WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
This medical debt is not mine my purse was stokden with insurence cards id and everything in it it has been a used many times without permition
We are not stupid and we deserve the true and treated with respect and make us feel that we have you all to protect our security identity and help us solve an issue like this kind. That believe me is nothing agradable to go thru this. I been robb since XX/XX/XXXX and I already explain you all all the situation. And I send papers information of you tell me to send. My transaction I made I write in a paper and police report send it by fax. And and I take that molestia to call you. Because if I do n't call you, you never call me and inform me nothing, exactly like you never inform about any transaction made it or mail, text nothing at all for my transaction made it. And already made XXXX claims XXXX and XXXX and claim rep. Say everithing was fine so the issue star like XX/XX/2015 thru XX/XX/XXXX. Or XX/XX/XXXX. And my balance was up much more. More than XXXX dollars and you lie to me and refund dates of XX/XX/XXXX so what XXXX???? 
What you make us think? The issue is XX/XX/XXXX since today or the day I do the claims. Not only XX/XX/XXXX. If I explain the Stating issue of feb. And you all telling me lies and when I see the stamens only issue cover on some days in XX/XX/XXXX. With my balance that was XXXX XXXX XXXX XXXX like total of XXXX and you are solving the issue with XXXX? 
I deserve a professional quality of you help. Not life of our situation and telling what was my transaction and with are my balance and deposit and you refund the issue with XXXX. I ca n't believe it.
There are quite a few inaccuracies that i have tried to rectify with all 3 credit reporting bureaus ( Equifax, XXXX and XXXX ). 

1. Mainly being my previous addresses. I have contacted and disputed will all 3 bureaus NUMEROUS times over the past few years and they are refusing to fix it. I have homes on my credit report of which i have NEVER lived, or information that is being mixed in with mine from other family members. I have never lived outside of my county and i have leases to prove where i have lived and how long ive lived there. This is preventing me from obtaining credit and makes me seem unstable. I have even been turned down from a job AND an apartment because of what my credit report showed ( made it appear as fraud ). I called all 3 bureaus on XXXX/XXXX/XXXX to try to update the information again. EAch time i was rerouted, or sent to a special agent that told me that ca n't change anything or remove it because a " creditor '' reported that address. Which brings me to another issue. 

2. In XXXX, for several months i sent out certified letters to each bureau and called each bureau throughout the year. I told them that i did not recognize ANY of the credit inquiries on my report. I was told by a Special XXXX XXXX Agent/Rep that i would have to submit in writing my dispute. I informed her and the other reps that this had already been done. No investigation had been submitted. No one has removed these inaccuracies and once again I was turned down for a credit loan and car loan. This is very difficult for me and I pray this situation gets rectified. It has been WELL over a year and my report remains the same. No disputes or anything further have been filed even though I have called an complained. 

I told them my next step would be to file a complaint with the CFPB, and yet they are very slothful and nonchalant in helping me. I have XXXX children and this is making it very hard to care for them!
I received several letters from XXXX XXXX XXXX in XX/XX/XXXX regarding a student loan debt from XXXX XXXX XXXX XXXX. I contacted them on multiple occasions to find out what debt they were talking about, where the debt originated from. XXXX XXXX  XXXX could not tell me. I asked for a contact number and they would not give me one saying they had the debt now and I had to pay them. In XX/XX/XXXX XXXX XXXX XXXX filed a lawsuit against me on behalf of XXXX XXXX for. I never received a notice to appear. In XX/XX/XXXX, my mother received a court document saying he had to appear in court for this loan ( she allegedly was a co-signor ). I contacted the court because I did not receive a notice to appear. The court clerk told me they had the wrong information for me and that I was in fact being sued as well. In the court document you can see that it states : Upon information and belief, defendants requested an educational loan. That request was received by its servicing agent. The loan was approved, funds were disbursed by a lending institution, and the ownership of the note for the subject loan was transferred to plaintiff. No where in that does it say who the lender was, the original amount of the loan, no contact information, nothing. And yet the court allowed for this to be a legitimate lawsuit. I had to appear in court with my mother on XX/XX/XXXX. The judge dismissed the case with prejudice. As of today, XX/XX/XXXX on my XXXX credit report there is a report of AES/ XXXX which is XXXX XXXX. I have tried numerous times by phone and mail to get them to remove this from my credit and they will not. It states they charged off this debt. They lost in a court of law. And it has been on my credit since XX/XX/XXXX.
XXXX Credit reporting provided outdated and incorrect information to creditor XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX on XX/XX/2018 with whom my wife and I were applying for a mortgage loan. They reported an open account with XXXX XXXX in the amount of {$2400.00} even though I had disputed the information due to this account was paid in full in XXXX of 2018. They also reported incorrect/outdated info for XXXX XXXX XXXX XXXX of unpaid charge off of {$610.00} even though I had disputed this account and had paid this account in full in XXXX of 2018. 

