WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX HAS DONE A WONDERFUL JOB SO FAR IN UPDATING MY CREDIT REPORT EACH MONTH ON MY PAYMENTS BUT RECENTLY I LOOKED AT MY CREDIT REPORT BACK IN XX/XX/XXXX AND I AM STILL MISSING SOME PAYMENTS ON MY ACCOUNT. I CALLED IN AND TALK TO REPRESENTIVE ABOUT IT AND I FELT I WAS GETTING THE RUN AROUND AND THE LAST TIME I DISPUTE ON LINE WITH THE CREDIT BUREAU MY CREDIT REPORT DIDNT GET UPDATE D CORRECTLY. SO I WANT TO MAKE SURE ALL OF MY PAYMENTS THAT I HAVE MADE ARE SEEN ON MY CREDIT REPORT. THE ISSUE I AM HAVING IS WITH MY EQUAFAX CREDIT REPORT. MY XXXX AND MY XXXX XXXX CREDIT REPORTS ARE UPDATED CORRECTLY. I HAVE ENCLOSED A COPY OF MY STUDENT LOAN ACCOUNT THAT SHOWS MY PAYMENT HISTORY AND MY CREDIT REPORT. THE DATES THAT ARE IN QUESTION ARE AS FOLLOW IN XX/XX/XXXX AND XX/XX/XXXX.  I MADE A PAYMENT FOR THOSE MONTHS AND ON MY CREDIT REPORT IT SHOWS A NR FOR NO REPORTING OR NO PAYMENT. THAT INCORRECT, THAT NEEDS TO BE UPDATED CORRECTLY AS SHOWING PAID AS AGREE FOR THOSE MONTHS .SECOND MY CREDIT REPORT ON THE MONTHS ON MY EARLIER DISPUTE WAS NEVER UPDATED ON MY EQUAFAX CREDIT REPORT. I AWHILE AGO I WAS WONDERING WHY WOULD THERE BE SHOWING A NR FOR NO REPORTING ON MY EQUAFAX CREDIT REPORT BUT THOSE MONTH I HAVE MADE A PAYMENT. I MADE A PAYMENT ON THE MONTH IN QUESTION XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX WHICH SHOWS A NR ON MY CREDIT REPORT ON MY  PAYMENT HISTORY WHICH NEEDS TO BE UPDATED SHOWING PAYED AS AGREED, SO I AM MISSING 8 MONTHS OF PAYMENTS ON THIS ACCOUNT ON MY PAYMENT HISTORY. SECOND ON THE ACCOUNT XXXX XXXX XXXX I WAS LATE ON XX/XX/XXXX WHEN WOULD THIS COME OFF MY CREDIT REPORT TO PUSH THIS ACCOUNT INTO POSITIVE ONE ON MY CREDIT REPORT.
I received a call from customer service at TJX Rewards Card/XXXX XXXX to confirm some charges on my account, and after speaking with him I realized there were quite a few fraudulent charges on my account, and he removed the charges and issued another credit card to me. I also had to submit a fraud claim and the fraud claim was denied as the bank said I benefitted from the charges, which is not true. I wrote the company a couple of times. I requested back up of these charges because I wanted to check the signature. The signatures do not match. Coincidentally, a fraudulent credit card ring was captured in my area not too long after the charges were made and they were housed in the area in which some of the charges were made. I 've closed the account and I wish to pay XXXX XXXX for the charges that I made, not these fraudulent charges. I have quite a few credit card accounts, and have no reason to make fraudulent charges. I would like the fraudulent charges removed from account as well as interest associated with those charges. I would like to know what my final bill is and pay it off immediately.
In XX/XX/XXXX I obtained a home mortgage loan with XXXX XXXX XXXX XXXX ( XXXX ). A credit report inquiry by XXXX revealed one derogatory line on my credit report ( Item 29 XXXX : see attached ) that was incorrectly still present in my record despite the fact that this debt was satisfied ( paid off ) and signed off by the County Judge ( Order of dismissal with Prejudice ) one year prior ( XX/XX/XXXX Court Order : see attached ). 
I attempted to dispute and resolve this issue directly with the Credit Reporting Agencies with no success. 
