WillisBack/dataset-financial-user-claim huggingface dataset:
I have been making my monthly payments though automatic payment though my bank 10 days before the due date every month. Last year I discovered that my credit report was stating that my payments were late every month for over a year. I contact Popular Bank and they were missing 2 payments. After I emailed them this information, the issue was fixed. After that it took them 3 months to fix the mis information that had been reported to my credit. This was in XXXX 2016. Since then they have once again started to report my payments late again for the last 2 months. I have contacted them again and was told my account was up to date and to send them my credit reports again. I should have to call this company every month to make them do their job.
CNAC/XXXX is reporting negative collections on my credit report. This was a XXXX Byrider car that i got. The car broke down on us XXXX weeks after i got it from XXXX Byrider. They said i was responsible for all repairs. I told them that is unacceptable because the car was making a weird noise to begin with.They were suppose to look at it before i drove off and never did. So the car sat in the street at my house for a long time. I asked them to come take it back that i did n't want it no more. They waited and refused to get car. I told them there was a 30 day return policy and they refused to honor it. I was dumb and young at the time and just let it be. Now i know better and regret my choice. I should 've pushed them to follow their policy. They should n't be reporting it anymore.
Capitol One, I closed my account aprox, XX/XX/XXXX i had gotten a credit to the account after closing it in the amount {$150.00}, XX/XX/XXXX, capitol one says my account is resricted and can not tell me when i will be receiving the funds due me, called on XX/XX/XXXX, they would not give me a date on when i would be receiving the funds i spoke to XXXX i.d. # XXXX
On several attempts Ive tried to contact Equifax to inform them of some inquiries on my credit report I do not recognize. Under the FCRA 604.15 inquiries are only to be pulled for insurance, employment, court order. For this reason, none the these inquiries fall under those circumstances. XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX (XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). These are not my inquiries and I did not authorized them.
I was going through copy of credit report that was sent to me by TransUnion I noticed inaccuracies on my personal information. first was my last name was spelt wrongly. My last is spell XXXX noXXXX XXXX so need that to be change and I never used anywhere unless was sent to them wrongly so it needed to be correct to avoid identity theft. Next is Addresses, I never had post office box address so this XXXX XXXX XXXX, XXXX, GA XXXX need to be remove and also this XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX to be update to XXXX or removed because I never used just address and I finally telephone number XXXX XXXX XXXX never had this telephone number the only number I have and still do XXXX XXXX XXXX and I would like this XXXX XXXX XXXX to be remove in other to avoid identity. These are three items I found in my personal Information that needed to be removed or updated. Thanks.
XXXX XXXX, 2016 : I received a call from a collection agency this week for an outstanding debt of approximately {$55.00} in relation to US Bank. I am no longer a client of US Bank and closed my account with US Bank in XXXX 2016. I eventually called the recovery department for US bank to find out the origin of the charge. They could n't specify what the charge was for and told me to call the branch where I closed my account. When I called the branch they told me I had a pending transaction at the time I closed my account for approximately {$25.00}. When this charge went through, my account was reopened and hit with another {$30.00} fee for an overdraw. US Bank failed to contact me about any of the aforementioned events and failed to notify me ( written or verbal ) about the charges I allegedly owed. I received the run-around for three hours on the phone trying to find out how to dispute the charge and/or resolve the issue, but I was n't able to make progress. I believe the situation is solely a product of US Bank 's incompetence to XXXX the pending transaction at the time I closed my account and their inability to contact me before sending the claim to a debt collection agency.
According to my rights under FCRA ; I have the right to request for information of incomplete material be removed from my credit report. The attached document has information for pending allegations that I have not been convicted of and should be removed per my rights under the FCRA for reporting incomplete information. Please remove this at your earliest connivence.
Equifax has exhibited unacceptable negligence in collecting my personal credit information, allowing access to my credit information and securing that information from mis-use. Equifax collected critical information without my express consent then through inadequate security measures enabled that information to become accessible to others without my express consent. I believe I have the right to deny them access to, storage of and distribution of all information about me because of this breach. Their site does not allow me to demand the deletion of my personal information from their databases or allow me to expressly deny them future access to anything related to my personal or credit-related information. I demand all personal and credit-related information be deleted from their access now and forever, immediately and without further debate.
Portfolio Recovery Associates has been improperly reporting two separate accounts to XXXX credit agency. The two separate accounts are for XXXX XXXX XXXX XXXX  and XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Portfolio Recovery Associates has been reporting both accounts to XXXX as in an open status. They are both paid accounts. XXXX XXXXPRA was paid XX/XX/2016 for the amount of {$950.00} dollars. XXXX XXXXPRA was paid in the amount of {$600.00} XX/XX/2016. They should not be listed as an open status. They should be listed as paid and closed. Portfolio Recovery is listing that the two separate accounts are in a derogatory status upon XXXX  credit reports. They should not be listed as in a derogatory status. They have both been paid. I have not had any successes with my personal interactions in correspondence with Portfolio Recovery.
Hi, My name is XXXX XXXX, Experian Member ID # XXXX 

Today, XX/XX/XXXX, I was on the phone for 2 hours and approx. 20 minutes trying to correct one item on my credit report. While on hold my call was dropped. 

