WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted XXXX, XXXX and Experian over the past 3 years via online to remove outdated information on my profile to no avail. Some of these items are over 10-12 years old and should have been removed at year 7. Most of the items have reached the statute barred limitations as well for my state. Additionally, there are some entries on my credit that do not belong to me and should be a case of identity theft and removed as well. I am hoping you can assist with this issue with the credit reporting agencies.
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question.. XXXX XXXX   XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX
I have been paying on the loan for years, and noticed that as I have made payments, they have not been paying to the loan options I wanted to. when I contacted them, they said htey would correct it. I had to call back at least for 3 months in a row for them to readjust how I requested to have my loans scheduled. They also started, out of the blue, posting all my payments to one loan, and none to the others, causing me to get fees. I had to call them each month to make they repost the payments to the correct loans. I also talked to them about how I noticed my interest is not going down on my loan. I have made substantial payments to the loan to get them paid down, and it looks as if the interest amount has not changed as much. This year alone on one of the loans, I have paid over 3k, and my interest has only gone down by approx {$5.00} ( loan started at a little over 7k at the beginning of the year and now is paid down to about 5k. after arguing with them for over a year, I started paying using thier website and forcing it to pay towards the loans of my choosing. after looking thru the payment history, it looks as if the interest is still not posting correctly. I do n't know how to calculate it or to tell for sure, but it just does n't look right. whenever I call to ask them, they can not explain to me how it is calculated. I will be glad to send you any information on my XXXX payments that you want.
My home was foreclosed XX/XX/2016, My property deed was recently reinstated and I have been making monthly mortgage payments since XX/XX/2016 to Ocwen Loan Servicing. The deed has not been reinstated with the XXXX County Register office and the property is not showing in my name. Since Ocwen Rescinded the property foreclosure
The collection - XXXX XXXX XXXX XXXX XXXX have been reporting inaccurate information on my credit report. I made a request to have the information removed and they provided me information showing my signatures. However, this information is from the original creditor which is totally inaccurate in amounts and balance owed. They can not base the inaccuracy they are reporting from a file that was provided by the original creditor. The original purchase was made through XXXX in XX/XX/XXXX, then it was transferred to XXXX, and then serviced by XXXX. XXXX XXXX XXXX is a best collector and does not have all the pertinent facts from XXXX to the time the vehicle was returned to the creditor in XXXX voluntarily, and this was not the arrangements made prior with the creditor in XXXX upon settlement.
My name is  XXXX   XXXX  I have a mortgage with   XXXX   XXXX    Loan  #  XXXX .    Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX . I have recently completed a trial period loan modification and my account has never been past due even prior to me going in to the trial period plan.   According to FHA 's servicing guide servicers are not supposed to report you as being past due if you were current going into the trial period plan. However  XXXX  continues to report me as delinquent. They reported me as being 90 days past due in  XXXX  and 60 days past due in  XXXX . This despite a letter I received from them in  XXXX  apologizing for any past discrepancies and promising to correct my credit report. They suppressed reporting for  XXXX   XXXX   XXXX   XXXX  but then started erroneously reporting again in  XXXX . This has been going on since  XXXX   XXXX . How many times can a servicer wrongly submit info before it becomes negligent and should be punished.
XXXX XXXX XXXX XXXX a collection agency has contacted me via mail and I 've never given them my address. They are reporting fraudulently on my credit report for XXXX, it was removed from XXXX. I was in chapter XXXX the summer of 2013 and did n't discharge until XXXX. The original creditor was XXXX XXXX XXXX XXXX which I rented as part of my Car insurance and they are saying I owe them. Which I do n't because anything associated with this car accident was included in my bankruptcy.
Documentation was sent to Experian listing a request for the deletion of multiple inquiries that were listed on my report in error. I also spoke to someone in their special handling before it was not helpful even though she had my police report that I previously sent. Proof of any signature on an application from me requesting credit. The following are the inquiries that I expect to be removed : 1.XXXX XX/XX/XXXX, 2. XXXX XX/XX/XXXX, 3. XXXX XX/XX/XXXX, 4. XXXX XX/XX/XXXX, 5. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 5. XXXX XX/XX/XXXX and XX/XX/XXXX, 6. XXXX XX/XX/XXXX, 7. XXXX XXXX XX/XX/XXXX, XXXX. XXXX XX/XX/XXXX, 8. XXXX XX/XX/XXXX and XX/XX/XXXX, 9. XXXX XX/XX/XXXX, 10. XXXX XX/XX/XXXX, 11. XXXX XX/XX/XXXX and XX/XX/XXXX, 12. XXXX XX/XX/XXXX and XX/XX/XXXX, 13. XXXX XX/XX/XXXX, 14. XXXX XX/XX/XXXX, and 15. XXXX XX/XX/XXXX. I also have XXXX accounts that I asked for verification on and was refused. I understand that it 's my right to have everything report so I expect for that to happen. The accounts are follows : 1. XXXX, XXXX, XXXX, and connected account number XXXX is showing me having a late payment which is in accurate. I 've never been late on my account so please have that fixed. All I want is for Experian to follow the laws which are set up to protect us as consumers.
