WillisBack/dataset-financial-user-claim huggingface dataset:
My identity has been compromised and the aftermath of this has left me with unauthorized activity involving my credit report. I recently disputed the activity and the credit agencies investigation came back verified. My question now is verified by whom, and when and how. What was the Method Of Verification.  And in accordance with FCRA I'm requesting the details of the Method, or the following inquiries shall be removed immediately. The following inquiries are, 1 ) XXXX XXXX XXXX, ( XXXX ) ( XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX  XXXX ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX  ( XXXX ) 11 ) XXXX ( XXXX )
Between XX/XX/2018 and XX/XX/2018, your DEPT OF ED/NAVIENT student loan account balance increased by {$3600.00} from {$3200.00} to {$6900.00}. 

i dont understand, they keep playing with my information it goes up and down and they always want more. i cant pay this also ive paid thousands of dollars in student loans already, also never finished the program. i dont understand why they want more and more. it is impossible and i have my loan on forbearance and yet they over charge when its suppose to be frozen out my account for a year. 

can they just keep over charging people because they want to. 

ive called and all i get is hung up on ..
WF XXXX continues to report that ( XXXX ) accounts are currently 120+ days past due. This is false. They were CLOSED and SOLD, transferred nearly 5 years ago. My current XXXX report shows I am 120+ days past due in XXXX 2015. This is wrong and is severely impacting my credit.
EARLY WARNING SERVICES IS NOT IN COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT! I SENT EWS A DISPUTE LETTER ON XX/XX/2018. REFLECTING ALL 3 NEGATIVE FRAUDULENT ACCOUNTS FROM XXXX XXXX XXXX I HAVE NO KNOWLEDGE OF. EWS RESPONDED TO ME STATING " THAT THE FOLLOWING ACCOUNT WAS VERIFIED '', BUT THEY HAVE NO PROOF OF THE ORIGINAL CONTRACT, OR 100 % ACCURACY FROM WHAT THE RULES AND REGULATIONS STATE WITHIN THE CONFINES OF THE FCRA LAW. YOU ARE NOT ALLOWED TO TARNISH MY NAME, REPORT INACCURATE INFORMATION, THE REPORTING OF THESE FRIVOLOUS OR FRAUDULENT ACCOUNTS IS AFFECTING MY CREDIT WORTHINESS AND I WILL TAKE FURTHER LITIGATION AGAINST THE COMPANY EWS!
I had a {$5000.00} credit limit with TD Bank for over 10 years. I was late on paying my account and they lowered my credit limit to {$500.00}. That lowered my credit score and now looks bad. I was n't even 30 days late.
I submitted a complaint back in XX/XX/XXXX and spoke to someone at XXXX XXXX. That's how it was listed on my credit report then. Now it is listed on my credit report as XXXX. It was investigated by y'all, Equifax , and XXXX , and found that it was NOT my account and it was removed! Now it is back on there under XXXX. This is the SAME account that was listed under my credit report for the last 4 years under XXXX and three other collection agencies because it is not now nor has it EVER been my account. They even sent me an email and called and said that it was not my account. I want this taken off of my credit report. NOW!!!!!!!
I requested a mortgage payoff from Chase bank for my FHA loan. I will pay of the mortgage this month and I am being charged PMI fees of {$240.00} for mortgage insurance for the month of XXXX and XXXX when the loan is being paid off in XXXX.
Equifax continues to report credit card account information that is older than XXXX years. After I disputed the report, Equifax stated their investigation conclusion as " This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. Date of Last Activity : N/A '' It 's not possible to verify 'N/A ' as a date. The attached document is a prior credit report indicating this account was due to stay on the report until XX/XX/2015. Once XXXX passed, " N/A '' was substituted for an actual date, and the account remains on the report. I believe no investigation occurred and information older than XXXX years is still being reported by Equifax, despite being removed by both XXXX and XXXX.
I pulled my credit report a few days ago to see why I was not getting approved to rent a house. I saw on all of my credit reports that Bankruptcies were being reported on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds or the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The XXXX Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. 
If XXXX can not validate this information per FCRA 623 ( a ) ( 5 ) they will need to remove all Bankruptcies Permanently from my social security number immediately.
So I pulled up my account on  XXXX  and I noticed  XXXX  hard inquiries on my report within the last 6 months. Half of them I do n't even recognize or was pulled without my consent. I do n't even know what  XXXX  is to begin with. There are way too many inquiries from   XXXX   XXXX  . I do n't have an account with  XXXX   XXXX   XXXX ,  XXXX   XXXX , or  XXXX   XXXX . Because of this I ca n't get approved for a new credit card that has good approval ratings as I have too many inquiries created in an abnormal amount of time or get a loan. I have been paying my card back on time every month so m y credit score shou ld n't be  XXXX . It should be well over  XXXX  or  XXXX .     I will list them below :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
WE fell on hard times with our business, we asked flagstar to give us a lower payment, or sometime to recover, instead they kept us in a crazy loss mitigation for more than 1 year, and instead of lowering the payment, they made it almost {$1000.00}. more because they added all of the back payments, interest and late fees. 
We love our home, we are trying to get back on our feet, but now we 're 4 payments behind again, and we 're now trying to sell the home because we ca n't take the XXXX anymore, but the mortgage is now so high that I ca n't sell it for what I Owe. 
Flagstar did not help us they, are preying on us and the fear of foreclosure.
On XX/XX/24 I opened an account on line with Regions bank and was assigned an account number, and I also signed up for on line banking. I also funded the account with a {$50.00} opening deposit. Later that afternoon, I stopped in to a local branch and picked up two debit cards and assigned PIN numbers - one for me and one for my wife. I also activated these cards. The next day, I attempted to deposit {$200.00} in cash. That deposit was declined. I then tried to use the debit card at my dry cleaner and it was declined. I called the customer service line and after being transferred to various people who could not help me I was told that a block had been placed on my account by a local branch and only that branch would help me. Today, I was able to speak with someone at the branch and they told me that the account was closed due to a report of fraud. No other explanation was provided to me. I was told I would receive a letter and was told to call something called " XXXX XXXX XXXX ''. When I asked for that number, I was told I could look it up myself. 

