WillisBack/dataset-financial-user-claim huggingface dataset:
Experian does not look at any of the documentation I submit. They refuse to acknowledge previous CFPB investigations and will not process any of my disputes. I have tried numerous times to submit information, but because they did not look at the information the first time, I am no longer able to dispute anything. I am completely left in the dark as far as the investigations go. They give me no information. As soon as I submit a dispute, it is instantly ( within 1 minute ) resolved and closed! They never look at any of the information or even request data from the creditor. They just mark it resolved instantly and nothing happens and nobody looks at the files I attach. There dispute system is not compliant with the FCRA and they should be penalized for there blatant disregard to legally allowed disputes under the FCRA. They make it impossible to file a dispute. I have attached XXXX example of them being involved in a CFPB investigation but not doing anything and not doing what they said they would do. They refuse to look at information I have relating to companies fraudulently removing payment information to keep bad data on my report for longer than 7 years from date of first major delinquency. They do not remove items when they are supposed to fall off and you can not dispute them to get them to remove them when they are no longer able to be legally reported. They need to be fined for violating the FCRA for not processing disputes legally and fraudulently claiming they did everything required by law in under a minute. This is the only company that you can only submit XXXX dispute per account over the lifetime it is on your report regardless of the reason for dispute. They say you can, but there is no way to do it.
XXXX/CBNA Account Type : Charge Account Account Verfied : XX/XX/XXXX Date opened : XX/XX/XXXX High Balance {$1700.00} Debe was result of identity theft!! 

Contact with banks has not been resolved
I mailed a letter requesting Equifax verify an item on report via certified mail XX/XX/18 ( i have uploaded an example of the letter ). FCRA recommends 30 days to verify. I requested that the item be verified or deleted. It is now XX/XX/18 and I have not gotten verification. This was the second request made to company as i initially requested deletion due to no knowledge of account on XX/XX/2018 via online. Of the three bureaus one ( XXXX ) deleted as meeting FCRA requirements on XX/XX/18.
Refinanced our home mortgage with XXXX XXXX XXXX. Closed on this on XXXX/XXXX/16. Closing agents sent payments to Citizens Bank to close the XXXX loans on XXXX/XXXX/16. The payoff amounts sent to Citizens were actually higher than the amounts owed on the loans. In excess of {$1400.00} on XXXX loan and {$220.00} on the other loan. This excess was not deposited into our existing Citizens Bank checking account. I called our local Citizens Bank branch office today and XXXX told me that they have the money, they will not put it into my checking account. They will issue XXXX checks to me on XXXX/XXXX/16 because it takes 10 days to process this. Seems extremely unethical banking practice.
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
The phone number being called on the weekends is a business phone. The company is attempting to contact people who do not work at this business. I have requested that the company stop calling twice already in the past week but they persist. The company is Portfolio Recovery and the # is XXXX
There was a duplicate refund issued by XXXX, but later XXXX said they fixed it, but now my prepaid Visa gift card issued by US Bank is still unusable.
yes I have tried several times to settle this mater witht the company as I was paying them insurance in case I lost my job. Instead of the company honoring their end. They are not falsely suing me
Questioned billing and computer error through first and second notice. Received zero to answer my questions under FCBA. XXXX reported my account as delinquent to XXXX with no investigation. A violation of my rights!! My credit score is now damaged due to negligence on XXXX part to do a proper investigation. My credit was perfect up until this fraud and deception took place!
I mailed in a dispute letter to all 3 credit bureaus for Department of Ed/Navient to verify that the account belongs to me. They sent me a credit report with no verifying documents, just saying verified. They have yet to send in any proof that the account belongs to me, instead Navient has made my score drop and my payment history drop. It said one late payment and now it has 8 late payments, ruining my credit and making it hard for me to get approved for things because of this account. Navient took the late payment ( 1 ) off..made it current then changed it back to late and dropped my score 10 points..they did this twice in one day for a total of 20 points! Today I was notified that it changed to 8 missed payments! Their customer service is horrible to talk to, you can never get anywhere so that's why I went the route of contacting all 3 bureaus and they still didnt resolve the issue and instead of navient verifying the account all they did was add late payments and ruin my score more!
I had a health emergency that needed to be addressed. I could not afford heath insurance at the time. I was unaware how this would have a negativeimpact to my credit. I was not offered the opportunity of finacial assistance. Date opened XXXX, 2014. Date filed XXXX,2014.
I received a letter from XXXX Center about a debt. It was original XXXX, In Which I did have a card. When I called XXXX center, to get an explanation of the debt and how did they arrive at that amount I was told they did n't have the information. How can someone asked me to pay a debt but ca n't explain to me how they arrived at that balance.