on  XXXX   XXXX    XXXX   at    XXXX   XXXX    I was doing what i all ways do every  XXXX  of the month and that 's pay my bills but this time things did not go according to plan the first time i went to pay my rent the trans action would not go threw it kept saying to check with the card holder for more information so I called Direct Express to see what was going on with my card i was told by their customer service rep that a with drawl of {$300.00} and {$500.00} was made from my account on mat  XXXX    XXXX   at  XXXX    XXXX   from a   XXXX   XXXX   XXXX   florida using a du plicate card i was then told to file for a investigation two wa ys the first way was to write down the  XXXX   XXXX   and h and write a letter explaining what happened also put the case no on the letter and sign it so i did that the same day  XXXX  at my local post office i received a tracking number it got there on  XXXX  i was told by a level  XXXX  rep the second way was i could wai t 3 to 5 bus iness day for them to send me the info well on the fourth business day i decided to give them a call about the letter and i was told to wait until the fifth business which is the day that i decide to take further action on  XXXX  i was told when i asked about my handwritten letter that they had never received it and the he did'nt see any information on my hand written letter but on  XXXX  a level  XXXX  agent said that everything was good to go. another thing i experienced was long waiting up to 1 hour i just have to keep calling and calling. a level  XXXX  agent is hard to get on the phone and when i do the are very impatient and disrespectful this is a very untrustworthy bank
Trans Union and XXXX XXXX XXXX failed to validate debt, because Under the laws of the CFPB and KY UCC 9.506 and state RISA and MVISA, I have contacted XXXX XXXX XXXXXXXX myself and have been unable to get them to validate the above referenced debt along with a copy of the required notices by the KY UCC 9.506. 
I have requested information on how the debt was verified by Trans Union along with the supporting documentation that they have I have enclose copies of my requests to Trans Union and XXXX that was sent XXXX XXXX, 2017, asking them to validate my debt, along with proper notices required by KY UCC 9.506. I have also included copy of the original tracking receipt and confirmation of delivery. I was given no response by XXXX to validate the debt or Trans Union
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put me at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
I contacted wells Fargo via in reference to a charge in the amount of XXXX made on XX/XX/2018 at XXXX XXXX. I advised them that I was at the store on XX/XX/XXXX and made a charge in the amount of XXXX. I also contacted the store and they advised me it's a mistake. Wells Fargo cancelled my card and issued me a new card. However they did not issue me a temporary credit while attempting to retrieve a sales receipt. Yesterday I received a call stating that my case is closed since I had possession of my credit card. I advised them I do have posession however I was not at the store on XX/XX/XXXX. I contacted the store manager XXXX XXXX and he advised that it may be employee fraud. He reffered my cases to his loss prevention dept. I am at a loss now. Wells Fargo is refusing to help me.
I have not been able to find out any information on my mortgage account for years. 
Every time I try to speak to someone to someone At Wells Fargo concerning my account they give me a story. They say I am in litigation of someone else is on my account and they ca n't speak to me. They have had me locked out of my account for years. I have been served with foreclosure papers, but Wells Fargo would not allow me to qualify for the needed help.
XXXX XXXX now Navient : 1 ) Collected {$5400.00} during my Chapter XXXX process, and credited me for {$300.00} only. 
2 ) When Chapter XXXX was completed successfully in XXXX 2009, i put it on direct payment. Since then they have been collecting {$200.00} every month. Have now paid {$14000.00}. 
3 ) My credit report says I owe {$29000.00} still. 
4 ) Navient says my payments are for 20 years! So they say my last payment will be when I am XXXX. 
5 ) If I ask for a payoff amount, they say {$28000.00}. 
6 ) Years ago I asked them about the forgiveness program for government workers & they said I had to be paying them for 10 years before I could even get into the program. When I retired 3 years ago, I had given XXXX 29+ years of service. 
Nobody wants to help me. I am so disheartened. 
Please help me! I just want a fair accounting. My loan is 4.875 %
IQ DATA INTERNATIONAL IN and XXXX XXXX is reporting negatively on my credit report even though the account was charged off and written off on the companies taxes.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX RE : Wells Fargo Bank, N. A. Account Number XXXX XX/XX/XXXX Sirs : You seem to ignore the inadequacy of the responses that Wells Fargo gives to my complaints as to the XXXX XXXX XXXX  Promissory Note ( now XXXX ). Another Consumer Financial Protection Bureau complaint has been inadequately responded to by the client, yet the foreclosure suit proceeds against me. 