My issues : I need to resolve one item on my credit report Experian does not list an email and it is impossible to connect with them I have paid {$24.00} for the past few months for their service and I am unable to contact them in a timely manner Thank you, XXXX XXXX
XXXX XXXX was paying my mortgage and per our documentation ( through XX/XX/XXXX ) I was approved for the last quarter but they never sent the payment. Rushmore contacted me and said there was an outstanding balance and then XXXX XXXX told me that I my XXXX funds were reduced to offset the amount received over the {$18000.00}. 

I was prepared to have the XXXX &XX/XX/XXXXpayments but I was told that I need to pay XXXX, XXXX and XXXX as well. 

I received a notice from Rushmore that they deemed my home VACANT! I never received a call or letter from them regarding my property - but I did however speak with with XXXX onXX/XX/XXXX. On XX/XX/XXXXmy landscaper said that there was someone taking pics from the street of my house. I was in the house resting, no one ever came to the door nor was the landscapers, who are XXXX were asked if the owner was home. Instead they were afraid - I cant belive they sent a XXXX XXXX to my home. I want to know how they deemed my home vacant? What communication was used? Whom did they speak with - my XXXX is a sheriff. 

I need this investigated asap, I am also getting a lawyer because Im looking at this as harassment from their vendor. My congressman will also be notified.
I was informed from my bank when I applied for a loan that there was collection accounts on my credit report. I was unaware of this Company, LVNV Funding LLC . I put in a dispute with credit bureau and it is still pending. In the meantime I had joined a website called collection shield XXXX that helps consumers dispute collection accounts, this was in XXXX 2016. To date I still have yet to receive verification of the debt LVNV funding says I owe and was served with a summons to local court. The papers state this is for a charge off account from XXXX XXXX Bank. Upon further investigation I found that LVNV Funding is owned by XXXX XXXX Bank. So is it legal that they can even sue? I did find XXXX bank to also be on my credit report and it states that account was charged off and was sold to LVNV funding. How can it be sold to a company they own ... and how can they sue me if account is under investigation and in dispute and they have n't even verified the account.
I am filing this complaint against Experian. Experian is violating the FCRA, by knowingly listing unverified accounts and personal information on my credit report. Experian has ignored my repeated requests to provide me with the documents or copies of the documents that they are using to verify the accounts, I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, Experian is required to " ... promptly DELETE all information which can not be verified '' that I disputed. Please help me resolve this matter as soon as possible. Thank you.
A loan for XXXX was given to me..they never sent me a rate notification and now I find out its over 100 % intrest please help
I was notified via my XXXX account on XX/XX/2018, that there was an account in collections. Through further investigation i.e. me calling the collection agency ( PERFECTION COLLECTION ) as well as the company ( XXXX ), I found out that the individual who opened the account is a family member who stole my identity. I've sent both companies copies of my Michigan State drivers license as well as a police report I filed. I've also sent PERFECTION COLLECTION LLC a copy of my United States XXXX orders as proof of residence in XXXX at the time the account was opened. No one has reached out to me on either parts. I've called both companies multiple times and they have done nothing to remedy this situation.
I used the company to see if my credit was high enough for their services XX/XX/XXXX, then on my credit report it showed two hard inquiries another one on XX/XX/XXXX and I don't recognize the second inquiry. and that put 4 hard inquiries on my credit report and that's costing me points. I tried to contact them but their are to many companies with that name.
Within this past month I have disputed GC Services with all three bureaus and in less then 24 hours the account comes back verified. I asked them to validate that the debt was mine and they sent me a copy of a XXXX bill with signatures that 's are n't even mines. They in no way have validated or verified that the debt they are trying to collect is mines. Also GC Services has very unethical practices like calling their " customers '' 2-3 times a day and have been in many lawsuit.
In XX/XX/XXXX I opened a XXXX credit card, I had a {$1400.00} balance and I defaulted on it a year or two later. In XX/XX/XXXX they tried to put a lean on the checking account. Since I 'm on XXXX they could n't take money since I get government checks. Skip to XXXX XXXX, I got a letter from one of my credit card companies that they were inquiring my information. I called to find out what was going on. They said that I owe {$4700.00} and I needed to pay it back or they were going to take court action. I asked if it could be reduced to the original amount plus lawer fees they rejected it and said I had to pay back the full amount. So to avoid the court action I agreed to pay {$100.00} a month for a year then $ XXXXfor a year then {$150.00} for another year, with a final payment of {$91.00}. They said that was the only way to avoid court action. Being on XXXX I can NOT afford this. I say one of your reps on XXXX XXXX, so wondering if you can help me in this matter?
I am XXXX XXXX XXXX, XXXX XXXX and owner of XXXX XXXX XXXX. TD Bank has been calling my business more than once per day seeking a debtor. I called TD bank on Friday XX/XX/18 and requested that they stop calling my office. I gave them the name of the person they were calling about. I told them I would report them to authorities if they called even one more time. Today ( XX/XX/18 ) at XXXX, they called again. The calls are coming from XXXX. Today the agent 's name was XXXX and she was agent # XXXX. I did not get the name of the agent I called yesterday.
Repeated calls from various numbers, early and late calls and even on Sundays, calling multiple times in a row, tried to call back the number a few times got no answer, often call with just " Unavailable '' on the ID so we ca n't tell who it is.
I attended, XXXX XXXX XXXX XXXX Florida 8 years ago school and was over charged for XXXX different type of over XXXX dollars in loans that I did n't use for the whole program. The school stated a check will be sent back to me was never receive. It is 2017 and still nothing received.
I had a home looan with US bank. they were the " second '' position.I ended up becomin permanently XXXX and tried and tried to get a loan modification with them but they took months and months, emailing me, but NEVER gave me an answer. the first mortgae. XXXX, was just about to forecloose so, I had to do a short sale. I wonder why US bank didnt offer me a loan modification??? this was back in XXXX the escrow closed on XXXX XXXX XXXX. I sure miss my house. also.. I thought green tree was supposed to give me " relocation assitance '' but they say no, because it wasnt a " short '' wit them. they say US bank would owe me the relocation. soo.. I would like the relocation fee and an answer as to why they NEVER modified my loan?
I am a US citizen currently XXXX XXXX and am unable to access my credit report. It's come to my attention there are medical bills in collections from a car accident where I was not at fault and the medical care providers failed to bill the Personal Injury Protection policy provided. 

