WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX is incorrectly reporting the status of the auto loan that I had with them. It is reporting that the account is 30 days past due. It has knocked my credit score down XXXX points. I did a voluntary repossession on the vehicle on XX/XX/2017. The vehicle was not 30 days pass due. I also got a voluntary repossession letter from XXXX XXXX I enclosed a copy. I spoke with XXXX at the customer service site and XXXX the manager at the location I originally purchased the vehicle from.
I have had nothing but in Going issues with XXXX XXXX. From my payments being recorded and reported properly. To them being disrespectful, hanging up on me and refusing managers and supervisor. I have on recording them lying about my account details and so forth also included with complaint. I would like the status of my credit report updated. I did a voluntary repossession on XXXX. That 's what the credit report should say. I HAVE NEVER BEEN 30 days late with this loan and it should n't be reporting as so. This is defamation of character and slander of my credit report. I feel this is all done intentionally. I tried everything to prevent this. Even taking the car directly to XXXX XXXX corporate office at XXXX XXXX XXXX XXXX XXXX, XXXX, KS ; and also calling XXXX over at the independence office XXXX XXXX XXXX XXXX XXXX. I would like my credit report updated immediately. This is affecting my credit poorly and is very illegal.
I was involved in a real estate investment over 10 years ago. I lost XXXX propertis to a foreclosure. There was a 1st and 2nd mortgage on that property. The 1st was taken care of in the foreclosure and the 2nd was sold off to numerous companies. I hired an attorney years ago to try to take care of this account. We continued to ask for proof of the loan which they could never produce. It has now been reporting as a XXXX late mortgage only on Experian. We have disputed this numerous times and asking for proof of the loan. The company is XXXX XXXX XXXX. They have not provided any documented proof and now say they have sold the loan and do not have any information. Their response to Experian continues to be they are reporting accurately. Experian has told us they do not need to give written proof. My understanding under the FCRA is : The credit reporting company and the creditors should investigate the dispute or fix any mistake. If the disputed info is wrong or can not be verified, the creditor must delete or change it and provide a correction to the credit reporting company that received the disputed information. 
We are unable to refinance due to this continuing to report an 180 day late mortgage payment. I will attach Experian credit reports. 
Thank you for your assistance!
I was contacted by Account Discover Systems, LLC attempting to collect a payday loan debt on behalf of XXXX. I was told the amount I owed was {$8000.00} during the call the collector after only me saying yes to my name and date of birth which he gave out mentioned my employer, names of family members and complete social security number. 

I do not believe this debt is mine. I do not believe the loan was from a legally licensed lender in the State of Oklahoma and do not understand how such a collector has and is willing to give out my personal information. I have already disputed this information with XXXX XXXX XXXX, XXXX previously. 

I have requested the lender cease and desist all phone contact with myself, any assumed references and my employer. I have requested validation of the debt, calculation of the amounted owed which was stated as {$8000.00} and the license of the collector original lender validation of the collectors ownership of this presumed debt. I was also threatened with a lawsuit and when inquiring about the jurisdiction was not provided the information.
I currently have a past due auto loan with Consumer Portfolio Services ; I am currently behind on payments due to the decrease in work hours which puts me in the position to make the auto loan payments unaffordable.
American Express- I have been removed as an authorized user as of XX/XX/2018 verified by various calls to American Express with the most recent this month and it is still reporting to all 3 credit Bureaus. They refuse to send the electronic verification to the bureaus.
I had a payment due in the amount of {$720.00} by the special terms date of XXXX XXXX, XXXX in order to avoid a deferred interest charge. A payment of {$250.00} was made by XXXX XXXX, XXXX. A second payment in the amount of {$470.00} was made on XXXX XXXX, XXXX and was effective as of XXXX/XXXX/XXXX. I have a confirmation that the second payment went through no later than XXXX XXXX. 
It seems that Wells Fargo did not apply the payment to my account until XXXX XXXX ( causing me to accrue interest charges ). Please note since I made my payments by the appropriate time, I am not subject to this interest charge. 
I have spoken to the folks with Wells Fargo numerous times and was told to always send support. I sent the support a number of times and finally spoke to XXXX around XXXX XXXX, XXXX. I forwarded the support again and she explained that she will review, close the account and remove the past due from my credit report. 
I ran my credit report last week and noticed that this has not been removed. I called the department and spoke with XXXX who explained that this information is not in the file. I sent the documentation again for review to finally resolve the issue. I would love for this to be removed from my credit report as I made my payment in a timely manner.
XXXX XXXX office representative made false statements, and when I disputed the debt originally it was dropped from my credit history. 4 years after this was done, XXXX XXXX is attempting to collect what they think is debt. A person authorized to repressent the company told me that I would owe a certain amount and that amount was paid, when a different amount was attempted to be collected I was told that it did not matter what that person agreed to. In New York State a verbal agreement is tantamount to a contract and as such is where they provided service. They have harassed me for the last 7 years to collect something that is not owed to them.
XXXX Account re-aging. Account activity has been disputed twice. Age of debt has been disputed twice with documentation sent to CRAs. Reported activity just changes to new random activity in the closed account and credit dispute is reported as " updated '' New activity reactivates reporting period. Equifax just added " OK '' for every month until present date to the XXXX account closed since XX/XX/XXXX Original date of age off was XX/XX/XXXX in XX/XX/XXXX now age off date is XX/XX/XXXX Data for joint account holders of same XXXX account reported by same CRA Experian does not match. The reporting is random " OK '' then " XXXX '' the next month. account closed for years with no activity then shows " XXXX ''. This is blatant debt re-aging There are at least 5 different XXXX and multitudes of dates when the account was closed.
This is my second time around going back to school after ten some years. I had applied for the Fafsa and was approved and Navient is now my lender. I just recently checked my credit score and to come to find out because of all the open accounts my score drop almost 100. I was floored  when I saw my score so I called Navient as soon as possible and just told me that is how they do it now. Before they would get paid out in one sum. Because of this my score will drop lower than XXXX after I graduate from the school. I do not think it is fair for anyone to take advantage of people. Because we work so hard to try and fix our lives with trying to go back to school and try to earn more. My options were very little and I am not too sure how to fix this issue. I hope I can talk to someone who can guide me the right direction.
Equifax has repeatedly denied me access to my own credit report after i have sent in to their dispute/identity center at least a dozen times a copy of my ID, SS Card, and Proof of Address in XX/XX/2016.. Each time they are claiming that when i call in or try and access the report online that my own information is invalid, that my IDs are not correct and/or that the security questions I answer over the phone or online are wrong. 