This process seems backwards. Why would a bank allow me to open an account, fund it, change my direct deposit and then two days later close it without a detailed explanation?
I chose the option closest to my situation. I find myself in a unique situation. I have been traveling extensively for work and admittedly did not pay close attention to my bank account statements. XXXX XXXX notified me that Since XXXX of XXXX, there was a ACH debit charged to my account monthly for a XXXX XXXX Credit Card through XXXX XXXX totaling {$1000.00}. I called my bank and they disputed charges from the last 60 days. I cancelled my Debit Card with XXXX XXXX and ordered a new one. I then contacted Synchrony Bank on XX/XX/XXXX letting them know what was discovered. On XX/XX/XXXX, XXXX XXXX verified that I do not have any credit cards opened in my name and that I needed to fax a statement and proof to their fraud department. I did so, and was informed that I needed to dispute the charges through XXXX. I explained that XXXX XXXX XXXX policy is that they will only credit erroneous transactions for the last 60 days. I was then told by XXXX XXXX XXXX Fraud Department that they would not reimburse me for charges erroneously made and to see if I could get XXXX to extend the 60 days for credits.
United Security Financial is the most deceptive company I have ever dealt with. I have had to contact them about XXXX times in the past XXXX months. Seldom do I get a call back, never do I get a voice mail, they blame there sub-servicing company XXXX XXXX and have me contact them directly. My latest issue is that I paid my XXXX XX/XX/2015 payment on there web site over a week ago ( XXXX ) and yet it does not appear as paid online and the money has not be drafted from my credit union. I called USF and talked to XXXX XXXX on XXXX to inform them of the problem. He indicated he would look into it and get back with me. XXXX days later I have not heard a thing. I submitted an online request asking to have it looked into ( on XXXX ), and no response. This is the pattern for this company which is why I am issuing this complaint.
I disputed a judgment and  XXXX  collection accounts on my credit report with each of the   XXXX   consumer credit reporting agencies :  XXXX ,  XXXX , and Experian.   XXXX   immediately removed the errors from my credit report and increased my credit score appropriately.  XXXX  removed the inaccuracies a week later but did not increase my credit score appropriat ely. Experian wo uld not let me dispute the inaccurate judgment online, I had to call and speak to several people, and finally was given the ability to submit my dispute over the phone. 24 hours later I received notice that the inaccurate judgment was removed but my credit score was not appropriately increased. I am still waiting for Experian to finish their investigation of the inaccurate collection accounts and I was told over the phone that their process of investigation is simply asking the company that reported the information whether it is correct or not. They told me they do n't require any evidence, only a verbal confirmation and they do n't actually do any investigating at all. I was shocked and felt quite powerless hearing this news.
 <P/>  I know the judgment caused my credit score to go down and I feel it should go immediately up after being removed especially since it was an inaccurate negative mark. I also know the same to be true with the  XXXX  collection accounts.
 <P/> I w ould like help getting my credit score appropriately increased right away after the inaccurate judgment was removed, and the inaccurate collections were removed. I do n't think it 's fair that I finally got the inaccuracies removed but they are not increasing my score with the removals. It 's already caused me to not qualify for my refinance loan and I am feeling powerless against  XXXX  and Experian refusal to correct their inaccuracies.   XXXX    was the only reporter that appropriately increased my score with the removals.
This company has been harassing me on my mobile device and calling my place of employment, they have been threatening that a locator has been looking for me and they are trying to take me to jail because the loan was not paid off. The reps in which Ive spoken with today XX/XX/2018 were very rude and told me that the company WILL receive their money by any means. I am very disappointed that they are and have been harassing me like so. I asked the rep how much did i owe she gave two different amounts in which one amount i have no clue of. I asked about an installment plan but she was beyond demanding about receiving my funds after me telling her that Im unable to pay at this moment. Also i havent yet to receive anything in writing from this company demanding money.
This matter revolves around a medical bill from XX/XX/XXXX that insurance after a lengthy battle did not cover the cost. I paid the XXXX bill in full XX/XX/XXXX. When I paid it, I inquired about having it removed from my report as it was hurting my score and it was medical related, not like a car repo for example. The manager was very nasty on the phone and claimed since I inquired with them about the bill when they put it on my report XX/XX/XXXX that they did n't have to provide any verification of said debt in writing as required by law and requested by me more than once.Her exact words were " If you dispute this file or complain about us we will make it very hard on you. '' ( This was after payment made ) For the last 2 years this collection read on my report as ND ( no data ) causing damage, but minimal.upon payment it is now listed as a fresh new collection dated XX/XX/XXXX under reported since, payment history and account history where it now is causing considerable damage to my score. on top of all that they keep updating it to say Collection account instead of medical as it really is, they list it as delinquent from the date I was in the hospital. They also list the terms of agreement as 1 month. all these should be marked n/aThey also refuse to remove the comments from the account calling it a collection in dispute, making me unable to get a mortgage because of those comments and them making it look like a fresh collection.
To : Consumer Financial Protection Bureau From : XXXX XXXX XXXX Date : XX/XX/XXXX My mortgage was previously serviced by XXXX XXXX. My loan was sold to Nationstar Mortgage in XX/XX/XXXX.  This is an official complaint against Mr. Cooper ( formerly known as Nationstar Mortgage ). 

As a resident of XXXX XXXX County, Maryland, I applied for the annual property tax afforded to those of certain income brackets in the county. Every year, since I purchased my home in XXXX, I have applied for the Homeowners Property Tax Credit and it has been granted. Homeowner 's Property Tax Credit is for homeowners who qualify on the basis of household income. I meet the criteria. 

Since Mr. Cooper started serving my loan in XX/XX/XXXX, they have refused to acknowledge the awarded Homeowners Property Tax Credit tax credit. XXXX XXXX County awards the Homeowners Tax Credit and then reissues the tax bill after the tax credit has been applied. When the Homeowners Property Tax Credit is awarded, I have send a copy of my adjusted tax bill (  received from XXXX XXXX XXXXounty, Department of Assessments and  Taxation ). The adjusted tax bill provides a line item for the property tax credit. The purposed of the Homeowners Property Tax Credit is to reduce the property taxes of residents by income. What is the purpose of getting the tax reduction if the mortgage company refuses to apply it to my Escrow Account. Each time I call Mr.  Cooper, I am told that my taxes went up so thats why I dont see the Homeowners Property Tax Credit on my Escrow Analysis or they instruct me to apply for the Homeowners Property Tax Credit. The Escrow Analysis from Mr. Cooper will show payment for the County Tax, Homeowners ( Hazard SFR ) but never the Homeowners Property Tax Credit. The credit could be as high as {$1500.00} so where is the money being applied? Where is the money? For the record I also receive an annual Homestead Tax Credit ( which I apply for each year ), but it has NOTHING to do with the Homeowners Property Tax Credit.

Because of the lack of competence by Mr. Cooper regarding this matter, my mortgage keeps increasing because Mr. Coopers analysis shows a consistent short fall in my Escrow Account and that should not be. I have asked for a full audit and have yet to receive one. It is my right as a consumer to ask for an receive a full audit of my Account and my Escrow Account. 