Transunion continues to report the same incorrect info. 

Both XXXX XXXX and XXXX XXXX XXXX XXXX are both paid in full and closed.
Asset Recovery - Tel : XXXX called me and threatened me with legal action ; threatening to sue me for over {$11000.00} and put negative remarks on my credit reports. Threatened to obtain a judgment against me for a debt to " XXXX Bank '' from the " XXXX ''. Claimed I negotiated with them in XXXX - never happened. Never received any documentation. I do not owe this debt and the debt would be uncollectable under the Statute of Limitations. They have my complete social security number so I pulled a copy of my credit report and saw they made an inquiry on XX/XX/XXXX. I am a victim of identity theft and any and all inquiries are very disconcerting.
I went under contract to sell my home on XXXX-2017. Closing date, XXXX-2017. On XXXX-2017, the cclosing attornrey for the buyer sent my release of lender information form to Ditech to get the payoff for my mortgage. Ditech would not release the information to them. The closing attorney contacted my attorney. On XX/XX/XXXX, my attorney 's office was attempting to contact someone to get the payoff information for the next day. No response back. The next morning ( XX/XX/XXXX ) I was to sign my documents for the closing. My real estate agent and myself sat in the office while my attorney again attempted to get the payoff information. They said it would be 24 hrs. We contacted the closing attorney for the buyer and told them we were signed and the form would be there XX/XX/XXXX. They went ahead and signed everything except the final closing document which would be completed when the payoff came. LATE on XX/XX/XXXX the form came with the wrong name on it. We immediately contacted them to have it corrected. They said it would be Monday XX/XX/XXXX. It did not come. On XXXX-2017 my attorney called them and had to get a little nasty with them and they then told him it would be 10 days. This sale is needing to be completed and we ca n't get the payoff information.My attorney asked to talk to a supervisor and the legal dept and they would n't let him talk to either. Its been a week that we have n't been able to close. We need help please.
Equifax Database Breach Announced XXXX XXXX 2017 My personal, private information was compromised due to a lacking in their security. 

XXXX XXXX XXXX
servicing and paying back a student loan i entered inadvertently when i just arrived the US XX/XX/XXXX/XX/XX/XXXX,  and was notified of it when i arrived with plans to further my education. But i have been unable to get access to my credit score or i dont know if the debt been serviced is preventing me and other companies like phone companies etc from seeing my credit score so as to easily enter into payment plans. I dont know how long one has to be in the country to have usable and effective credit reports since almost all services and purchases as well as automobile and housing deals with credit score systems. 

Please advise me on how to get this settled. Apparently, there are alot i am yet to understand or know fully with regards dealing with consumers and companies generally. Expecting your reply as promptly as possible. I have moved like 4 times since XX/XX/XXXX, stayed in one location in XXXX XXXX. Since arriving XXXX in XX/XX/XXXX, this is my 3rd address. My new Social security card has just been mailed to previous address in XXXX. Please what do i do? 

You can reach me via phone as well XXXX and or email.
I recently reached out to XXXX to help me with loan consolidation. They took advantage of me not really being well educated on the matter and got private information and an upfront payment for services. Upon further research that night, I discovered I could do that for free and that it 's a scam to take money upfront for loan services. I reached out to my credit card company to block payments and dispute the charge. I proceeded to reach out to the student help center where they gave me the run around to get in touch with compliance to cancel the service. I have left voicemail and emails to multiple departments with no response.
Closed XXXX account bundled with XXXX DSL Internet Service. Returned XXXX equipment, however XXXX indicates that equipment was not returned and has placed account for collection. Repeated attempts to collect on debt that is not owed due to proper equipment return process.
WELLS FARGO ( the   XXXX   that they are ) outsourced their collection to initiate foreclosure on a reverse mortgage while working with the deceased sibling knowing that the legal process to become a personal representative of the deceased had been initiated. The outsourcing to an attorney in  XXXX  Arizona created a {$2200.00} increase added to the payoff.  Had Wells Fargo gr anted an extension requested by the sibling and waited the allotted period after the death of their client, the sibling would not have incurred the additional fee s. Wells Fargo is no one 's friend and does n't care what circumstances arise. If any one person does n't adhere strictly to their dictatorship, Wells Fargo will kill you off slowly with their   XXXX   tactics.
For several years now I have been getting collection calls for XXXX XXXX. I have repeatedly told the collection firms that I am not XXXX XXXX and to stop calling. The calls stop for awhile and then start up again. I have had calls for XXXX XXXX as well. 

