so old it's has long ago since been removed from reports. All of this fraudulent student loan stuff with the debt collectors &  whatnot started in XX/XX/XXXX, right after Trump took office. I have documentation of every phone call ie : dates, times, names, etc since it started. I also have added up the amount of money taken from me from my tax refunds over the years and it adds up to a bit over {$10000.00}. I want my money back that has basically been stolen/embezzled from my tax returns for the past decade. I am more than willing to provide any info or documentation needed. 11 years for a charged off to begin with {$2500.00} debt from XX/XX/XXXX is XXXX.
Our account was just transferred to another servicer. From XXXX to SLS. 
All of the documents requested by XXXX was submitted. They had a complete modification package according to the representative assigned to our account. 
We had no idea our loan serving had changed until we received the letter. 
SLS sent us a letter of denial for a loan modification that they did not process.
I contacted Midland Credit with XXXX debt validation letters. They ignored all of my requests for validation. I do not recognize this account and I want it removed from my credit report!
CRA violation no knowledge of the fraudulent accounts appeared on my Equifax credit report. FTC ID Theft report # XXXX
Hello, I was impacted by the Equifax hack, and was told I was eligible for identity theft protection through them. I registered with TrustedID as requested, and received an email saying I should set up my account. 

When I tried to set up my account, I was told either my birthday, or social security number was incorrect. Obviously, I know these things pretty well, and called the company. 

AFter 3 called to TrustedID no one is able to help me. I 've repeatedly sent " verification documents '' to them including a photo of my driver 's licence, XXXX bill, and utility bill, attempting to figure out where the data mismatch is. 

No one ever calls me back, the person on the end of the phone pretends they do n't know what a case number is, and I 'm unable to talk to a supervisor.
I began reviewing my credit report for inaccuracies in XX/XX/XXXX. A collection company, Southwest Credit Systems collecting on behalf of XXXX, is listed on my XXXX credit report. I have never done business with Southwest Credit Systems or XXXX. I requested a copy of the signed contract to prove whether I owe this debt to Southwest Credit Systems or XXXX on numerous occassions. I was given several copies of a printed invoice from Southwest Credit Systems, however, this invoice did not include my legal name. On XX/XX/XXXX, I received a letter from XXXX stating in order for XXXX to investigate my account for fraud, I am " REQUIRED '' to file a police report before any investigation could move further. On XX/XX/XXXX, I requested from XXXX a copy of the contract that I signed to prove I owe XXXX for this account. On XX/XX/XXXX, I received via email a copy of the contract from XXXX XXXX XXXX. Upon review of the " signed '' contract, not only does this contract not have my name or signature, my social security number is not listed on this contract. Underneath the signature is the name " XXXX ''. I am assuming this is the individual who foraged a signature in order to generate a sale. I have never accepted or received a copy of this contract. If this contract were tied to my social security number, it would contain my legal name and signature. Because of this fraudulent information from XXXX, XXXX and XXXX of XXXX, this is reporting to my credit report as bad debt.
Suntrust Mortgage gave me a pre qualification letter for a conventional loan for {$56000.00} so I could buy a home. The loan officer XXXX XXXX told me I had something on my credit report but it wouldn't be a problem. After I have gone under contract he tells me that we can not proceed until it comes off. The thing is on my report is an unpaid balance with XXXX XXXX from several years ago that I was unaware of as I am a customer with them in good standing. I paid the balance and was told it would come off the credit report in about a week. It never came off. Another lender gave me advice and told me to ask the loan officer XXXX to call XXXX  and have them do a Rapid Score Response. I told XXXX and his response was that this is something I am supposed to do. I called XXXX  and they told me the lender should be calling them for this. I am at my wits end. What am I supposed to do to get this loan to go thorough? My real estate agent has had the closing date extended and it is approaching. I don't think it is right that this guy gave me a pre qualification letter if I could not get a loan. Please advise.
Opened a dispute regarding charge on Credit Card with GreenSky back in XX/XX/XXXX. In the initial review of dispute, I received a letter from GreenSky on XX/XX/XXXX stating they have researched my claim and decided that I am liable for charge. I contacted GreenSky again in XX/XX/XXXX and provided them with further information regarding my initial claim. As a result, they agreed to continue their investigation on my account. GreenSky agreed to freeze my account during the time of their investigation. I followed up with GreenSky with over 50 emails and phone calls over the next several months, left numerous messages and sent numerous emails to GreenSky asking to find out what the resolution of their investigation was. I received no response either verbally or in writing. All of a sudden I started receiving statements from Greensky again in XX/XX/XXXX and again, attempted to call and email their Consumer Projects Department asking what the resolution of the investigation was. Again, never received a call back or any type of response. I found out in XX/XX/XXXX that they had begun reporting unpaid past due payments on my account, so I increased my number of calls only to finally get someone on the phone on XX/XX/XXXX. That was the first time I was given official notice of their conclusion of the investigation and requested that they remove the late payment marks on my credit as I never received notification that the investigation on my account was complete. They are now refusing to adjust their credit reporting, which they had no right to report as past due because I NEVER received any notification of the investigation on my account being completed. They previously sent me a letter stating that they have completed the investigation, prior to re-opening the investigation, so I believe that it demonstrates precedent on the manner in which they notify customers of the completion of investigation. I have still not received any official notice that they investigation is complete.
My mother, XXXX XXXX, received a letter from National Credit Systems on behalf of XXXX XXXXXXXX XXXX in XXXX, NC on XX/XX/2018 about a balance of {$2100.00}. Eventually, the balance was reported as a collection to both myself & my mother 's credit report. The issue with this is that neither my mom or I had ever stayed at XXXX XXXXXXXX. My brother/her son, XXXX XXXX stayed at the apartment. I have never received any correspondence from National Credit Systems about this matter, just my mother. On yesterday, she received an itemized invoice, filled with frivolous charges, including damages to the room & that the keys weren't turned in. He no longer lives at XXXX  XXXX & he made sure everything was taken care of. He was the one financially responsible for this apartment, but yet isn't suffering any type of consequences. My mom & I sent NCS both a " Cease & Desist '' letter, as well as a letter to explain the situation, yet they are still reaching out to us.
This account was originally a JC Penney credit card that was opened in XX/XX/XXXX. Because of financial problems at the time I was unable to payoff the balance of {$75.00} at which time GE Capitol assumed the debt and adding additional fees. I do n't know how or why XXXX XXXX assumed the debt and they are claiming the account was opened in XX/XX/XXXX. This original debt with JC Penny is well over 7 years old but it still appears on my credit report.
Company : Meade & Associates , Inc. ( A 3rd party debt collector ) Starting around XX/XX/2018 I began receiving calls from Meade & Associates , Inc . Sometimes they call from the same number, sometimes the number is different. The numbers are as follows.

