WillisBack/dataset-financial-user-claim huggingface dataset:
Around XXXX XXXX, 2015, I received a copy of my credit report from " Experian. '' I noticed that a false entry from a " XXXX XXXX '' debt collectors for the amount of $ XXXX on behalf of " XXXX '' was unlawfully entered onto my " Experian '' credit file. When I called up " Experian, '' I told them that I have had " XXXX '' for the last 17 years as my T.V. viewing and NEVER " XXXX. '' They at " Experian '' still refused to remove this false credit entry off of my " Experian '' credit report.
I have no debts yet I have been receiving repeated calls from " Central Credit '' who changes its phone number on a regular basis. Today 's phone number is XXXX.
Ran a check on my credit and found 2 debt collections from same company. Contacted them last week to dispute it and was told that I would receive information about the account because I have no knowledge of the accounts in question. Instead, I received a notice that I have 30 days to dispute it or I'm liable for them. I do not know anything about these accounts so I want detailed information about these accounts. I've attached the notices for your review.
On XX/XX/2018 I received an alert showing that an inquiry for XXXX XXXX XXXX appears on my credit report. Because I did not authorize this inquiry nor had any knowledge of it, I immediately contacted XXXX XXXX XXXX at the number listed on the inquiry ; who instructed me to file a dispute with Experian. After calling Experian, the inquiry still has not been removed from my report.
I have disputed an error for an account that I had with XXXX XXXX credit card with XXXX, experian & XXXX. I have provided a copy of the check that I paid the account in full to both the credit bureau agencies as well as XXXX directly several times and yet this account is still being reported as late and not paid. Legally they are obligated to correctly report the right information and they refuse to.
I keep asking my student loan servicer to send me a copy of the original promissory notes on each of my Federal loans ( my copies were stolen out of my home ), and the loan servicer has only provided copies of the promissory notes for XXXX loans - there are XXXX other federal loans that they service for which they will neither send copies nor explain why the copies have not been sent. I 've been attempting to get these promissory notes since XX/XX/2015.
Dear CFPB, I recently applied to access my credit with XXXX and was denied based on insufficient credit file and some type of garnishment or suit that appears only on my credit file reported by XXXX.
My mortgage company, Ditech Financial, has sent me a letter advising that they are not going to remove the PMI on my loan until it reaches 75 % LTV. I have previously made a request in writing as well as had an appraisal done by one an appraiser of their choosing. I have a LTV of 80 % and understand that upon my written request, the PMI should be removed. Can you please advise?
On my Equifax, XXXX and XXXX XXXX credit report, its showing a current balance on the following accounts : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I paid my balance in full and shouldnt have a balance. My current balance on all 3 accounts should be a recent balance of {$0.00}.
I deposited a check I was given from a bed I sold on XXXX and it appears after the bank sent me an email the check was good that it wasnt because my account is now negative the amount of the check and more. I am going to call them in the morning Im very upset I live on a limited income and I can not afford to replace this money I was obviously frauded out of, im just sick about it and I dont know what to do.. I will contact the bank tomorrow, I accidentally came across your app tonight. I am trying to fix my credit and Im so upset. I dont understand why people do this to other people. I was told that the check was good and so I went along with the process and lost my bed and now Im out all this money in my account, Im so upset Ive barely been able to eat.. Thank you.. be careful there are a lot of scammers out there and somehow the bank didnt know the check was bad at first..
Department of Navient belongs to a family member. I have never received a bill stating the loans were due. The information receive was after the loan were in default. I am XXXX  and trying maneuver financially but I can not due to information reporting. Loans fall under Authorized user so I am requesting they be removed from my credit. 

XXXX XXXX, also belongs to a family member.
I am in the process of trying to modify my mortgage with  Select Portfolio . I was given a so called single point of contact but the contact never returns my call. I am forced to talk to someone new every time I call them for clarification on what documents they want to see. The representatives tell me I need a document and then when I give to them they say I need something else. I was told at least twice I have given them all the documents needed and my loan was in underwriting only to be told again I need something else.      Select Portfolio h as also placed multiple fraudulent insurance claims on my property. I never needed to file an insurance claim as the house was always occupied. As a result I am having problems obtaining affordable insurance for my primary residence.     This property was also included in a bankruptcy and  Select Portfolio has  ignored the proper disclosures and acknowledgement of the fact that the loan was in bankruptcy. As a result the loan has a some point been reported incorrectly on my credit report.
I am in the process of trying to build a home. I was denied and I could n't understand why however, when I pulled my credit report I understood why. I was really so upset that so many accounts were reporting on my credit report that I had no knowledge of. I did contact the creditors but they would not do anything but try and make me pay for debt that was not mine. I have written letters and still nothing has been done. Please help me. The following accounts are on my report and are not mine.   XXXX   XXXX   XXXX   This is an account that I have no knowledge of and it is not my debt! There are  XXXX  US Department of Education on my credit report. These are not my accounts and I have no knowledge of these accounts.   XXXX   is also reporting  XXXX . These are not my accounts. I work very hard to pay my debt however I refuse to pay a debt that does not belong to me. Please help me! This is a type of fraud that these creditors continue to report this false information.
