WillisBack/dataset-financial-user-claim huggingface dataset:
The employment data reported on my XXXX, Experian and XXXX XXXX credit report is inaccurate. I want the following accurate information reported and listed on my XXXX, Experian and XXXX XXXX credit report : Employer Name : XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX  ), Salary : {$300000.00}.
Apparently I had a XXXX XXXX XXXX credit card from a decade ago that had an unpaid balance and was charged off. When I applied for a XXXX home equity loan, I was rejected because of this charge off at XXXX XXXX XXXX, of which I was completely unaware. I paid the charge off amount of {$280.00} immediately on XX/XX/XXXX 2017 and have been trying to get the item to reflect a zero balance of my credit report. XXXX said I had to get it removed from my credit report - they could n't call across the bank to confirm ( XXXX credit card, paid from a XXXX checking account ). I faxed to Transunion proof this was paid off on XX/XX/XXXX - they could n't read the fax. I refaxed the information on XX/XX/XXXX Transunion claims they ca n't clear the account without approval for XXXX - XXXX credit card department said they updated my report on XX/XX/XXXX If I do n't have this resolved by XX/XX/XXXX, I look a special introductory interest rate because Transunion wo n't be proactive, and XXXX wo n't look between departments to see the issue is resolved. How is it the organization controlling one of the only XXXX bureaus in this country only allows disputed documents via FAX or MAIL. Is this acceptable way to do business when documents should be scanned and emailed to avoid these type of unnecessary delays. Please help.
The company I am reporting is XXXX XXXX for a debt in the amount of XXXX. I had paperwork to submit to Midland regarding a hardhsip appplication, due to me being out of work. I was told they couldnt communicate with me and contact the law firm at XXXX. After numerous of calls I finally got an answer from an secetary who inform me that Midland has to negotiate with consumers involving settlements and hardships. ( Of course Midland will tell you I didnt call the lawfirm as usual=-but I did ). Recently tried to resolve the collection with XXXX XXXX before and only have been giving the run around or no response. I sent a certified letter ( signature required to show proof it was received ) and I have gotten no response from this company. I trying to settle with this company to pay off the debt and have it removed from my report. However it seems like they are denying payment offers, but continue to report debt. I request that the issue be throughly investigated and documents sent to address on file for hardship. 

If the matter can not be acknowledge and no payment is being accepted, please remove the collection from report immediately. 

