WillisBack/dataset-financial-user-claim huggingface dataset:
Ally Bank Auto,  is currently reporting a charged-off account that I am no longer responsible for. This company has failed to provide me with documentation, that I am responsible for this debt and this company is reporting information that is currently past the 7 year reporting period to all  XXXX  credit bureaus.
On XX/XX/2018, I was issued a loan by WLCC d/b/a XXXX XXXX for {$1000.00}. I have paid {$1000.00} to date and XXXX states I owe another {$960.00}. Per South Carolina ( my state of residence ) payday loan regulations, I should have only been charged $ XXXX/ {$100.00} borrowed. I should have only been charged {$150.00} on top of the {$1000.00} borrowed.
I had an outstanding balance for a medical bill in the amount of {$240.00} that went to collections in XXXX, XXXX. Van Ru Credit Corporation had obtained the debt and seeked payment. I began paying off the bill gradually with a final payment of {$70.00} made on XXXX XXXX, XXXX. Once I made the payment, I received no more letters and phone calls. On XXXX XXXX, XXXX at XXXX ET, I received a call from Van Ru Credit Corporation requesting a payment for the amount of {$70.00}. I repeatedly told the representative that the balance had been paid in full with a Confirmation Numbrer verifying the payment made. The representative had then begun to harass me, completely ignoring that I had mentioned numerous times that I had made the payment. She then completely gave up and transferred me to a Supervisor who then seeked payment for the balance owed. I told the Supervisor 5 Times that I had made the payment and have a confirmation number. The supervisor kept over-talking me every time I said I made the payment. I then told the Supervisor either you accept the Confirmation Number or this call will end. I then gave the Supervisor the Confirmation Number and the call ended. On Friday XXXX XXXX, XXXX between XXXX and XXXX, Van Ru Credit Corporation called me repeatedly 4 Times. I then called them only to talk to another representative. I told her I made a Payment to bring the account Paid in Full with a Confirmation Number. The representative kept saying I still owe the money as she could n't find a confirmation number in my record and that I must pay it or the calls will not end. I asked the representative by request a Letter validating the remaining balance owed of {$70.00} and she kept ignoring my request and persisted in requesting a payment to be made. I then told the representative that By Law, I am allowed to request a letter in writing verifying and validating the debt owed to Van Ru Credit Corporation. The representative decided to say that a letter will be sent. I asked how long it will take to receive the letter? The representative said " When I get around to it, you will get it. ''
Several years ago, I learned of XXXX student loans on my credit report when applying for a home loan. I contacted XXXX XXXX and they stated that I cosigned my ex-wife 's loans. I denied ever signing her loans and requested a copy of the contracts. After many months of many requests, XXXX XXXX sent the contracts without my signature but with an unknown email address and random sequence of numbers. When I spoke to XXXX XXXX, they said that the contracts had been signed electronically with the falsified email addresses ( XXXX separate email accounts ). I denied ever having access to these email accounts and asked how my identity was validated, which I never received a response. Instead, I was referred to their fraud department. 

XXXX XXXX 's fraud department instructed me to file a police report to have my name removed from these accounts. Immediately, I filed an identity theft report with the FTC, police report with my local police department and the police department where the fraud occurred. Neither police department would pursue the case because the majority of the loans were outside of the statute of limitation. Secondly, I was informed by XXXX the detectives that because the allegation of fraud was my ex-wife, the issue was a civil matter, not criminal. 

When I contacted XXXX XXXX with this information, they told me that they would not remove my name from the account without validation of forgery from the police. They recommended that I take my ex-wife to court. Afterwards, I retained an attorney and was awarded an enforcement order against my ex-wife to indemnify me from these loans. During the legal process, the loans transferred to Navient Corporation. I spoke to their fraud department and sent a copies of the the court order and police reports ; signed affidavits from people that could attest that I never used the email accounts used to cosign my name in the loans ; proof of an unrelated document that I discovered my ex-wife had forged my signature ; copies of tax returns to demonstrate false information provided about my employer and salary ; and proof that I had been XXXX and XXXX when XXXX the loans were signed. Navient did not respond. 

