WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted all three credit bureaus multiple times XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX regarding XXXX hard Inquiries and XXXX car loans on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC Identity theft report. Placed credit on a fraud alert. I have provided to them all this information and copies of the documents as well multiple times. They have n't investigation as they are support to in cases of identity theft. Additionally there are collections that were paid that should be removed from the account. I am requesting this inaccurate account is removed from all three of my credit reports XXXX, XXXX, and XXXX Immediately! I would also like a letter and undated copy of my credit report once this has been completed.
I XXXX 2015 we recieved notice from a local collection agency that a garnishment was about to start. We never recieved any bills from this collection agency prior. We never recieved a court summons nor were we served. No serve notice from as sheriff or by certified mail. We were in the dark. 
We took this notice of garnishment to the collection company and were refused copies of a serve notice and refused copies of the bills. We were not permitted to speak with anyone in private over the matter and they made us announce all of our problems to the world at a desk in the lobby. We were belittled by the manager. They have since taken the money as well as more then they were suppose to garnish. And are now holding the overpayment with a threat of not returning it. We have XXXX children and are now behind on our mortgage, have been eating out of food pantry 's and are faced with our Electric and phones being shut off because these people took up to {$1000.00} a month from our pay since last XXXX. If we had been properly served we would have gone into court and fought them and the original debtor over the bills.
Last week, XXXX XXXX, I found out about the hacking of Equifax. There was a site given to check and see if my information was included. I went to that site and it said my information was most likely included. 
What I find most egregious is that it took a month for Equifax to share this information ; that there was a stock selling 3 days ( I think ) before the release of this information and that they are offering free credit protection service but in fine print on the agreement page there is a caveat listed that states the signer/client will not be allowed to sue Equifax in case of identity theft. The selling of the stock appears to be very fishy. Now what are we supposed to do???
To ; whom it may concern The loan depot never mentioned that the Appraiser that came to my home never measured my home, and was in and out of my home in less than 10 minutes. If you pull there call log, and talks done daily you would find out that these people have made promisses, and lied to me about not just what they said about the {$200.00} that they promissed me back after everything was completed, but also that I had a check on it 's way for the amount of {$3600.00} ; And the loan was APPROVED!!! Just them firing my loan officer XXXX XXXX made them look even more suspicious, and there Attorney calling my home late at night to discuss the situation. This firing probably ruined his home and family. He did not deserve this. The president also contacted me telling me that XXXX XXXX was trying to take over the Company. They put me through a living XXXX! Since XX/XX/2015 till present. I did everything from spending my money for gas, copies, stamps, and time that caused me XXXX, XXXX, anxiety. I really thought this company was on the level with me, and they were not for my best interest my being a XXXX Retired XXXX Veteran. There call backs was sporatic to say the least. And the attitudes I got from XXXX XXXX or XXXX. They fired a very good man, and very honest to say the least. Named XXXX XXXX for being honest about his piers and their practices lying about them putting me on a 30 fixed from my present 3.99 % to 3.75 % ; then all of a sudden they decided to give me a fixed for 3.85 %. He also mentioned about other veterans not getting there fair share when it comes to mortgage loans, etc, etc. Thank you XXXX & XXXX XXXX XXXX XXXX Case # XXXX
My mortgage company is denying many of my request with no reasoning. 
I file bankruptcy in XXXX and the bankruptcy closed in XXXX. I never included my primary residence and have the paperwork showing this. I am currently requesting the transcripts for that hearing. 
The Lender stated I reaffirmed the loan but on request, they would not send me the letter reaffirming the loan. I am several emails for my requests. 
I defaulted on loan XXXX, XXXX to now. None of the request I made was granted. They offered me a loan modification but I explained to the Lender I was experiencing a hardship with an IRS debt and my Grandfather 's financial issues. They never considered the loan modification again. 
The Lender Representative advised me that I needed to surrender the home and she asked if they could place a lock on the house. I responded no and that was only leaving my home temporarily to take care of my Grandfather. 
I never heard from the Lender again. 
In the beginning of XXXX, XXXX I received a letter stating Notice to the any party in the residence the house was being sold. 
I never received the Notice of Intent to Foreclose. I notified the Lender. The Lender had their Attorney email me the Notice of Intent to Foreclose and the Preliminary Loss Mitigation Paperwork ( dated ) XXXX XXXX, XXXX. A week later a guy shows up to the house and serve me the same papers. 
I completed the modification request. On XXXX XXXX, XXXX the Attorney sent me an email stating I was denied for the Forbearance and Modification at that time. 
I never received an official dated letter of denial from the Lender. 
When I asked why? She indicated the reasoning on the Hardship Letter was not sufficient with ie., my roommates income to me. But that was not the Hardship. I have requested a copy of the Letter of Denial. 
I have sent in two payments.
Portfolio Recovery has been harassing me for many years. I did not know I had rights and that they have been violating them. First they call from multiple numbers. 
( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX are just a few of the numbers that they call me from. They have threatened to sue me. They have threatened to serve me papers at my job on XX/XX/2018 at XXXX XXXX. Many of calls are robo calls including call on XX/XX/18 XXXX XXXX ,XX/XX/2018 at XXXX XXXX, XX/XX/18 at XXXX XXXX, XX/XX/18 XXXX XXXX. I have asked them to stop calling me. I am on the do not call registry. I have never given consent for them to call. Every time I tell them to stop calling, they call from a different number! They have never provided me with any proof that I owe them money or proof of the original debt owner.
I submitted a dispute to Experian about a bankruptcy that does not exist. I sent in the proper proof and they said that they verified the bankruptcy with the court. I reached out to the bankruptcy court and they told me that they do not verify bankruptcies with the credit bureaus. I asked him to explain to me how they verified this bankruptcy and they told me that the credit bureau told them that a bankruptcy did exist. I have proof from XXXX that there is no bankruptcy on my reports and also I have a letter from the bankruptcy court saying that they do not verify bankruptcies. They are violating the Fair Credit Reporting Act.
State collection agency work for  XXXX    XXXX   XXXX  . I am in process to get financial help from the hospital to pay the balance although majority portion of the bills paid my health insurance. Patient is my  XXXX   years old  son. I notify collection agency on  XXXX / XXXX /   17  by fax that I am paying regular basis to  XXXX   XXXX  and my financial aid application is on process. I do not owe this debt and they need to stop contacting with us. This account should not be on collection. But they are ignoring my request and they are in process to effete my credit.
To whom it may concern. XXXX XXXX XXXX has continued to try and collect a debt that does not belong to me, and has failed to give me proper notice of this alleged debt. I have continued to contact FREDERICK J. HANNA & ASSOCIATES, PC. concerning their illegal debt collection practices. Now they have submitted a summons of continuing Garnishment. This is the second case and they dismissed the first case. I hereby request that you contact this law firm, that is collecting an illegal debt, on behalf of XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX, XXXX & gt ;
I purchased a new vehicle and secured a loan through BMO Harris Bank. I was making payments to them, however when I was overseas on XXXX I found out that my loan had been sold to XXXX XXXX XXXX. I only found out that my loan had been sold while trying to make a payment on a sat phone in XX/XX/2016 in the middle of XXXX. I never received a disclosure from BMO Harris or XXXX XXXX. A customer service representative gave me a phone number to call and, thankfully, I was able to make a payment without a late payment, however I was BEHIND by one month. No one tried to call me, email me, or contact me via mail before or after the effective date of transfer, which I still don't even know. 

