WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted disputes to Transunion in reference to fraudulent accounts on my credit file and incorrect address on my credit file.This has been an ongoing process to clear my name and credit file of the incorrect and fraudulent information and accounts. All I ever receive is that my dispute has been completed but the fraudulent and incorrect information remains. I have submitted numerous disputes, identity theft forms and police report. This has been going on for over a year now and I am beyond exhausted. There is an incorrect address appearing of XXXX XXXX XXXX XXXX, XXXX, GA XXXX that need s to be deleted. There are also several accounts that I have requested be blocked and deleted that were opened fraudulently. They are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX.
The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender closed the review 3 days after receiving the package due to a missing signature on the client profit and Loss statement.
Hi my father passed away XX/XX/XXXX. I was not listed on his bank accounts, nor his mortgage with the XXXX XXXX. This company froze the account on me today. They have been accessing the checking account, giving me balance information and withdrawing money to pay his mortgage each month since XX/XX/XXXX, including today, 5 min later they froze the account due to the federal privacy regulation. They've accessed and transferred {$440.00} each month since XX/XX/XXXX.
I have a Business Gold Rewards Card from American Express. American Express provides customers " Amex Offers '' that are discounts and credits for making certain purchases at merchants. One of these offers I added to my account ( approximately XX/XX/XXXX ) was for {$25.00} credit back to my account if I spent {$120.00} or more on one or more purchases at XXXX by XXXX XXXX, 2017. On XX/XX/XXXX, before making the purchases at XXXX, I went to my American Express account and double checked the offer was still added to my account. It was. On XX/XX/XXXX, I went ahead and made the appropriate purchases ( {$50.00} and {$75.00} ) at XXXX using the appropriate credit card. Four days later I checked my American Express account and noticed that the credit did not post to my account. So I initiated an online chat with American Express, asking them when the {$25.00} credit would post to my account. After 30 minutes of checking, the American Express agent said that the offer was not properly enrolled to my account and I would not get the {$25.00} credit. The agent asked me to provide a screenshot of the offer to prove I added it to my account. Flabbergasted, I asked the agent if Amex now requires customers to take screenshots each time they interact with their account because Amex 's computer system can not be trusted? The agent offered to start an internal investigation into the matter, which would take 6 to 8 weeks. I found this resolution not appropriate. I was transferred to a manager who repeated the same as the previous agent. The manager said he could not manually credit my account the {$25.00} because of policies. I asked the manager if Amex requires customers to take screenshots of when they make changes to their account and said while it is not required, it would be helpful. I told them their investigation is purely away to wash their hands of a computer system error. I said the appropriate resolution would be to manually credit {$25.00} to my account AND make an investigation. The manager also said that when I added the XXXX Amex Offer to my account I should have received an email confirmation. This is further proof their computer system is problematic. Over the last year I have added more than a dozen Amex Offers to my account and approximately 30 % of the time I get an email confirmation when I add an offer ; the other 70 % of the time there is no email confirmation but I do see it online when I log into my American Express account. I ask American Express to credit my account the {$25.00}. From now on when dealing with American Express I will take screenshots of each action I take online. I can not trust them.
Roundpoint Mortgage Servicing ( NMLS ID XXXX ) refuses to apply my payments as directed. <P/>They took over my loan XXXX XXXX of 2017, and after a very slow process to get my loan on-line, I have been attempting to make payments. <P/>Due to their ridiculously slow processing, I made initial principle payment prior to any statement. On my check I stated it was a principal payment. <P/>Since XX/XX/XXXX, I have used their supplied statement to designate how I wish for the funds to be applied. I would include mortgage payment plus additional principle. <P/>When I went to check my account, I found that they had not followed directions at any point during the process. The principal payment was assigned to monthly mortgage payments and the monthly payments were assigned as principal. Evidently, they failed to read any payment slip and just deposited the funds however they wished. <P/>I called numerous times, but was never assisted. I finally, sent an e-mail to their assigned ombudsman in XX/XX/XXXX. The ombudsman corrected the original errors to some degree, but now I find that they have misapplied my funds again for XX/XX/XXXX. <P/>I have contacted the ombudsman again on XX/XX/XXXX, but have not received a response. <P/>Their failure to follow instructions is adversely affecting my credit rating.
RushCard had scheduled maintenance for XXXX XXXX from XXXX XXXX to XXXX XXXX well on XXXX XXXX at XXXX XXXX they stated it would be a little longer and they would fix the system issue well long story short its XXXX XXXX and my funds on my card has been lost and their cutomer service line is down and my payroll deposits and my other deposits are suppose to be on my card on this day XXXX XXXX and i have important bills thats due..it one thing to give a time frame and i prepared for the update but its gone to long and i cant access my online account or anything the website is down and each update that rushcard puts on facebook its a new issue. first it was maintainace now its an outage. well i was able to call my card after hours an check my balance and its not my correct balance. it money missing i cant get in touch with customer service because they are not picking up the phone and on XXXX XXXX at night i sat on hold for 58 mins before i gave up and hung up
I have paid over XXXX on my used car. i was late one month and asked for help. They were the worst people to work with. They were so disrespectful to the point I did not want the car no more due to their disrespect and unprofessional people so I surrendered my car to them. They started harassing not just myself but my co-workers as well. I asked them to email me to have history and they refuse. i even emailed a supervisor and he forward it to someone else and put " FYI-LOL '' which they forgot to delete before emailing me so i seen it. Not professional at all! I need help before i get written up at work for their distractions. Please let me know if i can do anything. They also faxed over a verification of position paper to our office with my signature that I did NOT sign and looks like it an auto copy.
Sorry, your drop downs are not exactly on point. I have a Visa card through Best Buy that is services by XXXX. I  elected electronic statements. These statements do not work with XXXX. Ive notified customer service. They just repeat instructions to me. I am trying to verify that I received a deferred interest charge and I am unable to get this question answered as well. 