I had a chase XXXX card. I was offered to " upgrade '' to a " premier visa '' for a higher annual fee. In return, I was offered XXXX bonus points after spending {$3000.00}. I completed the upgrade and spent {$3000.00}, but did not receive the points. When I called to inquire, I was told " I am sorry but our system will not allow us to award the points to an upgraded account ''. When I read the offer, the customer service rep said that they understood because they have received the same complaint from others, but the system prevents them from fulfilling their offer. My issue is that I met the terms and increased spending based on this offer, and now Chase is not meeting its end of the offer, and the customer service rep acknowledges that this is a problem where they are misrepresenting the offer. As a result, I informed rep to cancel my account on XXXX/XXXX/2016 and that I would file a complaint.
I have disputed and ask for documents from Experian showing that I actually owe these accounts, dates, signatures whatever that had on file to justify them reporting it on my file and they have failed to do this. I have called, sent letter and no information has been sent and it 's been over 60 days
All of the following transpired at XXXX XXXX XX/XX/2017 This morning I received and email alert from my account that payment was returned. I immediately contacted them. Was told it was returned as unable to locate my account. I looked and they deleted the payment account information in which I used to pay so the first agent said asked me to verify my last 4 of my payment account and said it was missing a number I asked why I can see this online and he could not answer my question to verify if this was in fact my fault or not. I asked fee to be waived was told no, asked to be transferred to a supervisor and was disconnected in the transfer. I called back but while I was calling them received a call from them to collect payment. The agent DID NOT VERIFY me by date of birth, Social and said I had over balance of XXXX and a late fee with a return fee which I do not. THIS IS A DIRECET violation of FDCPA and will be reporting them to FDCPA also spoke to a supervisor and asked fee be waived she also said she could not verify what account was used for payment ... .so who is lying the agent or the supervisor. I told them all my calls are recorded and I have in fact proven they DO NOT know what they are doing and would pay my entire balance off EXCEPT the {$25.00} returned payment fee and I have done that and now closing account and told them if they report negatively on my credit report will sue and file complaint with FDCPA. Supervisor said in state of Texas they do n't have to identify as attempt to collect a debt, or who is on the phone which FDCPA supercedes state law.
There are inquires that is on my credit report that I did not authorize. They are XXXX, XXXX, XXXX XXXX, and XXXX XXXX
I have been paying back my XXXX XXXX student loans for many years now. A few years ago I made a big push to pay them off, including the loan being handled by Navient. I have spoken to customer service representatives from Navient several times ( in XXXX, XXXX, XXXX & XXXX ) and was always told that extra payments are always applied to the principal and not the interest. Calling Navient is a stressful experience and calls can last at least 45 minutes sometimes ( including time on hold ), so it was and is still not easy to follow up when it seemed like they are not applying my extra payments to my principal. In XXXX, I started writing on my payment stubs and checks that I wanted the extra payment to be applied to the principal, it never was, not even once. OnXX/XX/XXXX Navient received a payment from me for {$6000.00}, with a note requesting the entire amount be applied to my principal. My payment history on Navient 's website shows that of the {$6000.00} they received, {$5900.00} was applied to the principal and {$24.00} was applied to interest. My payment history on Navient 's website consistently shows that, even though the amount due has been {$0.00} for months, my extra payments have never been applied just to the principal, but to the interest as well.
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InXX/XX/XXXXI started making direct payments from my bank account, so I am no longer able to request in writing that the extra payments be applied to the principal ( however in the past I was told I did n't need to put it in writing ). At this time, according to my very careful calculations, I should owe {$3900.00} on my loan, although it may be less based on how confusing Navient 's payment application processes are. According to my statements from Navient, I currently owe {$5700.00}. I do n't understand how so much interest could have accrued when I am making extra payments, which are always being applied to the interest.
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In addition to not applying my extra payments to the principal, Navient does not allow me to make separate payments on each loan, which would allow me to pay off the higher interest loan first. I have requested this option from customer service and they have said they ca n't do that.