I am not sure what is going on but for the last at least 2 years ( since XX/XX/2016 ) since i disputed two wrongful collections ( XXXX XXXX XXXX ) on my file with Equifax, I have been unable to access my credit report and the dispute never was resolved. 

I am being treated unfairly and have no idea where the copies of what they are requesting are going. When I call i am treated rudely, yelled at or degraded and when i finally get someone who is helpful they tell me that everything i verify is not true. 

I've asked for an investigation multiple times as i believe the data is not correct or merged with someone else. I send what they ask to prove my identify and they say it's not enough or to send it in again. I have literally done this two dozen times and all i am trying to do is get something removed from my credit report but i am not allowed to access it myself to do so ( only lenders apparently can ) This is ILLEGAL!
I wanted to order a credit report with Equifax. They only offer an ongoing service that charges your credit card every month but they say you can cancel at any time. What they do n't tell you is that you ca n't cancel online and you have to call so they can try to talk you out of cancelling. I think that ANY company that allows you to order a product online that is subscription based should be REQUIRED to allow you to easily cancel online.
I was not aware that any of these companies were running my personal information im wanting them removed from my report, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,
In XXXX I checked my credit report, I realized that there was an excessive amount of inquiries that had been ran without my consent. I disputed each on its a total of 12. As of last month Equifax XXXX   and XXXX both said they couldnt find anything and with that being said they couldnt do anything. I wrote back again saying these were unauthorized and basically fraud. They said they closed the investigation. My thing is I think they should know that its excessive inquiries, who runs there credit like that back to back. Up to now my history has never shown excessive pulls like this. Furthermore I have a fraud alert to call me before extending or running my credit.
I tried to open a XXXXXXXX XXXX account and was declined due to negative reporting on Early Warning report that states a XXXXXXXX XXXX account reported XX/XX/2017. 

Early Warning sent me the report and and I have never had a XXXX XXXX account and when I contacted XXXX to inquire about it they were unable to pull anything based on my information, so there was nothing to dispute with them. 

Early Warning is referring me to the bank which is not giving me any information, I provided early warning with police report and requested for them to remove this reporting that does not belong to me and they have not.
To Whom It May Concern : I had taken out two ( 2 ) Parent Loans for my son when he attended XXXX University. He left college and the loan payments came due at a time I was dealing with debt left by a divorce. Rather than file bankruptcy I opted to settle with all creditors except for the parent loans. As time went by they did start a garnishment XX/XX/XXXX. 
My employer has deducted {$190.00} every two ( 2 ) weeks beginning XX/XX/XXXX per the United States Government Wage Garnishment Order ( XXXX ) in the amount of {$20000.00}. 
I contacted the Creditor Agency ( CBE ) last week to confirm the date I thought this should be paid in full ( approx XX/XX/XXXX ). I was told I still had {$5500.00} plus to pay and interest accrues daily. At that time I requested a transaction history on the collection of my two ( 2 ) accounts. 