On XXXX XXXX, 2017, I received a letter from XXXX XXXX XXXX XXXX. The letter informed me that the request for loan discharge " has been approved. '' It further explained what this decision meant to me, which was " This discharge releases you of any financial obligations on the loan. '' After reviewing my credit report on XXXX XXXX 2017, I noticed that my credit report did not reflect accurate information regarding XXXX XXXX XXXX XXXX. Due to the fact the information was incorrect based on the letter received. On XXXX XXXX, 2017 I initiated an online dispute with XXXX. XXXX XXXX, 2017 I received notice that the investigation for my dispute was completed XXXX XXXX, 2017. I contacted XXXX concerning dispute, requesting for the account to be removed from my credit report. The investigation took longer than 30 days to resolve ; however XXXX refused to comply with the FCRA compliance. This action has affected me in a negative way
After sending the attached letter to Experian I received a response stating that Experian had contacted the company reporting the information I disputed ... ..and instructed them to review all information we provided concerning the dispute, verify the accuracy of the information, and provide us a response to your dispute, and update their records and systems as necessary. 
I have never given written or verbal consent ( as required by FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) ) to the Bankruptcy court, XXXX XXXX or any other party to share any public record information they might have on me with any Credit Bureau or anyone else ; including 3rd party suppliers of information. According to the FCRA, only information which has been Validated as true and correct can be reported on my credit file. Third party " verification '' does not meet the legal standard of validation, but, is merely heresay. Heresay can not be the basis for reporting an item on my credit file under any circumstance. A validator must have first hand knowledge of the information being validated. It is obvious that a court clerk or anyone else looking at a computer record and passing on that information as being " Validated or even verified '' does not meet the standard required by the FCRA nor by an abundance of court cases. While the information reported on my credit report has been challenged on its authenticity and its accuracy ; it is obvious from the Bureaus response, that they have no interest in listening to that dispute based on their acceptance of " verification '' as being legitimate. Therefore, I am asking you to investigate the way in which Experian conducts its " validation '' process
Called me on a XXXX debt I 'm not even sure exists, although I did have an account there at the time. Then when I mentioned the statute of limitations in Oregon, XXXX in the litigation department claimed that overdraft fees to a federal bank are n't protected by state statute of limitations. I got payment plans and called back after talking to my wife and looking online. They said their company name was XXXX. I asked them for their address and they refused, they also contacted me from numerous phone numbers from different areas in the United States. So I told them to stop calling or we would talk to a lawyer for unfair practices.
WE FELL BEHIND 2 PMTS. WE SENT IN 1 XXXX PMTS FOR 4 MONTHS BUT THEY KEPT SENDING THEM WANTING THE FULL XXXX DUE, WHICH WE DID NOT HAVE. THEN THE HARASSING CALLS SEVERAL TIMES EACH DAY. AFTER FINALLY TALKING TO A REP HE TOLD US TO STOP SENDING PMTS UNTIL THEY GOT IT STRAIGHTENED OUT, THAT WAS 3 YEARS AGO. NOW THEY HAVE FORECLOSED AND ARE AUCTIONING OFF OUR HOUSE ON XX/XX/2016. STAY AWAY FROM THESE PEOPLE THEY WILL XXXX!!!!!!!!!!!!!!!!!!!!!!
XXXX from Covington Credit called my job spoke to our Portal Sgt asked to speak to my supervisor who was off asked for the Warden and left a message with the Sgt if I do n't call him that day he was going to garnish my wages and left his phone number. I spoke to XXXX about getting the account current when I went to the office I said I did n't want to deal with XXXX there was 3 other employees there .. XXXX cane to the desk I was working with XXXX about to make my payment and I told him he did n't have the right to call my job and speak to whoever answered the phone and tell them he was going to garnish my wages if I do n't return his call at 1st he denied it then he said he can do what the XXXX he wants and I told him you do n't have the right to curse at me he told XXXX not to take my payment they would be garnishing my wages and told me to leave This is a loan did n't see it as an option above
For the past year I have been having trouble with my child support depet card. It never on it on time and I can never get live person on the phone to find out where 's my money or when should I expect it to be on the account. It 's take XXXX XXXX weeks for is to finally just show up for me to be able to use. Now this is a very pain in the XXXX not to mention it against the law to keep a on to money that by court order I 'm suppose to get in a timely fashion.