I refinanced my  XXXX   XXXX   XXXX   XXXX   XXXX  .That was financed with  XXXX   XXXX   XXXX  in XX/XX/XXXX .In  XXXX , I fell on some hardship after maki ng 26 cu rrent/ok payments.I ended up also, totaling my vehicle.Became homeless for a few months, and was in betwee n jobs.I mad e a payment in   XXXX  .That was n't updated to the Credit Bureaus that    XXXX   XXXX   XXXX     reports to.One  of the criteria for   XXXX   XXXX   XXXX  agreeing to refinance my payment agreement.I had to make a {$100.00} payment towards my previous account  XXXX . Before opening a new account with my new refinanced account  XXXX  .  XXXX   XXXX   XXXX  .is  reporting my account as a  120 da ys past due in    XXXX   XXXX   XXXX  When  I made a payment in  XXXX  as instructed by   XXXX   XXXX   XXXX   XXXX  which  took my balance down.Upon opening the new account  XXXX  that decrease is reflected on the new account.In the C RA manual in which the current  status is clearly defined as a snapshot of the account status as of their last reporting.Which was n't reported correctly or timely to the Credi t Bureaus.  XXXX   XXXX   XXXX  has  a statutory requirement ( FCRA 623 ( a ) ( 2 ) ) to update any prior reporting so as to maintain its accuracy. Their prior cur rent status of delinquent is no longer accurate.My status should be pay as agreed/ok, closed/paid/refinanced to the following Credit Bureaus : TransUnion, and  XXXX .
After disputing items on my XXXX  report I received another alert of reinvestigation updates from Experian. Disputes referencing fraudulently activity within creditor operations and the credit bureau has caused my consumer file to reduce 100 points from XX/XX/2017. 

Experian allows creditor to update not additional information but to fill in additional derogatory statuses from the date account was closed and charged off. Stating they take the Creditors word and have the right to decline reinvestigation
I attended XXXX XXXX XXXX in XXXX, OH from XX/XX/XXXX-XX/XX/XXXX. I had multiple issues finding a job as many others have. When I graduated in XX/XX/XXXX I owed {$41000.00} in loans. At this writing I owe {$39000.00}. It is astounding that in 8 years, I have only reduced my loans by {$2000.00}. The private loans, according to multiple discussions with XXXX XXXX then later Navient, are not eligible for deferment. You can get a forbearance on these loans but you have to pay {$50.00} per loan. And to be quite honest, I am not even sure I signed up for these type of loans. They were not explained to me at all and when I had questions about what I was signing, the financial aid advisor rushed me through the process. I paid {$160.00} a month for five years on my private loans on a graduated repayment plan. I have been paying $ XXXX monthly on my private loans since XX/XX/XXXX and {$130.00} on my federal loans when I could no longer defer them. I want it noted that I have never once went into default with these loans. I want it observed that the total payments I have made on my private loans alone, over an 8 year period and in the evidence I have submitted, is {$15000.00}. How have I paid almost {$16000.00} over 8 years? 
XXXX uses deceptive recruitment practices to lure students into enrolling to receive their federal financial aid. These students receive none of the valuable career skills for which they enrolled in the program and they leave with enormous amounts of debt. Subsequently, they ca n't find a job, they default on their loans, and taxpayers ' dollars are wasted in the process, all while these companies continue to profit off of student loan debt and federal financial aid. Only by my wife and I working together, and the grace of a higher power, we are not in the situation many people we talk to are in. I can not go to a regular school and get an actual valid degree because I simply can not afford to. This whole experience has left a devastating impact on me and I am afraid for my own child to go to college. 
I will not dispute that I owe the government money. I did go to school for two years. But I do believe I was deceived about the type of loans I had and the promise of the career path I chose. It was all lies and I have paid a heavy price for these lies. Again, over 8 years I have paid almost {$16000.00} for my mistake, more if you would like to count my federal loans. 
XXXX built an empire on broken promises and shattered dreams. And they used federal monies to do it. I feel I have more than paid for my degree and am requesting discharge of both my private and federal student loans.
CAP ONE AUTO There are 3 late payments that I would like removed - XX/XX/XXXX {$310.00} - XX/XX/XXXX {$310.00} - XX/XX/XXXX {$310.00}
Amerihome Mortgage XXXX XXXX services my loan. They purchase my loan from the loan originator with an impound account for insurance and taxes in place. My homeowners insurance expired XXXX/XXXX/17 and rather than contacting the insurance company to obtain a bill, they sent me a letter indicating that they are going to force insurance on me unless I sent them proof of insurance. Additionally, they indicated that going forward, every year I must submit the bill to them and proof of insurance. 

When they purchased my loan, they did not reach out to the insurance company to correct the loss payee clause to reflect Amerihome Mortgage, so any updated insurance info is going to the original mortgage company. They have the funds in my impound account, but rather than contact the insurance company on file and pay the bill, they are putting the burden of paying the bill on myself. They are putting the burden of forced insurance on the homeowner rather than properly servicing the loan.