They are in conflict with requirements to make the terms of my purchase clear and conspicuous.
The debit is from prior to XX/XX/XXXX. XXXX XXXX from Tate & Kirklin, who is collecting on behalf of The Bureaus, disputed this with me so I requested documentation proving the age of the debt. The only thing they provided was a old credit card statement from XX/XX/XXXX that shows a prior balance and interest owed. 

I called XXXX back to tell him the document has no proof of date of purchase, he replied " I know but that's the only documentation we have ''. I went on to remind him that the debt is greater than 7 years old and he said he knew that and said he told that to The Bureaus. I told him this needs to be removed from my credit, he said Tate & Kirklin can't do that I needed to contact The Bureaus and gave me the phone number. He went on to say he would note in my account again that this item is in dispute due to statute of limitation being expired. 

I tried calling The Bureaus but I can never get a person because their phone lines are always full. Instead, I get a voicemail to leave my name and number for them to call back, but they never call back. 

I find it interesting that these companies can negatively impact a person 's credit but don't have to take any action to correct it in a timely manner once proven wrong. We, the individuals impacted, have spend hours trying to find someone to talk to only to get no where because no one mandates them to follow the law. 

In this case, The Bureaus bought the old debt from XXXX XXXX ( who already sent me a letter stating that the debt was too old to collect and therefore being removed from my credit ). The Bureau then hired XXXX XXXX  XXXX to collect on their behalf but they can't do anything to solve issues so back to The Bureaus I must go. This is a broken cycle of voice prompts, nasty - disrespectful individuals, unethical companies and no resolution to something that impacts ones entire life.
The offices of Berlin-Wheeler ( XXXX XXXX, XXXX, KS XXXX XXXX ) have been harassing me about a debt from a cable company ( XXXX XXXX ) that I last paid on in XXXX XXXX. Pursuant to Kansas law 60-511, the statute of limitations expired in XXXX XXXX.
I cosigned a loan for a nephew which he defaulted on. I agreed to pay XXXX XXXX $ XXXX and have paid between $ 48- {$100.00} per month since XXXX 2010. When they switched their name to Navient they were no longer honoring our agreement and kept calling me daily to try to get me to bring the loan up to date for {$390.00} that I did n't have. They kept threatening to send my loan to a collector. I continued to pay monthly and send extra whenever I could. Last month my father was very ill and died on XXXX XXXX - I forgot to send them the XXXX} but on XXXX XXXX when I remembered I sent them {$100.00}. On XXXX XXXX I received a letter from a debt collector which was dated XXXX XXXX. The original agreement I had with XXXX XXXX was that I would send payment on the XXXX of the month, therefore my payment was n't even a month late. They did not send me a notice. Can they do this to me? I have been paying since 2010 consistently and did not give them any reason to think that I was not going to finish paying for my nephew 's loan. Also, my nephew had another loan that I did not cosign and he told me that he sent various payments and asked XXXX XXXX to apply it to the loan where I had cosigned. They also on several occasions applied some of my payments to the wrong loan. I asked them to send me a full accounting but they refused to send me any information on any payments my nephew made. Do I have the right to audit the XXXX accounts and should n't there be some protection for cosigners so that if the original borrower does make payments that it should go towards the loan that has a cosigner on it before going to the loan that is only under the original borrower 's loan? Please help me, this is n't even my own child and these people have been incredible rude to me. Calling me every single day when I was paying what they agreed I would pay every single month for the last 5 years.
In XX/XX/XXXX I sent Loancare {$200000.00} to recast my loan. The {$200000.00} was applied to my loan on XX/XX/XXXX.  This brought my loan balance to 47 % of the original loan. On XX/XX/XXXX Loancare deducted {$130.00} from my escrow for mortgage insurance. I assumed this might be for XX/XX/XXXX and ignored it. On XX/XX/XXXX Loancare deducted another {$130.00} from my escrow for mortgage insurance. On XX/XX/XXXX I sent an email to Loancare 's support and asked why they are still deducting mortgage insurance when my loan is at 47 %. On XX/XX/XXXX I received this resonse " We have received your recent inquiry in regards to your mortgage account. Our records show that your records show that your recast modification is set to start on XX/XX/XXXX. '' I sent another email telling them that did not answer my question that the recast has nothing to do with my present loan balance. They did not respond. On XX/XX/XXXX I called customer care and the representative told me I needed to send an email to cancel the PMI. On XX/XX/XXXX I sent an email to support to cancel my PMI and return the mortgage insurance funds back to my account. I did not get a reply. On XX/XX/XXXX Loancare deducted another {$130.00} from my escrow for mortgage insurance. On XX/XX/XXXX I called customer care again. I talked with XXXX # XXXX. I asked him if I could talk with a manager to get the mortgage insurance payments refunded. He said I ca n't talk with a manager but he sent an email to his supervisor who would get back to me in XXXX or 4 days. I did not get a response. On XX/XX/XXXX I called customer support. I talked with XXXX # XXXX. She told me it would be taken care of by Mid XX/XX/XXXX. I asked her to see if it could be escalated since I am refinancing. She told me to call back XX/XX/XXXX. I called customer support XX/XX/XXXX and talked with XXXX # XXXX. She told me they were not going to refund the mortgage insurance payments.
