WillisBack/dataset-financial-user-claim huggingface dataset:
My monthly payment amount changed on at least two separate occasions, one of which I was not sent prior notification of the change. I was sent correspondence on XXXX/XXXX/XXXX that notified me that my new monthly payment increased to {$1100.00} after review of my loans. I made the aforementioned payment for the month of XXXX XXXX. However, I recently reviewed my loan status and the new monthly payment was now {$1200.00} which is due in XXXX XXXX. I was not sent prior notification of the new monthly payment amount. I contacted the loan servicer and was informed that they will send it to their account department for review. This is not the first time that a change in my monthly payment has occurred without prior notification. Another incident like this occurred last XXXX XXXX and there was no change in interest rates nor do I have any delinquent loans. I currently have an extended repayment plan which should not have variability in payment amounts unless changes were made, which I did not make any changes in XXXX and there were no interest rate changes in any of my loans. I am very concerned about these sudden changes in loan payment amounts without adequate explanation by Navient.
On X/X/2017 I attempted to access my Annual Credit Report through Experian. I was unable to access my report, and was given a message that says " A condition exists that prevents Experian from being able to accept your request at this time '' The following message congratulated me on accessing my Credit History and advised me to mark down in my Calendar for next year.
I am not sure what this " condition '' is that prevents the access to my credit report, but I find being told to wait again for one year for an error message unacceptable
Equifax shows my closed and paid in full account with XXXX XXXX XXXX XXXX to be open with a $ 28K+ balance, payments past due, etc. This account was paid in full in XX/XX/2015.  Nothing I do seems to be able to get them to adjust the account status.
in XXXX i spoke to my mortgage company to try to ask for a deed in lieu of foreclosure. They would not speak to me about it and told me i would have to email a hardship letter. I did that, they never got back to me, so i called them. they told me they would not speak to me the property was in litigation, i should speak to my lawyer. on every statement i get it tells me i may call and speak to XXXX different people, which they will never speak to me, because again its in litigation. I called mu real estate lady and asked her if maybe we could try for a short sale. they would not speak to her either. in between i have called and called and never received any paperwork. they have my new address since XXXX. the last letter i emailed told them i never have gotten any paperwork and i do n't have a lawyer, so if anyone states they represent me its fraudulent, also that they have an incorrect address on the mortgage paperwork. also i had a bankruptcy several years ago that took away a home equity and XXXX mortgage with same company XXXX XXXX XXXX.
convergent is still reporting on my credit report after I have send them certified letter along with several complaints and they have refused to delete this account from my credit report. they have refused to comply and listing an unverified item on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and correct. I informed convergent that as per FTC opinion letter from XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. Therefore they have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... ... promptly DELETE all information which can not be verified. '' ( Section 617 )
According to Equifax, they have allowed my personal credit reporting information to be obtained by an unauthorized third party as a result of insufficient security protocols/procedures.
on  XXXX / XXXX / XXXX , I requested  XXXX ,  XXXX  and Equifax to dispute a false and negative reporting to my credit from  XXXX . So far  XXXX   XXXX , on  XXXX / XXXX / XXXX  responded today saying dispute resolved, no proof provided that i signed a " termination fee '' contract with  XXXX , and the negative reporting is still on my credit. I have not even heard back from the other  XXXX .   I requested  XXXX  to terminate my home phone, TV and internet service on  XXXX  or  XXXX / XXXX / XXXX .  XXXX  did not terminate my services until  XXXX / XXXX / XXXX . ** They have now charged me {$47.00} that i do not understand what those charges are for. i believe some of that may be for the difference of 5 days billing between when i cancelled and when they actually terminated my services. ** In addition,  XXXX  has charged me a termination fee of {$170.00}. I never signed up with them for a contractual duration. The only reason i signed up with  XXXX  a short while prior was because there WAS NO CONTRACTUAL TERM, and the cost was somewhat reasonable, until the actual bills came in. All attempts to speak to  XXXX  by phone where wasted by reps telling me that because of all the discounts they gave me they had no choice but to switch me to a contracted account. I did not sign up under contracted terms nor would I.
I have asked Experian to remove the incorrect public record listed on my credit file and they 've yet to provide me with adequate validation of this filing listed against me. 

I am asking that Experian follow suit and delete this public record from my credit file, as another credit reporting agency, XXXX, has found that this information was indeed inaccurate and has since removed the delinquency from my file with them. 