XXXX XXXX XXXX seems like a scam company also. Terrible reviews from people who have had their auto loan sold by different banks. They have 100 % negative reviews on the XXXX website. As far as I can tell they have no website either, probably so people miss payments and they can charge late fees. Trying to find contact information for XXXX XXXX XXXX took hours. This is how not to run a business.
According to the FCRA, this isnt an account pursuant to 1681 ( a ) ( r ) ( 4 ), therefore this error should be removed. Your company is overlooking this important aspect of my reason for my dispute which your company has fail to verify now Im requesting physical evidence from your company. Im not looking to sue your company just looking for the most accurate complete data in my file. 
Please send me the proof that I gave any outside agency the permission to report any accounts OR NON ACCOUNTS please provide me with verified and valid contract on file that i have with XXXX XXXX XXXX ACCT # XXXX iVE ASK XXXX FOR THIS INFORMATION AND THEY DELETED THIS OFF MY CONSUMER REPORT i HAVE ASK EQUIFAX ON MANY DIFFERENT TIMES AND THEY HAVE REFUSE TO DO SO AND THEY KEEP TELLY ME THE CREDITOR VERIFIED THE ACCT BUT WILL NOT PROVE TO ME THAT IT HAS BEEN VERIFIED. EQUIFAX IS REFUSING TO FOLLOW THE FCRA I TALK THEM EQUIFAX ON THE PHONE AROUND XXXX XXXX XXXX AND THEIR AGENT TOLD ME THEY DIDNT HAVE THIS INFORMATION FROM XXXX XXXX XXXX IN THEIR FILE EQUIFAX OVER THE YEARS WHEN COME TO MY CREDIT HAS REFUSED TO VERIFY DATA BEFORE THEY PLACED ON CONSUMER REPORT : Under Section 607 of the FCRA you Must ensure the highest possible Accuracy of the information contained On my credit report. You have not Complied with this under provision of 15 USC Section 1681i in the FCRA, I am Demanding that this item be deleted From my credit record. 