My initial letter to you received a reply letter in which Wells Fargo begged for more time to research until XX/XX/XXXX. 

In the meantime, XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX, XXXX has filed a Superior Court motion, seeking payment in full of the entire original mortgage amount ( XXXX )! 

In a previous filing, I have shown that the loan was settled in full ( Please see on Pg 76 of the accounting report XX/XX/XXXX Investor Full Settlement Payment {$270000.00}. ) Please explain also explain the eighteen ( 18 ) Misapplication reversals. 

Please explain why the nice round numbers of my huge prepayment checks are not accounted for as such XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} Wells Fargo is engaging in predatory lending practices against me. They proceed with foreclosure lawsuits even though loans have been prepaid in full. 

I demand a full retraction of the suit against me until such time as the accounting discrepancies have been explained. I can not afford the {$170.00} filing fee just to explain why this suit was filed in egregious error by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Sincerely, XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) https : //www.consumerfinance.gov/complaint/ Wells Fargo Home Mortgage Attn : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NJ XXXX
In XXXX, my husband and I started a debt reduction program to regain control of our finances. Around XXXX XXXX, XXXX our XXXX XXXX credit card debt, in the amount of {$11000.00} was purchased by Portfolio Recovery Associates and placed with an outside collection office, representing themselves as an attorneys office and threatening legal action. This attorney was XXXX XXXX XXXX located in XXXX, Texas. The rep handling our account was XXXX XXXX. In XXXX XXXX, we were able to settle with this office for the reduced amount of {$4600.00}. We started to receive threatening calls and mail from Portfolio Recovery Associates in XXXX. We wrote to the credit bureaus disputing this collection and reports to our credit. We also attempted to speak with Portfolio Recovery Associates without luck. The " attorney '' who originally handled the collection has since filed for bankruptcy after some pretty shady practices and I ca n't find an active number for him. Portfolio Recovery Associates is attempting to collect the remaining balance of {$7400.00}, even though a settlement was reached and paid. We have no idea what to do at this point.
I got a copy of my credit report and noticed a negative reporting from an unknown company ( Southwest Credit ) I disputed this debt with the credit bureau, because I do not know of this debt, who its from, when account was opened, and even if it is indeed my debt. I never received a debt collection letter from Southwest Credit giving me a chance to dispute or verify the debt, before they went and reported negatively on my credit report. 

Where did this debt come from, when was the account opened, where was correspondence sent regarding this debt, who is the original creditor, and I would like proof ( application, signed by me ).
I HAVE A FORECLOSURE SALE SCHEDULED FOR XXXX/XXXX/2015. I HAVE APPLIED FOR MORTGAGE ASSISTANCE, BUT BECAUSE OF SLOPPY AND INCOMPETENT PROCESSING OF MY REQUEST FOR ASSISTANCE I WAS DENIED. I DISCLOSED ALL MY INCOME INCLUDING RENTAL INCOME AND TRUST INCOME. THE RENTAL AND TRUST INCOME WAS NOT CONSIDERED IN THE UNDERWRITING DECISION. THIS INCOME WAS IGNORED AND I WAS DENIED. I WAS TOLD THAT DESPITE THE FACT THAT I FULLY DISCLOSED ALL MY INCOME I WOULD NEED TO RE-APPLY FOR THEM TO CONSIDER ALL MY INCOME WHICH WOULD INCLUDE THE RENTAL AND TRUST INCOME. IN ADDITION, I HAVE NOT RECEIVED A WRITTEN DECISION NOR HAVE I BEEN PROVIDED A 30 DAY APPEAL PERIOD. INSTEAD, I HAVE BEEN GIVE A FORECLOSURE SALE DATE. MY SERVICER, RESIDENTIAL CREDIT SOLUTIONS, PREFERS TO PROFIT BY ANY AND ALL MEANS - EVEN IF IT MEANS TRAMPLING ON THE RIGHTS OF HOMEOWNERS AND VIOLATING THE LAWS.
I  had a change in bank accounts. In   XXXX   XXXX  , I filed paperwork to have my autopay account changed to my new account. The change was never made. I called in  XXXX  and a representative told me the paperwork was received and she was unsure why it was never processed. She assured me that she would make sure it was processed. However as of this date, it has not been processed. I have had overdraft issues in the checking account that I am trying to close because   XXXX   continues to pull my payment from my old checking account. I do n't have the option of taking my business anywhere else due to the fact that it is a Federal Student Loan. All I want is to be able to continue making my payments to the appropriate checking. I think an over 4 month processing time is ridiculous considering their website states that it takes 10 days to process.
There is a withdrawn  Federal tax li en still showing on my report that was withdrawn i n   XXXX   XXXX   2017.  On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the IRS withdrawl form ( which I will also attach here for you ). I have also verified with   XXXX   XXXX  , KY that the lien withdrawal has been recorded. Equifax continues to improperly report the lien and refuses to recognize the withdrawal.  XXXX  removed the lien from my credit report immediately and  XXXX  is investigating
They called me saying I had debt. I have no debt. They call the company Portfolio Recovery Associates and they are in Virginia. Their number is XXXX. The call came on or near XX/XX/18.
On XX/XX/2014, this debt for {$1600.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
We moved out of our apartment in XXXX. We left the apartment immaculate, even cleaning behind the oven and vacuuming our way out of the apartment. 

Several weeks later the apartment management presented us with a bill for " repairs '' that was full of mistakes and most of the items included were false and/or in violation of the Texas Property Code. In other words, almost all the charges were for things we either did n't owe or were for things that they could not charge for by law. 

We attempted to resolve with the apartment management, but they refused to remove the wrong / illegal items. Instead they sent it to collections. 

This is causing us serious financial and XXXX. We are in the process of closing on a house and the closing is held up because of the disputed collection on our credit report. Additionally, this is causing us to incur higher interest rates and fees and will cost us thousands of dollars. 

The collections agency filed a collection on our credit reports. We have attempted to resolve via the proper channels : XXXX/XXXX/XXXX : we sent letters to the XXXX credit bureaus per the FCRA to dispute the information and request them to validate the data. All XXXX responded that they investigated and that the creditor says it was valid. When called to discuss, the credit bureaus said " you need to have the collection agency remove. We just ask them if it is valid. '' XXXX/XXXX/XXXX : we sent a letter to the collection agency per the FCRA and FDCPA asking them to validate the data. They replied that the creditor said it was valid and sent us copies of the lease and the form showing the illegal/wrong charges. They provided no proof. 

XXXX/XXXX/XXXX : we sent a letter to the collection agency per the FCRA and FDCPA stating that what they provided was not proof. It also clearly stated what was incorrect or illegally reported, and requested they remove the improper charges and remove the collection from my credit reports. They replied on XXXX/XXXX/XXXX that the creditor contends the charges were valid and resent the same information from their previous letter. No proof was supplied. 

XXXX/XXXX/XXXX : we sent a letter to the XXXX credit bureaus per the FCRA to inform them that we asked the collection agency to validate the debt and remove if incorrect, and that the collection agency could not do this. We requested they remove the collection or we would file a complaint with the FTC and/or pursue legal action.
Hello.I complained several times to cfpb about my mortgage lender XXXX ( loan servicer ocwen ) .they didnt approved us for HAMP modification of their own.XX/XX/XXXX up to XXXX XXXX ocwen took several HAMP Application from us, but never approved us for hamp.why ocwen is telling cfpb.mha, hamp solution they gave us hamp tier XXXX and we failed to pay, or didnt sent the agreement documents on time or pages were missing from agreement, etc. ocwen gave us previous lender ( Indymac Banks 's ) hamp modification which we refuse to accept, because it was not affordable payment.. .then ocwen put our home in sheriff sale XXXX/XXXX/XXXX and made us file bankruptcy .it ruined our credit. ocwen put our home in sheriff sale again on XXXX. they took another trail payment amount of {$2400.00} on XXXX/XXXX/XXXX for XXXX modification ( which has conditions in it ) .why ocwen is not giving us hamp.. please let us know what ocwen is trying to do to our home. ocwen is keep saying we rejected the hamp in the past and it was not from ocwen. since XXXX we are trying to get home affordable modification. both lenders were keep excusing to offer us home affordable payment modification program. both banks know they dont lose any thing, but we do. I put this matter in president obama 's attention twice.thanks..previous lender gave fraud loan on false income documents.this lender wants to sell my house.
Ad Astra Recovery and XXXX XXXX sent in a collection that is not mine. My SS and my daughter SS was taken. I never was verified in writing of this debt and needs to taken off the report XXXX XXXX XXXX I was called a man name XXXX XXXX stating he was coming to my home and serving me in XXXX XXXX. He used abuse language and he was coming to my home. I called the police. This is also an illegal and possible civil suit