I have proof to submit showing that XXXX has found a discrepancy in this delinquency and has no longer reported this bankruptcy on my credit file with their company. I am asking that Experian either submit proof of their VALIDATION ( not verification ) of this bankruptcy or remove it from my credit file as it has caused me extreme emotional and financial distress.
Hello, So in regards to complaint number # XXXX and # XXXX we still have n't heard form our relationship manage XXXX XXXX from Ocwen Mortgage Co. and still have n't resolved the issue that THEY, OCWEN XXXX up our escrow in XXXX of 2015 by not including the hazard insurance. I have received this letter pertaining to the agreements for our HAMP program and loan modification denial by the so called " investor '' whom which either Ocwen or the " investor ' is constantly sending us paperwork stating or loan is overdue and will proceed to foreclose. Also constant inspector fees of people driving past our home, why do we yet again have to pay for that? We are making our payments and including the late fees but yet still receiving threatening letters regarding losing our home? {$1500.00} is too much to be paying for their mistake!! When is someone going to take action for Ocwen constantly trying to push people out of there homes? The one who did the escrow analysis last year should pay for the mistake, not us the homeowners. There was a difference in taxes from XXXX, only {$65.00}??? Also the hazard from last year to this is XXXX {$1000.00} this year {$700.00} a difference of {$380.00}, so why are we short all the time, {$2800.00} to be exact, every year plus with their outstanding cushion amount, which where does that cushion actually go?? Ocwen over estimates causing homeowners to struggle and lose their homes. Fix your mistake!!
I have yet to receive validation of the account with Credit World which I requested two months ago not to mention the debt has been discharged in a bankruptcy finalized last week. Nothing has changed this company has done nothing to rectify this complaint!
I have numerous times tried to access my Transunion and  XXXX  reports to dispute incorrect information such as names and addresses I have never used, and fail to even be able to process because I can not get past questions, which I answer correctly. I have attempted to fix this many times and for years I 've always been denied access to my own report or online dispute options. I am the person who files they hold yet I 'm denied access.
I have received a collection letter from this company and have not had XXXX XXXX XXXX since 2002. 13 years ago.
Back in XXXX I stopped making payments on a {$1600.00} XXXX credit card as my identity had been stolen and was going through financial difficulties. It seems that in XXXX XXXX decides to sue me but I was never served. XXXX attorneys put a judgement against me and continues to try to collect the debt. I settled the debt with XXXX back in XXXX XXXX and part of my settlement condition was that they would remove the judgement. That was not done. The attorneys are the Winn Law Group in XXXX, CA. I am now trying to sell a piece of property I own but the judgement is showing up on my credit report. When I got the information from the escrow company as to who to call, I called them and they sent me a letter trying to settle the debt that I had already settled and the amount had gone up to {$6400.00}. I got a letter from XXXX that my account had been settled and to please remove the judgement and my name from their list back in XXXX XXXX, XXXX. To date, I have not received a response from them and the judgement still appears in my credit report. I called XXXX and they told me that there is nothing they can do because the judgement was entered by Winn Law Group and that Winn Law Group has to remove it.
This is now my second complaint against Halsted Financial Services. Four days ago I submitted a complaint ( XXXX-XXXX ) for repeated phone calls, despite my many requests for the calls to stop. Halsted responded to this complaint two days ago and said they did not have any information on me and verified my number has been removed. Unfortunately, the calls continue. When asking who the caller was from, some told me they worked for Halsted and others were hesitant to disclose their company name and just said " a financial institution. '' I have asked repeated times for them to stop calling. I assume they're a debt collector, however all of my accounts are current. All of these calls have a caller ID starting with XXXX.
This was placed on credit previously and removed now account placed on credit again request account to be removed immediately. Account was paid by XXXX XXXX XXXX XXXX already. Please review attached forms
I am disputing the validity of the bankruptcy record your organization has included with my credit report. I have disputed in the past. Additionally, I am unable to properly dispute via your website.