EQUIFAX HAS CONTINUED TO BREAK THIS LAW OF FCRA THAT YOU SEE ABOVE I HAVE PROOF OVER MANY MANY YEARS ON HOW EQUIFAX CLAIM THE RESEARCH OR INVESTIGATED AN ALLEGED ACCOUNT AND THEY HAVE NOT. EQUIFAX HAS ALLOWED ANY COMPANY TO POST DATA ON MY CREDIT CONSUMER REPORT UNVERIFIABLE EQUIFAX HAS NOT READ THE TERMS OF THE FCRA AT ALL BECAUSE IF THEY HAVE THE TERM ACCOUNT CLEARLY STATE WHAT AN ACCOUNT IS AND WHAT ACCOUNT ISNT EQUIFAX HAS REFUSED TO DO THEIR OWN RESEARCH INSTEAD OF RELAYING ON DOING A DEPTH RESEARCH BECAUSE IF THEY WOULD READ THE DISPUTE THEY WOULD COME TO VERY EASY CONCLUSION THAT XXXX XXXX XXXX IS BREAKING THE FCRA AND FCBA AND FDCPA. EQUIFAX HAS REFUSED TO FOLLOW THE LAW
A medical collection is showing on my credit report. I called the company to pay the collection and they said it was paid XXXX years ago. It is still showing on my report and is a negative account, essentially hurting my credit.
On XXXX XXXX, 2016, I deposited a check via in the amount of {$1200.00}. While I was in XXXX, a person by the name of XXXX XXXX stole my check and deposited it into their account on XXXX XXXX, 2016. 

Chase Bank then withdrew {$1200.00} from my account as a memo debit and I inquired about having my funds returned. I asked to speak with fraud and to file a claim but they told me that they were not able to file a claim at all since the thief has the physical check. The check was issued to my name, " XXXX XXXX XXXX '' but Chase was unable to help with my issue. I filed a notarized document with the issuer of the check and have yet not received any feedback if my funds will be returned or not.
XXXX XXXX, FL XXXX XXXX Inquiry from XX/XX/2017 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017 I do not recognize this at all.
Hello, XX/XX/2015 I signed up for the Citi Gold checking account to receive XXXX miles though XXXX. The requirments were, Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/15. 
Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank XXXX XXXX which must be posted to the new checking account. 
And 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 
I met all the requirement and Citi confirmed I would receive my XXXX points by XXXX. I have tried contacting Citi several times about this issue with no feedback or resolution. I am also being charged {$30.00} a month for my checking account to stay open.
I was pointed towards XXXX XXXX by my Bank XXXX to get a credit card terminal for my small business. A representative from XXXX XXXX, named XXXX, got in contact with me and I asked her about all the costs and fees associated with the terminal, she told me there would only be a monthly payment of {$25.00} and two percentages that would be charged with each transaction ( one percentage is for tickets under {$500.00} while the other is for tickets over {$500.00} ). I asked repeatedly to make sure there was nothing else, now I get a bill saying monthly payments are higher than I was told and other charges that are undisclosed with no explanation anywhere on the bill for. I 'm also being told, after paperwork is done, that there is also mandatory insurance I must pay monthly on the terminal, I was not informed of this when I asked about the costs and fees. Not only that, but merchant services has now charged my bank account repeatedly in the XXXX week of XXXX resulting in overdraft fees that amount to {$160.00}. They charged me XXXX times on one day, XXXX XXXX, resulting in nearly {$100.00} in bank fees in just XXXX day. I was not informed when I was signing a contract, I was told it was just a paper confirming the information I had previously submitted about my bank account and business ID, and I was rushed through signing it over the phone. I was told I needed to sign the paper to get to the next step, the customer rep helping me was not honest and did not inform me of what the paper really was. After she had me sign it she hung up and I was left very confused. She also did not inform me that the lease term would be for XXXX months. She did not mention anything about a lease. I am very upset. They want to charge me over {$1000.00} to cancel the lease which was agreed to by manipulation by their customer service. This is not right, my small business was taken advantage of, I was taken advantage of. Please help me resolve this.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.
I was able to pay off my mortgage earlier this year. I'd been saving up to finish with 3 extra large payments of XXXX each. My mortgage belongs to Arvest Mortgage. 

I set up my bank to pay my mortgage company 3 checks of XXXX each, each 2 weeks apart. I bank with XXXX, an online bank. 

My bank had issues and sent 6 checks before I caught it. By their own admission ( in writing ), the " send x checks '' feature was broken. Since the payment was made by wire transfer, my bank says they can't do anything about it. 

Of the last 3 checks, 2 were rejected and credited back to my account by the mortgage company. The last one never was. So now I'm 3k short. 

I have tried contacting the mortgage company only to have the customer service person tell me " they are looking into it '' for the past 3 months. I tried sending an email and still no response ( it's been 1 month ). All calls and emails have been documented on my end. 

I feel stonewalled by both institutions.
Step 1 : What is this complaint about? I made complaint for investigation to the major credit reporting agencies, to investigate a credit union 's neglect to reflect a {$600.00} down payment against my car loan. They were supposed to provide an investigation, giving both sides a chance to answer back, and all they did was take the credit unions information and closed it. Not only this, but the credit reporting agencies have conflicting information regarding amounts. 

Step 2 : What type of problem are you having? My credit report shows negative balances. I am trying to get a credit card and improve my score, but it's not happening so easy. I also tried to negotiate with the credit union and failed, them saying to go to the collection agency.. I tried to negotiate with the collection agency and failed. They both refused to deal with me to start small payments, in trade with removing it from my credit report, so that I could work it out without it continuing to affect my credit report. They both said they can't remove anything from the credit report. They neglected to post a {$600.00} cash down payment against my {$3000.00} car loan, and the figures show me saying the truth. They also were refusing to cooperate with fixing the problem, which is why I quit them altogether. It didn't look like it was ever going to resolve. On the same day I began to let them know of a bad figure in my loan history, I had made the final payment on my personal loan with them, and that did not reflect either. They also refuse to provide statements upon request. 

Step 3 : What happened? I should have won. The result of the investigations showed differing figures from Transunion 's investigation and of XXXX 's. Transunions 's saying my monthly payments were {$89.00} per month, and XXXX 's saying they were $ XXXX.for the same payment period. It is obviously inaccurate, as I said, but neither company took any further responsibility to remove them from my report. The credit union only provided payment schedules showing monthly amounts, dates and when it went into the red. I needed the terms of the original contract, the interest percentage, and the down payment, -- the math for and the resulting original amount of the car loan, all reflecting in their report, and that didn't come through. 

Step 4 : What company is this complaint about? Transunion, XXXX   and XXXX. None of these companies will take the responsibility to remove errors of dishonesty from your credit report, even with proof. 

Step 5 : Who are the people involved? XXXX XXXX XXXX is the Creditor. XXXX XXXX XXXX is the collection agency. I worked with XXXX XXXX until there was a waiting time, and quit paying. Transunion is who we had requested an investigation from. I began myself with XXXX and XXXX. Again, nothing, and no cooperation when I tried a second time, them saying that it had already been investigated.
On XX/XX/XXXX, XXXX Euro, was transfer to a XXXX XXXX via my Pay Pal account. I never issues or authorized this transaction. It is also not consistent with any of my other transaction which are always in USD and usually under {$5.00}. Paypal is refusing to acknowledge this is clearly fraud. Paypal has locked my account and is essentially holding my account hostage to force me to pay this.
We submitted disputes to XXXX and TransUnion one month ago due to mis-reporting of a XXXX card balance. We asked, specifically, that the balance be reflected accurately to the new amount of credit charged at XXXX instead of the mis-reporting of a balance of XXXX. We have been denied credit due to Trans-union and XXXX not updating their system after multiple requests, phone calls to both bureaus and XXXX.
I had XXXX state tax liens in the amount of {$8200.00} and {$5400.00} that were PAID and released by the state of Massachusetts in XXXX 2014. I have requested Equifax update my report to reflect the release status multiple times. XXXX already has, but Equifax continues to report the accurate status.
In XX/XX/XXXXI fell very ill, I defaulted on a XXXX XXXX personal loan in XX/XX/XXXX and stopped making payments. I was unable to pay the debt, XXXX XXXX sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the Debt. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue XXXX XXXX and XXXX XXXX for what was being done to me. I called XXXX XXXX, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by XXXX XXXX XXXX. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by XXXX XXXX or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

Thank you
I purchase a item the item was cancelled the store sent the money back to the card and now the company says My account has been closed due to a fraud investigation this has been ongoing for about XXXX months now when in fact me and the merchant called and talked with someone.I heard nothing from them in regards to my account, I have to keep calling them with no response besides call XXXX
I have been dealing with Navient over the past few years since they took over my loans from XXXX. I have had three phone calls in the last few months trying to figure out an option to help lower my payment and avoid negative credit reports. I have been working part time and going to school as well. My husband works full time and we have XXXX small children in daycare which my parents help pay for as we ca n't afford it, but we have to work. Every time I have tried to figure out a way to make some sort of monthly payment that is lower they tell me there is nothing to do to help my situation and I should have someone help pay them. There is no one to help and no hidden money. We ca n't afford what they want. They call me at all time of day and night. I do not know what to do as they simply will not work with anyone to make things work.