I received their transaction history report that carries NO BALANCES. I received the payment history from my employer that carries remaining balance after every payment. I created a spreadsheet using BOTH CBE and my employer. 

First, the garnishment order of {$20000.00} consists of : 2 parent loans totaling {$14000.00}, Interest due of {$1900.00} and CBE Fees and Costs of {$3900.00}. 

Secondly, in addition to CBE 's fees/cost of {$3900.00} INCLUDED in the garnishment, they have collected ADDITIONAL fees of {$37.00} every two ( 2 ) weeks processing payments received as follows : XX/XX/XXXX - {$410.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$970.00} XX/XX/XXXX - {$220.00} ( as of XX/XX/XXXX payment processed of XX/XX/XXXX payroll deduction - Why does it take so long for them to process? ) The collection company is receiving over half the cost of the original debt IN FEES to collect the debt. It 's a wonder anyone goes to college or that parents take out these loans not knowing what the future holds financially for them. 

Both myself and my employer have a total balance left on my garnishment of {$1700.00} per the payroll deduction of XX/XX/XXXX ( which CBE processed XX/XX/XXXX per their transaction history report ). CBE verbally told me I had a {$5500.00} plus balance as of XX/XX/XXXX. 

Finally, How can a wage garnishment order that is almost fulfilled have a balance that can keep growing seemingly never to end? 
Where are the checks and balances for the consumer or in this case debtor? Is n't a garnishment order for a specified amount only as listed in black and white on mine?
My XXXX account has been paid in full this month on the XXXX 
Last Reported XX/XX/XXXXCreditor Name XXXXAccount Type Charge AccountAccount Status OpenOpened Date XXXXClosed Date -- Limit $ XXXXTerm -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status CurrentWorst Payment Status CurrentDate of Last Payment XX/XX/XXXXAmount Past Due $ 0Times 30/60/90 Days Late XXXXRemarks --
I received an Email from XXXX directly in XX/XX/XXXX, addressed to my name and one of my XXXX card, about the promotional offer that I can earn {$25.00} per card if I add an authorized user and charge $ XXXX spending on that card, and the offer is up to 4 cards ( up to {$100.00} in total bonus ). 

I followed the rules, and added 4 additional cards, met the spending requirements. I got two additional Email from XXXX about the same offer in XXXX and XX/XX/XXXX. In the last Email, XXXX stated that they were experiencing some website outage related to this offer, extended this offer expiration date to XX/XX/XXXX. 

I have waited several months, but still not got the bonus rewards as advertised. I contacted XXXX customer service, but theirs investigation said I personally declined the offer, which is so ridiculous. As I double checked the offer Email carefully, there is no option to decline an offer. The only link within the offer Email is to participate the offer.
I closed a checking account with BBVA Compass several months ago. I received a letter, with no prior warning, this month that the account was overdrawn by {$9.00} XXXX due to a service fee assessed AFTER the account was closed ) and would be sent to collections. When I called and demanded that the account be refunded the {$9.00} charge and closed out, I was held XXXX and told that unless I paid the {$9.00}, my credit would be damaged. I paid the {$9.00} under duress, and believe XXXX should be held responsible.
No proof of contact of debt validation was received. After 6 years, this company reported a debt on my credit report after failing to notify me of the debt. Had the debt been brought to my attention anywhere near the date of service inXX/XX/XXXX, I would have been able to provide pertinent insurance information and have the debt handled immediately. I opened a complaint with Central Financial Control to get records of debt collection and was not given a resolution in the legally allowed timeframe. They have now closed my claim and refuse to send me any information by mail. 