Attached is a copy of the letter sent to Midland, and a copy of the last letter I have received from Midland showing proof that they are owners of the account and to conact them with issues ( But No response ).
I paid on a {$17000.00} loan for 11 years, and when I got divorced and was not get my mail my account was put into a program. I paid {$200.00} a month for a year then they add {$4500.00} to the balance to reinstate the loan. I Had to pay child support so I had go into forbearance for 4-5 years before I was offer income based repayment which I have been in for two years now. My loan is now over {$50000.00} which is 3x my original loan which I had paid on for 11 years.
We are Regions Bank customers ; Account # XXXX. Last Saturday was the XXXX of the month, and Regions ' " Helpful '' FEE GENERATING SOFTWARE kicked in. 
Our Account was debited for 3 large Bill Payments to a. ) my Credit Union XXXX {$400.00} XXXX b. ) to my Electric Bill XXXX {$270.00} XXXX and c. ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX. 
Last year, each of these payments had been re-set by me, with the personal assistance of one of Regions ' associates, for after the XXXX of the month, howeverRegions ' FEE GENERATING SOFTWARE paid them early on XXXX XXXX. 
What 's more, NSF FEES have hit our account in the amount of {$100.00}. 
Today is XXXX XXXX, and while the {$400.00} payment debited by Regions on the XXXX, no such payment has been received by XXXX XXXX as of this moment!. 
In addition, XXXX XXXX XXXX has charged me {$27.00} for NSFs reloating to not having received the {$400.00} payment, debited last Friday!!!
Several times I have filed complaints with Equifax , referencing public records Judgement XXXX and XXXX, just now I filed another complaint, Equifax conf # XXXX, XXXX settled with attourney prior to court appearance, if paid per agreement this would be removed, this was paid in full a while ago, this is over 4 years ago. 
The next judgement XXXX, was a result of medical debt paid and also over 4 years old. 
Equifax is also reporting a credit inquiry from XXXX XXXX, from XXXX of this year, please note attached sheet where on XXXX/XXXX/15 XXXX XXXX said this inquiry was removed.
Call Equifax to check my credit score because purchasing a home, spoke with rep XXXX, badge # is XXXX in XXXX, he would provide me with any information regarding my XXXX report because, I explain to him I did XXXX XXXX with XXXX XXXX XXXX, Equifax XXXX, and Transition XXXX. Seem to me every time I call and get a foreign customer service rep, my score is dropped XXXX point. I believe it 's because of my ethic background or where I am located. I am also a paying member of Equifax XXXX, they are not fairly scoring me properly. I have not late pays, nothing derogatory, XXXX mortgage inquires less than 30 days ( thru Creco ) a third party vendor. I feel that I am being discriminate against. When XXXX was not help, he end the call and did not hang up so I could complete the survey. He came back to the line twice, each time I advised him to hang up so I could take the survey. XXXX the transfer me back in queue. Look forward to hearing from you Thank you
Chase is making it very difficult to honor a referral that I made to an individual for applying for a credit card. I sent multiple emails that the individual never received and then called the day prior to the individual signing up for the card to verify that I had indeed been attempting ( in vain ) to refer this person. After agreeing that I had made attempts to refer the friend to the credit card they have now been difficult in applying the credit to my account. It 's not resolved but they say I will be credited. Waiting to see, after several phone calls ( which I should n't have had to make ), if they will follow through.
I requested that the collections agency in question cease contacting me between the hours of XXXX and XXXX as I work during those hours, and it is disruptive to my work. 

I verbally requested this when I spoke with the company representative on XXXX/XXXX/2016. 

This morning, at XXXX I received another call from the company despite my request to cease contacting me during work hours.
I am under the Income Based Repayment program and being serviced by XXXX XXXX. In XXXX, they began reporting interest to the Credit Bureaus even though the interest has not capitalized on my account, because I am in the IBR program. They informed me that on their end, the interest is not showing that it was added to my balance because of the IBR but they are aware that they are reporting it to the Credit Bureaus. Reporting to the Credit Bureaus like this is destroying the consumer 's credit. Being under the IBR is supped to help the consumer financially, not to destroy the consumer 's credit.

It seems as though the servicing companies found a loop whole in the Fair Credit Reporting Act, to bury those who are under any type of payment or forgiveness program. Because of the way they are reporting to the Bureaus, the amount of my student loan is increasing over {$500.00} every month on  my credit report. 

They need to be stopped before they begin to destroy every student 's credit and financial status that is in any type of repayment or forgiveness program. By them reporting the interest to the credit bureaus, forces the credit bureaus to lower the consumer 's credit score each month because of the increase that they are seeing.

Because of this lowering the consumer 's credit score, it disables the former student from obtaining a good paying job, since employers are now running credit checks for certain positions. If the government allows them to continue to do this, it will put the country in a crisis. Less home purchasing, more jobless claims, more unpaid debt and student loans will become a bubble like the housing market in 2008.
Walmart Credit card has as an MO when you pay the full balance or close to the full balance in Cash or electronic transaction, wait more than 5 days tpo post and release your credit card with the new balance. For example on XX/XX/XXXX I make a payment of {$800.00} to my Walmart credit card using their online portal, on XXXX the money was retired from my checking account, on XXXX Walmart system said that the payment was posted bot the amount was not release from my credit card. XXXX Walmart system said that the payment was posted bot the amount was not release from my credit card. XXXX/XXXX/XXXX Walmart system said that the payment was posted bot the amount was not release from my credit card. XXXX/XXXX/XXXX Walmart system said that the payment was posted bot the amount was not release from my credit card. XXXX/XXXX/XXXX Walmart system said that the payment was posted bot the amount was not release from my credit card. On XXXX/XXXX/XXXX I called them because I want to know why my credit card balance is not release even the got the payment in cash more than five days ago. They said sorry and not satisfying explanation given.
ACS/XXXX is reporting my status negatively as 90 days behnd and the account has been paid and closed as of XX/XX/2016 The debt was consolidated by XXXX.
Hello, RE : Credit Bureaus Reports Issues : -Information is not corrected and explained in plain language. ( For example : Balances, old accounts listed ) -XXXX does not provide me the opportunity to " dispute online ''. 