After I had received the court order, my ex-wife defaulted on the loans. Consequently, Navient has reported this information on my credit report, resulting in a XXXX point loss in my credit score. This has resulted in revocation of credit lines with my banks. Also, I have been counseled by my employer that my security clearance may be revoked as a result. 

I tried resolving this issue with Navient but they will not release my name from their records. It appears that my only recourse is to spend an additional $ XXXX for an attorney to hold my ex-wife in contempt. Regardless, this will not stop Navient from trying to collect from me.
XX/XX/XXXX, {$1000.00}, Citi Cards , this account was paid and no late payments, it is showing up on my credit report as negative item.
XX/XX/XXXX, {$1000.00}, Citibank , this account was paid and no late payments, it is showing up on my credit report as negative item. XX/XX/XXXX, {$1500.00}, XXXX XXXX, this account had no late payments and I did not used this card for a year the company inactive the account. showing on my credit report as a negative item. XX/XX/XXXX, {$1500.00}, XXXX XXXX , this account had no late payments and I did not used this card for a year the company inactive the account. showing on my report as a negative item.
I have contacted nelnet multiple times over the span of the last month to request a 30 day payoff statement, with my full name, full account number, and a breakdown of my loans on it. Every time I request this, they say it will take five business days and then I receive nothing. I feel that I am being intentionally stonewalled here as they know I want to take my business elsewhere but they know I ca n't unless I receive the proper documentation.
Experian reporting inaccurate information on my credit file. 
XXXX XXXX XXXX has been paid and closed since XXXX XXXX, XXXX. I have filed multiple disputes on this account and each time I file a dispute they update with more inaccurate dates and information. Experian is reporting that this account is just now paid for on XXXX XXXX, XXXX. This is creating negative marks on my credit file.
In XX/XX/XXXX, I discovered that LoanDepot had inaccurately reported me to both XXXX, and XXXX, as being 30 days late for XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, They admitted to me, both verbally, and in email, that they had made a billing error with my XX/XX/XXXX payment, and this had caused the problem. Floor Supervisor, XXXX XXXX, assured me that if I disputed the negative reporting with the bureaus, they would correct the reporting. 

On XX/XX/XXXX I filed disputes with XXXX, and XXXX. 

On XX/XX/XXXX, I learnt from XXXX, and XXXX, that LoanDepot had affirmed the inaccurate information as accurate. 

Since then, I have exchanged multiple email, and made multiple phone calls to, their customer service department. I have received assurances via email, and verbally, that the issue would be resolved, but each time frame of 30-45 days I have been given, has passed with absolutely no change to the inaccurate negative reporting. 

The inaccurate negative reporting by LoanDepot has damaged my credit, and impacts my ability to earn a living.
I took out an education loan back in XXXX XXXX, XXXX which was serviced by XXXX. Over the years, I have had my own personal hardships and was unable to make payments on this loan. There were originally two loans. One of the loans has been deleted for incorrect reportings. The original loan was {$15000.00}. 
After reviewing my credit report I found that the current XXXX was incorrect in numerous ways : 1.  The amount financed is incorrect. They have it as {$16000.00}. It was supposed to be {$15000.00}. 
2. The past due amount is {$45000.00} which is incorrect because it is almost triple the amount financed. This is a violation of my rights. Collection fees can not be more than the amount originally financed. 
3. The past due amount should have been {$33000.00} Not the amount reported. 
4. They have positive payments from XX/XX/XXXX to XX/XX/XXXX. This is incorrect. I requested to have it deleted due to the 7 years being expired and they falsely reported payments in order to restart the time clock. 
I asked XXXX for a transcript of all the findings listed and they were unable to provide them to me. Therefore I reached out to the credit bureau and asked them to investigate and each time they returned the account as being validated, but still never showed me documentation of this accuracy. 
Over the last year, I have opened up several disputes and even called them to speak to them about this. Again, they simply said it was investigated. I have never made any payments on this account since it started in XX/XX/XXXX. 