This company has a record of less than savory activity, with CFPB having written an article uncovering these shady tactics in XX/XX/XXXX. They have grossly mishandled my dispute and have prevented me from exercising my debt collection rights.
On XX/XX/2017, received a letter from XXXX stating it was representing Aargon Agency Inc in the collection of {$190.00} owed to XXXX. Business has never been conducted with any of the named entities.
XXXX   XXXX   XXXX   did n't replying in a timely manner to any of my letters, or have they to date after numerous certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDC PA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating  within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am prepairing lawsuit against  XXXX ,  XXXX   &  TransUnion for not investigating nor responding to me as well, and taking no action when   XXXX   XXXX   XXXX   did not reply.
I first learned that this company had won a default judgment ( in XXXX XXXX ) against me on XXXX XXXX, XXXX. On XXXX XXXX, I went online to see if a payment for an automatic withdrawal had been processed. I found that the company had a levy in the amount of {$6100.00} against my account and that all of my funds had a hold on them. I have attempted contact with them explaining and providing proof that I am on Social Security, and will lose my rented home if they do not release those funds. I was told that since I had money in a savings account which I had been transferring to my checking account to pay my bills that the entire amount was not Social Security. Even though I explained to them that I have not worked since XXXX, more than a couple months in XXXX and XXXX. I explained that I had been on Social Security XXXX since approximately XXXX, and that I have no income other than Social Security, they have not done anything with regards to correcting this matter. I have called and been told several times that I would be contacted in this matter. I can not afford legal counsel in regards to this matter. I was not served properly, as the address with which I was served was not an address I had lived at for over a year at the time of the supposed service. When I spoke to the attorney regarding this he stated that I was also served at the address which I was living, but there is no proof of service for that address. XXXX. I do not want to be homeless.
I submitted a payment to American Express ( AMEX ) on or about ( OOA ) XXXX XXXX 2016 for {$840.00}. 
I received a bill XX/XX/2016 for & XXXX which included {$27.00} in late fees and {$12.00} ( {$39.00} total ) in interest from AMEX. 
OOA XX/XX/XXXX-XX/XX/XXXX I contacted AMEX and complained. I was informed I should 1. Pay my bill on time 2. Read the fine print in the contract. I asked for a Supervisor. 
I informed AMEX I wanted the account cancelled and a total for a final amount so I could pay it. At that time I was told the final amount was {$740.00}. I specifically asked if there are any additional " hidden fees AMEX is going to attempt to XXXX me on ... ''. I was told " NO '' the total is {$740.00} as there were pending charges made by me on the card.. 
On a Sunday XX/XX/XXXX or XXXX XXXX 2016 a AMEX Supervisor ( XXXX ) called me back and explained I was treated rudely and that is not how AMEX operated. I was told the payment in question was logged as being received XX/XX/XXXX and credited on XXXX XXXX ( 2 days after the billing cycle closed. XXXX said she would wave the late fee because of my " excellent payment record ''. She never removed the interest ( {$12.00} ). 
Subsequent to the above events, I received statements online saying my account was closed and that I had a {$0.00} balance. 
The week of XXXX XXXX I received an AMEX statement saying I owed {$3.00} in interest. I called and spoke to ( XXXX ). He said the {$3.00} was an interest charge. I explained the account is closed and I had AMEX tell me the total last month my final total for the account. I asked for a Supervisor and was given to " XXXX '' in Florida. XXXX agreed to wave the {$3.00} charge and said she was sorry. As of this writing ( XXXX XXXX 2016 ) the charge still pends. 
Throughout the entire process I was given conflicting, contradictory and false information by AMEX personnel. I was outright lied to by AMEX personnel and Supervisors ( XXXX ) by them agreeing to assist me then not following through with what they said they would. Additionally, AMEX personnel claimed events that were simply impossible by citing incorrect dates and corporate policy that I felt they made up as they went. Closing an account and settling it, only to continually bill the member is deceptive and illegal. This seems to be the way AMEX conducts their everyday business.
Lender ( RP FUNDING ) not only failed to disclosed that the PMI will be for the life of the FHA loan, but their loan officer ( XXXX XXXX ) provided inaccurate information stating, the PMI collected every month will be terminated at 11 years. According The the Federal Housing Administration / HUD this is not true for loans originated on or after XXXX 2013. My personal opinion do not trust or so business with RP Funding, additionally their cushier services provides misleading information not in a timely manner and usually, stating the information without provided within the time required by law, but not providing what the time required by law is. The PMI for life regulation of XXXX 2013 is unreasonable and by no means protects the consumer but money hungry computations. It is sad how this organized crime and scam is supported by this U.S government I now serve as a member of the XXXX XXXX XXXX.
{$460.00} total {$210.00} past due Fraudulent dispute Found in my favor then reversed 2 mouths later Account closed XX/XX/XXXX Dispute submitted XX/XX/XXXX Resolved XX/XX/XXXX Reversed XX/XX/XXXX
On  XXXX   XXXX ,    2017 I submitted  a dispute to  XXXX  regarding GM financial on my credit report. I asked for all the information regarding the account be verified. On  XXXX   XXXX ,    2017 t he investigation was completed and it came back verified. It is my belief that  XXXX  did not complete a investigation because EVERYTHING on the account is reporting inaccurately. The high balance is incorrect, the balance is incorrect, and the date of last payment is incorrect. I am fully aware of my rights and if the credit bureaus fail to investigate and update with accurate information according to the FCRA then this account must be removed.  XXXX  is supplying the credit bureaus with outdated, inaccurate information and the accounts should be deleted from my credit reports. You will find a copy of my   XXXX    dispute regarding this account. I have also supplied you with the latest information reporting from  XXXX  so that you may compare the inaccuracies.