I am XXXX and on fixed income. I have enough against me as it is without Mr. Cooper stealing from me. I can not afford to have my mortgage going up and down like a roller coaster. This level of incompetence is unacceptable on so many levels. I am requesting the Consumer Financial Protection Bureau conduct a full investigation to determine where Mr. Cooper has failed me and that determine restitution due me. I have reviewed other complaints against Mr. Cooper filed on your site and they should not be allowed to continue to take advantage of consumers as they have in the past. I implore you to do something. I thank you for any assistance to could give me. 

XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX is reporting a charge off auto loan on my credit with a balance. 
I have called and repeatedly ask for this debt to be remove, they have not supplied me with an itemized statement or signed loan original paper work. I would like this removed from all 3 credit bureaus.
Experian is not allowing me to lift the security freeze on my credit report. I have tried having the security freeze lifted by using Experian 's website and by mailing in a written request but have not received a response.
Like many USAA members, last fall I received an email offering a {$200.00} statement credit if I would open a new USAA MasterCard account before XXXX XXXX, 2015 and make XXXX purchases by XXXX XXXX, XXXX. My credit rating is well over XXXX, and I get lots of credit offers, which I usually ignore. This XXXX got my attention since it was a decent bonus, and was sponsored by, and came from, USAA. While I certainly did n't need another card, I took the bait and applied. I met ALL of the requirements in a timely manner, but after many months my {$200.00} credit never showed up. 

After XXXX unproductive, yet lengthy, phone calls to USAA, I finally received a call today explaining that the card I applied for ( by clicking on the button in the email!! ) was not the 'correct ' card to get the promo credit. Apparently I was issued a " Cash Back '' card, not a " Reward Points '' credit card. 

I have printouts of the offer email, and the fine print, and the screens used to apply for the card. I have supplied these to USAA via email. The card I have in my hand looks just like the XXXX in the offer email. If I did not apply for the 'correct ' card, it is because USAA 's online system took me to the wrong place to apply. 

There is no dispute at all by USAA that I met all of the requirements to 'earn ' the {$200.00} credit ... .simply that I was n't issued the 'correct card. ' This is USAA 's mistake, not mine .... 
The young man on the phone today played the 'there is no one else to escalate your issue to ' game when I told him his 'final resolution ' was ridiculous. That in and of itself is completely unacceptable and well beneath the dignity of the USAA organization.
Our experience, like many other Dovenmuehle consumers who are widely complaining about the company on internet review sites, started with Dovenmuehle purchasing our mortgage. 

We did not choose to do business with this company, but were forced into a business relationship with them. They immediately got our monthly payment amount wrong in the first month of purchasing the mortgage XX/XX/XXXX. It required a dozen phone calls to get the corrected payment amount recorded on our statements. Due to their error of sending the wrong initial payment amount, our first couple of payments were not being applied to the mortgage, but sitting in an escrow hold. When we identified the problem of the billing amount being wrong, they corrected the problem but still charged us a late fee for our payment made in the incorrect amount, even though it was made on time. This late fee was ultimately removed after several phone calls. 

Fast forward over a year later to XX/XX/XXXX, we made our monthly payment via our bank 's bill pay, but accidentally switched 2 digits while typing in the payment amount. This typocreated a short payment amount which we immediately corrected once we were notified. We apologized for the honest typographical error and made the necessary payment to correct the payment shortfall. The resulting {$92.00} fee was not removed because we were told that " Dovenmuehle has a ONE-TIME courtesy late fee waiver policy over the LIFETIME of the loan. '' We appealed that the payment was NOT late or delinquent, but sent in the incorrect amount due to an obvious typo resulting from switching 2 digits while typing the amount into an electronic bill pay system with our bank. Their answer was too bad, the fee is valid.

I have never worked with a company with such complete disregard for their customers. There exists a huge list of complaints online with situations very similar to ours. This is evidence that they continue to treat consumers poorly and continue to get away with it. THIS MUST  STOP!!!
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
There is an old student loan that I have been paying on my son 's behalf for many years, the monthly payment on this loan is authorized to be debited from my checking account for credit to his student loan account with Navient. My son went back to school to finish his degree 2 years ago, and again borrowed money through the XXXX program to finance his last semester of college. At some point, the SECOND loan became past due, and my son thought he had worked out an acceptable payment plan that would n't burden him financially. 
Imagine my shock when I opened my bank statement this afternoon to find an UNAUTHORIZED ACH debit entry on my checking account for {$730.00}! Apparently, someone at Navient queried my son 's name/SSN found MY bank account information and initiated the payment WITHOUT authorization or notice of any kind.