On XXXX, XXXX, I became a member through Experian to have easy access " online '' to the 3 Credit Bureaus. I am enrolled. My purpose is to make sure my reports are accurate. 
- XXXX does not allow me to dispute " online ''. Why? I do not know. No answers about it. I sent written " disputes ''. Results " Unfinished Business ''. No corrections made. 

The 3 Bureaus do not sent explanations of what specifically was " corrected ''. It seems to me the 3 Bureaus take a generic letter of " acknowledgement letter '' and help yourself. 

Still, I see the same incorrect information listed. Then, the frustrated cycle continues. 
In particular, after the back and forth " XXXX '' keeps listed in my report that I have a " Balance for {$25000.00} with XXXX XXXX initial balance for a new car at that time. Also listed as REPOSSESSION. It was my " Voluntary ''  Request to XXXX XXXX '' to pick up the car. I wanted to refinance the loan. No success. Which it was paid off and included in a Chapter XXXX Bankruptcy. Now, " DISCHARGED '' since XXXX/XXXX/XXXX. 
- I asked and presented specific details to the 3 bureaus to update my balances. It seems to me the 3 bureaus are very concerned about collecting money by selling their products and in exchange they provide the customer a very poor quality work. Please advise. Thank you.
I received a Capital One Business Credit Card that was suppose to be reported only on my business credit reports but to my surprise I was notified by XXXX that the Business card was being reported on my personal credit reports. This is a violation of the FCRA, FCBA and FDCPA. I called an spoke to a Rep. Name XXXX out of XXXX Florida and he said they are required to report it on the personal and business credit and I advised him that I was told that it would only be reported on my business credit report and only on my personal credit report if the business defaults on the credit card.
Transunion has been contacted by XXXX XXXX that inquiries on my credit report were fraudulent. I have contacted transunion several times about this and so has XXXX XXXX and they still refuse to remove these injuries that I didn't not authorize. I have a letter from transunion asking for the removal of these inquires.
On my Transunion credit report, there is XXXX XXXX/XXXX XXXX credit card which reports : " Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX ''. This can not be possible, since the Date Closed was XX/XX/XXXX and Last Payment Made was XX/XX/XXXX. 

I disputed the information through Transunion, stating that the late payment information was incorrect. This dispute was " resolved '' by the company stating that the information was correct, without any documentation or evidence. 

A dispute into adverse information should have to be resolved by proper documentation. Transunion should not report adverse information ( especially after a dispute ) in which a company simply states is correct. If the company can not prove the late payments, they should be dropped. 

