WillisBack/dataset-financial-user-claim huggingface dataset:
Date ; XX/XX/2018 EQUIFAX I called to find out about credit report I was told that I needed to fax documents that show and state my identity I did this on the date above I called the same day to check to see if it was received I was told by a female CSR it would take 48 hrs for my information to be put into their system I told the CSR that I would call back on Monday XX/XX/XXXX so that it gives them sufficient time I called back today Monday XX/XX/XXXX I spoke to 2 CSR 's before I had to request a SUPERVISOR I was told by all of them that I have NO CREDIT I am not in their system yet I applied for a HOME LOAN and my LOAN PROCESSOR can not get my CREDIT SCORE which is odd because 2 other credit report companies had my information for my LOAN PROCESSOR to obtain I was even told that my documents were not received I tried making an account via the CREDIT REPORT COMPANY WEBSITE It booted me to another CREDIT COMPANY in which it had me fill out my information and I was able to print my CREDIT INFORMATION I called back the CREDIT REPORT COMPANY and I explained what happened and that I wanted to START A DISPUTE I was told that I couldn't because I was not in their system which I have repeatedly told them that was odd if I have 2 CREDIT REPORTS FROM 2 different CREDIT REPORT COMPANIES The CSR 's kept asking me if I have CREDIT and I kept telling them YES ' This has caused a lot of unnecessary stress This is effecting not just me but my family This CREDIT REPORT COMPANY Is very unprofessional and everytime I tried to explain something to them they talked over me All I want is this to be fixed I was also told to call my CREDITORS and tell them to forward my CREDIT STANCE to them which is odd because all CREDITORS SEND INFORMATION to CREDIT REPORT COMPANY 'S my CREDIT should be in the system
I was asked to have wet signatures provided and on the contract and XXXX XXXX removed. I had all parties resign all pages and remove XXXX and initial the removal, then I was told that wasn't good enough and to remove mention of his name completely, I did that and then was told to remove mention of his name all together, I did and then was told to have all parties initial next to the changes, even though that was already done the first lien. The document correction request have been all over the place and although the details appear to be specific they have not been making sense and I have requested specific explanations many occasions to make sure this was right to not get the information needed. Had I received specific understanding of what was needed I would have been able to get it done on the first shot rather have to go back and forth to the parties asking for more and more corrections ensuing stress on everyone. IT took 94 days for Bank of America to even get the short sale open in the first place because they kept asking for other ambiguous documents instead of streamlining the short sale review as they should have in the first place to avoid loan mod review since the property is not owner occupied. I want to see this file move forward and willing to do the corrections I just need to know exactly what is needed so I can get this done and the file moving forward. I would also like a reasonable amount of time to get this done considering all of the nonsense Ive endured the past two weeks causing delays.
I am disputing a collection debt from JH Portfolio Debt EQ ( Acct. # : XXXX ) that I discovered on my credit report without being notified from the creditor. I am now in the process of disputing this debt with the Credit Reporting Agencies and with JH Portfolio Debt EQ. This collection agency has also illegally re-aged this account according to the original creditor 's date of first delinquency. The original creditor is XXXX whose debt I 've already successfully disputed. Because re-aging accounts is a serious offense under the FCRA, I am reporting JH Portfolio Debt EQ to you so as to warn others about the illegal practices of debt collectors.
It started on Monday XXXX I received a message from my father 's ex-wife 's daughter frantically telling me a company was contacting her concerning a claim against me. The next day I get another message they called his ex wife and told her the same. Mind you they 've been divorce over 12 years. The same day I get a call from my mother claiming thw same thing. So I call and am advised I am being charged {$920.00} for a payday loan from Advance America from 2 years ago including interest and legal fees. I was told I would be taken to court and or arrested and possibly garnished if I did n't conform. The terms were 4 months at approximately XXXX monthly I obviosly do n't have that. So I told them I would call back because of not by XXXX that day they are going to take legal action against me. So I called back told them I can not make the payments I ca n't afford it. I was advised that can bring it down to {$110.00} per month. It was the only thing i could do to get them off my back and have them to stop calling and harassing my family. I can not afford these payments, if I made more money maybe I could. But I do n't and I ca n't make the payments at this time. I saw your company on tv and thought I 'd give it a try.
I wrote and mailed a debt Validation certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. They responded with a contract that was not signed by me. As you can see they forged my signature and copy and pasted on the form attached. The address they have listed for me I never lived at that address and was with XXXX in XXXX. So this is not proper proof saying this debt is mine. I reached out to the company twice on XXXX and XXXX to remove this from my credit reports and was denied both times. My next step it to star litigation against XXXX XXXX XXXX XXXX.