XXXX  has been non-compliant with removing the unverified account AMERICAN EXPRESS Date opened XX/XX/2006 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
My wife and I signed a mortgage for a house at XXXX XXXX XXXX, XXXX FL in XXXX XXXX in XXXX. The mortgage was adjustable rate, and in XXXX, the payments increased from the original {$700.00} to {$1100.00}, which we could no longer afford, and we stopped making payments. We were foreclosed in XXXX, the house was sold at auction in XXXX, though that sale appears to have been nullified, but in XXXX a collection agency, RealTime Resolutions began sending us collection notices, and continue to do so. We do not feel that we owe RealTime Resolutions anything, we did not sign anything from them and in our original response to the foreclosure notice, we disputed that the holder of the original mortgage was not the party who filed foreclosure. Our mortgage had been commoditized and resold during the period which led up to the XXXX financial crisis, and XXXX XXXX, which was XXXX of the plaintiffs on the foreclosure, has since been convicted of manipulating the interest rate index which determined the interest rate which caused our mortgage payments to go up dramatically.
I have a savings account with HSBC. I was credited for onl y 1  transaction for a fraud complaint that had more than one transaction. I stated to  HSBC  VERY CLEARLY that fraud occured on my account and I was transferred to the " ACH '' department because the rep insisted I do so because it was an ACH transaction. First, HSBC tries to tell me I didnt file within the 60 day time frame. FALSE. I filed this fraud complaint within the first week I saw the fraud. Secondly, I spoke to  XXXX   XXXX ,  manager  of the ACH department who tells me I need to goto the fraud department.  <P/> A little background on my conversation with  XXXX . First point of contact on     XXXX   XXXX   XXXX      . She proceeded to tell me that  HSBC  was in the wrong and that I would have my credit adjusted that day and she would call me back. No call back. I call on     XXXX   XXXX   XXXX        ( today )  and  XXXX  gives an excuse why she did n't call me after she told me should would no matter what yesterday. Now she tells me i need fraud department? Really? She stated because I said it was fraud from the get go. Then she tells me no, this is the UNAUTHORIZED department. what? unauthorized department? yes
National Credit Systems is unlawfully reporting an account on all XXXX of my credit reports that does not belong to me.In contacting this debt collecting agency to request debt validation for the account ( XXXX apartments ) I was told that the wrong information was uploaded to this account, that supposedly belongs to me, ( that there was information there under this account with my personal information on it, but that the documentation that they have to support it is incorrect and belongs to someone else ) and that they did not have any type of original contract etc to provide at the moment. I was also told by the representative XXXX XXXX XXXX that she would request this information from the said original creditor and to wait a weeks time. I also spoke with XXXX 's supervisor XXXX XXXX XXXX XXXX who also advised me of the same thing, that he would request this information and to wait a weeks time. It is now concluding week XXXX and I have yet to receive and type of documentation. After first waiting for a response, I decided to contact the original creditor ( XXXX apartments ) and spoke with the manager directly who informed me that there was no knowledge of an account under my name. She also stated that if there were, the agency should have it, which again, both the representative and her supervisor stated that they did not but that they were requesting. I then contacted the agency again and was informed by XXXX that there were XXXX request over the past few weeks made by both herself as well as her supervisor, but nothing was ever received. XXXX then stated that she did not know what was going on and that she could only inform me of what she was seeing which was that someone else 's information had been scanned to an account that supposedly belongs to me and that XXXX requests were made to obtain this information but that nothing was ever received. I was then transferred to her supervisor ( XXXX XXXX XXXX who stated that they would no longer take anymore phone calls from me and that I needed to have an attorney contact them, which I find odd since they are reporting me in an attempt to collect a debt which again does not belong to me. XXXX XXXX then disconnected the call while I was still attempting to inform him that this creditor stated that there was no documentation of any kind.
Equifax credit bureau is inaccurate coding soft inquires as hard inquires to remain on my credit for 2yrs instead of 12 months. XXXX XXXX XXXX, XXXX cable and XXXX should be removed from my credit these inquires are consider as soft inquires. All of these companies review my credit was for services to promotional offers with these utilities company. This inaccurate coding of inquires is causing damage to my credit rating from Equifax Credit Bureau and I plead that this would be corrected and remove. I had attach document to support my claim.
Attached to this complaint is all the evidence and records proving that Experian is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting even after I provided them proof. 