I then contacted the company ( XXXX XXXX ) and was told that my account had been sold and that there was no records of my account history. XXXX, who the account was sold to, could not help me either, since they were not the reporting party. I am stuck between two companies, neither of which have any willingness to help.
All I am trying to do is get the completed modification paperwork that I requested over 3 weeks ago. I am trying to do a refinance and the underwriter is asking for the completed documentation of the modification we had 4 years ago. I have called and emailed them repeatedly and every time they tell me they will mail it to me or email the document to me and I still have n't received the paperwork. I am going to have to pay for an extension on my locked rate because this is all we are waiting for!!!!!!
In XX/XX/XXXX several accounts was opened in my name without my knowledge, 1.  Suntrust XXXXXX/XX/XXXX {$37000.00}, 2. XXXX XXXX loan {$8500.00}, 3. XXXX XXXX Credit card {$2500.00}, 4. XXXX XXXX {$2500.00}
In XXXX of XXXX, I, XXXX XXXX XXXX, filed a complaint against Santander Bank with the CFPB. Santander Bank allowed a former junior business partner, XXXX XXXX XXXX, to open an account without my presence in XXXX, XXXX. He opened this account as an LLC, though he never formed an LLC, did not provide the necessary paperwork, and the business was never registered in his name anywhere. The business was always only registered as a DBA in my name only. Further, he used his home address in XXXX, MA, and his PO Box in XXXX, MA, as the business address, and the business mailing address, respectively. My business was only ever located in XXXX, MA, and registered in my name only. In XXXX, XXXX directed me to use the LLC on invoices and checks, as Santander would only recognize checks in the LLC for which the bank accounts had been opened in, and would not accept checks in my DBA ( see attached emails ). When Santander responded to my initial complaint, they stated the accounts were open as a DBA. In our later, correspondence, they admitted the accounts were open as an LLC, and claimed they could not establish whether or not they had performed their due diligence in opening the accounts. Over the years, XXXX XXXX XXXX, was able to control and exploit his position as account holder, accounts that should never have been opened by Santander bank. On XX/XX/XXXX, I finally forced myself on the accounts. I told the banker, XXXX XXXX, I was very nervous XXXX would steal the funds. I tried to open a new account, but Santander said I could not, as we were an LLC. I froze the accounts, in every attempt to  protect the company funds. On XX/XX/XXXX, Santander Bank allowed XXXX to unfreeze the accounts, and deplete the funds, buying a bank check in the amount of {$15000.00}, and withdrawing {$9500.00}. In the end, I researched the LLC, found we were not an LLC, and only then, was I able to open the accounts with Santander as a DBA, which was all the business was ever registered as. The bank failure allowed XXXX to manipulate me and take funds he wasn't entitled to for years, culminating in those final transactions, and eventually causing the failure of the business and my many years hard work.
Ally bank continues to call my cell phone, after numerous requests to stop, asking for someone that is not me or anyone in my household. In order to find out exactly who they are, because they only provide their first name, I find out they are from Ally bank. They call at XXXX at night and throughout the day. I 've asked several times for them to stop calling my number. I get, " we will put this in your record. '' How do I have a record at Ally bank? I do not bank with Ally bank. I have never banked with Ally bank. I do not have loans or debt that I am responsible for with Ally bank..
I am a victim of the equifax cyber security breach. I believe equifax did not properly secure my data and therefore was complicit in the theft and unauthorized distribution of my personal information.
There is an account listed as in collections from Oregon XXXX XXXX XXXX. I have this account set up on automatic debits from my checking account for monthly payments. I have never missed a payment.
Allied Interstate repeatedly calls my place of employment even though I have told them NOT to contact me, instead to send me some information by mail regarding whatever they are calling me about. I have repeatedly told these people not to call and they insist on doing so. 
XX/XX/2018 - XXXX I told them to contact me via usps XX/XX/2018 - XXXX I told them to not call my place of employment XX/XX/2018 - XXXX I repeated myself and said the next time someone calls this number, I will have legal counsel reach out to them XX/XX/2018 - XXXX They call once again! 

I am fed up with these calls and these aren't the only calls, I can and will have my call log pulled. The numbers they call from are : XXXX and XXXX
Contacted transunion, XXXX and XXXX on XX/XX/2017 regarding an collection account that is invaliding reporting ; I do not have a contract with this company the reporting is a HIPPA violation and its is reporting multiple times XXXX XXXX is reporting to bureaus 5 times with different account numbers however same amount.
Dear Consumer Financial Protection Bureau Since I reported the matte r Ocwen has been trying to put m e in foreclosure after 14 years of service On  XXXX   XXXX  I learnt my payment came back I set via  XXXX   XXXX  and then called to resolve the next month payment by paying {$19.00} for automatic payment from the acount to start  XXXX   XXXX .  XXXX  and  XXXX  payment were never deducted as result I have been getting foreclosure letters. I have resolved by paying {$1100.00} through  XXXX   XXXX   XXXX   I know have a modification and need you to advice of a agent that can help borroers to lower my interest down.       Ocwen has Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; Charging borrowers unauthorized fees for default-related services ; Providing false or misleading information in response to consumer complaints.
. Ocwen failed to effectively assis  t, and in fact impeded, struggling homeowners trying to save their homes. This included : Failing to provide accurate information about loan modifications and other loss mitigation services ; Failing to properly process borrowers applications and calculate their eligibility for loan modifications ; Providing false or misleading reasons for denying loan modifications ;
In 2012 I filled bankruptcy. Coming out of bankruptcy I obtained a Hardest Hit Mortgage at the end of that year, I worked with Wells Fargo to get a Loan Modification which saved my Home. Recently it came to my attention the Wells Fargo is not reporting my current 7 months on on time payments to the credit Bureaus. When I spoke with them they informed me that i did not sign a reaffirmation agreement with the bankruptcy and therefor they would not inform any credit bureau about my payments. I researched what a reaffirmation agreement is and found out that if I had signed XXXX that if for some reason I could not make my mortgage payments, then Wells Fargo could look for me for money if there was a shortfall under the Foreclosure. When I found this out I was very glad I never signed XXXX. However the fact is that I do have a mortgage in good standing with Wells Fargo and I think what they are doing is border line criminal, they are affecting my credit score, which I am trying to improve after my bankruptcy. This practice for any Financial Institution should be prohibited. Please let me know if you can intervene on my behalf or give me some guidance how I can inform the credit bureaus. Thank you my contact in formation is XXXX XXXX - cell XXXX - mailing address XXXX XXXX XXXX XXXX, XXXX, RI XXXX
They keep calling me trying to tell me I qualify for loan forgiveness and when I call they tell me it is only for over 10 grand in order to qualify. I keep getting harrassed by phone calls even still after I told them to stop calling me anx telling me that.
I applied for a Wells Fargo credit card no interest for 18 months on line. I received a email explaining that I should receive or be denied with in 7 days. After not hearing from them in 7 days I called and spoke to a live representative. She informed me that I couldn't be identified by my phone number. So I gave her my house number in which she said I could be identified by this number. However, I was on the road and could not get to the number so I suggested going into a branch. She said that for me to take two identification to a banker at one of the branches. I went into a branch in XXXX XXXX explained the issues gave my XXXX cdl license, US passports, and my Social Security card. However, this was not enough even though I had two previous account with them. I explained that these unnecessary procedures was due to my racial heritage. I have applied on line for credit cards before and due to my credit 99 % I was approved as soon as I submitted.
This company made attempts to speak to my supervisor AND asked for the physical location of my office. Neither of which are reasonable requests in an attempt to collect a debt. These are attempts to embarrass and harrass an individual and should not be legally allowed.
I opened an account at Bank of America. A couple days later it was closed by their Risk department. I have {$300.00} in the account that the bank is not letting me withdraw - they are holding and investigating the money due to a " cash jam '' at the ATM when I deposited the {$300.00} cash. I was told I can not get the money back.
on XX/XX/XXXXan ATM withdrawal of {$300.00} on XX/XX/XXXX an ATM withdrawal of {$200.00} on XX/XX/XXXX, a charge of {$2900.00} at XXXX All charges on XX/XX/XXXX were done in XXXX XXXX, Florida. Chase texted me asking if they were fraud and I replied back as yes since I live in XXXX Oregon. I asked Chase to credit my charges which they did on XX/XX/XXXX. After Chase fraud dept looked at the case, they reversed the credit back to a charge on XX/XX/XXXX. Someone fraudulently changed my address on the chase website to a XXXX XXXX, Florida address. I am trying to prove to Chase that someone changed my identity online and through the USPS to a XXXX XXXX, Florida address.
I have never received one bill and have never rode in an ambulance this is not my bill and it should not effect my credit since this is the first time I am seeing this bill that is n't mine. This must be removed from my account or else I am going to take this to legal .i am filing a police report today.
On or around XXXX17 I noticed a account from XXXX XXXX XXXX # XXXX, # XXXX, TXXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, I do not recognize this account as being mines. I have no contract information or any paperwork for my review. I believe these accounts are in error please delete.FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY please follow up in writing the This is the second time I have filed a complaint over this issue.