I am about to apply for a new home mortgage loan and before I do that I would like to ensure that this derogatory line-item is permanently removed from my file with all 3 major credit reporting agencies. 
I am reaching out to CFPB to help me solve satisfactorily this issue. 

Thank you. 
XXXX XXXX, Consumer
The first call came about 1-2 weeks ago from Revenue Group claiming I owed a medical debt for the XXXX XXXX. I told him it was an error, and I told XXXX . XXXX then to Stop Calling Me, and even prefaced Stop Calling Me with the statement of Now That I'm Saying This You Must Abide ... STOP CALLING ME. 
He called again today, XX/XX/2018 at XXXX. I recognized his name, XXXX. I reminded him that I already told him to stop calling. He says " well i don't see anything in my notes ''. I told him It's not my fault if he neglected to note that, and now he's in violation of federal law. He tried to argue with me, but before he could I told him to XXXX XXXX and hung up. 
Those calls are on a recorded line.
On XXXX XXXX, 2017, I sent Transunion a letter disputing multiple inquiries on my credit report that I did not authorize and that I have no knowledge about. ( please see attached letter # 1 ) I then received a letter from Transunion stating that the items that I was disputing was not on my Transunion credit report. ( please see attached letter # 2 ) I called Transunion on XX/XX/2017 and spoke with a supervisor named XXXX. She informed me that the inquiries were on my Transunion report. <P/>I am totally disappointed in Transunion for sending out false information.
According to my credit reports, Ditech is reporting the following negative information to all major credit bureaus : 1 ) Late Payment - XX/XX/XXXX 2 ) Late Payment - XX/XX/XXXX I have never been late on payments. With regards to the supposed late payment for XX/XX/XXXX, on XX/XX/XXXX a representative of Ditech stated that the late payment record ( XX/XX/XXXX ) will be removed from all credit bureaus and any fees associated with the late payment record will be refunded/credited as the payment was never late. 
With regards to the supposed late payment for XX/XX/XXXX, that payment was never late. The late payment record was caused due to Ditechs fault because of the following : For the month of XX/XX/XXXX, I mistakenly initiated a double payment. I made the mistake of making a payment twice. Because of this I contacted my bank to make a stop payment request for one of the duplicate payments. After that I contacted Ditech to notify them of the double payment and to inform them that I contacted my bank to stop the duplicate payment. Ditech assured me that this wouldnt be an issue and that they will take care of it on their end to make sure that I dont incur a returned payment fee. Well it turns out that Ditech refunded me for the payment that was not going to be returned by my bank ( the duplicate payment was stopped by my bank ) without my authorization. Because of this, not only did I incur a returned payment fee by Ditech, I also incurred a late payment fee by Ditech because Ditech refunded one of the duplicate payments without my authorization. I believe Ditech did this on purpose in order to charge me 2 fees ( returned payment fee and late payment fee ). As soon as I learned that Ditech refunded 1 of my payments without authorization, I made a payment to my account since it was considered past due because of Ditechs unauthorized refund of one of my payments. 
I DID NOT REQUEST DITECH REFUND ME FOR ONE OF THE DUPLICATE PAYMENTS.
I have sent letters to all the companies to remove hard inquiries. The refused to remove them. I have also sent in an investigation application to the credit bureaus and have no word about it. Their has been identy theft with my email address
XXXX its in collections when i paid off the phone i was not under no contract but there charging me on that back in 2012. XXXX its also in collections i paid them for 12 months after that in XX/XX/XXXX i cancelled it after the 13 month.there both in collections i try speaking to them when they call all they do is harass me saying they need there money!
On or about XX/XX/2017 - I applied for Chase Saphire Card. I have credit score of XXXX. But my card is rejected it seems. How come they can reject my application even with this high credit score? Moreover this application hit my credit score by XXXX points.
I recently did a lease buyout on my XXXX vehicle. Both the dealer and Nissan/XXXX  XXXX, who the loan was with, told me not to make my last payment as it would be paid through the lease buyout. I asked them repeatedly if they were sure and it wouldn't affect my credit. They both assured me that it would not negatively affect my credit. Unfortunately, it has been reported as a late payment and severely impacted my FICO score. I would like this 30 day late payment to be removed from my score as it is not accurate per their direction, from the actual creditor who informed me not to pay it as it would be paid by the lease buyout.
Midland funding has 2 fraudulent collection accounts on my credit report. One for {$740.00} and one for {$590.00}. They report as delinquent derogatory accounts on my credit report every month. They update as negative accounts every month against me. I have filed several disputes with the credit bureaus for the last 3 years and they have not taken any action. These are fraudulent accounts that I do not owe and that are not mine. They haven't proved or provided any agreements or contracts signed by me. They just ignore my disputes and keep on ruining my credit profile every month
My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. Ive advised ABILITY RECOVERY SERVICE of this. Ive disputed the validity of all of these accounts with ABILITY RECOVERY SERVICE several times to no avail. ABILITY RECOVERY SERVICE refuses to provide me with the documentation Ive demanded them to provide me with, in order to validate this debt is mine without a shadow of a doubt. They sent me a letter that does not contain my actual wet ink signature. They have no proved this debt to be mine and yet the refuse to do the honorable thing and remove. If they continue to refuse do as I demand. I will file a lawsuit against ABILITY RECOVERY SERVICE.
On  X/XX/  2017 an d on  X/XX/  2017 I ma iled certified letters to      XXXX   XXXX   XXXX   XXXX    asking them to validate this debt that they say I owe {$7600.00} In validating this debt I requested validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. And that if they could n't they need to follow the FDCPA any debt that ca n't be validated you must request that all credit reporting agencies delete the entry. Well on  X/XX/  2017 I s ent a certified letter to   XXXX    XXXX  explaining my attempts in getting    XXXX   XXXX   XXXX   XXXX    to validate this debt and asked them to do so with proof that debt belonged to me. Well even contacting  XXXX  still no sucess. In fact attached you will see that they violated the FDCPA by not marking it as disputed within 30 days a violation of {$1000.00}
On XXXX, I discovered that Fidelty Creditor Service had placed an collection on my credit report. I called to find out who they are and what I owed for. Was told it was for a dental account. The manager XXXX XXXX called me a XXXX, a liar and a deadbeat that does not pay my bills. He refused to escalate this to his superior and provide me proof of debt. I tried to explain that I never recieved a call or any mail correspondence from this company. His response was we have a bad address you know about it now so pay your debt.
We fell behind two to three payments, we had to take a XXXX payout because Im XXXX. Husband being in the military we only make so much each month. He has gotten phone calls 9 times a day almost 7 days week, customer service has cussed at him several times, we told them we wanted split the payments up between the paychecks, they would not work with us, they have even threatened repossion numerous time even though we keep sending money. Their intrest rates are completely criminal, XXXX XXXX or higher. They have told us we owe 80 days past due when were only two month behind. They say we owe almost XXXX and some change, we been trying to work with them to get a payment assistance help, they wont help give any kind of breathing room, Im veteran and my husband is active duty and were only working off his income right now. Santanderconsumer USA has been unprofessional and has not been running a good business if you check the reviews on google hardly anyone has anything good to say about them.
The credit report shows some bogus number for the credit usage ( 285 % ) which is completely wrong. It even can not be possible for obvious reasons. The reason its wrong is because the " total credit '' number used in the calculation is wrong ( much lower than it should be ). For whatever reason Experian did n't include some of my credit card accounts ( with low or XXXX balance ) in that calculation. My current credit usage should be somewhere around 30 %. 
This error severely affects my credit score. I have called Experian to correct the error and they promised that that action will be taken within 48 hours and then nothing happened. I called again, once connected I requested the call to be escalated to the manager. After 20 min of being on hold my call got disconnected. I called again, went through the same ordeal of explaining the issue and being put on hold waiting for the call to be escalated. After 30 min on hold I was told to send a screenshot of the error ( as if they do n't have access to my account! ) and was told that they can not give me ANY time frame on resolving the issue.
Account was opened on  XX/XX/XXXX  in  XXXX , alaska the collections address and name :   XXXX   XXXX   XXXX   address :   XXXX   XXXX   XXXX    XXXX  AK   XXXX   We moved out on  XX/XX/XXXX  and the account opened on XX/XX/XXXX and the balance currently is {$260.00} the person paid 42 % of the debt.
We are currently behind in our sewer and have been working to pay off our balance. The employees that work for Modern Recovery Solutions are rude and impossible to deal with. They told us they placed a lien on my property and that is not true. I verified this information w ith our county re corder of deeds. They are also threatening to shut off the water to a house we no longer live at. The water is no longer in our name and closed. They told us that we have to apply for a loan and provide a denial letter to be eligible to make payment arrangements. We can not afford an inquiry on our credit just to prove that we can not get a loan to make payments. How is that even a legal request to make a consumer apply for a loan to be able to make payment arrangements?
I was looking online to get a quick loan for a bill I had neglected that needed to be paid. I selected big Picture Loans. I was approved for {$600.00} with a fee coming to a total of {$800.00}. I talked to the lender over the phone and all that was mentioned was the fee of {$200.00}. I just paid what I thought was my last payment on XXXX/XXXX/XXXX. Making the total {$860.00}. I received an e-mail later on that day that my next payment was scheduled in two weeks. I thought that did n't seem right, and went to check why I still had a due amount. After clicking to review documents I discovered that I was being charged an astronomical amount in 749.4296 % in fees. Making my {$800.00} loan {$4200.00}. I did not agree to this, nor was I informed on such a high rate of interest or I would have not chosen this company. I am beyond enraged that they are getting away with so much of my money. I have paid my due loan of {$800.00} and that should have been that. Not a payoff date of XXXX XXXX for a loan so small.
Below is a transcript of my most recent and what is now 4th complaint to XXXX XXXX. These complaints are met with abandonment and rhetoric meant to keep me in a never ending loop of never reaching a solution. 

Dispute Details : Beginning in XX/XX/2016 I began a series of outreach attempts to XXXX via email and phone call. At the time, I had relocated and so did not receive a paper version of my bill. This was of course around the time that my loans exited forbearance and entered repayment. Despite this, I attempted to login into the account via the website to submit payments. I was locked out due to failed login attempts ( I forgot my password ). This is when I began to reach out to XXXX per the reset password service instructions. My emails went responded to and my phone call often ended before I could speak with a representative due to 1 hour+ wait times. I eventually did connect with someone and had my account reset. At that time, I brought the account current due to retro dated forbearance granted by XXXX. Ever since, my account has been in good standing. I was assured, ON TWO OCCASIONS, that due to the nature of XXXX not responding that these late payments would cease to be reported to the consumer agencies. That unfortunately has not become the case. 
I have spoken with 5-6 representatives over the past year regarding the situation. I have been told to submit credit disputes such as this one ( this being the 3rd ). I have been told that theres nothing anyone can do and that I dont meet the requirements of a customer service escalation. I have been ignored and put into the same loops of action over and over without any substance of a conclusion coming to fruition. To put it candidly, I have been told that I am a liar and that even though I tried to pay when the account was due but was unable to do so because no one from the company would respond to me during that time. 
Today I spoke with one XXXX ID # XXXX. His outtake on the situation and his demeanor is representative of that of the experience with XXXX over this past year and a half. When I asked what I was supposed to do in order to get the issue resolved since I feel XXXX was negligent in allowing me opportunity to pay and that your own representatives had instructed and assured me that the payment statuses would be updated, XXXX had the pleasure of telling me and I quote It doesnt matter what anyone said. We are not going to change our position. Any subsequent dispute you submit will be deemed repetitive and frivolous. You do not meet the requirement for escalation. That is capitalism. We can do what we want. 
Up until today, I thought surely this company cant be mindlessly doing whatever they want and whole heartedly discrediting and ignoring customer complaints. XXXX and most of the rest of the XXXX team have proven the exact opposite of those thoughts to be true and rampant throughout the company. 
These late payments and XXXX negligence has put immeasurable strain and damage to my credit worthiness. Thus, it has caused untold amounts of direct monetary implication.
On my WellsFargo Bank Credit Account there was a Promotion that recently came to an Expiration on XX/XX/XXXX. I paid everything down to a last statement balance of {$450.00} prior to my promotion Expiring ; yet, couldnt fulfill the contractual obligation because I was in the hospital seeking treatment for my terminal related illness. On XX/XX/XXXX I called in to the WellsFargo Bank Customer Service Center and Spoke to a Manager hoping that they would recoginze my due diligency with making payments on time and sympathize with me regarding my illness. I asked if it was possible to pay off the last statement balance of {$450.00} that was owed in order to Avoid the DI Charge in the amount of {$250.00} but to my dismay The WellsFargo Account Manager stated there was no help that could be offered, even if I was in the Hospital during the time the Promotion Expired which prevented me from paying it off by the Promotional Exp Date. Later, on XX/XX/XXXX decided to call in once more in order to ensure there was no financial relief that could be offered and again a different Account Manager stated there was nothing that could be negotiated to pay off the Principal in order to avoid the Deffered Interest Charge.
I am having issues with old addresses and information not current or accurate on my credit report.

My name is XXXX XXXX XXXX My SS is XXXX My DOB is XX/XX/XXXX My Employer is XXXX I have am no longer associated with the following addresses please delete them the are not accurate. Please remove me from all per-screen products and OPT OUT my name of data base services.

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
They keep calling me at my place of work everyday.when I told them My employer does not allow me to receive calls here at work.
XXXX / XXXX /  XXXX   Johnson Mark LLC pulled my credit without my knowledge.
I've called Equifax on several occasions about my XXXX XXXX card and my XXXX card not being reported. Both of these cars are showing on my XXXX and XXXX  files. They have told me on several occasions to contact my creditor and to let them know that is not reporting and that it is not an Equifax issue. I did as I was told in contact with the creditors to let them know that you can fax said that they are only reporting one of the creditors send and the creditors told me that they reported every month to all 3 bureaus. They have even gone as far as submitting an emergency report to Equifax twice and it still is not reporting.  They have even allowed a creditors to report the same account twice on my report. I really need this to report on my Equifax report because I am trying to purchase a home and their negligence is preventing me from doing so. Please help me to get Equifax to resolve this issue immediately.
LINEBARGER GOGGAN BLAIR & SAMPSON LLP is trying to collect a debt that does not belong to me. I do n't live in XXXX, and or have a license plate No : XXXX or ever lived in the city of XXXX. I live in Arizona and have lived in XXXX since 2004. This debt does not belong to me.
I have tried to get Experian to re-investigate a Ch.XXXX bankruptcy that is inaccurately reporting on my credit report. I have received numerous responses from the bureau stating that they did in fact verify this public record and they have not. The Courts have informed me that they did not, have not and will not divulge any information about a consumer without their prior consent. I called the courts and went there to see if i fact someone came to the courthouse to check on the accuracy of this public record and they have no record of someone coming in. Today XX/XX/XXXX I called Experians Fraud Dept and a rep told me specifically they verified my case at the courts through court records. I informed her of the letter that i sent to their offices which included the letter from the courts. The rep claimed to have seen this letter in my file while we were on the phone. I informed her that XXXX  XXXX ( which is who Experian stated they verified my BK thru ) no longer has this BK in my file. This is my second complaint about Experian. They claimed to have verified this Bankruptcy in XXXX, but XXXX XXXX has had my file updated since XX/XX/XXXX. I am currently being unfairly treated because Experian refuses to follow the FCRA and properly reinvestigate this public record according to their MOV. I have asked several times to be informed of who verified my BK, what company did they work for, what date they verified this BK, How they verified it and who assisted them with the verifiction. To no avail, I have still been unable to get anyone to assist me with removing this inaccurate information from my report. The rep informed me that they do not have to give me the name of the company verifying my information. This is illegal to continue reporting information that I am telling them is not mine.Even the address that the BK is showing isnt an address that is mine. This address was listed in a Identity Theft report from the police, stating it isnt mine. I can prove that this public record isn't mine because the Court rep showed me in her system that the dates Experian are using are not even matching what is showing in their system. Please help me get this worked out, I shouldn't be punished and denied credit all because this company doesn't want to reinvestigate.