An investigation needs to be done regarding Experians abusive and reckless method of verification process. 

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from Experian, A copy of this dispute will be used as evidence if needed. 

The following information is being reported inaccurately, falsely and unfairly by Experian. 

XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 

I don't ever recall paying any of these accounts late/after the due date. 

Attached you will find credit reports pulled by me from Experian on two different dates. The late pay information for the same accounts are different between the two dates. This proves that Experian is reporting the accounts inaccurately. 

Experian is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from Experian 's inaccurate reporting. 

METHOD OF VERIFICATION I would like Experian to provide me the name of the original creditor, the address and phone number of the original creditor, the person at Experian who verified the dispute with XXXX XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If Experian can not send me these simple items, then I demand the accounts be updated to PAID/NEVER LATE. 
I do not consent to e-oscar as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 

Experian must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. E-Oscar can not hold in court as per the noted court cases. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) The XXXX data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This e-oscar model of verification must stop because of the many fraudulent and inaccurate accounts it may create for consumer credit reports! 

At this time, Experian does not need to falsely verify these accounts again. The only acceptable thing they need to do now is to update them to PAID/NEVER LATE immediately! 

I demand to see Experian 's method of verification and the documents they relied upon to verify these accounts at the time of my dispute regarding these particular accounts as per the FCRA.
Received my credit report in the mail and noticed a new collections account added from a company I had never heard of called CFSI. I received notice from them regarding a debt 2 months ago. I immediately sent them a dispute and verification letter 3 weeks before the 30 days were up to dispose, asking for any contracts signed, proof of the statue of limitations, and proof that this debt belonged to me. Afterwards, I never received any other correspondence from them to verify this alleged debt. The next notification I received was it appearing on my credit report. I have not received any services from this company. This alleged debt was added without notification to me and no right was given to dispute it. Not only did they not allow me to verify this debt, this debt does not belong to me.
it's about Ditech mortgage Co, mortgage loan # XXXX. 
In 2013 I applied for personal bankruptcy and was granted a complete debt discharge in Federal court under Chapter XXXX, all my debt was discharged including the stated above mortgage, all documentation was sent by my attorney to ALL my creditors, including Ditech. Ditech refuses to honor the Court orders and refuses to remove my name off the mortgage documents. They are trying to force my husband and I to refinance the whole mortgage just in order to get my name removed and leave just my husband 's name alone of the mortgage. I DON'T HAVE THOUSANDS of $ $ $ to gift to Ditech for just removing my name off the acc. Please explain to me why Ditech is allowed to ignore the Court order.I no longer have any association with this mortgage and I want MY name completely removed off that mortgage, this house belongs to my husband and the mortgage debt should be only under my husband 's name. thank you! XXXX XXXX.