I received a letter in the mail from Rolfe and Lobello PA insinuating that I had a debt from XXXX XXXX. In the letter the law firm insinuated prosecution. I later received a phone call from an agent from the same firm stating the same tactics. I advised her that Im not familiar with XXXX XXXX. The rep changed the original creditors name to XXXX XXXX. Again I stated I am unsure about the debt. The agent stated she would send this to her attorneys. I was intimidated and the letter was a threat. I am not familiar with this account or even the creditor at this point seeing as the firm has changed the name twice for the original creditor.
The reason for my complaint is because Experian has continued to report a publicrecord that is fraudulent even though I have sent supporting information to have the public record removed. They continued to claim that the public record is coming back verified from the Vendor. I have contacted their vendor XXXX XXXX XXXX XXXX and expressed my concern and brought to them my concern in a separate complaint that i filed with CFPB case XXXX. They responded with my concern explaining that the XXXX County Public record was removed from my lexis nexis risk file. I am attaching the response that I received through the CFPB portal from XXXX XXXX and requesting for Experian to remove this public record from my experian file. The last complaint that I put on Experian in my opinion they did not even do an investigation as the results were given not even 5 days from the date that I put the complaint. 

I am also going to attach my Drivers License and Social Security Card requesting for Experian to remove the Extended fraud alert from my file. I attempted to upload the document to the Experian website and they have also failed to respond to my request. I am requesting for a credit line increase with one of my creditors and they are declining me because of my fraud alert. They requested that I remove from my credit profile before they can continue with my request.
I have inquiries that I dont recognize, Or that I did not apply for please remove these from my credit file for they was not authorized thanks
Response to My claim Case number : XXXX TD Bank will send a check to the Customer in the amount of {$95.00} within the next 30 business days, as a courtesy fee refund. The attached explanatory letter was mailed to the Customer. 

I, XXXX XXXX never received the check from TD bank. Today is XXXX ... and no check. received.
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask SAFCO ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with SAFCO is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. *** NOTE : SAFCO ( Southern Auto Finance Company ).
I spoke with a representative from the following company :  XXXX   XXXX   XXXX  ( collection Agency )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  In regards to partial acct #  XXXX  ( original creditor Capital  One ) In regards to a negative account on my credit. The representative told me he wo uld make a payoff settlement of {$1000.00} to settle the original debt of {$1200.00}, which was withdrawn from my checking account on  XXXX   XXXX    XXXX  . I just went into my credit report and they are reporting that I still owe the remaining balance of {$250.00}. I was told several times that my debt was settled and they would report it paid off to the credit bureaus. I even called a second time and spoke to a " floor manager '' and she said that the debt was resolved on the settlement amount and it would take 10 days for a letter to be drafted and reported to appropriate credit agencies. I have spent countless hours on the phone and cleaning up my credit report for the past 6 months. I am trying to get approved for auto loan within the month of  XXXX  and they have completely ruined my chances of that happening by not holding their end of the bargain and settlement amount. I will be reporting this to the BBB, Attorney General in Utah, and any other appropriate agencies necessary. Please help me as I need this reported to the credit agencies asap.     Thank you,  XXXX   XXXX  ends in  XXXX  Mailing address :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , UT  XXXX   XXXX  address :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , ut  XXXX
My complaint is of lack of concern for AmEx customers. XX/XX/XXXX XXXX I began to balance my checking account to make sure all payments and paychecks were submitted before we go XXXX to have a planned XXXX XX/XX/XXXX I made a note in my checkbook that I had it scheduled to be paid, however I realized my Amex card payment was not made. I 've had the card for over a year, making every previous payment on time. I called to make a full payment and ask for the finance charge and late payment fee to be removed. I was told that I do not qualify to have the charges removed. My credit per Fico score is really good-per even Amex 's free Fico Score ( over XXXX XXXX. Note : over 20 years I have had a few late payments due to scheduling or forgetfulness to different credit cards. One time I had not realized that I had n't made a payment until the next statement was sent. Yet EACH time XXXX removed the charges. I know who values me as a customer-I still have their cards. Again, Amex makes it easy to not use them as a main credit card. Yes, I do realize I missed a payment by several days. No concern for my business means I have no concern about their business.
I filed for bankruptcy XX/XX/XXXX. I reaffirmed my mortgage through US Bank Home Mortgage and they deleted one of the only good standing accounts I had on my credit report. This is not fair. I 've been paying every month since XX/XX/XXXX which was my first payment. When I called 2 months ago I was told they would investigate but nothing has happened. I want it back on my credit file in good standing as it has always been.
