WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX  and Experian refuse to remove invalid accounts off my report have called, written and fax in request and proof that the accounts do not belong to me I ve filed police report and submit ID That affavaid and they still refuse after 4 years to remove accounts that do not belong to me the accounts needing to be removed are 2 XXXX XXXX XXXX ( no monies owed, invalid amount and account status reporting and volition of new public law that went into effect XXXX of 2017 ) XXXX XXXX these 3 items need to be removed and blocked from future reporting.
Wells Fargo continuously calls my mother 's work number every day and leaving messages harassing her for payment.
I took out a private student loan in the amount of {$25000.00} to attend university in XXXX in XX/XX/XXXX. Repayment has been brutal. I have since paid off two vehicles, but my repayment plans for the student loan are brutal. I now work at a non-profit company and do not make a substantial income. However, Navient keeps trying to bump my monthly repayment for over {$600.00}! They harass my retired parents who co-signed on the loan 17 years ago. I have to fight to stay on a reduced apr plan. I have n't even begun to repay principle. Seventeen years later, I still have more than {$37000.00} to pay and Navient has been unable to tell me how much I have paid over the years. It 's a prison sentence.
Firstmark Services http : //firstmarkservices.com/ They received and deposited my check but continued to call 4 times a day for an additional 6 business days. They call 4 times at the same time of the day every 15 minutes. I called and ask they stop calling as my bank statement showed they deposited my check beyond a week prior and they said their system takes " 48 hours '' to remove myself from their call list. So even though they received my money, they continue to harass until their " system '' does some type of " update '' to remove me from the list. Not sure how it 's legal to receive and deposit $ but not have technology built in to notify their call system to stop calling. Is it legal to harass someone 4 times a day when the purpose for their call is no longer an issue? I have all the call logs and bank statements needed. There is no way to remove one self from their automated system. I did NOT ask XXXX Bank to sell my student loan for them. Had the loan since XX/XX/2008 - never had ONE issue until they sold it to Firstmark. They even backdated the payment due date which essentially required me to make a payment to XXXX and then 15 days later immediately to Firstmark. Not sure if I have any consumer protections at my behalf to help with this situation.
Called CitiGroup today to see about getting a lower APR on my Sears credit card. Was told that they could not lower the APR from the current 25.49 %.
XXXX exprian I tried calling 5 times a day. I wrote handwritten dispute 609 letters. Still no removal. This is becoming a hardship on me. 
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Payments are not being applied the same way they were in the past since my loan has been purchased and moved on. ( I have not refinanced )
I am filing this complaint because after reviewing my credit report, I am writing to dispute the following bankruptcy and the accounts included. I informed XXXX, Transunion, and XXXX, and XXXX XXXX that furnishers must include consumer identifiers to include proper name, date of birth, social security number, telephone number and address. Also ( see attached ) XXXX XXXX and XXXX is reporting an incorrect social security number of my full file disclosure report. I would also like to know if you held the furnishers of the accounts below accountable to FCRA law, and if so what procedures were used to determine the accuracy and completeness of the disputed information? 
Please provide me the following information for accounts listed below : The name of the person at the credit reporting agency who verified the dispute with the original creditor The documentation that was used to verify the dispute These include : XXXX XXXX Partial and inaccurate account # XXXX ... showing discharged in bankruptcy XXXX XXXX Partial and inaccurate account # XXXX ... Both of these accounts are showing twice with XXXX with two incorrect account balances {$4500.00} and {$3900.00} Invalid Furnisher showing discharged in bankruptcy XXXX XXXX XXXX Showing four incorrect high balances {$5700.00} and {$2900.00}, {$1500.00}, {$3900.00} XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' ( reporting four times ) Incorrect balances {$760.00} {$1100.00} {$300.00} {$970.00} XXXXXXXX XXXX Invalid account number # XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX  showing discharged in bankruptcy " STATUS INCORRECT ''
EQUIFAX credit bureau has not properly used my identity theft packet to remove or block information reporting on my credit file due to fraud and identity theft. 

I have sent them my law enforcement report, all of my proper identifying documentation, as well as a victim statement and request to remove the account that is reporting due to fraud. 

They have done nothing but send a message to the creditor. 

Equifax states : " the creditor says all information including your name and address are reporting accurately. '' Of course it is! The identity thief used my real information! 

The other bureaus promptly blocked and removed the fraud. Equifax refuses to properly investigate and tells me there is nothing they can do with my identity theft report from the Federal Trade Commission.
My h usband and I are both retired and we did a debt consolidation with One Main Financial b ack in   XXXX  . Our total loan/ cash advances totaled {$75000.00}. To date, we have paid {$77000.00} but their statements still show that we owe {$75000.00}! We requested an itemized statement of all payments, just to make sure our payments matched theirs and it did. We paid roughly {$800.00} a month, every month however, over 90 % went to interest. We asked for an amortization schedule so that we can see how to pay this loan off without bankrupting ourselves. The  manager  said there was none on " This type of loan. '' She further said that it worked like a revolving line of credit, like a credit card. If that is true, why has n't the balance decreased after making steady payments for the past 8 years? They are now threatening to take our home because of this predatory loan.
I recently sold my home in XXXX, XXXX to relocate to XXXX, XXXX. The people buying my home hired XXXX XXXX with mortgage XXXX team as their lender. XXXX XXXX gave me a closing date of XXXX XXXX ( after an extension ), therefore I moved my entire truck into a moving truck that afternoon. Less than an hour before the time of closing, she called and said she was n't ready. We went through that XXXX more times. We finally closed yesterday on XXXX XXXX. I have been living out of a moving truck that is costing me {$100.00} a day since XXXX the XXXX. She did n't even submit the loan to XXXX until XXXX XXXX. I finally decided to call her and ask her what the holdup was. After being extremely rude to me, she put me on hold ( or so she thought ) and proceeded to call me crazy and make fun of me to her coworkers for XXXX minutes. My house was paid off, and I needed the funds from the sale to buy my new house. So I put off my other sale for several weeks. My experience with XXXX XXXX was so bad that my realtor ( XXXX XXXX ) said she would never do business with her again!
XXXX XXXX auto account is settled and the account needs to be updated in all of the credit bureaus. Still showing negative. Please correct this matter. I have been patience now its has to go now. 
Thanks very much Pleased with your help with concern
AFNI Inc was sent a validation request under the Texas XXXX, but failed to provide the required information as required within a thirty day time period. AFNI also reported the account as dispute. It is collection agencies responsibility to cease reporting an account until proper validation requirements are met. AFNI has continued to report this account to the Credit Reporting Agencies but has not provided proper validation of the debt. Texas law provides that this account, not being properly validated within the stated timeframe should be permanently deleted from my credit reports.
In XXXX, after becoming XXXX I could n't keep up with my credit card account and it went into collections and the account was sold a few times. In XXXX a collection agency by the name of Fredrick J Hanna & Associates, XXXX. XXXX XXXX XXXX. XXXX Georgia XXXX tried to sue me for the money. We then when to mediation made a settlement agreement on the account, I paid the settlement making my last payment XXXX XXXX, XXXX I then requested the pay off letter, which I never received even after contacting the XXXX County Court in XXXX & XXXX. The only statement I got from the court was to keep contacting Fredrick J Hanna '' s office because as an officer of the court they could n't advise me on this case. I have contacted my financial institution regarding all payment records regarding this matter and I will be able to get them and forward them when it is necessary. On XXXX XXXX, XXXX I received a notice from my credit monitoring service that Frederick J Hanna has filed a civil case against me for the remaining balance on this old account after I paid the settlement in XXXX. Today is the first time I became aware of the shady practices of this company and the Lawsuit won against them for doing this to several consumers.
I was in middle of buying a home and the title company found a judgement against me that was n't on my credit.
ive asked for a signed contract they will not show me anything signed sends me a list of bills from itr but nothing signed by me. XXXX complaint always same response. want a signed contract from me or removed i dont beliave i have ever had XXXX i have had XXXX for 5 years
calling on sundays 15 times, noted trying to catch up with them one week paid over 900 $ then two days later trying to strong arm me. im a XXXX veteran, I missed some days of work trying to care for my daughter she was beat robbed and raped, then her mother had a XXXX XXXX .I only behind XXXX $ at this time and bout 4500 more dollars left on this loan .I would like for the phone calls to my sister and me to stop and for them to remove my 30day delquinte charge off my credit report cause if u paying on it then it should be removed.
Hello. 
In XXXX of 2015 my business checking account was hacked while I was on a business trip in New York. Someone tried to withdraw money in the amount of {$1000.00} and then {$500.00} from my account. I contacted Wells Fargo about this so they issued me a new debit card and checking account number. After this incident, on XXXX separate occasions my checking account was locked and I was unable to access my account online. Each time I had to call Wells Fargo 's customer service to have my account unlocked so that I could access it and view my account online. This occurred again earlier this year and again I had to call Wells Fargo 's customer service to have my account unlocked. 
I was told that the account was locked/frozen due to suspicious activity. However, no one could explain to me why this was happening and why it was happening so frequently. 