The current firm has called me and now sent me a letter which I have attached. I am tired of playing this game with these folks.
On XX/XX/2018, I visited to XXXX XXXX in XXXX XXXX MD to check out a vehicle I wanted and get a purchase order from them. I went in already having financing from my credit union. While at the dealership the salesperson had me to do a " hold contract '' ( which required an application with my social security number ) to hold the vehicle for me granted that I made a down payment that day then once I came back with the check from the credit union they would void the " hold contract ''. I only authorized XXXX XXXX to run my credit for the sole purpose of the " hold contract ''. But since then, I've been getting credit notifications about multiple hard inquiries being made on my credit report that I haven't authorized. Those hard inquiries include : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX all of which I didn't not authorize.
I need to file a complaint On behave of XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In regarding to your response to the CFBP on XX/XX/XXXX You CRM has ceased a collection activity regarding this matter and A fraud packet will be mailed to me to be completed and returned. However I beg the differ on your behave! On Friday I received a letter from Credence dated XX/XX/XXXX stating that they had verified this debt. see attached file. all I got from this company is a list of TV Channel 's and some prices typed on plain Paper So it's clearly a lack of Communication at your office. What Info this company sent to me is not the Proper way of validating a debt Per the FDCPA. Your office have had 30 days to send me a proper debt Validation and you have failed to do so. Therefore I will Not Talked to your company any Further! If you have put anything On my credit reports about this Matter I demand it be removed ASAP. Due to the None Validation of this account! I will take legal matters to its Fullest! 
THANK YOU XXXX
My car was declared total loss and my insurance paid to my lender $ XXXXand I paid for a Gap insurance and it has to pay the rest of my balance which is {$800.00}. My Lender does n't want to cooperate with the information requested from my Gap insurance and it wants me to pay for a car that was declared total loss.
TD Bank has continuously ignored our emails regarding their mortgaqge processing errors resulting in incessant delays which pressure us as the proceeds must be redeposited in a Roth IRA within 60 days to preserve tax benefits. 
At closing today errors still remained but we were forced to sign as the 60 day window is imminent. In addition we were informed that proceeds would not be paid until Monday XX/XX/XXXX because they specified a Date of Saturday XX/XX/XXXX which is a non business day. Their closing attorney told us we had no recourse on this because " it was a refinance '' We subsequently found this to be incorrect by consulting the CFPB web site.
I have paid an apartment complex directly on XXXX/XXXX/2011 and was given my receipt and a signed letter by the property manager stating that they received payment and my balance was XXXX. The company was changed management several times and lost paperwork and so forth and yet IT HAS NOT BEEN REMOVED FROM MY XXXX CREDIT CREDIT, WITH ABSOLUTE PROOF I PAID prior to it going to collections. THEY ARE DELIBERATELY NOT DOING THEIR JOB AND BREAKING THE LAWS THAT ARE IN PLACE FOR THE CONSUMER. I have disputed over and over again and they still have not did their job with irrefutable proof. I would not have a receipt or letter from the collection agency since the apartment complex was paid 5 years ago and was called XXXX XXXX. So therefor my receipt was given to me from the property manager of the complex I previously resided. I made a complaint to my XXXX XXXX as well as FTC.
I tried to get a car on XX/XX/XXXX and XX/XX/XXXX from two different delaer ship. They were asking for my original social security card which i had in XXXX. I moved here to XXXX. They told me the reporting agencies can't verify my social and also the date of issue and considered me as a fraud.
My initial complaint was case number XXXX. 
I tried working with Ally - I wrote the Credit Bureaus - I attached a copy of the reaffirmation agreement for the car - but they are still illegally reporting that the car was included in a Chapter XXXX - yes, it was included - but we reaffirmed and PAID the agreed sum outside of the court. I can mail you the affirmation agreement, like I did the credit bureaus. Pls provide me your mailing address. I can not scan documents. I want to know why Ally Financial can still continue to report this erroneously on my credit report and my husbands without repercussions.
I applied for a Sam 's Club store credit card, but received approval for a Sam 's Club Master Card. I do not want a Master card for Sam 's. I spoke to several people at Synchrony Bank XXXX XXXX ) and was told that I could not have a Sam 's Club store credit card because Synchrony Bank no longer issues them. According to Synchrony 's website, a Sam 's store credit card ( for use at Sam's/Walmart only ) is offered. Since I was only offered the Master Card for Sam 's Club, I canceled my application. I do n't want a Master Card. If I did, I would apply for XXXX. It makes me very angry that a bank, any bank, would force me to have a type of credit card that I do n't want, just to be able to shop at a specific store. I have sent a copy of this message to Synchrony Bank and Sam 's Club.
I was told I had a phone services and I haven never had these phone services. I currently have XXXX and been with them for over XXXX years.
On my XXXX credit report there exist two hard inquiries by ( BOA ) Bank of America dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I contacted ( BOA ) spoke with a representative and requested a letter of deletion. They said NO because I requested a credit line increase and the inquiry was valid. It was never disclosed to me at the time of my inquiry that a credit report would be pulled ; and when I asked for proof of said I was told " they can not provide this information to me. I responded by saying " I have a legal right to this information ''. I was agan denied ; and was told that a complaint would be filed. I the spoke with a supervisor who said " They do not have a scripts that require them to inform customers nor are they required to because it is in there terms and conditions. I responded by asking where?, because I could not find this in there terms and conditions. I am affirmed that this encounter was deceptive and violates my right in making an informed decission. My right to disclosure at the time of said is without parallel.
Wells Fargo credit card services closed my account on XX/XX/XXXX, because of late payment on one of my other credit cards. I spoke to them on XX/XX/XXXX and they refused to give me my rewards that I earned through there credit card. It was about {$1200.00} dollars worth of rewards that they owe, and the person who I spoke too refused to give those rewards. They said the only way to get those rewards was to reopen that account. I spoke to someone in customer service about reopening my account and they said that the account is permanently shut down and would and be reopened and the rewards are therefore forfeited.
The credit bureau is refusing to delete two collection accounts on my credit report that are not mine. The first account is with " XXXX XXXX XXXX '' for {$3800.00} with account number # XXXX. The second account is with " XXXX XXXX XXXX '' for {$1400.00} with account number # XXXX. I have spoken to representatives at both companies and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.
XXXX XXXX, XXXX Navient manages a series of federal student loans I took out during college. I 've spoken with their call center ( located in the XXXX XXXX multiple times as I prepared to pay off the loans that were un-subsidized and at a higher interest rate. After considerable financial planning, I took my inheritance from my mom and very, very clearly instructed Navient over the phone to pay my highest interest, XXXX  loan in full : {$4700.00}. 