On XXXX XXXX at XXXX I deposited XXXX $ worth of bitcoin witch was {$180.00} at the time I sold it to the USD wallet, At XXXX $ ( witch was fine ) on XXXX/XXXX/XXXX XXXX XXXX I tried to add my bank and when I was answering the security questions it said it was wrong when they were not, I have added my bank before and It worked fine. So then I tried to add my routing number witch then did not work witch was the correct routing number.So at that point I couldent use the money to by bitcoin then sell it to my XXXX then transfer to my bank. I contacted them multiple different times different times the first time they gave me the same answer over and over again I could never get A strait answer and they took my money!
I wanted to set up automatic payment from my bank to pay the full bill every month on my Bank of America XXXX XXXX obtained through XXXX XXXX XXXX. I filled out the form from XXXX XXXX and wrote in that I wanted to pay the full amount every month. When the approval came through I noticed the credit card company was only taking the minimum monthly bill in the future. A cozy way for them to let the balance ride and charge me interest. I called XXXX XXXX, complained and had that automatic payment canceled. The person on the phone sent me another paper application and told me I could also make the arrangement to pay the full amount on line. Well I tried on line but there was no option to pay the full amount every month. On the second paper application there was again no blank to direct paying the full amount every month. Previously I had written in the instruction to pay the full amount every month. Knowing this would not work, I did not resubmit the paper form, nor try the online form, which also did not offer the option I sought. So far I only used the credit card on my first in-store purchase at XXXX XXXX XXXX and have, which I paid by check, but have not used the card since. XXXX has an option for paying the full amount monthly on an automatic basis, which I take advantage of for two Visa cards. I think the failure of XXXX XXXX to offer this option is a sneaky way to keep running balances so they can charge interest.
On XX/XX/2018 I received a phone call from this debt collector at XXXX XXXX  PDT from their telephone number XXXX. In addition she did not even know who she was calling and said the wrong name at first.
I co-signed one of my daughters XXXX student loans, now Navient, and when she became XXXX I started making payments even though they kept applying it to her other loans. I then was laid off from my job and became unable to continue making the payment amount they requested. I offered to pay less but they refused to accept less. They then sent me to collection and ruined my credit which was always excellent. I am now living on social security only and unable to make any payments since I am well below poverty level. I am requesting this loan be discharged and my credit be restored to what it was. Please help.
I tried to link my bank account to a third party so that i can transfer funds but when I tried to link it gave me an error saying that my bank is blocking me from doing so without any reason.
Nationstar Mortgage foreclosed on my house, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX on XX/XX/XXXX. I had multiple times requested Nationstar to provide proof that there was a valid and legal assignment of the Loan from XXXX, to XXXX XXXX XXXX, and from XXXX XXXX XXXX to Nationstar. The document that Nationstar provided, was a forged document, signed by " XXXX XXXX '', as Vice President of XXXX XXXX XXXX. I researched the name and found that XXXX XXXX is listed under fraud alert list of ROBO SIGNATURES. That fake assignment of the document is recorded at the assessor 's office, and that the document with which Nationstar Foreclosed on the house. 

I had hired an attorney, XXXX XXXX XXXX XXXX to sue Nationstar and the attorney abandoned the case, and summary judgment was granted. That attorney was sanctioned by California BAR Association. The case was prior to foreclosure. After the case got dismissed, Nationstar set a sale date. 

Few months After the sale, I received a tax for from Mr. Cooper, suggesting some how I gained $ 100,000+ by losing my house. 

The loan was for {$360000.00}, there was a second loan on the property by XXXX, which Nationstar did not contact, because XXXX is still trying to collect from me. Also The house was sold on XX/XX/XXXX for {$460000.00}, and Nationstar has not paid me any XXXX from the sale, and has not sent me any documentations regarding the sale, or how funds from the sale were distributed. The only thing I received was the tax forms from Mr. Cooper for {$100000.00} gain. The house was again sold sometime in XX/XX/XXXX for {$420000.00}
Back in 2009 I opened up an account with Wells Fargo bank. My mom passed away and i recieved XXXX. My aunty who helped me ipen the account told me that she jus wanted to help me get established with a new apartment. A few months later it turned out that she stole over XXXX from my bank account without my knowlage. I tried to inform the bank but they said it was nonething they could do. They dont understand that she tricked me into putting her on my account. I was never able to gey justice. Please help.
I requested the removal of a bankruptcy that is being inacurately reported on my credit report. It shows the Federal Bankruptcy Court as the resporting party and they advised they do not report to the credit bureaus. Equifax reported they used a 3rd party to verify the information which is XXXX XXXX. I have a security freeze on my account so they could not have " verified '' this information, and it shows the Federal Court as the Reporter of the account.
This is a violation of the FCRA because they are reporting INACCURATE information on my report.
I have contacted Transunion several times regarding inquiries that was not initiated by me. They refuse to remove them. I would like proof of these inquiries. They are as followed : XXXX /XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX