WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I mailed an investigation request to Equifax, XXXX, and XXXX XXXX. The bureaus are supposed to conduct an investigation and respond within 30 days. As of today, neither of the bureaus have responded, and more than 30 days have passed.
Received fraudulent inquiry on credit report from XXXX. Equifax investigated and provided the following result ( they wo n't remove it even though it is fraudulent, it is affecting my credit score, and I have called XXXX twice and they say there is nothing in there records regarding a credit inquiry for my SS or my name ) XXXX We have reviewed the inquiry information for XXXX XXXX. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX Na, XXXX XXXX XXXX, XXXX XXXX, SD XXXX ''
My Ch XXXX was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with the 3 CRA 's and I'm not disputing. Just please asking for the information to be early exclusion.
The company has only called me once. They repeatedly contact family members to the point of harassment. They are asking family members to provide information to them after already being told to stop calling them.They have threaten to file a lawsuit.
XXXX XXXX XXXX XXXX of XXXX VA XXXX was servicing my vehicle under warranty for 9 weeks. Through a preferred customer arrangement with XXXX XXXX, they provided a loaner car in the final 2 weeks of that period. 

I was repeatedly assured from all parties that this car was being provided free of charge. I was asked to provide my credit card information only in the event I damaged the vehicle. 

The loaner was returned XXXX XXXX, 2015. On XXXX XXXX, XXXX billed me XXXX $ for the rental, almost 20 weeks later. 

I disputed the bill with Chase SLATE XXXX credit card. They ruled against me. I asked to see a copy of the document I signed. Chase told me they are under no obligation to provide this. 

I feel this is in violation of fundamental principles of contract law. I want to see what I signed, where I 'm sure it will be clear that I was not paying for the service. I think Chase SLATE XXXX is deliberately ignoring basic contract law. I feel that I have been victimized.
The company Midwest Recovery is making claims of taking me to jail and sending a Marshall to my job and home if I do not pay. I never took out a loan with the Midwest Recovery.
Experian dose not take off identity theft. I send them driver license, police report, identity theft report. Left off confession of the theft. Along with 2 utilities bills to prove my identity along with the theft. XXXX XXXX XXXX posed as me to open credit cards, banking accounts, auto loans, Florida unemployment, other accounts unknown what they are. On my Experian credit report it shows identity theft. Account name XXXX XXXX  XXXX   credit card. Account number XXXX. {$500.00} over the limit XXXX. XXXX XXXX XXXX XXXX auto loan. Amount {$17000.00}. 2 accounts from XXXX  XXXX XXXX XXXX Account number XXXX amounts {$340.00}. The other account from the same company is XXXX. Amount {$650.00}.
I think some one use my identity and I am being charge for a debt that is not mine and is n't even in my credit report. I never received any mail from this creditor ( CITIBANK ) this creditor put a lien on my house for this debt 5 years ago and I was never notify or aware until XXXX2017
I paid my mortgage off in XX/XX/XXXX in the amount of {$250.00} with Bank of America. When I did my payoff, they told me that I owed for Home Owner Association ( HOA ) dues in amount of {$2300.00} which I was not aware of, so I started to make payments in the amount of {$62.00} bi- monthly and they are still showing that I owe {$4200.00} as of XX/XX/XXXX. Attached is a fax from XX/XX/XXXX showing that my HOA dues were paid by BOA with a wire in the amount of {$2600.00}. When my house was paid off, I was sent a check for the escrow, so there should not have been any payments taken out after that. When I paid off my house, I was told by the escalation employee ( XXXX ) that I had to leave a dollar in in the mortgage account, so I left the dollar on XX/XX/XXXX and I made one final payment to pay off the HOA in the total amount of {$1000.00} which I paid on XX/XX/XXXX as requested by BOA. I was talking to my HOA when BOA intervened and made the situation much more financially burdensome. The HOA was willing to negotiate with me and I was not aware that BOA had paid the fees until I came in to payoff my mortgage loan. This has impacted my credit score negatively. I have tried to work with Bank of America since XX/XX/XXXX and have not have any success. In the meantime, they are still paying my taxes, which should be coming to me since XX/XX/XXXX. I have repeatedly asked them to stop paying my taxes and I can not get anyone to listen to what I need..
I was shocked when I reviewed my credit report and found random late payments on my credit report and plus the balance is completely reporting wrong among the 3 credit bureaus. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Sallie Mae will not release any of my loan information to me, I have callled numerous times requesting to speak with someone and to have my loan information sent to me. No one from there office is compliant I keep getting connected to a XXXX and XXXX who states it is n't his job to resend my information. I have also told and sent them information about my bankruptcy And still nothing is being done.
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.
I was late paying my property taxes. the county notified bank of america.Bank of america paidthe taxes by setting up an ascrow account causing my monthly mortgae payment to increase. subsequintly the county notfied Bank of America that I had indeed payed the taxes albeit late and refunded BofA. I asked BofA to remove the escrow account that is noe included in my mortgage payment. I explained that I am on a fixed income and can not afford the payment increas BofA refuse remove the escrow account
Approximately XX/XX/XXXX, I applied for forbearance and paid the {$100.00} that they said I had to pay in order to get the forbearance. I was told my next payment would be due XX/XX/XXXX. I made the payment, but never logged into the account, as I paid through Bill Pay through my bank. Late in XXXX, I had a credit monitoring alert saying that Navient was past due. I have now called 5 times. Each time I am told, they know there is a problem. The person who processed the forbearance made a mistake and everything will be taken care of. It is now XX/XX/XXXX and the problem is still not fixed. My credit score dropped by 90 points since XX/XX/XXXX, that is on top of the 40-50 points it dropped in XXXX  because of Navient. This is not the first time this has happened when I applied for forbearance. It happened earlier in XX/XX/XXXX, but was resolved, however it did not take this long. I have asked for things in writing but never get anything. I am currently 15 days past due as I have not paid XXXX because they are not properly applying my payments. Today, I am the phone with XXXX XXXX employee ID XXXX  who is saying she is speaking to her manager XXXX XXXX and my forbearance will be processed and my loan will be due XX/XX/XXXX. This is now eating up 5 months of forbearance when it should have been 3.

Every single time I called I have asked for the conversation recap in writing. Once I was told I would have it, never received it. Now I am told they can not do that.

Every time I call I am also told that things will be corrected. As of today, nothing has been fixed yet.
THIS COMPLAINT IS DIRECTED TO QUALITY LOAN SERVICES CORPORATION IT APPEARS ONCE AGAIN THAT A SECOND DEFAULT NOTICE WITH INTENT TO FORCLOSE WAS FILED AT THE XXXX XXXX OFFICE IN VIOLATION OF CALIFORNIA PC 115 WICH STATES ITS FELONIOUS TO KNOWINGLY FILE FRAUDULENT OR FORGED DOCUMENTS AT ANY GOVERNMENT OFFICE. XXXX XXXX FALSELY CLAIMS A DEFAULT AMOUNT OF {$27000.00} IS OWED THEM, WHEN IN FACT I DONT OWE THEM A DIME!!! THEY ARE ILLEGALLY ATTEMPTING TO COLLECT ON AN UNAUTHORIZED ACCOUNT, XXXX XXXX TO DATE HAS NOT COME CLEAN ON THEIR INVESTIGATION IN VIOLATION OF 15 U S CODE 1692d WICH STATES HARASSMENT OR ABUSE SECTION 1 THE USE OF VIOLENCE OR OTHER CRIMINAL MEANS TO HARM THE PHYSICAL PERSON, REPUTATION, OR PROPERTY OF ANY PERSON IS A VIOLATION OF SUCH CODE IT ALSO APPLIES TO SECTION 4 THE ADVERTISEMENT FOR SALE OF ANY DEBT TO  COERCE PAYMENT OF THE DEBT IS ALSO A VIOLATION OF SUCH CODE, THEREFORE XXXX XXXX IS IN NON COMPLIANCE, THIS ALSO APPLIES TO QUALITY LOAN SERVICES CORPORATION. I RECIEVED A EMAIL FROM QUALITY LOAN SERVICES CORP ON XX/XX/2018 WICH STATED THEIR FILE ON THE DEFAULT ACTION HAD BEEN CLOSED BECAUSE THE DEFAULT WAS CURED SO WHAT EXACTLY IS THE STATUS TO DATE? I HAVE RECIEVED NOTICE THAT MY HOME HAS A SALE DATE OF XXXX XXXX! IS THIS A SICK JOKE? IS MY HOME UP FOR SALE? BECAUSE IF IT IS I DEMAND YOUR AGENCY TO CEASE AND DESIST AND TO CANCEL THE ILLEGAL SALE OF MY HOME .XXXX XXXX   HAS NOT VALIDATED THE DEBT IN VIOLATION OF SECTION 809 VALIDATION OF DEBTS.XXXX XXXX  CAN NOT VALIDATE THE DEBT AS IT HAS ALREADY BEEN ESTABLISHED BY THE COMMERCIAL CRIMES DIVISION, THAT A FORGERY OCCURED, A FRAUDULENT GRANT DEED WAS CREATED TO FACILITATE THE ISSUING OF THE ILLEGAL LOAN OBTAINED BY USE OF A FRAUDULENT TRUST DEED. WICH MEANS XXXX XXXX IS ENGAGING IN A TRUST DEED SCAM ILLEGALLY USING MY HOME AS COLLATERAL WITH INTENT TO STEAL MY HOME OUTRIGHT A CRIMINAL ACT OF GRAND LARCENY BECAUSE OF THE VALUE OF MY HOME. ONE CRIMINAL ACT DOES NOT JUSTIFY ANOTHER SO I SUGGEST QUALITY LOAN SERVICES CORP ASK XXXX XXXX  INVESTIGATORS WHY THEY REFUSE TO CONTACT LAW ENFORCEMENT OFFICIALS ON THIS MATTER AS THE REGULATIONS AND LAWS APPLY TO THEIR AGENCY AS WELL. AND THEY CAN ALSO ASK XXXX INVESTIGATORS WHY THEY REFUSE TO PURSUE THE 2 CRIMINALS WHO TOOK OUT THE ILLEGAL LOAN IN THE FIRST PLACE!
I went to the bank to close 3 accounts on XXXX-19 the customer service rep closed 2 accounts and I had to come back on XXXX-19 to close the last account as it had a deposit pending I came back on XXXX-19 at  XXXX am and I was told the account was closed I left the bank with documents Stating the accounts were closed. I received an alert stating the last account was still open on XXXX-19 that means closing the account wasn't done and the documents I left with were useless paper. I went to the bank today XXXX-19 and spoke with the rep XXXX XXXX again and was told the account was not closed due to some issue. She was nasty and didn't want to talk to me about it so the other lady tried to explain that on the weekend the accounts don't close or something like it this is the banks mistake and I am not paying any overdrafts fees for nothing. I have also filed a complaint with the Consumer Financial Protection Bureau as this is a fraud on a customer of 10+ years. I informed all of our creditors 30 days in advance of a bank change and all of them acknowledge the change and if they didn't follow any of our changes then this is there fault, collect these charges on a CLOSED ACCOUNT ON THEM. We would not have closed the accounts the Suntrust accounts if they fixed the XXXX app it Never works needs to be downloaded daily Account Numbers are XXXX, and 2 others
I have had this account for years until recently I started at a hotel and they let you pay cash and hold {$75.00} off your card for issues accrued. Mid stay I noticed they were charging my card and I was paying cash I only discovered it because I went shopping and my card was getting denied so I called and discovered the amount that I knew I had on my card wasn't there because XXXX XXXX and XXXX was charging my card the daily room even though I was paying cash so they were getting paid twice a few items I disputed I disputed an amount and my money was credited back and then the hotel went in a did a hard hit on my card making it negative the exact amount combined that I just disputed so when card company credited it again the money essentially went right back to the owner cause we all know if have a negative account as soon as money is added or credited to your card the negative amount is paid. I went back and forth with this for months with no resolution except to tell me the creditor said the charge was valid and most of the time that was true but they didn't tell that they had already been paid in cash. This hotel has alot of complaints from guest complaints regarding charges that were not authorized. I wish I had looked them up on the XXXX XXXX XXXX beforehand.
Synchrony Bank / TJmaxx was harassing me by the phone telling me for a debt that was not mine I contacted the bureaus and they told me to contact Synchrony Bank. after alot of back and forth. They threatened me with legal action but. They did NOT provide me with any documentation validating the debt as mine
i have tried talking to equifax about items on my credit file that dont belong to me and they keep giving me the run around i even hired a lawyer to help me remove these items off my credit file, i just cant deal with equifax any more so im here with my complaint..please help.
From XXXX through XXXX I borrowed a total of {$49000.00} through Sallie Mae using a Parent Plus Loan to put my son through college. Early on, Navient became the service provider of this loan. Though I have had a few late payments, I have never defaulted. I had to take advantage of deferment a couple times and have consistently had to reduce my payments though income based programs because I couldn't afford the large payments. For many years I have been on the " Income Sensitive '' program, which apparently does NOT qualify for forgiveness after 20 or 25 years and I had no idea this was not the case until I called them. The only thing that made me feel okay about having this outstanding loan was that it would be eventually forgiven. And after 20 years I would have paid all the money back, if not more, that I borrowed, so it's not like they wouldn't get their money. I was thinking I had about 10 more years to go, which isn't great, but something I could live with. I feel Navient was negligent in not informing me that there were other income based programs that would have put me in the qualification for forgiveness after many years of payment. And nowhere on their website was this spelled out. 
Just look at these numbers : I borrowed a total of {$49000.00}. 
I have paid XXXX As of this writing I owe {$52000.00} I have no words. This is absolutely horrific.
I have been called by creditors from pathfinder credit services about paying a debt in the amount of $ XXXX.After asking for  a copy of a signed agreement with my signature, i did not receive a response.I do not own the account i am being told to pay for.
My name is XXXX XXXX. I have a distant Aunt that I have n't talked to in about a decade named XXXX XXXX XXXX XXXX XXXX. Out of the blue, this debt collector starts calling me threatening legal action ( And claiming to need an " attorney statement '' under the guise of being a local PD/investigator ) with messages for XXXX XXXX. He called multiple times looking for this relative and leaving messages with details about her debt and personal life. I do n't want to hear about this distant relative or her legal troubles. I have no association with this relative, and I am sure it is illegal to contact completely unrelated third party relatives looking to collect under very shady methods. I have no idea how they got my number or believe that it is acceptable. They now call several times a day.
I spoke to XXXX XXXX President of Bank of America NY who advised my accounts were not effected by the mortgage issues I was having with his bank but minimum payments being paid on the accounts. I am asking that all of my credit accounts with Bank of America be reviewed by the CFB and the continued opening and closing of the same accounts and the delayed and tiered reporting the credit bureaus to have max effect on hurting my credit scores. I was notified all in one day of the closing and limit lowering, it was spread over 2 to 3 weeks for the credit bureau reporting and XXXX account was reopened and then closed again. I would also like any and all over payments and rewards paid to me. Bank of America has not acted in a fair manner in its handling and I am concerned with the integrity of the reporting and discussions with this bank.
l was sent an invitation to apply for a Capital One credit card. l read through the disclosures. The only explicit 'terms ' were the APR 's. Now l 'm being charged monthly for purchases l 've ALREADY paid the interest! They STILL are charging me the same amount to month ro month (! ) on interest already paid- at the time of purchase ; yet they STILL charge me on the same on purchases EVERY MONTH! 
l 've tried, to no avail to rectify this. Even up to corporate offices. They are immovable! They say, 'we understand. But nothing can be done '! l explained l 've already paid THAT interest! And you continue to charge me for the same purchases for which l 've already paid! ' Still, they remain unmovable!! l explained " this was borderline racketeering ; fraudulent, etc ... '' They remain unmovable! 
Please! help me! Else me, nor ANYONE will ever get their balance off, nor paid down! Last month as in the previous, l paid MORE than the minimum. Still they charged me half (! ) of my payment 'on interest for purchases ' ; which l '' ve NOT made ANY purchases!! 
Thanj you, regards, please help me!!
Me and my husband had applied rent for XXXX XXXX XXXXt but they denied our credit approval showing the reason that there is third person involved in my credit report but later on when I received my consumer file report from the core logic safe rent there is no any other person involved in other words everything looks fine. So now when I asked them about that they said that status should be updated before we proceed. 
Now I did not understand how that third person shows in my report before and why I did not see that third person on my consumer file report. Is that the different things? As my consumer file report looks fine when can I get rid out of this issue?
In XX/XX/XXXX, my students loans with Navient were to be due after my graduating in XXXX. By XX/XX/XXXX, I had submitted all of my paperwork to request a deference due to financial hardship. On XX/XX/XXXX, I had not only responded back to a direct Navient employee, XXXX XXXX, via email relaying this information but I had also called the company at approximately XXXX CST to tell them that I had submitted the required paperwork. The paperwork had been submitted twice via fax and once uploaded through their website. Navient did not process my paperwork until after the XXXX due date and marked me as having late payments on the four loans I have serviced through them. The deferment was ultimately granted but instead of making it effective from the XX/XX/XXXX due date, they adjusted the end date. ( This was confirmed by a Navient employee via phone on XX/XX/XXXX. ) I have called and spoke to them regarding this error on their part. I have emailed them the documentation showing that I had contacted their company over a month prior to the due date but they are stating that they are correct in reporting. I do not see how I am responsible for their delinquency in processing my paperwork when I had submitted everything in a timely manner.
Fell behind on debt, and XXXX issued me a XXXX and forgave the debt. Included XXXX forgiven debt as income on taxes XXXX years ago. Recently, this supposed debt to XXXX popped up on credit report. There was a past due balance on the credit report. Filed disputes with all XXXX credit reporting agencies, and after several disputes and sending all of them a copy of the XXXX showing that the debt was forgiven, both XXXX and XXXX changed my credit report to properly reflect a XXXX balance on that account ( XXXX still refuses to stop reporting a balance on the debt to all XXXX reporting agencies, even though it was forgiven ). However, Equifax has refused to make the appropriate changes even though I have submitted all the information and the copy of the XXXX Equifax told me over the phone that they basically report anything that XXXX tells them to, even if it is false information. They said they could not change the report, even when there is concrete evidence that the debt was forgiven. This is absolutely not true. I warned Equifax that if the information was no updated accordingly ( Equifax has a legal duty to report the truth after their investigation, not just anything that XXXX tells them to, regardless of veracity ), I would contact the CFPB, and they would be able to sort this mess out. I have documentation of the XXXX, a copy of the letter I wrote them, and a copy of the Equifax investigation result, which did not change anything.
Every time I ask XXXX XXXX to correct the error on my credit report they add another negative mark to it. 

Why are they doing this at will when ever they want to? This is violation and they should not be able to continually update and unverified account with new negativity activity when every they want to. 

There is are numerous failure to pays that were previously listed as 30, 60, and 90 late. For different years and different months on all 3 credit reports. Changing 30, 60 and 90 day late notations to failure to pays is not correcting an account properly. 

The following failure to pays are current listed on my credit files : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and since I am writing you they will probably place on In XX/XX/XXXX. Please keep an eye out for it and tell them to stop committing violations. 

Can you make XXXX XXXX correct the inadequacies on my credit report or delete this account that is not being reported 100 % correctly? 

I also wrote XXXX, XXXX  and XXXX  in XXXX, XXXX and XXXX and I am still waiting for them to verify, investigate, correct or remove this unverified account that is not being reported with 100 % accuracy. 

I am trying to get a mortgage and this is hindering me from doing that. I can not afford an attorney to take them to court so I am asking you to help me make them do their jobs correctly.
on XXXX/XXXX/XXXX i used Western Union on-line services to send my son, who is in college, some money to eat because his food card did not have any money until the XXXX of XXXX. I wired him {$20.00} at XXXX so he could have dinner. I received a wire transfer number and was told that the transaction was under review and could take up to XXXX hours. It 's XXXX and the money still is not available for my son. He missed dinner because he could n't get the money. 
I 've sent money before and have received the same message but the money has been available no later than XXXX minutes. 
I 'm paying for money in minutes and the past several times it has taken XXXX hours or more. 
When I called western union, I was told it could take up to XXXX hours. UNACCEPTABLE. 
it 's false advertising, bait and switch and taking advantage of customers.
This account was open, for my ex husband, he used my information without my consent. 
during the time was open I was living in another country, I knew about this only a few months ago, I called company provide my cell number because I was told they didn't know the agency with my case and they will call back. nothing happened!! how can they have this for such a long time hurting someone credit and they have no clue how agency is collecting this or where to contact them.
I believe I am victim of Mortgage and Mortgage Servicing Fraud. XXXX XXXX XXXX and Wells Fargo N.A . are both claiming to be the note holder of a loan in my name which is being serviced by a third party entity. I have sent both parties Qualified Written Request and Debt Validation Request and neither have sent adequate responses.