XXXX ( This one calls the most ) XXXX XXXX All of them leave the same threatening voicemail messages stating if I do not call them back local authorities will be contacted, and I will placed under custody, etc.

This is in relation to a XXXX hospital bill that I have been paying on sending small payments to the hospital itself.

I now receive about 10+ calls a day ( XX/XX/2018 ) from the numbers above.
I paid off my defaulted student loan with XXXX XXXX last XXXX 2016. I just received a credit alert from my credit monitoring service stating that XXXX XXXX has placed my account in a charge off status. I paid my loans off in full and my account should be reflected as such on my credit report. A charge off status implicates that I have not fulfilled my obligation with this company which is not the case.
After repeated requests, Nationstar Mortgage keeps sending me the refinancing offers all the time! The kicker : Nationstar services my mortgage already and I am perfectly fine with the conditions of my mortgage. 

I have repeatedly contacted Nationstar to refrain from sending me refinancing offers and they have not listened to me. I get the impression that Nationstar either wants to make money in refinancing again and again or they want me to be in their debt continuously. Get me into another XXXX year mortgage and the clocks starts all over again. 

Please do something about this.
I have submitted a request to experian to remove a report of a   XXXX   XXXX   on my credit report.   I have supplied them with a letter stating it is released.   I gave this same information to   XXXX   and it was removed.   I have requested the correction from Experian twice and no resolution or response.
I have been trying to obtain my credit reports online but I am receiving very confusing and wrong instructions as to the reasons why the credit reporting agencies can not comply. 

At one point during the online identification process I was asked several questions with multiple choices answers related to past addresses and entities I had done business with. While answering those questions I noticed that none of the answers regarding entities I had done business with relate to me. I had to choose a response saying " none of the above ''. 

Most of the multiple choices answers were about accounts opened over the past 10 years. I did not open any accounts whatsoever in the past XXXX years. 

I believed there was some kind of mistake so I tried again with a new browser session, but on my second attempt did not even have the option to answer the multiple choice questions. The XXXX website immediately instructed me to mail the form to request my credit reports. 

I need those Credit Reporting agencies to treat me with the same level of professionalism, not making it any more difficult for me to obtain my credit reports online, in the same manner they would to most people in my situation.
This occurred at the Huntington Bank/XXXX, Ohio.On XX/XX/2016 I applied for a personal loan and they correctly requested a copy of my credit report on the same day from XXXX ; which is all fine.After clearing up mistakes made by the underwriting dept. at HB the loan for XXXX was finally approved. On XX/XX/2016 I received a letter from HB underwriting concerning an increase in my HB credit card limit and this is where their electronic filing system failed their underwriting department.He mentioned a possibility of needing to look at my credit report and I assumed they would look at the one HB underwriting requested just 12 days earlier on XX/XX/XXXX.They could not locate the CR requested on XX/XX/XXXX so I am being penalized with XXXX hard hits on my credit report.All banks require any credit requests be processed thru their underwriting departments. HB underwriting 's electronic filing system failed them as they already had my current credit report just 12 days old on record.I have asked HB repeatedly to send a redaction request to XXXX on the XXXX requested unnecessary credit report due to the failure of their electronic filing system to produce the credit report requested on XX/XX/XXXX. 

Why should the consumer be penalized on a request for a XXXX credit report within 12 days of each other? It was HB 's underwriting dept. who failed and still can not find the XXXX credit report requested on XX/XX/XXXX.They deferential respond was their systems are not integrated and much improvement is needed.Credit reports are full of confidential information and should be electronically filed under the applicant 's SS # .HB 's cavalier attitude about the consumer 's credit reports and their confidentiality leaves much to be desired./where is that XXXX credit report? The Banks like this have too much unbridled control over the ordinary citizen ; this is why I have reached out to the CFPB as I am done trying to work with them. 

If you can provide an e address I can send all the written messages back and forth with Huntington Bank as you see fit sincerely, XXXX XXXX XXXX
I tried to use my XXXX 's XXXX Master Card issued by Synchrony Bank at the XXXX XXXX XXXX gas station in XXXX, NY on XX/XX/XXXX, and after waiting for 15 minutes in line and getting to the pump my card kept coming up as inactive. I called the customer service line to find out that the company had close the card on XX/XX/XXXX. I asked why it was closed and was told by the Supervisor that my card was inactive for 2 years and that it was in the terms when I signed up for the card and there was nothing they could to do to reopen my account because it was closed. I insisted that the it has not been 2 years and it was a mistake on their behalf. She couldn't look up the exact date when asked when the card was last used, just insisted it was in XX/XX/XXXX and it was 2 years. The last payment I had made on the card, according to my bank statement, was on XX/XX/XXXX, and I am never late on my payments. They refused to do anything about it. The only thing that could be done is file a dispute with the credit agency, and now I have to wait at least 30 days to hear anything. It is wrong what they do. They don't even send a notice that the card is going to be closed or is in jeopardy of being closed. Now my credit will be effected by this closure, and I have an Exceptional credit score in the XXXX. This company is not right in what they do to their clients.
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MD  XXXX  Loan # :  XXXX  Dear Dovenmuehle Mortgage In  XX/XX/XXXX  I went to mediation with my mortgage company. I have been submitting information to them without any response. I call almost daily each time they told me I need something else. Each time I request to speak with the person handling my file she was never available. I finally call their attorneys and the clerk that was handling my file advise me to cc her on the emails that were being sent so. I did that to no solution. I spoke with  XXXX   XXXX  ID #   XXXX   who told me I was able to get a modification. I waited with no call back. I finally spoke with some one who told me today its too late my house will be sold on Monday if i do not come up with {$10.00},  XXXX . This is so unfair when I have been sending information since  XX/XX/XXXX  and never received a call back from this company. Please help me.  XXXX
XXXX sent a bill for the bill I do not owe. I paid all my dues prior to cancelling service with them. Bill are paid one month in advance, and the charges they are claiming for the amount they collected for the last month. They reported to debt collection company called Southwest Credit
Franklin Collection Service continues to report a bogus medical bill on my credit reports. Consumer has disputed this item for almost three years. Franklin Collection Service does not respond to my continued e-mails regarding the validity of this bill. Medical bills are handled by my insurance plan.
Ally Financial refused to give me access to their Vehicle Inspection website to view the damages to the vehicle. It my legal right to be able to view these damages. I have disputed ALL CHARGES from day 1. But will not cooperate and provide access to the pictures. 

XXXX XXXXXXXXXXXXAcct : XXXXVehicle no : XXXX
Hello I have already filed one complaint and I am disputing it because everyone I speak to say Ditech is being unreasonable. Their excuse for not reporting my last 6 years of house payments is because I did not " reaffirm '' my house and that is a flat out lie. My attorney who did the Bankruptcy provided me with the documentation that 1. my house was excluded from the Bankruptcy and then he provided me the document that the house was " reaffirmed '' in the Bankruptcy court papers. I was also informed back in 2010 when this took place you were NOT required to reaffirm anything after a Bankruptcy was complete. My attorney has asked me to write a letter to each of the credit reporting entities and make them aware of this as well. My letter is written just not typed up and mailed et. PLEASE SEE ATTACHMENT FOR MORE DESCRIPTION AND BACKUP. Thank you and Sincerely XXXX XXXX