In XX/XX/XXXX I made two payments for the amount of {$25.00} on the other XXXX account that has since been deleted. What XXXX did was take those payments and apply {$9.00} to the current one in order to keep it running. This is a clear violation of my rights. Again, I asked both XXXX and the credit bureau to send me documentation and it was not done. Each time I contacted XXXX they simply say that they will send it and then they dont. In regards to the credit bureau they simply say the investigation is completed. 
XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : XXXX Amount reported : {$45000.00}, {$45000.00} also said a portion was charged off.
In XX/XX/XXXX I was unable to work due illness which occurred while on XXXX XXXX. I was unable to work and I used my savings to make my mortgage payments. My savings was all used up by XX/XX/XXXX. 

I secured XXXX XXXX XXXX XXXX to handle a bankruptcy on my behalf XX/XX/XXXX. I contacted Loan Depot several times between XX/XX/XXXX and XX/XX/XXXX informing them Im in backruptcy. I was transferred several times from one department to another. Each stating the process was handled by another department. Each call went this way. One customer service rep told me notes were being annotated concerning my backruptcy action in the notes connect with my account. In the notes I gave them the name and number of of XXXX XXXX XXXX XXXX as my counsel. The rep stated the sale action would be stopped immediately. The sale did not stop and my home was sold. My home should not have been sold.
After receiving a letter from my Insurance Agent ( XXXX XXXX, XXXX, NJ XXXX, Phone : XXXX ) warning me of the imminent cancellation of my flood insurance policy due to NON-PAYMENT BY ROUNDPOINT, I called Roundpoint Mortgage Servicing Corporations customer service on XX/XX/XXXX at XXXX to inquire as to WHY my flood insurance policy had not been renewed and was told by Roundpoint 's customer service representative that it would be renewed right away. 

Apparently, nothing was done because several days later I received a letter from Roundpoint telling me my flood insurance had lapsed and they were going to bill me {$2300.00} for THEIR flood insurance coverage. They also erroneously stated my home was in " Special Flood Insurance Hazard Area '' which it is not. I have had Flood Insurance through National Flood Insurance Program and FEMA since 2013 - and XXXX XXXX is the issuing Insurance Agent that is payed the premium. 

So, despite the fact that Roundpoint collected Flood Insurance escrows from me, I was forced to renew and pay for this coverage myself out-of-pocket, ( amount of {$450.00} ) due to Roundpoints failure to renew this coverage in a timely manner. 

I expect Roundpoint Mortage Servicing Corporation to contact ME to rectify any issues with respect to any escrow imbalances or shortfalls that may have occurred due to their failure to renew my flood insurance policy, and/or issue my a refund of my flood insurance escrows that they are holding.
XXXX/XXXX/2016 Original Creditor : XXXX XXXX XXXX ( unit XXXX ). 
Pre Acct : XXXX Amount : {$3400.00} Dear XXXX XXXX I never received a move out report after vacating the apartment on XXXX/XXXX/2016. The total {$3400.00} is totally ludicrous. This amount is being turned over to collection in retaliation of me moving out prior to lease ending due to the way the staff XXXX XXXX and XXXX were or were not handling me and other tenants, and was informed they make the tenants feel, the way they did thing, like they were being embezzled and extorted especially with most of the tenant being immigrants and possibly undocumented by threats it is in the lease that most could n't understand the almost XXXX page document, intimidation and false claims and never returned calls. I asked to many question that they never gave me an answer so I started photo and video documenting issues, damages and possible health hazards in apartment as well as on property. XXXX XXXX were taking advantage of there employer trust for there own personal gain and pasted the personal gain on to the buddies the towing and landscapes service. 

If and eviction was file after XXXX/XXXX/2016, I had moved out and was in a different state working on XXXX/XXXX/2016, it was in total retaliation because I had already move out and they had full control on the unit. I am filing a complaint with the Federal Trade Commission in regard to this collection amount along with photos and video documentations, that is collection be stopped. 

To view photos and video visit link. XXXX. or check out apartments reviews for additional information. 

Sincerely XXXX and XXXX XXXX
I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your TransUnion. in accordance with the Fair Credit Reporting Act, XXXX XXXX section XXXX. 
Bank XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct # XXXX THD/CBNA Acct # XXXX XXXX CARD Acct # XXXX XXXX BANK XXXX # XXXX XXXX BANK NA Acct # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act
My servicer will not give me a deferment or income based repayment plan. They tell me my co-signer can pay it. Why would I do that? I just need a lower payment.
Experian 's upload/dipute system is non-functioning so I ca n't dispute these items on my credit report. 
XXXX, ACCT NO.XXXX has XXXX collection accounts reporting for years reporting a duplicate collection for a single service with slightly different amounts and a single digit difference in the account number XXXX and XXXX dollars.the original creditor is XXXX.Please delete XXXX accounts.
I 'm building a new home XXXX. We have had little issues here and there since day one. A major issue we are having is with the lending company that XXXX uses. There has been several discrepancies to the point where we decide to seek out our own lender to get a better rate. When we spoke with the seller at XXXX he said if we did n't use their title company they would n't pay our closing costs as promised, so we agreed to use the title company along with our chosen lender. We are now days away from closing and they are backing out of their agreement.
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I have a debt in the offices of EOC CCA which is a student loan. I had my Personal Financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with EOC CCA. This was a student loan that is with XXXX. My student loans should be in deferment because I am still XXXX to get my certification to become a XXXX. In this case no one should be contacting me to pay any student loans back until six months after I finish college. 
Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. I have proof that EOS CCA does n't have the right to be contacting me about my student loans because I am still in school and they are not in compliance with Texas Law concerning debt collectors. Please have EOS CCA to prove that they have the rights to collect in the State of Texas. Because I am providing a Texas Debt Collectors Search from the State of Texas Secretary website to prove that EOS CCA is in violation.
I PAID MY MORTGAGE IN THE USUAL FASHION AS ALWAYS ON LINE,,, THIS MONTH FOR SOME REASON ALL PAYMENTS CAME IN TOGETHER AND OCWEN COULDNT GET THEIR PAYMENT..TO AVOID CONFUSION I PUT MONEY IN ANOTHER ACCOUNT OF MY DAUGHTERS AND PAID THRU THAT ACOOUNT ON A TAPED LINE AND THEY SCREWED UP THE PAYMENT BY SUBMITTING IT AS A SAVINGS ACCOUNT NOT A CHECKING ACCOUNT THEY DID NOT INFORM ME UNTIL TODAY THAT THEY MADE THE ERROR AND TRIED TO BLAME ME BUT THEN THEY ADMITTED THEY SUBMITTED IT INCORRECTLY ... THEY TRIED TO GET A LATE FEE FROM ME AND THEN TOLD ME I CANT USE THAT ACCOUNT AS IT WAS MARKED INVALID IN THEIR SYSTEM DUE TO THEIR ERROR..THEY CLAIM IT WILL TAKE A WHILE TO FIX AND IT COULD BE MMARKED AS LATE ON MY CREDIT THET REFUSE TO GIVE ME A TIME FRAME TO FIX THEIR MISTAKE ... THEY HAVE DONE THIS TO ME IN THE PAST
Equifax shared my personal credit information without my consent. Upon checking with the website Equifax set up in response to the cybersecurity threat i was informed that i may potentially have been a victim of the cyber attack.
First, I have other pending complaints regarding some of the same issues which I soon will list below. However, I am submitting this complaint here because Experian 's reason for denying my claims appears that the issues of my complaint were not clear.   In order to clarify my issues/complaints, these are now the current issues  :   1 )   XXXX   XXXX   XXXX  action requested : To remove the Comment " Account previously in dispute-investigation complete, reported by data furnisher.  '' 2 )    XXXX   XXXX  -action requested : To remove the  Status adv isory " This item was updated from our processing of your dispute in  XXXX   2015 . ' ' 3 ) P ersonal statements you 've asked us to include-action requested : To remove the following statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want continue with the security freeze, but I never requested/authorized that statement to be added to my credit report.