I am filing this complaint because Equifax has continued to ignore my request to provide the documents that they have on file that was used to verify the accounts I disputed. Being that they have exceeded the 30 day mark and can not verify or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
This debt appears on my credit report by a third party lender. I initially requested to know who the loan originator was and denied that information. I have requested to have this information removed as the account has been added to my debt consolidation loan in XX/XX/2015. Once my loans were consolidated it should be a violation of my rights for them to continue to report it. I have contacted XXXX/ XXXX/ XXXX regarding my student loan and I have disputed it with the credit reporting agencies ( XXXX, Experian, and XXXX XXXX ) and the student loan companies are stating that the information is accurate and refuse to remove it from my account. XXXX XXXX XXXX told me that they have no accounts associated with my social security number. When I have them dig deeper they find accounts that are closed, paid in full. However ; they still appear on my credit report as a negative. When contacted, they told me that even though they accepted full payment and closed the account, the missed payments continue to be negative on my account. XXXX XXXX has my student loans in debt consolidation and it shows in good standing on my credit report. What is the point of paying off any debt if you have ever missed a payment? Companies can do whatever they want to consumers and it's basically too bad.
First of all I DO N'T owe ANY debt to Central Financial Control, don '' t know who they are, and have NEVER signed ANY agreement, or contract with this organization!!! Furthermore, this type of extortion shakedown conduct is illegal, and against the law per the F.C.R.A. 
Until Central Financial Control can provide me, XXXX XXXX XXXX XXXX with the ORIGINAL signed contract agreement with them that created this erroneous debt, also providing signed documentation they have the right to collect ( extort ) this erroneous debt they 're claiming in addition, to providing a itemized accounting of how it arrived at the erroneous total amount including any interest, and fees added to the suppose erroneous extortion original amount. I have I requested the above mentioned proof in writing XXXX/XXXX/16, and per the F.C.R.A. NO collection action is to take place until the above requested documents have been sent to me, which they have NOT.
My mortgage raised my monthly payment. XXXX furnished a statement on XXXX/XXXX/2015 showing an interest rate of 2.625 % and a notation that the Interest Rate is good until XXXX/XXXX/2015. Then the following month they sent another statement dated XXXX/XXXX/2015 that raised my interest rate to 2.75 % and a notation that the Interest Rate was good until XXXX/XXXX/2015 and increased my payment from {$1400.00} per month to {$2500.00} per month. 
I called the loan servicer to let them know of the error and they told me to disregard the XXXX/XXXX/2015 and to make the payment {$2500.00}. I told them they were the one that generated the statement and they said to again disregard the XXXX/XXXX/2015. They did not want to help in this matter and again, just stated to disregard the XXXX/XXXX/2015 and make the new payment. I feel that Nationstar Mortgage should be consistent in their notifications.
Equifax is not responding to any of my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.
Allied collection service has been contacting me regarding an {$1600.00} XXXX XXXX bill that was settled XX/XX/2017 for the amount of {$1000.00}. The account was settled with XXXX XXXX XXXX now known as XXXX XXXX XXXX. I contacted both companies trying to get a receipt or proof of payment mailed to me I've been told that I will receive something in the mail. I've been waiting for over a year for the proof, the only proof I have is my bank stamen which shows the payment for the amount and the companies name and number. I took the stamen to XXXX XXXX  and they told me that it wasn't enough. I also have my policy numbers so if its possible please help this has caused a negative impact on my credit.
XXXX XXXX XXXX charged off my second mortgage in XX/XX/XXXX and then continue to report 150 day lates in XX/XX/XXXX. From the date they charged off the account from their books they can't report lates beyond that date. I am retaining an attorney and they advised I submit a complaint to the CFPB prior to us taking legal action so they have the opportunity to correct the illegal reporting prior to litigation. See the snapshot of my credit report that I attached.
Key Bank failed to deliver funds by the " guaranteed date '' to a payee from my checking account.
On XX/XX/2018, I had a loan balance of XXXX XXXX XXXX XXXX and XXXX XXXX dollars, XXXX cents with XXXX XXXX XXXX in which paid off in full. But for the past two months, there has not been any update to my credit report with any of the three credit bureaus as to my loan been paid off. I reach out to XXXX XXXX XXXX  on many occasions to inquire about the inaccuracy on my credit report, but I was unsuccessful in getting the issue resolved with them.
XXXX has been non-compliant with removing the unverified account CAPITAL ONE AUTO FIN Opened Date XX/XX/2014 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CAPITAL ONE AUTO FIN 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.
XX/XX/XXXX Spoke to a rep about high interest rates and minimum balance fees.

XX/XX/XXXX noticed discrepancies with my account..

this problem has been on going for months..

back-end system manipulated fees being charged to accounts.. later embedded as " interest fees '' the numbers just do n't add up!! and someone is walking away with tons of $ $ $ $ $
I have been attempting to adjust my payment plan with Navient due to economic issues and being unable to make the current payment amounts consistently without severe hardship. I have repeatedly spoken with Navient representatives about lowering the interest rate, extending the duration of the loan, having a deferment or forbearance, etc. though each time the Navient representative quotes a repayment plan with a higher monthly amount. 
I received a letter from Navient stating that if a payment is not made by XXXX XXXX, 2016 then I will default on the loan., and they will pursue civil litigation options. Navient has contacted me every 1 to 2 hours by automated phone calls since the XX/XX/XXXX ; have been calling my family stating that " I listed them as a reference '' when I did not, ; and they have attempted to obtain my employment information from my employer by faxing a request to verify my income/employment status. However, there is no legal judgment on the loan as of this date ( XXXX/XXXX/16 ), and I did NOT give them permission to contact ANY of my family members ( except for my spouse ) or contact my work to verify employment status.
Super high interest, just borrowed {$750.00} loan, i pay them {$240.00} twice a month, every payday and the rates super high n it will come up to almost {$3000.00} for the whole duration of the loan, its yoo much .. 
Name of company Zocal Loans
I have a credit card from Citibank for 11 years now ; in XX/XX/XXXX I requested a credit line increase and when I did they switched me to paperless billing, so I did not receive a statement XX/XX/XXXX. 
By the time I realize it the payment was late and Citibank charge me a {$35.00} dollar fee and raise my interest rate from 11.99 % to 29.99 %! 
I then contacted Citibank and they reduced the rate back down ; however, even if I was at fault it 's incredulous for them to raise your interest rate for minor violation, but the reason I 'm taking the time to file this complaint is the egregious tripling of the interest rate ; even if I were a poor performing customer with a low credit score, it should be illegal for them to TRIPLE anyone 's interest rate.
American Capital Enterprises , Inc. said I owe a debt for my son, As I have no sons, I am confused. I do have XXXX daughters, but XXXX of them were at or over the age of XXXX at the time they are saying the debt occurred, so I would not be responsible for their debts. 

They also said they did not have my address, even though it was part of my last complaint. For the record, my mailing address is : XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

I request # 1 proof that this is my debt with my signature, # 2 proof that this debt was assigned to them and # 3 proof that this debt can legally be assigned and collected by a 3rd party ( again, I need a signed contract showing this ). If this proof can not be provided, they are in violation of the fair credit laws and reporting such a debt on my credit report is illegal. 

Also for the record, I am disputing this debt and all the legal responsibilities and rights that go with this need to be enforced by American Capital Enterprises , Inc.
I received a call from United Collection Bureau in XXXX Florida. They continued to call my cell phone, and then called my neighbor. I was threatened and told that not only would they take legal action but they would see my husband was XXXX. This was on a XXXX account - When I looked up the company it talked about scams, and that one of the owners XXXX XXXX is a horrific person to work for and pays people off
i had a loan with Banco Popular De Puerto Rico, loan # XXXX, after the Hurricane Maria I request a moratorium of payment and the bank in a letter dated XX/XX/XXXX grant me another 3 month of moratorium, they explain that I have to pay beginning XX/XX/XXXX and if I request they can work a loan modification. 
when originate the loan my investor was XXXX XXXX, this investor provide to move as a loan sum the unpaid month. in XXXX I call BPPR for start the modification process, the first inconvenient was they told me my investor is XXXX XXXX and they only can provide me with an extention up to 40 years ( my mortgage have been paid for almost 15 years so far ) when I complaint about this BPPR tell me they wont work any modification because they sell my loan to XXXX XXXX.

I request to XXXX XXXX to confirm by letter they are the new investor of my loan. I receive from them a letter dated XX/XX/XXXX explaining they are only a servicing provider they are not an investor.

Banco popular lie to me, they refuse to work with me a modification of my loan, now they new servicer treat me to make negative revision in my credit and they billing me other fees not explained reaching the amount of 10,000. + dollars. 
I visited the servicing offices of Banco popular in XX/XX/XXXX trying to solve this and avoid my loan to be sell to select portfolio. they do nothing only send me a letter dated XX/XX/XXXX confirm my petition and a resolution will be receive the next 30 days and that never happened.
XXXX customer service would not help and take care of the negative inquiries reporting to your credit report that were not submitted with my approval or permissions. Unauthorized inquiries : XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I am being continuously called by a company called, " Financial Freedom Mortgage ''. I have never applied for anything on line, NOR have I asked for help paying bills. When I called them today, the woman was telling me that I HAD TO HAVE FILLED SOMETHING OUT on line. I called back and asked for the manager, and the woman XXXX, who answered the call, said she WAS the manager. I asked her how they got my number, she said I filled something out and supplied it to them. I told her someone must have supplied the wrong number and I told them TO STOP CALLING ME. I am on the " do not call registry '', so they should not be contacting me. Their phone number is XXXX.
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
This complaint is against, XXXX, XXXX, and Experian. 
Problem # 1. All three credit reporting Agency refused to remove a negative account with XXXX, after so many attempts explaining there account was paid in full at the time I terminated my service. 
All three credit reporting easily take side with XXXX, choosing to not give my dispute any type of credibility. 

Problem # 2, All three credit report Agency, XXXX XXXX and Experian continues to report an old account that was in collection as still being in collection even after the fact it has been settled by the owner of the account. I was a co-signer on the account to help a friend get for a rental properties, but the signer of the account settled the account and paid in full. 

Problem # 3, All three credit report Agency, neglectfully assessing my three digit credit score number below 680. I have over {$110000.00} Credit line, with only a 10 % Debt to ratio outstanding balances. 20 years of excellent credit history, Mortgage paid off within 19 years. My credit score should be at the lowest 790 and 850 at the highest. These credit reporting are bias and work for the best interest of Banks, Lenders and Credit Card Owners. 
I am trying to take an equity credit line to pay for XXXX of my children college tuition and home improvement, but the lower credit score reported than my credit worthiness deserve, has caused me a great deal of disadvantage. 
This is just an abuse of a power of these three credit reporting agencies. They are simply working against us consumers. They take every opportunities to destroy us consumers after us being  building our credit for decades. These reporting agency do not care to look at the totality of our credit history, we could have 20 years of excellent payment history, and one day we face a creditor trying to collect on account that we dispute and we refuse to pay it because we do not owe it,???? then the credit reporting agency instead of allowing us to exercise our right to dispute it, they side with the creditors and the destroy our lives. They work for them not us the consumers. this has to be STOPPED
Experian still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) '' through the physical verification of the original signed consumer contract '', to provide me lawful proof of verification. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to verify in order to protect my rights as a consumer. Since it has been well passed the 30 days allotted them as of XX/XX/2018 I am demanding once again that Experian as well as the other bureaus who also are unable to lawfully verify these accounts listed below be deleted immediately.
I've tried since XX/XX/XXXX to resolve inaccurate payment history with Capital one credit card by disputing with credit bureaus, calling Capital One and writing letters to request additional information on there findings. They have my payment history marked as 30/60/90 days late but I have provided them with documentation that payment was made by the due date using my account statements and bank statements. Not only does my payment history reflect late payments but I have been charged an additional {$35.00} each month which shows on my statements because I was unable to pay the total minimum payment due but I feel that this situation has caused me hardship of low scoring to my credit report, adverse actions of declinations from other creditors and financial hardship of trying to resolve this matter. I was informed by Capital One representatives that my situation qualified for special hardship and I was approved to pay very small affordable payments until I was able to get out of debt and my health got better. Each time that I have disputed this issue, I receive correspondence from them stating after review, they feel that there records are accurate without providing me any supporting documentation as to how they derived at this conclusion. I have two credit cards with Capital one and they have me reported as late 9 times, in which, I only missed two payments. The second account, I have been marked 4 times late, in which, documentation shows I only missed one payment. I feel hurt that this corporation accepted my monthly payment, charged me additional {$35.00} for late fees and reported late payments for those months because I was going through medical issues and couldn't afford to pay the large amount of the minimum payment due. No one should ever have to be treated like this. If I have to have the adverse late payments on my credit report, I would like to ask for a refund of all the funds that I paid from XXXX returned back to me along with correspondence from the company stating they will remove the inaccuracies on both accounts within 30 days. I'm in the process of buying a home and these late payments are detrimental to my APR rate and my borrowing power and I just need assistance with getting this resolved as soon as possible. I will be providing supporting documentation along with my complaint so this issue can be resolved. Thanks
After I filed a complaint against them ( Stuuell, Hammer & White ) again took me to court without inviting me to participate. According to my payroll dept, a courtr order allowing them to garnish me was signed on XX/XX/2015. I was ( again as usual ) not served. Additionally, I learned that I Shoud have been served with documentation inviting me to participate in the court process, again, this did not happen. This represents a pattren of abuse and fraud by this company that Must be haulted.