This is adversely impacting my credit score which was EXCELLENT a year ago. I am not returning to the US any time soon and need to access my information. If I am able to provide my identifying information, there is NO GOOD REASON I should be prevented from accessing information I am legally entitled to as a US citizen. 

Please advise immediately.
An addendum to my complaint submitted early in the week : After becoming thoroughly frustrated with Nationstar Mortgage ' s horrible refinance process and giving them the red light, the company 's underwriting team ( Greenlight ) decided to send me a denial letter! Really??? It took you four months to make this decision? Poor! So what happens to my current loan with this company? Maybe I will blessed and Nationstar Mortgage will sell my loan! I suppose this is what happens when you file a complaint!
I sent a dispute to Experian concerning several items that were inaccurate on my credit file. These accounts were disputed directly with those Companies and said to no no longer exist with those various offices. I demanded a investigation provided the proper information needed and nothing was done. This was the third effort to resolve these validation issues. XXXX # XXXX XXXX # XXXXOHIO DEPT OF HUMAN SERICES XXXXXXXX # XXXXI sent the same complaint to XXXX and XXXX as well with no response back
The dental office gave me a quote before doing work for my son 's teeth - he was XXXX yrs. old. The quote was {$160.00} my out of pocket expense which I still have the quote. But then I got billed for {$760.00}. The work done is only filling for XXXX teeth. The explanation was insurance only cover XXXX filling not the XXXX they used. i dont ask what XXXX they used, i just assume they used what is allowed. i sent a payment of {$200.00} but they refused to take and further advise me to deal with the collection agency. They sent me to collection when the bill was only XXXX days overdue of which I was trying to depute. This is a fraud. I got misled. I sent the dentist a nice letter and also requested if i can discuss in person. Both I was not granted. I did ask for a discount, I was told by his billing that they can not even give me a {$10.00} discount.
I would Like to file a complaint on bank of America On XX/XX/XXXX I sent a request for them to investigate a authorized credit inquiry on my XXXX and XXXX report I sent in a copy of a police report explain that I was a victim of id theft. Bank of America never replied back the inquiry was Pulled on XX/XX/XXXX
CRA violation no knowledge inaccurate accounts appeared on my Transunion credit report. FTC ID Theft report # XXXX
My account with Walmart was purchased by another company and I paid the account to that company and Walmart has not contacted the Credit Bureaus to state that this account is paid. I would like this information updated asap.
Ocwen does not explain nor is consistent with additional ; l fees on mortgage account. They have no valid explanation as to why they cant submit the proper XXXX according to agreement in the XXXX modification.
Went to Bestbuy store to meet seller with BestBuy unscratched gift card for sale.
Asked clerk to scan & verify the current amount on card, {$250.00}.
Amount correct, buys from seller.
Went home to make an purchase on Bestbuy.com & card has now a {$0.00} balance. Lost {$200.00}.
Chase bank continues to mislead me and lie to me and cheat me. I have had 3 mortgages with them and they told me I qualified for modifications on all 3. I have received 2 modifications. They have lost {$11000.00} that I sent them in payments in forbearance and refuse to find it. I am totaling frustrated with them and want you to help in resolving my complaint.They are now offering a mod on the final one and want me to send them payments but they have not been accountable to me for the money I have already sent them and so I have opened a savings account and placed the money there. Please help.
{$1300.00} charges that i was never made please look at attachment. 
I have called these places to refund my money and then they hang up on me i never purchase anything in addition i talk to barclayed and i told them those are not my charges and they never returned my money back please help thank you
I just received a notice that my pay pal account email was changed ( Saturday ) and to contact them if I didn't do it. Turns out they have no weekend hours to contact them.
I recently got notification on XX/XX/2017 that several inquiries and my collection had been removed from my report. Today I received notification that they all were placed back on report without notifying me properly. Would like all removed permanently.
US Bank is submitting a report to the credit bureaus that my account is under investigation. I have never disputed this account. During a call onXX/XX/XXXX, XXXX, US Bank employee # XXXX, refuses to provide me with account information on my account regarding what is being submitted and reported to the credit bureaus. 

As of XXXX, my balance is {$0.00}. I have not filed any dispute regarding this account. Still, on XX/XX/XXXX, balance reported by US Bank for period ending XXXX is {$54.00} with a comment that the account is under investigation. 

I want this investigation ceased immediately by both US Bank and XXXX. Both state the other company is disputing the account or originated the dispute.
In 2007 I graduated from the University of XXXX. On XXXX XXXX, 2007 I refinanced my student loans on a 20 year fixed rate loan with a monthly payment of {$240.00}. Over the years I have made minimum payments religiously, in some instances I paid more than the minimum payment. The loan has been sold several times, the current institution is Navient. I received a letter from Navient telling me in 60 days they are changing the terms of my loan and are basing that change on time remaining in repayment, outstanding balance, interest rate, past delinquency and/or late payments, resumption of standard repayment after a period of reduced payments, other account activity that may have affected the repayment schedule. None of these factors apply, my loan is a fixed rate loan with a specific time period so how could my time or % rate have changed? I have not been late, nor asked for a reduced payment. My question is, " is it legal for Navient to just change the terms of my fixed rate loan? ''
Lady named XXXX XXXX from regional processing services called me was really rude to me said that they are perusing me for malicious tempt for fraud. I 've contacted the loan place I know I have a past due loan but even I 'm not the only one who complained about this lady and even the original loan place said it seems suspicious. The number the lady calls me from is XXXX she answers the phone every time. I 'm upset please help.
The credit companies are reporting I have tax liens reported by different courts. The courts  DO NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) a nd a serious breach of my privacy rights.
I receive a credit card from XXXX XXXX XXXX on XXXX XXXX,2017 and the company reported the credit card on my credit report within 5 days of receiving the card which is XXXX XXXX,2017. This company did not give me the opportunity to pay down my usage amount before reporting to the credit bureau. I Thought financial institutes allow you thirty days to pay for your depth before reporting to the credit bureau. I also did not receive a statement from this company yet because it 's to soon to release a statement, but they release my information to the credit bureau without notification.
I have been struggling to pay my car note over the years. I recently received my credit report, and saw my car was included into my Chapter XXXX bankruptcy. I did not know this. I did not sign any documents stating I was going to keep my car and contract with Santander. However, I have been paying {$400.00} for the last 6 years for a car that was covered under the bankruptcy. I spoke with 2 bankruptcy lawyers, both stated it is no longer a bankruptcy issue, but a consumer issue. When I called Santander it stated they would not release the car unless I paid {$14000.00}. I have to date paid over {$30000.00} for the car. The original car contract {$14000.00} with 24.99 % interest it is {$28000.00} ( My cred. I have paid way over that amount, they are stating none of my payments have been applied to the principal, because I have been late, and they will not release the title. I have reached out to the Attorney General, they could not help, because they said I already went to court. Legal Aid could not assist, and you are my last hope.If I filed bankruptcy in 2011, did n't sign anything to keep the loan, and I have been giving them my money. Late charges should not be an issue if I have been unknowingly been giving them my money, and it has been covered through the bankruptcy. Both bankruptcy lawyers said something is wrong, and they are ripping me off. I am asking you to intervene on my behalf. In a perfect world, I would like to get my money back, but I know that may not possible since I filed Chapter XXXX. Since I filed it has been a struggle to keep the payments, because of my illness, so realizing I could have saved over {$30000.00} really makes me sick to my stomach ... However, I would like my title. If you could please help me in retrieving my title, I would be greatly appreciative. Thank you so much!