Chase is SERVICER of loan to which they misapplied, held in suspense, to push us into foreclosure, chase ignored MULTIPLE attempts to stop un-needed insurance to the point of XXXX removed from my escrow to pay for attached flood policy 's NEVER needed, & reasons for attachments is invalid chain of title, Good Faith Estimate, Truth & Lending statement, is for a DIFFERENT RESIDENCE, in a different county of ky, & is NOT MY RESIDENCE.I brought this ENORMOUS facts to chase, ignored & false default claims began,XXXX false claims now, to which all are paid.I 'm currently BOUND to litigations still, initiated XX/XX/2011. & Assignment of mortgage came a full year AFTER suit in progress, & the Assignment of Mortgage was created by the law firm suing me? NOT BY CHASE? & I BELEIVE THATS ILLEGAL ALSO, & signatures, notary 's that signed this assignment are CHASE EMPLOYEES, NEVER DEFAULTED, NEVER NEEDED LOAN MODIFICATION.NO DEED, NOTE SERVICER DEEMED ''LOST '' NEVER FILED ANY ASSIGNMENTS IN COUNTY CLERKS OFFICE, UN-CLEAN HANDS IS AN UNDERSTATEMENT.
I have been with my credit card company Sears for over 20 years.I recently have been having fraud against my account Sears dispute process credited money back to my account then reversed the credits?? I called and complained they canceled my card and refused to send me another one.This happened on Sat XXXX XXXX they said XXXX would be next day aired to me because I needed it asap it never showed up.I called them today XXXX XXXX and they were extremely nasty and rude and were charging me interest on fraudulent charges after a partial credit was given.That was the last time I said i would do business with them and they were disregarding a very important matter and a long time customer.
I had XXXX XXXX XXXX XXXX account investigated in XXXX 2015. After the investigation was completed this account was removed from my Equifax Credit report. I just checked my credit report today and that same account is reporting again. Why do consumers have to go through investigating information on our credit reports and then in a couple of months the information that was deleted appear back on the report.
This debt has exceeded the Delaware statue of limitations for collecting on a debt. The original debt is, I believe at least 10 years old.
i have contacted FAIR COLLECTION AND OUT many times since receiving a bill from them about a previous apartment. Before sent to collection, i asked for verification of debt because i was shocked that i owed anything. Even representative there did n't know why the amount was so high but referred dispute to XXXX XXXX, where they continued to verify as accurate. The same manager whom i filed XXXX XXXX complaints on, XXXX because i was asking for a provisional credit because AC was n't working for months properly and had inflated the cost of my electric bill and not livable for me and my XXXX year old son because it would get over XXXX degrees. This went on for close to 4 months. Also, another occasion where she slammed the front door in my face because i did n't agree with the credit that was given. I told the collection company that i did n't agree with amount and i wanted proof of all charges, not just a basic " verification of debt ''. I received all charges but only a few days before they stated they would place on reports. Even after receiving docs on XXXX/XXXX/16 i still did n't agree and asked to hold off on any reporting because i wanted to verify amounts charged because it took months and months to get those documents to me. I even said, " I dont agree nor take responsibility for these charges but willing to pay a payment agreement until rectified and a credit could be issued. I was told i could make no partial payment and that i needed to pay in full. She also advised that even though i do n't agree, and she did n't agree with amount of charges they disputed with XXXX months back and they are only required to dispute once. I have included a copy of all charges, which show for address IM NOT responsible for. I lived at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX and charges are for Building XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. I have included copy of lease and copy of dispute sent.
Sense XX/XX/2017 I'd been sending inquiry dispute against to all three credit bureaus with no luck. I have a fraud alert on all my reports I ask all three to send me proof that I applied for credit that had my signature. They didn't provide me proof of it and still i send in dispute letter to have them removed with no luck. All three credit bureaus today still not given my proof that are valid and they still refused to remove them off my report.
I obtain credit lines with community bank over a year ago. I have XXXX credit lines with them for Victoria secrets, anne taylor, and XXXX. My XXXX XXXX was XXXX last year right before the new year. There was no life insurance nor do I receive social security. I missed a lot of work during that time in addition to having had XXXX and my son younger son becoming ill and having to have his adenoids removed. I fell delinquent. I tried to make arrangements but what I could pay they were not willing to accept. I became displaced and had to live with a family member for a while. I reached out to them to place me on a hardship program which they could not without taking a down payment. I told them the money they were trying to collect I did not have but if they could make more reasonable arrangements I could work with them. Each time I spoke with a manager she /he promised to call me back with a resolution but they never did. I continued to call still with no resolution. Finally I called and was threatened with having my wages garnished. I advised the rep that she could not do that without first filing a law suit. I reported the incident to a manager who again apologized but no action was taken, this same manager indicated she would call me back but never did. I have since received calls from them sometimes over 20 times a day back to back. I have asked them to stop calling me if they are not willing to work with me and harassing me and the calls still have not stopped. They have been in multiple violations of the fair debt credit collection act but simply do not care. I am not nor was I ever trying to get out of the debt but I wanted to come to a sensible resolution. At this point the calls have become harassing. Once I brought it to their attention they started alternating between the types of calls ie private and then sometimes from different numbers.