WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted Experian multiple times to inform them that they are reporting someone else 's Public Records information on my credit file. Experian have not removed this information from my credit file to date. Experian is reporting a Public Record filed XXXX/XXXX/2016. According to the Courts, they did not supply information to Experian for the incorrect data that they are reporting on my credit file. I need your assistance in getting this matter resolved and removed from my credit file.
After I was XXXX from XXXX Bankruptcy in XX/XX/2014, OCWEN forced insurance on my property. I had proof that I already had insurance. It took me XXXX XXXX XXXX XXXX months to have it reversed. Then OCWEN took the extra monies and applied it to the loan instead of placing it in escrow. I was then preparing to sell the home, and discovered the title of the home was in The XXXX of XXXX 's XXXX name. When I confronted OCWEN, they did nothing. I then requested a detailed report on the status of the loan in XX/XX/XXXX. OCWEN sent me a statement. I then, for the next XXXX months, faxed a request, phoned in several requests for a detailed report for the loan. They have not delivered that information year to date. In XX/XX/XXXX I retained legal counsel. I demonstrated where the XXXX paperwork showed the debt agreed upon was paid in full and the balance is XXXX. Now please keep in mind, I am not necessarily saying I do not owe a balance. But I do not owe the amount OCWEN states. OCWEN never deducted the amount I paid in XXXX bankruptcy. That is the dispute, and OCWEN has foreclosed on the loan on a property that is not in my name. My lawyers have defended the loan as a typical foreclosure. It is not. I have sought other counsel, who have said I have a case, but want {$20000.00} up front. I can not afford that. I do not know what to do, and my court date is XX/XX/XXXX
There is a phantom account at XXXX that the company keeps trying to bill me for. In XXXX 2014, I communicated with XXXX regarding the phantom account and XXXX acknowledged that the debt was erroneous. I have e-mail communications to this effect. I recently received a new communication from XXXX 's debt collection agency attempting to collect the debt. Evidently, they switched the account numbers but its the same debt amount.
On XX/XX/2018 I was charged {$230.00} from my personal checking account. This charge was not authorized and is a duplicate of a legitimate charge of {$230.00} on XX/XX/2018. I contacted Coinbase to request my money be refunded wherein they said it would take up to 10 days to be refunded by my bank. No refund appeared in my account and the erroneous charge was not wiped out. I contacted my bank who said this is an issue between me and the merchant. Over a month later and the {$230.00} is still missing from my account.
I have placed a dispute with equifax on XX/XX/2018 regarding a chapter XXXX BK that was not related to me with confirmation # XXXX. I checked my credit report due to an alert of a score change on XX/XX/2018 and noticed the item was deleted ( chpt XXXX BK ). On fri XXXX the item was re-inserted back on my report. I contacted Equifax again on XX/XX/2018 to notify them that i was not notified in writing nor email of the reinsertion within 5 business days allowed by law per the FCRA. I also faxed them a formal complaint letter to remove item on same day. Equifax removed the item on XX/XX/XXXX for 2nd time and reinserted it again on XX/XX/2018 confirmation # XXXX. THis is now a direct violation of my rights under the FCRA. Equifax is knowingly and willingly dmamaging my scores and credit reports on purpose as i am in the middle of closing a mortgage. They also claimed to had verified information with courts and courts told me they do not verify third party information such as the credit bureau. the re-investigation was incomplete as they were untruthful with me
Wells Fargo started reporting on my credit for a mortgage that was included in a bankruptcy case in XX/XX/XXXX ; this loan has not reported on my credit for the last 7 years. I did not reaffirm the loan at any time. In my XX/XX/XXXX divorce the property and loan was awarded to my ex-wife.
I am relatively new to the game of credit. However, my credit has been negatively impacted due to a hard inquiry that came as a result of requesting to finance a laptop from XXXX. I should have thought a little bit harder ahead of time, but I assumed the financing would work similarly to the way consumers essentially finance expensive smart phones on their cellular plans. The financing plan would have been through Barclays Bank XXXX this is who the hard inquiry came through, of course ). I was not even certain that I would purchase the computer, but due to the verbiage on the XXXX website ( XXXX ), it seemed as though I would be able to check out my options ( which is why I requested the terms of the requested financing be sent to me - attached in a screenshot ) ; would I be able to jump on a payment plan, would I have to pay up front, etc.. While I do not believe I have too many factors on my credit, one thing I do know is that when I sign up for something, if any money is owed, it is paid. Since graduating college, I have had no goal other than to keep a healthy credit score. I know the impact is not out of this world, but I 've worked hard over the past 15 or so months to ensure a positive progression with my credit. I understand, technically a request was made in the end of the day, however, I did not intend on filing a formal request for a credit card. I just received my first credit card!
I've attempted more than 5 times to submit a dispute online with Equifax at their website : https : //www.equifax.comXXXX  and everytime it states that the information that I entered does not match their records. I was able to successfully submit dispute with XXXX  and XXXX in regards to the same account ; XXXX XXXX for amount of {$600.00} opened XX/XX/XXXX. Investigation has been conducted and found in my favor that I did not own this account. However, online is impossible to submit dispute with Equifax and today XX/XX/XXXX I have been calling all day to the number : XXXX and XXXX and every representative states that their undergoing system updates and can not assess anyone 's account to call in 30 minutes and this has been going on since XXXX XXXX XXXX!
I have tried contacting them numerous time and told them this account does not belong to me, all they do is give me an address to mail a dispute letter and never get a response. this is negatively effecting my account, as i am trying buy a house and this is only negative account on my file.
JP Morgan Chase acquired my Mortgage loan from Washington Mutual XX/XX/2008.The interest rate on the loan was approx-2.85 per cent Because of one payment being late I paid the late payment with the second Installment and the bank failed to apply the payment refunded the payment to my checking account.Without filing any notice default and substitution of trustee the bank raised the interest rate from from 2.85 % to 9 % .This created lot of financial hardship we were forced to sell the property as distress sale.
i have sent account resolution services 2 validation letters disputing this debt. i have no knowledge of owing ars/ account resolution services or the creditor XXXX XXXX XXXX any outstanding bill for services or products. the collection company rerfuses to comply with HIPPA validation letter and respond with proper DOCUMENTS pertaining to this alleged debt i have no knowledge of. Im dispiting this alleged debt but the collection company account resolution services continues to violate the FCRA BY CONTINUING TO REPORT THIS ALLEGED DEBT TO THE 3 CREDIT REPORTING COMPANY AFTER I HAVE SENT MULTIPLE REQUESTS. MY LAST WRITTEN DISPUTE WAS ON X/X/17.
I was contacted by STATES RECOVERY SYSTEMS INC for a old credit card that I believed was inaccurate. The amount in question I stated was in dispute by me as well as the time line. I was told that to prevent future action by them I had to pay {$3000.00} immediately. The collection notice is dated XX/XX/2018. I am extremely concerned they will continue to harass me and make threats.
I have disputed the mistake in my report : XXXX XXXX XXXX # XXXX : This account has been paid off since the end of XXXX, why you report the status Late in XXXX XXXX
Ocwen p rocessed a loan modification in  XXXX     2015 for a  property that I purposed with my ex-husband without my signature. I signed  a Quit Claim D eed however it was not filed with the lender or the municipality. The loan is currently in default and I can not buy a home because of th is. Is it m y understanding that you need a signature to process a mortgage. I want my name removed from the mortgage since I did not agree to  it. Ocwen is  now under investigate for this type of behavior.
There was a fraudulent inquiry done with XXXX XXXX XXXX XXXX on XX/XX/2018. XXXX reached out to me to see if I applied for a new card. I explained that I had not requested any new credit with their company. They intern mailed me a letter to state that they would have the inquiry removed. I also file a dispute with Transunion and XXXX  as those are the two bureau 's that shows the inquiry. It is now a full 90 days later and the inquiries are still showing on my credit bureau report. I reached out to XXXX and they have contacted the bureaus by phone and nothing has been removed from my report. I am not involving CFPB as this is a violation. This false inquiry is effecting my credit score and it not fair to me as. a consumer. I would like action taken and would like the inquiry to be removed as the information is inaccurate.
had late payment reported to credit bureau post la flood by capital one. my house flooded and was displaced. Per the federal disaster area, should not have been reported to credit bureau for time frame. asked to have it deleted, capital one would not.
First ... .the above question is n't applicable so I did n't know what to put but it made me put something. 

I have been very ill since XXXX 2013! I lost my job. I tried to cover all of my bills and part of the time I was on Medicaid. I talk extensively to XXXX about my situation. I was told they had discounted and/or written off or submitted any bills to Medicaid. I did not know I owed anything until I gota notification from Mountain Land Collections. 
I contacted them ... .I explained the same thing I just told you ... .I told them I could n't work and my husband is on permanent XXXX and I have no possible way to pay. So now they just report it to the credit bureaus every month. Things were so bad I filed bankruptcy but this did n't include Mountain Land Collections. 
I do n't know what to do.
LATE PAYMENTS ARE REPORTED ON STUDENT LOANS WHICH WERE IN DEFERMENT AND THEN LATER CONSOLIDATED. LATE PAYMENTS NEVER REMOVED AND IT IS NEGATIVELY AFFECTING MY CREDIT SCORE. DEFERRED LOANS CAN NOT BE LATE, WHEN NO PAYMENTS ARE DUE. 

FEDLOAN SERVICING OVER 20 ACCOUNTS SHOW LATE PAYMENTS.
Rcv 'd call on XXXX/XXXX/XXXX on cell from XXXX at XXXX with no company name. Only an case #. She also stated made that they made several attempts to reach us, but we have no record of any previous calls. When we got home, there was a message on the answering machine @ XXXX from same lady stating she was employed by ARA and the same info as above, that a immediate response was necessary or a final decision will be made that evening. I requested info in writing as I have no knowledge of owing any debt whatsoever to XXXX XXXX Bank, the name of which she gave when I talked to her. She was very aggressive when I spoke to her and I ended the call. A letter was received from ARA, on XXXX/XXXX/XXXX, dated XXXX/XXXX/XXXX, demanding payment of a very, very large debt we know nothing about. I pulled my credit report from XXXX different bureaus and there is not a reference to any such debt. I also went to our local bank with this information and they said it was probably a scam. I have not now nor ever had an account with XXXX XXXX Bank, who, by the way, ceased operations in XXXX under that name, per the internet and our local bank. I have sent a letter of dispute to ARA, XXXX to their XXXX XXXX XXXX and a street address obtained by XXXX them. This letter requests proof of debt being mine by way of a copy of original loan documents with my signature. These letters were sent registered, return receipt requested, upon the advise of CFPB. who were very gracious in helping my wife.
I have repeatedly requested that CCS Collections provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
After refinancing my home I was only given temporary payment coupons to make my payment. Once I received my first paper statement it showed a shortage of XXXX. My first statement was received on or about XXXX XXXX. I contacted XXXX, the mortgage company and attempted to correct the discrepancy, however, XXXX was in the process of selling my loan and was unable to assist me in any way and was instructed to call the new loan servicer ( SLS ) to correct any problems. SLS was unable to assist me until they processed the loan after XXXX XXXX. I contacted them again on XXXX/XXXX/2015 and XXXX and was informed that they do not have any information prior to their taking control of the loan and offered to request my statements from XXXX Mortgage to review. No statements were ever sent to me. I contacted SLS again approximately the middle of XXXX to attempt some resolution. After speaking with the agent she was able to see past payment activity and was able to locate the issue of XXXX Mortgagemisapplying my first payment causing payments to be late from that point forward. Now I am in a situation were neither mortgage company claims to have the ability to assit me in the matter. I made contact with the first mortgage company as soon as I received my first statement showing a discrepancy was sent and made me aware.
1. Billed ( included in mortgage ) unauthorized insurance coverage ( for home appliance ) 2. Inaccurate Statements ( monthly statements ) ; ignores repeated calls to address3. Transferred paid principal payments to supplement escrow shortage without notice or authorization. 
4. Unable to reconcile account statements, over {$1000.00} paid to Ocwen is unaccounted for. 
5. Very abrupt loan transfer to XXXX, without reconciling account ; as though to sweep this under the rug - I Need immediate attention to address this. There are outstanding issues with OCWEN and yet the loan servicing transfer to XXXX takes effect in XXXX days. 
6. Inaccurate tax return statements for ( 2014 ) 7. I believe my loan is being transferred as a move to hide or cover-up these concerns that I have now repeatedly reported up their chain of command. The CEO, COO, CFO and Chief Legal Counsel are aware of these challenges and have turned a blind eye
ditech issued a new format billing statement. I believe that my loan may have been transferred to the XXXX XXXX billing platform. 1. a XXXX payment is recorded. I do not know what this represents. 2. the " address on the front of the statement '' now states XXXX XXXX XXXX. 3. I do not know who are the members of the ditech financial LLC. 4. I do not know the State of California business license number. 5. I do not know the actual name of the firm incorporated to do business in the State of California. 6. I do not know the name and address of the registered agent in the State of California. 7. I do not know if my loan is being processed thru the XXXX XXXX platform or if my loan is being processed through the GreenTree or ditech platforms. 8. I do not have a hand-off statement from ditech. An acceptable hand off statement will correlate a ) old-new account numbers, b ) principle balance, c ) escrow balance, d ) property address, e ) parcel number, f ) liens known at the time of the transfer. 9 ) the current state of escrow payments should also be shown in order to know the cut-off date for payments made through the old and the new billing platforms.
I have been given no reasonable options to pay. I am a father of XXXX and my wife has XXXX, I am strong to make ends meet ... let alone pay {$700.00} plus a month on student loans.
I have an account with WellsFargo. I have been client for many, many years. One day, out of the blue, when trying to place a transfer online, my money is frozen. I call the contact center and they told me that my account has been blocked, that they needed some additional personal information to unlock it. I answered their questions and they say they would process accordingly. A week later, still no access to my money. Called again, they say the needed more time. 

I can not believe that WellsFargo can just take me out of accessing my money, just because of and " intern process '' ... .still not indication on when could transfer money out of my account ...
My son is XXXX years old and he lost his debit card. At that time he did n't have any money on his account, when he told me he lost his card i said there 's no money in it. my understanding debit card works when you have money in the account. When we open the student account with Chase, they said for student account we can not withdraw more than {$400.00}. After couple of days of losing the card we received a letter with the image of the fraud check my son 's name was spell wrong, signature was not my son signature, and the come from a company from New York and my son does n't have any connection to New York. IF IF my son did this check for deposit how come he CAN NOT write his own name correctly. Please check the deposit slip. This withdraw happened on XXXX for {$750.00}. And i was questioning the dispute department of Chase bank how come i have not received any alert from you guys since we signed for it, so the account drop to XXXX and also XXXX as returned check. After 2 days another withdraw fro ATM for {$1700.00}. Up to now the account has around -2500.00 and I have NOT received any kind in from and alert from bank. Meanwhile Chase freeze my account to have back up and they want to take the money from my account. I 'd like to compliant Chase bank since they did not follow the agreement, they did n't sent any alert, withdraw more than {$400.00} and denying my case after hours and hours on discussion the phone. we talked on the phone on speaker my son said these transaction are Not valid but they are saying he said IS valid when my son asked if I said, I want hear my voice but they said, '' sorry, we ca n't do that ''. I really do n't know what to do. Please Advise. Thanks so much
XXXX XXXX XXXX is reporting an account that I have paid to the original creditor, XXXX. XXXX XXXX XXXX can't collect on a debt that I have already paid to the creditor. *see attached receipts as proof of payment*
I WAS SUED AND THE LAWFIRM SERVED A MINOR. WITHOUT KNOWING MY RIGHTS, I OFFERED TO MAKE MONTHLY PAYMENTS ON WHAT I BELIEVED I OWED. SINCE THEN, THE LAW FIRM CAN NOT PROVE WHAT I OWE AND WHAT MY ACTUAL BALANCE IS. EACH BALANCE THEY ATTEMPT TO GIVE IS SUBSTANTIALLY DIFFERENT INCLUDING THE BALANCE THEY SUBMITTED ON A BANK LEVY. I BELIEVE I MAY HAVE MORE THAN REPAID WHAT I OWE BUT WINN LAW GROUP INSIST THAT JUDGEMENT INTEREST IS THE REASON MY BALANCE KEEPS DOUBLING. THERE IS NEVER A CONSISTENT RENDITION OF WHAT I OWE NOR HAVE I BEEN PROVIDED A LEGITIMATE ACCOUNTING DESPITE MY REQUESTS FOR SAME.
Account opened- XX/XX/2017 Date noticed debt- XX/XX/2017 Actions Taken- FILED DISPUTE WITH COLLECTION AGENCY Amounts- {$580.00} {$1000.00}
On XX/XX/XXXX, I wrote the companies an inquiry dispute letter regarding unauthorized inquiries done in my name on XX/XX/XXXX and XX/XX/XXXX. I do not have an account with these companies. On XX/XX/XXXX, XXXX XXXX XXXX XXXX gave examples of three types of inquiries made on a report ( which is irrelevant and did not prove that I made the inquiry ) and asking if I would like to have my name deleted from their marketing list then to send the request in writing. The letter stated the company was unable to locate an account in their system. The company did not submit proof that I initiated nor authorized an inquiry. 

On XX/XX/XXXX, XXXX XXXX XXXX also did not submit proof that I initiated nor authorized an inquiry. 

These inquiries were made without my consent or knowledge.
The account on my credit report for XXXX XXXX was not opened or owned by me. I have reported this to trans union and XXXX but was told it meets fcc rules. Well show me where I signed or used an address associated with me. This is not my account and was opened without my permission.
Trans Union is ignoring all my requests to investigate, verify and remove the accounts from my credit report that do not belong to me.
I obtained a loan through Argon. The payments were being made by direct debit out of my checking account. I contacted Argon XX/XX/2016 and informed them that I no longer wanted payments direct debited from my checking account. According to their disclosure statement I was within my rights to do so. They stopped debiting the payments. However on XX/XX/2016, Argon proceeded to debit my checking account without my permission after I have instructed them not to. They clearly violated my rights under the Federal Trade Act and obtained the money illegally without my permission.
I have spoke to XXXX about my inquires back in XXXX. I still havent had them removed. I spoke with them in XXXX, XXXX, and XXXX and they are still there. The creditors that put the inquires out there have sent several letters to XXXX   as well. The inquiries that need to be removed are the 5 J.p. morgan Chase inquires from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 1 inquiry from XXXX on : XX/XX/XXXX XXXX inquiry from XXXX on XX/XX/XXXX XXXX inquiry from XXXX/XXXX on XX/XX/XXXX 1 inquiry from XXXX XXXX on XX/XX/XXXX I have already sent over documentation stating that I did not make these inquires.
I purchased furniture with a Fortiva credit account -- that is listed as a credit card -- even though I have never been issued a " credit card. '' My account is posting me 30 days delinquent on payments received within a 30 day time period. I have disputed these items with all XXXX credit bureaus and received a reply from XXXX that account has been updated -- but the only note was to contact creditor. I provided XXXX with my payment history from Fortiva 's website verifying my payments.
I get the wrong birthday with Experian credit report. I already contact them and still issue not resolved.
I first Contacted this company XX/XX/2018 to validate the debt. i received a letter back dated XX/XX/2018 that this company will obtain the requested documents and if it cant be done in a timely manner they will cease any further collections. as of XX/XX/2018 which has been over 30 business days and the proper validation has yet been received.