The Lien on my credit report with Transunion does not belong to me it belongs to my sister in law with different date of birth and social. Disputed with Transunion and they refuse ro remove.
I have two Walmart accounts : a MasterCard and store card. Both accounts are closed. I noticed several ACH debits from my XXXX XXXX XXXX accounts that did not match up with payments I had made on my credit accounts. I disputed the transactions with XXXX XXXX XXXXwho later said that Walmart MasterCard and store card verified I authorized the ACH debits. I was told my XXXX XXXX XXXX that once Walmart credit told them the ACHs were authorized that they cancelled the dispute. They instructed I call Walmart credit, which I did. The agent for Walmart credit said that XXXX  of the XXXX  I disputed were payments made to my account. They had no record of any account I owned being authorized by me for any credit account I own. However, the representative told me there was nothing else they could do other than have me file a claim for the XXXX dollars of ach debits taken from my bank account through their ACH debits and have those payments placed on my account.
XXXX FAILED TO REMOVE 4 HARD INQUIRIES, CAPITAL ONE DATED XX/XX/2018, AND XXXX DATED XX/XX/2018 AND XXXX XXXX AND XXXX XXXX
This Account was disputed and deleted by the credit bureau ( Equifax ) in XX/XX/ 2018, it was then sold to another debt collector and is being reported again illegally and Equifax has allowed this!
I submitted my information on American Express site and received a pre-qualified offer for XXXX points for spending {$5000.00} in 3 months on the American Express Platinum card. I was approved for the card and started using it immediately back in XXXX. I spent the $ XXXX in the first month, but after 3 months I noticed the points weren't there. I contacted Amex and they opened an investigation but said it could take up to 2 months. I just contacted them again and they are saying I'm not eligible for the bonus because their backend team says that it said on my screen that I wasn't eligible for the bonus. First off, this is completely false as I never saw anything on my screen saying I wasn't eligible when I applied. Secondly, this wasn't a public offer, I submitted information and was provided this pre-qualified offer of the higher XXXX point bonus ( I have attached a screenshot of the offer I received ). I'm completely in awe that Amex would make something like this up to not give me the bonus. They haven't provided any proof, they just make a claim and can pull this off.
Received notification that a Collection account from ACCELERATED FINANCIAL had been placed on all 3 major reports named as XXXX   XXXX, the account went delinquent 30 days or more in XX/XX/XXXXand was never brought current, after numerous calls & even uploading a credit report dated XX/XX/XXXX reflecting the account should be removed as of XX/XX/XXXX, due to First Date of Delinquency. advised after numerous calls the debt was no longer collectible & should be immediately removed to which the suggestion was made they say you owe it, I going to offer you the lowest possible offer I can to get this squared away can you pay {$500.00} & this will be taken care of, I advised I would not as this debt is no longer collectible.I find it disheartening that information can be added to reports just by simply sending to credit bureaus after this my scores dropped 40,29 & 31 points.
I would like to file a complaint against Bank of America. In XX/XX/XXXX, they informed me that my second mortgage, currently a payment of $ XXXX will increase to $ XXXX come XX/XX/XXXX ( this will be over $ XXXX more to budget ). I immediately took steps to try and work with Bank of America, since this increase is absurd and will be a hardship on me and my family. 
After XXXX months of filling out paperwork and speaking with countless service reps to get help, Bank of America informed me that the only solution they could offer me was to short sell my house ; not the better rate or combination of XXXX and XXXX mortgages I was lead to believe to be a viable solution. 
I can not believe that they would treat a good, long time customer like this. I have n't been late or let my mortgage lapse ever.
I have unauthorized credit inquiries on my Experian Credit report Experian XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX