WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo XXXX date open XX/XX/XXXX date closed XX/XX/XXXX Failure to report any on time payments in this time frame. Incorrectly reporting past due payments. Failure to provide physical document verification to include contract, payment history, monthly balance, etc. as requested numerous times. 

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. Wells Fargo Credit has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages.
I have no relationship, financial or otherwise, with Kohl 's Department stores. Between XX/XX/XXXX and XX/XX/XXXX, Kohl 's made XXXX separate withdrawals done by EFTs through XXXX from my checking account at XXXX totaling {$1300.00}. This was caused, apparently, because of the transposition of XXXX numbers in the Kohl 's card holder 's checking account that is also with XXXX in XXXX XXXX. The transposition of the XXXX numbers by either Kohl 's or the card holder resulted in the funds being taken from my checking account, obviously without authorization from me. From my perspective, Kohl 's illegally withdrew these funds from my checking account at XXXX. Their failure to correct their error amounts to theft from me.
Quicken loans Inc. served me with a complaint for declaratory releif and judical forclosure of deed of trust. It is for a house my x-husband purchased after the divorce. It says i must appear or the other side will win. I have only a few days left. I am XXXX living on Social Security. Legal aide will not help. It says i am the defendent and i am a judgement lein claimant of record and may claim interest in the subject matter by way of a Domestic Relations Dissolution. Judgement was entered XX/XX/XXXX and  may be found in official records in XXXX County courthouse. i do not have a form or know how to fill it out plus they want me to pay a fee. Any debts from the marriage was in the Dissolution of marriage and my x-husband XXXX XXXX was court ordered to pay.The divorce was XX/XX/XXXX. Quicken loans will not talk to me because i am not on the deed. I was served with all XXXX 's personal business even though we are divorced. Attorney General is just sitting on a claim it has not been assigned to any one they said to fill out the form online so i will get it in on time. I am running out of time.
Ask for unauthorized inquiries on my report to be removed. The companies response was they were able to validate and show that theres items listed were in fact authorized by me. I want the company EXPERIAN to remove these harmful inquires from my credit report in compliance with the fair credit report act. Im am new to credit but i understand the rules and laws, im in the process of putting a freeze on my profile to prevent this from happening again.
Disputed with company on XX/XX/18 approximately 71 days ago. Company received my disputes on XX/XX/18 according to certified mail. It is now XX/XX/18 and I have not yet heard from company. The FCRA gives the company 30 days to respond, I have not gotten a response.
All of my bank accounts at Chase had the money transferred without my knowledge to different accounts leaving me with a {$0.00} balance in every single account I had with Chase. My credit card account was changed including updating my email and asking to have a fraud alert added to the account. Chase then proceeded to notify a XXXX party who was committing fraud on my account of my new information causing continued distress and financial loss.
I recently pulled my credit and notice XXXX XXXX XXXX is reporting a balance of {$1100.00}. I've sent four letters to this company asking to verify this debt. Along with a lot of other things I asked this company to send, I also asked for a copy of the hospital agreement with my signature. I have not received anything but a print out of a balance they claim I owe. I am a twin and they mix our files up at the doctors office/hospital ALL the time! How do I know that this debt is mine?? Because this company have failed to validate the debt properly and yet still verify the debt with the credit bureaus, they have violated my rights. These rights were put in place by the FCRA and the FDCPA. I have given this company enough time to send the proper documentation and they just simply ignored my request. They have failed to validate the debt, but still verifying the debt with the credit bureaus, and are still attempting to collect the debt.
These Ace cash express people keep calling evey one they can about a debt that is in my name. They even called my ex husbands wife at work in the middle of her work day to harass her. This is not my debt, I have never taken out a pay day loan and this is n't even on my credit report. After speaking to my ex husband he stated they have been calling him and harrassing him for the last two years, however these people have not contacted me.
{$390.00} was sent to a bank account from PayPal. The routing number I entered was wrong. 2 days later I called PayPal and made the correction. The PayPal customer service woman said that the money had already gone through and the transaction had been completed. The bank says that the money did not go through obviously because the routing number was wrong. So the money would have been returned to the sender. PayPal can not do anything nor can the bank. But the fault obviously lies with PayPal.
Repeat calls
No letters
MA law 3 letters 2 from credit card then collections 
I never received any
Calls same person 25 calls
I changed my phone number that i had for 20 years
REFERENCE : CFPB # XXXX I initiated this dispute on XX/XX/XXXX regarding the continuous delays in updating my credit file based on information sent from the consumer and the company. Equifax responded to the referenced CFPB complaint accordingly on XX/XX/XXXX : COMPANY 'S INTERIM RESPONSE *Equifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax reviewed the consumer 's credit file for previous dispute history/contact regarding the item ( s ) listed in the complaint but no recent dispute history/contact was identified. *Equifax will mail the results of the reinvestigation within 30 days. 

THIS INFORMATION IS INCORRECT. Equifax has executed up to 3 disputes/reinvestigations regarding XXXX XXXX XXXX ( Account # : XXXX # XXXX ) in the last 30 days and they STILL HAVE NOT CORRECTED THIS INFORMATION. To report that there are no recent dispute history is a flat out falsehood and is bordering on fraudulent business practices to report otherwise. I confirmed today that the reinvestigation 'is still open ' according to latest rep that I 've spoken to this month. 

CFPB needs to take more steps to confirm what I already know and have reported versus simply logging their response. Require that they send a copy of my most recent credit file which will indicate that they have still not updated this account. The issue is the lack of timeliness yet you feel that 60 days for resolution is acceptable. The law indicates that CRA 's have no more than 15 days to resolve a dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. I INITIATED THIS REQUEST FOR A CRA UPDATE ON XX/XX/XXXX.
Dear Sir, I have been observing in my Trans Union report that XXXX XXXX/XXXX reporting my closed individual XXXX XXXX credit details every month. I really do not understand why XXXX XXXX has been reporting my closed credit card details every month without any activity and no statements generated. My credit report should have only last payment details, paid and closed with XXXX balance details, these details should stay in my report for next seven years. why did XXXX XXXX credit card company reporting my credit card details without any activity, no transaction, no statements, paid and closed with XXXX  balance. Could CFPB direct XXXX XXXX/XXXX to keep the accurate status of last payment details, account paid and closed with XXXX balance, keep these details in my credit report for next seven years timeline. There should not be any updates and credit reporting every month for paid and closed XXXX XXXX/XXXX credit cards. Also, there is no XXXX XXXX/XXXX credit card open with my name, date of birth, social, address or using any of my identification details.
" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
My lot loan with peoples first was transferred to hancock in XXXX when the FDIC closed peoples. The loan was a XXXX yr balloon that hancock was not willing to extent or refinance. The loans was paid timely until maturity. i was unable to refinance with another lender due to the value of the property and the state of mortgage lending in general. It took hancock over 90 days to settle the loan and they agreed to accept less than the outstanding balance. although i continued making payments, this caused the loan to appear 90 days late due to the balloon feature. 

Below is a partial letter I 've sent to Hancock bank asking them to correct their reporting ... 

Hancock Bank Research Department Fax : XXXX, XXXX pages XXXX XXXX, XXXX To whom it may concern ; Please research and correct the CBR reporting for the lot loan on a property located at XXXX with a loan number XXXX This loan was purged from your active system in XXXX. 
This single lot loan shows on my credit report XXXX separate times, as a mortgage, a home improvement loan, and a trade line of unknown type. It also shows as XXXX separate items with 90 day lates, representing XXXX adverse trade lines. I 'm enclosing my entire credit report dated XXXX/XXXX/XXXX for your review. 
Also attached is an email I sent to XXXX XXXX in XXXX of XXXX documenting my conversations with him. I was assured by him that Hancock would resolve this issue in an expedited manner. 
Lastly, I 've added the Settlement of Debt Notification Letter dated XXXX XXXX, XXXX. 

Please contact me via email at XXXX or cell phone at XXXX as soon as possible. 

RespectfullyXXXX
My account with synchrony bank was paid by settlement in XX/XX/2017. The account is still being reported with a balance owed of {$610.00}. I have reached out multiple times to have this corrected and still has not been.
For the past 4 months, I have reached out to XXXX XXXX, XXXX via certified mail regarding the {$1200.00} they say I owe. I have informed them over and over this is not my account. I have requested documentation verifying this account and they have yet to furnish me information verifying this debt. Additionally, they have not reported to the credit bureaus that I have been disputing this debt. Their lack of accuracy is causing me to have major credit issues, including disqualifying me for credit as well as causing me to accept higher interest rates.
i was at work when a women claiming to be a debt collector with Capital Management call my Supervisor and told her that I had a debt and she was trying to collect from me. She then told my boss that she called my phone before asking who she was calling for. 
i this is a violation so I called to make a complaint and told then I was unaware of any debt and to onloy contact me via mail. I spoke with XXXX and he could not find anyone in the complaint department and tried to side with the woman who called. he then said he would review the call..
Recently my mortgage was transfer to Statebridge from XXXXXXXX XXXX. After I made a modification on my loan because financial stress back in 2008. I was  notify by XXXX that my CAP rate will be 4.875 % beginning at the 8th year of my modification. Well XXXX sold the account to this small company and now they are charging me 5 %. When I contacted them to find out what is happening, the said that they could not resolve the issue that I have send a request in writing and most likely contact XXXX. Additional to this now they are charging me with what they describe in the monthly statement as fees for {$2.00} monthly with a YTD charges of {$48.00}. I have never being late on payments with this company and when I inquiries about this charges, they answered that are fees because I have not pay the previous late fees. I may be wrong but I understood that as long as I am not late in my mortgage payments, I could pay those old late charges any time during the life of the loan without any additional fees. Am I wrong?
I always make transfers thru Money Gram to the bank account of my son - XXXX XXXX XXXX University. 
Last 3 transfers : XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$600.00} never make to his bank account.This was his housing and school expenses. 
After calling thXXXX XXXX XXXX who never received the money I contact already 2 times Money Gram and still not have answer where is my money.
Navient, also known as XXXX XXXX, has repeatedly been unhelpful and predatory against me. In this instance, I only have XXXX XXXX XXXX XXXX with them ( ~ {$5600.00} or so ) and am in a tough financial situation and can not afford to make payments at this time. I am a stay at home mom and DO NOT HAVE AN INCOME. I was making payments around {$90.00} up until a few months ago ( despite not having a job ) but can not afford this any longer. I called them, spoke to the " XXXX '', explained my situation and they DECLINED to help me in any way. I asked if they can lower the payment - their answer was continually " NO '' because they claim it is " under {$100.00} ''. I then asked if they can lower the interest rate ( which is beyond ridiculous at 15.725 % ) and they also said " No ''. Last, they can not grant me forbearance because I have used it in the past. Well, I 've exhausted my options and can not pay. Now they continue to call me, bombard me with emails and I am ready to file a lawsuit if they do n't stop harassing me. This should be illegal and they need to either help students or eliminate this sort of shady business because this is not what education is about. Please have them stop harrassinf me and put this loan into forgiveness because I was defrauded by my school XXXX XXXX XXXX XXXX XXXX XXXX. I am also in contact with the XXXX of Illinois and the XXXX Attorney XXXX regarding these issues.
I have never borrowed or done any business with XXXX XXXX XXXX. They have reported a collection account which is revolving amount {$700.00}.
I have written and sent 3 validation letters to XXXX XXXX to validate a debt owed. Starting XX/XX/18 ( 1st letter ), around XX/XX/18 ( 2nd letter ), and XX/XX/18 ( 3rd letter ). The 1st letter they did not send the information requested just a printout which stated not to send a printout, the 2nd letter there was no response, and the 3rd the same printout. They continue to not validate the debt with a contract and my signature stating I owe this bill. It has compromised my credit worthiness due to this false and incorrect account on my credit report. It has also harmed me getting new lines of credit.
This is incorrect reporting. It has previously been removed from my credit report because it is inaccurate information. Now, it is being reinserted. 

XXXX XXXX Account Number XXXX Account Type Credit Card Terms Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details - Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$5000.00} Past Due Amount - High Balance {$6300.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Ownership Individual account
XXXX alerted me to a change in my credit report. When looking into this, I noticed I had several hard inquires that were removed from my credit report get added back on.
I obtained a loan through avant XXXX in XXXX 2015, in XXXX i refinanced the loan due to the extremely high interest rate of 59 %, XXXX paid the loan in full and i received confirmation from avant that they recd cks and that the loan was paid off. In the early part of XXXX of 2015, i started receiving harrassing emails and calls regarding an unpaid balance there of XXXX, i emailed them copies of the cleared checks in addition to my loan note copy stating the loan was paid in full. Avant 's compliance dept was handling the inquiry and that they were looking into it.. I received an email from them yesterday that stated they had found the problem, apparently do to an internal processing error my loan was removed from the paid in full list, the debited my account today for XXXX by a remote control check and after numerous calls to them today they stated that i would have to wait for my money until " the ck cleared ''. The debited my account for bill and grocery money that i needed to take care of my family. I offered to call bank on XXXX so that they could get confirmation that the money was debited.. '' That is not their policy they stated and avant complaince could not be reached by way of phone calls only emails. Please address this concern before anyone else has to go through this headache with a company that is supposed to help consumers not cause them duress..
On Friday XX/XX/18, I contacted National Credit systems at XXXX, in reference to a debt that I owe to XXXX XXXX XXXX  XXXX of {$150.00}. I spoke to a XXXX and I told her that I paid the debt directly to XXXX XXXX XXXX XXXXXXXX because the debt was just now showing on my credit report but it was not showing National Credit System. 

To make a long story short, after I said okay bye to the rep, she called me 4 times back to back and on the 4th call, I told her not to worry about it because I was going to contact my lawyer, she proceeds to tell me " Well if you wasn't acting like a XXXX little child, I could've told you some important information ''. 

The fact that the rep called me repeatedly back to back and then to tell me her opinion about me, was wrong and then on top of that, she didn't provide the Mini Miranda which by law you are required to do, she didn't verify my info not provided her info. I didn't say it was okay to call my cell and she didn't ask or provide the cell phone script, is a violation of FDCPA.
my payment is due on the XXXX, i received a call on the XXXX at XXXX saying they did n't received my payment. I told them that i would be sending a payment on my payday which was the XXXX, they told me i would be in default if payment was n't received by the XXXX of XXXX. well my check was short by error, my job is fixing that. I call 800loanmart to let them know they said the same my payment will be in default by the XXXX. This morning ( XXXX/XXXX/17 ) i get a email telling me i broke an agreement by not making the payment on the XXXX. my question is is this harassment if I 'm not 10 days pass due. I thought there was a XXXX grace period. Can you help with this.
I am writing in regards to Credit Collection Services Account # XXXX. 
After my conversation with them on XX/XX/2017 my account was settled for the amount of {$480.00}. During my conversation with the representative. I, requested for the file to be removed from my credit report. The representative at the time agreed that the debt would be removed 30 days after the payment was receipt. The agency never send me written confirmation of our phone call agreement nor contact me via any means to inform me that the account was reported to the credit Bureau. I had to contact the credit agency my self and request a copy of my credit report. Upon receiving my report, I noticed that the agency did not put a request to have the account removed from the credit file. I contacted them immediately and they completely denied that they agreed to have the account removed from the credit bureau file. I explained to them my circumstances that I am in which is unemployment and the sacrifice I made to pay this bill.They were unwilling to cooperate with me after they received the payment. Their answer was if you want us to remove this account from your credit file you, will need to pay additional money to our agency. At this point I believe that my rights as a consumer have been violated as I was given false or misleading information in regards to the way my account was suppose to be handled. I would like to have the support of this agency to assist me with the matter as I would like to have my credit file without this collection remark.
Two accounts from on Equifax Credit Report are aged at seven ( 7 ) years and are thus to be deleted for that reason. Equifax reported the following to me regarding these accounts, " Between XX/XX/XXXX andXX/XX/XXXX the following accounts were deleted from your credit report. '' However as of today, " XX/XX/ both accounts still remain on my credit report as well as ALL the information involving payments, status, open and closed dates, etc. I sent a letter reminding them that these are aged and that they had told me they were removed but are still showing.
XXXX is reporting to Experian that I have a balance, when the mortgage was paid in full in XXXX of 2016. I have disputed sevaral times and Experian is saying that the balance is being verified, but that can not be possible. I have sent them a lot of supporting documentation, including a letter from XXXX thanking me for paying my mortgage in full and a copy of the bank check used to pay off the mortgage. The item has been removed from XXXX and XXXX, but I can not get Experian to update or remove.