Because of the emotional attachment I had to this inheritance from my mom, I was extremely careful and extremely clear and talked to three clerks at the call center before finding one that undoubtedly knew exactly what I was asking for, and she confirmed that we could pay for that single loan without a problem and she told me by phone that I had paid the loan XXXX XXXX XXXX in full, and would get the official letter confirming this loan had been paid off. 

Although I believe the clerks intentions were good, when I reviewed the emails, paperwork, and online account information on my payment of {$4700.00}, I discovered that Navient had distributed the {$4700.00} across all of the loans - most of which went towards lower interest loans, subsidized loans, and loans that qualified for forgiveness. They did not follow my instructions and did not do what we had agreed upon. I think they did this on purpose because I was making a wise financial decision by paying off my worst loan first ( it was not consolidated - so it was not part of a grouping of loans ). It really appears that they lied to me in order to charge me more money in the long-term. 

I am worried that they will not fix this - particularly since the only record of my request would be their recording ( I did not record the phone call - but I will record all of my phone calls with Navient from now on and will let them know I 'm doing so at the start of each conversation ). 

My mom worked so hard to save that money, and I have all these memories from childhood of her leaving at sunrise for work and not being home until late ... she wanted to help me go to college, but because of life 's misfortunes she could not. She left me that gift when she passed on, and I was trying to use it for what she would have wanted - my college education - and Navient disrespected that by trying to make more money off me by distributing the payment across loans instead of the one we agreed upon over the phone. 

I really worry about other people in a similar circumstance as me, but who are n't keeping detailed records and who do n't have time to double checking that what Navient does matches with what they said over the phone. What they did to me was an easy/deceitful way to make me owe more money for a longer amount of time. 

Thank you for bringing attention to this. My biggest concern is that this was not a mistake ( because I 'm sure the clerk and I were on the same page ) - but part of an organized effort by Navient as an institution to charge more interest and make more money by not following the instructions of those that try to pay off higher interest unsubsidized student loans first.