I request that you provide the method of verification bankruptcy record youve listed on my credit record, please include the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; ( e ) the documentation used to verify ; This is my right under the Fair Credit Reporting Act : FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days or deleted the bankruptcy from my record
I'm filing a complaint against Equifax and XXXX  regarding my credit report. Both companies have failed to provide any proof that I gave these lenders promission to pull my credit. I never gave these companies any consent to inquiry my credit report. There was a hard pull from XXXX XXXX XXXX  on XX/XX/2017 and another hard pull from XXXX XXXX on XX/XX/2017. I need a signed application stating that I authorized these inquiries. If the credit companies can't provide these signed documents, please have these two hard pulls removed from my credit report. 
XXXX  file # XXXX and Equifax file # XXXX.
I have contacted Portfolio Recovery Associates ( PRA ) including but not limited to the following dates and reasons for complaint regarding a negative account they report to the credit bureaus : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, Re-aging an account, XX/XX/XXXX change in balance of account, XX/XX/XXXX reporting inaccuracies, XX/XX/XXXX changes to Date of 1st Delinquency, XX/XX/XXXX - Request additional information, XX/XX/XXXX request for validation of debt. They have violated FDCPA more times than I can count. Their communications state, " debt too old to sue '' yet the dates they show as support are inconsistent. They have removed and added this account from reporting to my credit file. They have changed the amount owed several times. Each time I submit a written request, regardless of the nature of the complaint, I receive the same response- a partial copy of a statement. 

Additionally, each time I have disputed with PRA, I have also disputed this account with each of the Credit Reporting Agencies ( CRA 's ), XXXX, XXXX, and XXXX. Again, I receive the same response from the CRA 's that the " account has been verified '' by PRA along with an " account information has been updated '' statement from the CRA. Every time I dispute an inaccuracy, my FICO score takes a nose dive as PRA " updates '' WRONG information. It is my belief, based on their behavior, that they knowingly and purposefully report false or inaccurate information to the credit bureaus. 

When I disputed inaccuracies in XX/XX/XXXX I received notice from the credit bureaus that they would no longer look into my complaints against PRA since the account has been " verified ''. How can an account be verified yet, each time I dispute something, the details of the account reporting change? In XX/XX/XXXX I sent notice to all 3 credit bureaus that I demanded a re-investigation into PRA 's inaccurate and false reporting on my credit reports. Upon re-investigation, guess what? The same deal, account has been " updated '' as a result of my investigation request. Each time I challenge false information, PRA " updates '' with new false information. This time they sent me a 2 line synopsis of an account showing I have a balance of {$1000.00}. YET, the " updated '' information sent to my credit bureau files shows an account balance of {$7800.00} as of XX/XX/XXXX and a last payment date of XX/XX/XXXX!  Another direct purposeful, false, inaccurate data provided from PRA. 

These ongoing direct and serious violations of the FDCPA have created a significant negative impact on my ability to obtain fair credit. As a result I have been burdened with adverse and costly credit terms or complete denial of credit for years.
On or about XX/XX/2018 I sent written correspondence to First Investors providing clear instructions on how my future over payments should be applied. First Investors has failed to acknowledge said letter and apply subsequent over payments as instructed.
I am an additional SHINee on two different credit cards. The problem is I am not financially liable for the debt. The credit card companies are reporting the total amount due on my credit report. This seems to be industrywide practice I have no financial responsibility. And it should not show up on my report.
I'm filing a complaint against XXXX XXXX XXXX.they shut my phone off and refused to work with me. This all took place after hurricane Irma now it is in credit bureau and in collections.i offer to pay half of bill during state of emergency that we had due to hurricane but they refused. There was no work and no way to print us a check. After thing got better I was forced to get another phone from a different provider. Is this fair not working with the customers during a national disaster?? Gov put laws into place for creditors to work with us
Besides all the other complaints about their bullying tactics, this time they changed the amount they say I owe.
On or about X/XX/2017 I submitted a dispute on a student loan incorrectly reporting to my credit file. The following account was claimed by the credit reporting agencies to have been investigated when all indications say it was not. In the recent past if I disputed an item that company contacted me about the dispute. I have asked the company directly to give me an account status with no response. In a phone contact, I asked if there were contacts from the credit reporting agencies, the answer was negative. I feel that because the business of the credit reporting agencies is to report bad credit they do everything possible to maintain it even when it is unverifiable and incorrectly reporting. Multiple requests for the Method of Verification went  unanswered. 

XXXX XXXX Please remove this file from my report.
This is a complaint against Chase Bank XXXX, XXXX. INQUIRIES DATE : XXXX XXXX AND ALSO XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission
In XX/XX/XXXX I received a phone call from Hunter Warfield in regards to my lease with XXXX XXXX XXXX XXXX.. I was not even aware that the issue was at the agency since XXXX XXXX XXXX agreed on the lease payment and requirements for breaking the lease. 
Since then I have received phone calls From collection agency Hunter Warfield at home, cell phone and work without my permission. I have asked several times NOT to call my work desk. They call Several Times a Day- Everyday Except Sundays. 
I spoke with XXXX XXXX XXXX  via Email regarding the amounts needed to satisfy the breaking of my lease prior to any of this happening ; before I even moved out. The satisfaction details are stated below. 
1 month Rent for the Month I was there- XX/XX/XXXX- {$1200.00}. 
1 month Rent fee for Breaking the lease- {$1200.00} In addition, I would forfeit my deposit- {$3000.00} This is what was agreed upon. I provided XXXX XXXX   XXXX with my new address and never received the final Amounts. The only communication came when Hunter Warfield called me with the amount of {$4300.00} I Have since received 3 letters in the mail and countless phone calls.
This complaint is associated with complaint # XXXX and XXXX. Continental Finance and XXXX XXXX revolving account has not giving me a reasonable answer as to why my payment to this account is not being reported in a timely, accurate manner. I have spoken with Continental Finance/XXXX Credit Card and XXXX repeatedly about this concern. I finally was able to speak with XXXX at extension # XXXX from Continental Finance. He had reached out to the Continental Finance/XXXX Credit Card department that handles disputes, complaint, and reporting agency issues, on my behalf. He followed back up with me today XX/XX/2018 to tell me that XXXX needs to unfreeze my tradeline because any dispute that I have open will cause my file to not be updated. He explains that this is what has happened in the last three months. My disputes in the past has caused the credit card company and XXXX to block any updates to my account. Continental Finance/XXXX has confirmed this issue is due to XXXX XXXX system and XXXX has confirmed that the an issue is with Continental Finance 's system. My account has not been update with my XXXX credit report since XX/XX/2018.
Nationstar Mortgage XXXX XXXX XXXX XXXX Tx XXXX are not provide homeowners with prompt, regular, and accurate information about their mortgage loans statements before XX/XX/XXXXbsince the life of the loan beginning XX/XX/XXXX. Under the new federal rule, which went into effect on XX/XX/XXXX, mortgage servicers must send monthly statements ( there are some exceptions ) that contain detailed information about your payment, delinquency, and who to contact for questions. I have called three times regarding statements not being sent timely. I have to waste printer paper and ink to print my payment coupon. The also have a pending class action suit.
I refinanced my XXXX with my local credit union and payed off account # XXXX with exeter finance on XX/XX/XXXX. I was told the account would show as closed with 30-45 days. This account shows as open with all XXXX credit bureaus still and because of this my credit score has taken a beating. I own XXXX cars with XXXX vehicle loans now which affects my debt to income ratio. Exeter needs to get it together and close this account immediately. Please assist. Thank you.
Experian is reporting a late they say one month old and I have no recent lates they are blocking my ability to dispute on line or via telephone requiring me to order a report via us mail then to dispute in which could take 60 90 days to correct their mistake which is costing me credit approvals as again my score reflects a late when there is none
They call at least 20-30 times a day, using the following phone numbers : XXXX, XXXX, XXXX, XXXX, and never leave a message. This disturbs my work time often.
Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX. The amount is inaccurate because I have paid the balance in XX/XX/XXXX but it hasn't been updated since XX/XX/2018. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, XXXX XXXX
Equifax was notified of the error on my account as soon as discovered. As required by Equifax, a corresponding identity theft report was filed. A notarized copy of the identity theft report ( FTC # XXXX ) as well as notarized copies of my driver 's license and copies of my utility bills were sent last XX/XX/XXXX and again mailed in XX/XX/XXXX to Equifax to update and correct my file. In XX/XX/XXXX, they corrected my file and enabled me to place a Credit Lock on my account to prevent more errors. 

In or around XX/XX/XXXX, the incorrect address was again added to my account ( XXXX XXXX Address ). When notifying Equifax, their representative XXXX found my prior information, but because my account was managed by the Fraud department because of the identify theft report. Speaking with XXXX ( Manager XXXX ), I was informed that they would not remove the address from my file without me sending him another notarized copy of my government issued identification and additional utility bills, along with a new FTC report. 

At this point, don't know how to make sure fraud is removed from my account as it seems impossible to keep incorrect information off.
On XX/XX/2018, stating they referred a debt that was supposed to be discharged in bankruptcy to another debt collection firm, Weinstein & Riley ( WPR ).  I phoned Weinstein & Riley ( WPR ) and was rudely hung up on by a female agent who refused to listen to me as I told her whatever address they have on file is incorrect.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.