In addition, each time that I called, Wells Fargo representatives pushed getting me into new products. Each person pushed a different product but did not fully explain the costs associated with the products. I was told that opening a particular business savings and checking account that moved money between the XXXX accounts each month would prevent me from having to pay the $ XXXX monthly checking fee. This only lasted a few months and then the {$14.00} fee was being taken out of my account again. When I initially opened my Wells Fargo account in XXXX, the representative who opened my account opened it with the " wrong '' account number which caused some problems. I still have the paperwork from the account was opened with a different account number. 

Since the scandal with Wells Fargo came out last week, I now believe fully that my account was XXXX of the accounts that was affected because of several occassions, {$35.00} fees have hit my account causing checks to not clear and ACH debits not to go through which caused additional fees.
I received a credit card to help build my credit but since then have run into a lot of unexpected expensive repairs. I have not been in the position to make a pynt since. I tried to explain this one one of the 100 's of calls I've gotten from them in the last few months. They call early morning, late day, Sundays, holidays. I do not have a list of times and days they called. I did have but it got thrown away. They called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX @ apr. XXXX XXXX I told them once I got back on my feet that I would try to make pymts.
On XX/XX/2018 I signed an agreement for a Tittle loan from a company by the name of Embassy Loans , Inc. I was never informed that if I can prove that I had insurance coverage for six month from the starting date of the lein, they would never charge me in addition the Amount Paid for Voluntary Debt Cancellation Waiver which was XXXX charged on top of the amount I borrowed XXXX ... once I found out I was wrongly charged for not having insurance coverage for 6 months, I called them on XX/XX/18 to demand an explanation .... I had already made 4 payments of XXXX not knowing that I could have faxed them proof that I did have insurance coverage for 6 months on my car. They are also shubbing 28 % interest rate on this loan which is unheard of ... they scammed me into paying more then I got out of this loan ... I need help, I shouldn't have to pay them if they didn't inform me of the 6 month insurance coverage, they deceived me ...
The above three accounts ( Discover, XXXX XXXX, and XXXX ) appear exactly as attached hereto on my credit report, but must be removed immediately. I have previously written each of the above fake " creditors '' a minimum of six times certified mail about the above accounts, which appear erroneously on my credit report. Under the Fair Debt Collection Practices Act ( and the Fair Credit Reporting Act ) these three companies ' repeated lack of any valid response by itself means that the CFPB should take legal action immediately. In addition to lack of response, the very data from the reports themselves copied above from my credit report all indicate that each account is WAY more than 7 years old, which in and of itself is dispositive. To be clear, these three accounts are not, nor were they ever, in my personal name nor guaranteed by me, and they are also more than seven years old, as the above " re '' notations demonstrate. What apparently is happening is that these companies are Illegally attempting to use fraudulently much more recent dates - the dates when the companies finally unilaterally got around to " writing off '' the amounts owed -- because these 3 companies knew that they could not win a lawsuit because the debts were not and never were mine. In sum, none of these accounts was ever in my personal name or guaranteed by me, all 3 are ADMITTEDLY, by the information provided above, more than 7 years old. 
These companies scoff at federal law and essentially say, " sue us, '' which suit enforcing the FCRA is really the responsibility of the federal government law enforcement agencies, not individual consumers like me. I have written the CFPB before about this matter previously but have not received a response.Whatever the next step is, lets take it!
XXXX XXXX XXXX, as Trustee ( successor to XXXX XXXX ) failed to abide by Consent Judgment entered in XXXX. XXXX. See attached Complaint.
On or about XXXX XXXX, 2016, I logged into my Flagstar Bank checking account online. I searched for a way to transfer funds from my Flagstar line of credit to my Flagstar checking account. ( This would have been a draw on my credit line. ) I was unable to find any way to do this online, so I contacted the bank by phone to request a transfer. I was told that I could only draw on my line by writing checks. When I asked why I could not transfer funds into my checking account, I was told that my checking account had been closed and that I would have to open a new checking account in order to access my line of credit. To open the new checking account, I was required to make a {$50.00} deposit from funds outside of Flagstar Bank. On or about XXXX XXXX, 2016, I learned of a third Flagstar Bank checking account in my name, predating the newly established checking account. I contacted Flagstar about this account and spoke with a different representative of the bank. I was told that the third account had been specially established at the same time as the credit line for the express purpose of drawing on the line. This bank representative had no explanation when questioned as to the earlier requirement that I open a whole new checking account. This made me think of the way that XXXX XXXX employees would trick customers into opening unnecessary new accounts. I recently received my first statement for the new checking account, for the period ended XXXX XXXX, 2016. The statement included a {$2.00} " paper statement '' fee. In opening the account, I was never informed of this fee. I believe this to be a deceptive practice, therefore I have contacted the CFPB.
I had made XXXX balance transfers onto my Chase credit card to a 0 % interest rate for a total of {$15000.00}. I have subsequently been making my minimum payments as well as additional payments to cover my purchases. I recently found out that these payments are not being applied as they should pursuant to the Credit Card Bill of Rights. While the minimum payment is being applied to the lower rate, some of my payments above the minimum have also been applied to the lower rate instead of the higher rate as is required. I should have a balance of {$14000.00} at 0 % now, but instead I have a balance of {$11000.00} at 0 % and {$3000.00} at the higher rate because these payments have been misapplied.
I had a debt of {$29.00} that was in disputed with XXXX that was paid, at least XXXX. The debt occurred around XXXX of 2014, where XXXX said I did n't return a piece of equipment when I left XXXX for XXXX. I did return all items, directly to the XXXX store. I, unfortunately, did not save the receipts on the equipment. That is where the initial dispute occurred. 
I have also called XXXX numerous times, spending hours of my valuable time, being told to call many different and ineffectual departments with no answers. In XXXX of 2014, I received a letter from XXXX XXXX, a debt collection agency for the {$29.00}. I wrote a letter of dispute to them in XXXX of 2014 and I have not received any correspondence from them afterward. 
I eventually came back to XXXX and had to open the account under my wife 's name, as I was unaware that they would not open an account in my name. Since I use XXXX to pay my recurring bills, I paid the XXXX bill of {$180.00}, but, it was sent to the OLD XXXX account number in my name. I contacted XXXX and they would credit the NEW account number for the payment. They did do that, but with the {$29.00} deducted as a past due amount. This would be the XXXX time I paid that amount. The first is the dispute over the equipment. 
I then learned that a new Debt Collections company called Trident Asset Management entered a NEGATIVE entry on my credit profile with XXXX and XXXX for {$29.00}. I again spent hours calling XXXX and Trident to dispute the charges. XXXX, after much time and effort sent me a " Paid in Full '' letter which I forwarded to Trident.Another issue that adds to the complexity for resolution is that these companies change the account numbers so that when we as consumers try to trace the issues backward in time, there are no accurate corresponding account numbers. 
I have spoken to Trident and was told that they did receive the documentation and that they would remove the erroneous entry on my credit profile. I wrote another letter to Trident asking for a " Closure Letter '' and I am still awaiting that. 
I am concerned that Trident is searching through various databases that they have access to that may list outstanding ( paid or not ) debts and sending collection notices to these people, of which I am XXXX of them. I am now resigned to either continue the fight against, who knows how many companies like Trident or XXXX. Even if I give in and again pay {$29.00}, whose to know that this kind of fraud will not continue? I do not see an end to this vicious cycle.
I have had a Home Equity Loan with Wells Fargo Bank. I have made timely payments throughout the duration of this loan. Today I learned from a third party that my Home Equity Loan with Wells Fargo Bank has been converted to a home mortgage in the sum of {$220000.00} with a different account number. A recent home appraisal shows the present value of this home as {$230000.00}. Upon further scrutiny, the statement I have received from Wells Fargo for this month, payment due XX/XX/18, indicates a different loan number with payment being payable to Wells Fargo Home Mortgage instead of Wells Fargo Bank. Last month 's statement simply indicates the usual Home Equity Loan information, so this change by Wells Fargo was made quite recently. 

I have not applied for a home mortgage from Wells Fargo! I have not received any prior notice from Wells Fargo that my Home Equity Loan was being converted to a Mortgage! This conversion to a home mortgage was done by Wells Fargo without my knowledge, without my consent, without my signature, without lawful reason! I have no knowledge as to the terms of this Mortgage imposed upon me by Wells Fargo! 

I spoke to a Wells Fargo officer this morning asking how in the world Wells Fargo could have done this. He did not answer my question.
My business debit cards were stolen from my mail box, my bank had sent my debit cards with ( factory pins ) to my business address, I had no knowledge of this until the day the transactions happened. ( I had no knowledge of this because i still did n't have access to my mailbox, i was waiting for the landlord to give me the key for the mailbox ). I contacted my bank as soon as possible and reported the incident but i was asked to wait until the transactions posted. I had also requested that all the cards linked to my account to be cancelled immediately but the representative failed to do one of them so more transaction posted the next day.