WillisBack/dataset-financial-user-claim huggingface dataset:
I wrote Experian twice ( XX/XX/2018, XX/XX/2018 ) and challenged the accuracy and compliance of information on my credit report regarding a previous bankruptcy. I asked Experian to validate the following information regarding the item I challenged : 1 ) provide me with copies of documents bearing my signature, 2 ) provide me copies of the verification from the Bankruptcy Court itself. Experian did not comply with my request. I contacted the Bankruptcy Court, XXXX XXXX XXXX California, to find out how the Court verifies information to Credit Bureaus. The Clerk of the Bankruptcy Court replied and said the Court does not report nor verify bankruptcies to Credit Bureaus. Therefore, it is obvious Experian did not verify the bankruptcy information with the Bankruptcy Court. Based on the requirements of Fair Credit Reporting Act, I request that the Consumer Finance Protection Bureau inform Experian that Experian is not in compliance with the Fair Credit Reporting Act by not properly verifying bankruptcy information with the Bankruptcy Court. I request that Experian delete the unverified bankruptcy from my credit report. I have attached documents to this complaint.
I had an XXXX Credit Line. I paid for services and gift cards using the credit line. They filed for bankruptcy and closed down before the services/giftcards could be used and they are now going after me for the money./ I have called them and mailed stuff to them, but they just keep harassing me with phone calls at home, cell and work.
My husband received two credit cards offer from AARP ( through Chase ) on Wednesday, XXXX XXXX, 2017. Both offers were the same, but neither contained the required clearly listed APR, cash advance fee, balance transfer fee, late payment fee, etc. This information is provided on the credit card offer, but in very small print as a footnote to the offer. Most credit card offers, including those I 've received directly from Chase, include a separate Terms and Conditions page which clearly lists this legally required information. I 'm not sure if it 's a violation or just an unfair practice, but I take exception to the way this card offer is hard to understand considering it 's marketed specifically to an older demographic. My understanding of the law regarding fair credit practices is that the separate, clearly readable terms and conditions are required to be included in an offer so that consumers can easily compare and evaluate credit card offers. The law was not followed in this case in a marketing effort toward an older population. That is not acceptable.
Nationstar Mr. Cooper Mortgage told me I was late on my payments the beginning of XX/XX/2018. I then paid the full amount they required to keep my account active. And we agreed upon an amount to be paid monthly, in a refinanced loan, which I paid on time every month. My loan has been current since XX/XX/2018. I paid every amount they told me to pay. And documents were finalized and signed XX/XX/2018. Nationstar Mr. Cooper was wrong in filing a 60 days late charge on XX/XX/2018, and a 90 days late charge on XX/XX/2018, to the Credit Bureaus. And those charges need to be removed off my credit records.
Around the first week of XX/XX/XXXX I initiated contact in person with Chase, branch located on XXXX XXXX in XXXX. It is very close to my house. I have several accounts with them. 
I explored my choices on getting a loan and the types of product. 
At the end I was given a contact person and the possibility of two products. Refinance or HELOC. After a lengthy conversation over the phone with the bank representative I chose to apply for the HELOC. 
In the next few days I collected all the documentation they requested from me and took it in person to the branch, and in person gave it to the branch manager who was as always very proper, receptive and polite. 

A few days later I received by mail Chase disclosures on the loan and my rights under federal regulations. Also, someone from Chase left me a message. Her name, XXXX and I called back before XXXX, but she was not available. I left my number. The voice mail did not allow for a message, just a number. 

A couple of days passed, now it is XX/XX/XXXX, morning, I answered since I was in my free period between classes. I work as a XXXX. XXXX explained that she was the person I had to deal with for the loan. And needed me to do the application with over the phone and if I had 10 minutes at least. I explained to her I had already done the phone application over a week ago. She said it needed to be done with her. 
I was mortified that I had to do the application again. To add insult to injury, she recorded some of my responses I guess on the documents she needed. I explained all of those documents were delivered in person at the branch. She claimed she never received them either by fax or email. The minutes were running. As far as I knew the only thing missing was the appraisal which they had to schedule. 
She continue with questions, in a very discourteous manner. She wanted details on why I needed the money, exactly what I planned to do in the house and if I had already a contractor for the work. We hit several uncomfortable topics during this uncalled for interrogatory. Finally she told me that there was already an offer from Chase, at a lower amount. With the need to go back to work I told her all this had been a waste of time. Why not start where she ended and why all the inappropriate type of questions if they had already decided on what to offer me and according to her own words without seeing my documentation and an appraisal of my property. 
I am a long term Chase customer, have a mortgage with them, a checking and saving account as well as 3 credit cards. A Fico of XXXX and 21 years of employment with the same employer, XXXX. At the end this felt as pure and simple discrimination on the part of this division of Chase, or its employee.
I am writing regarding a collection account dated XX/XX/XXXX ( XXXX XXXX account ) being handled by Portfolio recovery. I have disputed this account since approximately XX/XX/XXXX without any documentation from Portfolio Recovery concerning validation of this debt. After many attempts disputing with all 3 credit reporting agencies I decided to dispute this debt once again. My most recent dispute letter dated XX/XX/XXXX addressed to XXXX. I did receive a reply today XX/XX/XXXX received by email message XXXX XXXX ( credit monitoring service ) that this debt is being reported as " past due '' and no longer a collection account. This maliciousness has to stop by this company. In the past they have reaged this account on many occasions and have caused headaches and damage to my credit. During this time I was also a victim of identity theft. As a result I have received free service through the experian credit monitoring service for several years. According to FCRA, all debts have to validated in order to collect a debt. To date Portfolio has not complied with the law and should be held accountable for deceiving actions. I would appreciate if CFPB could help me resolve this problem which I have tried to do myself with no success.
Transunion is reinserting deleted accounts on my credit report. XXXX XXXX XXXX XXXX has resurfaced on my credit report after it has been deleted without a 5 day notice which is a violation of the FCRA. This account was deleted once from my credit report and now its reinserted without my knowledge again.
I received an alert in regards to my credit report that changes were made on my credit report and inquiries were made on my credit report. The following information below is fraudulent inquiries and changes that were made on my credit report without my knowledge.
INQUIRY - XXXX - INQUIRY MADE ON XXXX-17. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT.
THIS FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT IS MAKING MY CREDIT SCORE GO DOWN. I WANT MY CREDIT REPORT CORRECTED IMMEDIATELY AND A FRAUD INDICATOR PLACE ON MY REPORT. IT MAKES NO SENSE HOW THESE CREDIT REPORTING COMPANY WILL PUT ANY AND EVERYTHING ON YOUR REPORTS AT ANY GIVEN TIME.
On XXXX/XXXX/XXXX I received a phone call from my neighbor that a tow truck had pulled through my fence and into my yard to tow my car. Because I was behind on my car payments I phoned XXXX XXXX who had merged with my original loan company named XXXX in XXXX. The original loan was with XXXX in XXXX. When they merged I only received XXXX billing statements over XXXX XXXX years. I sent payments with old statements or just a check or through XXXX XXXX. 
When I called on XXXX/XXXX/XXXX, They had no idea or documentation regarding the repossession, and could not answer why I did n't get any letters about the intended repossession. I was asked to call back in XXXX hours. After calling back and speaking with different people and different departments through out several calls the dame day, I was told that I would have to pay a total of {$2800.00} or a minimum of {$2600.00}. On the same call I was told if I pay XXXX of the XXXX due payments I could get my car back. Earlier I was told that this would n't include fees because they had n't been determined yet. However, when I called back on XXXX/XXXX/XXXX I was informed that I had XXXX pay {$3500.00} ( the total amount of the XXXX back payments Plus the late fess, tow fees, and repossession fees. This was contrary to what I was told a day earlier. 
In addition, I explained to every agent that I have not worked full time since XXXX XXXX, and that I had filed for Federal Social Security XXXX. I asked several times to refinance the loan. They refused each time.I even asked on XXXX/XXXX/XXXX, only to be denied. Finally, I should have received notice of pending action by the company regarding intended repossession.. Also, I should have received statement each month after the merger. No one could explain why I had n't got any correspondence. They said they 'd did n't have the change of address I made on my XXXX payment, but they had the right address to repossess the vehicle.
I fell behind due to lack of hours at my old job and due to the fact the shower collasped in this house, my car broke down and the furnace broke down. I have since gotten a good job with consistent hours good pay and receive adequate income from child support and ssi for my  XXXX  daughter and this company says I do not have adequate income. I have filed a dispute against the under writer to no avail. I really feel like I have been discriminated against.as a single parent and parent of a  XXXX  child I have called multiply times to talk to the under writer and have been bounced around and finally was able to leave her a message to this date she has yet to call me I have all this noted
I receive a letter from A.R.C Accounts Recovery ( U.S.A. ) Corporation LLC dated XX/XX/2018 claiming that I owe the XXXX XXXX XXXX XXXX XXXX {$2300.00} ( XXXX XXXX ). I have been in the US for 15 years and have never done business with the XXXX XXXX XXXX XXXX XXXX
In regards to XXXX, I have never used their services. When I was in XXXX my neighbor worked for XXXX and we had our phones through her. She did have my info, so I'm hoping nothing negative came of this. She changed jobs when we moved from XXXX to NJ in XX/XX/2011. My address there was XXXX XXXX XXXX XXXX. XXXX NJ XXXX. 
Note I have never walked in a payment to a phone bill. I would like to see proof of an ID for purchase of these phones. They stated I walked in payments in ca to pay. We lived in NJ during that time. I believe we used XXXX XXXX in NJ for 9 mo before I moved to Sc then used XXXX ever since. I had terrible credit and no money in NJ so I was unable to get regular phone service after my friend ended our XXXX usage. 
Also since XXXX we always had XXXX phones, one for me and my XXXX kids. I have disputed this with XXXX before and nothing changed off my credit.
hi. i have loaned money from ace cash express several times in the past 10 years.i understand that your company has settled a financial agreement from this company.please get back to me about this matter.they charged me an excess of interst, probably more than legal limit
sent po report to XXXX, XXXX, and transunion XXXX XXXX, XXXX and XXXX XXXX id theft victim sent everything to the major credit bureau
The Army Air Force Exchange is in accurate penalties that I do not owe. I have been threatened by taking my XXXX away. This action will cause me to become homeless as a veteran an financial hardship. I request actions be stopped
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company supposedly has on file that was used to verify the accounts and inquiries that I have disputed. Being that they have now gone 30 days and STILL can not verify these under accounts or inquiries under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete ALL information which can not be verified that I have disputed. Please resolve this matter as soon as possible as I am prepared to take legal action if this is not resolved.
I purchased a new travel trailer from XXXX XXXX on XX/XX/XXXX, and financed through Bank of the West. The amount financed on my retail installment contract is {$17000.00} and payment amount is {$160.00}. When I received my loan payment book from Bank of the West it showed a balance of {$26000.00} and payment amount of {$230.00}. I called Bank of the West onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and also went in to a local branch on XX/XX/XXXX. Everyone that Ive spoken with agrees that the amount is incorrect and they have a different vehicle listed as the collateral than what I purchased. Im always told that itll be fixed within 48-72 hours. I had to make the higher payment on XX/XX/XXXX to avoid having a late payment show on my credit report and I was told it should be fixed by the next week. The next payment due date is a couple weeks away and Bank of the West still shows my balance {$9000.00} higher than it should be and a higher payment than what I owe.
The debt was sold to collection agencies. The debt was paid to XXXX and XXXX XXXX XXXX. 

The debt is still reflecting negatively as XXXX  and XXXX on my credit reports.

It is still being reflected in my collections section on my credit reports.
I was offered to apply for a Kohls credit card to receive an additional 30 % off my purchase onXX/XX/XXXX. I was assured by the cashier ( XXXX XXXX ) that this would be a soft inquiry on my credit report. I even had her call the store Mgr. XXXX. XXXX to verify this fact. She concurred that it would be a soft inquiry. I was approved and found out later that it was HARD inquiry on my credit report, that would stay on it for 25 months! 

I have worked hard to build up my credit score and this misrepresentation is fraudulent and wrong. This kind of consequence affects peoples lives and its done for the sake of just signing people up for the store card, their bottom line? 

This occurred at the XXXX XXXX Kohls store at the XXXX XXXX XXXX.
I am registering this complaint against Ditech LLC. We had a loan with this company which was paid off on XXXX/XXXX/2016. They sent a check for the escrow funds they were holding in trust. However, the check was payable to myself and my husband who had passed away. I contacted them regarding this matter on XXXX/XXXX/2016 ; and was advised to return the check and send an original certified copy of his death certificate to the address in XXXX XXXX, Minnesota attention loan servicing - escrow. The check and the document was sent on XXXX/XXXX/2016 by USPS priority mail which was received by them on XXXX/XXXX/2016. On XXXX/XXXX/2016 I contacted by phone and the customer service representative stated the check and document had been received and to call back in 7 days. I contacted their office again on XXXX/XXXX/16 and was told I needed a probate affidavit ; asked why did they not tell me that in the last XXXX calls. On XXXX/XXXX/2016 I sent an " affidavit for collection of personal property under California probate code XXXX '' which was notarized along with a cover letter via USPS priority mail. The items were received XXXX/XXXX/2016 at the same XXXX XXXX Minnesota address. I have since contacted their customer service representatives and supervisors in Texas and South Dakota to no avail. On XXXX/XXXX/2016 I spoke with a customer service representative in South Dakota who referred me a director XXXX XXXX who requested I send an email with attachments of the documents ; which I did and a cover letter requesting she contact me and advise she did receive the email and documents. I have attempted to reach her on her private line and all I ever get is her voice mail. On XXXX/XXXX/2016 I contacted the Customer service department again and the customer service lead stated she would have XXXX call me back on Monday XXXX/XXXX/2016. This never happened. I have called the direct line several times since only to get her voice mail. I did notify her on the last XXXX messages that I would be contacting the " CFPB '' to report this situation. This company lacks in customer service skills, follow thru and follow up. I want my escrow monies ; I paid them in good faith and followed their instructions. I have asked on numerous occasions if they needed anything else from me and no one has said a word.
my hunsband got laid off from his job that he bend have for XXXX something years.we had to let our car go back .son had to come back from collage.we coundnot afford my house payment.
To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For XXXX XXXX  and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX
Unauthorized inquiry on my credit report from the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX  XXXX XXXX, OR XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Participant
My identity was stolen in XXXX and there are XXXX accounts on my credit report with TransUnion. i 've disputed the accounts five times in the last year and TransUnion refuses to remove them even though I 've sent supporting documentation and Police Reports to show the identity theft. 

The accounts are : XXXX with an amount of {$320.00} and XXXX with an amount of {$420.00}. NEITHER of these accounts belong to me and are both reported as FRAUD under my consumer statement. additionally the fraud that took place on my credit files so severe I had to legally change my first name. 

I 'm attaching copies of the police report as well as screenshots of the XXXX XXXX accounts. 

As per the XXXX other Credit bureau 's, XXXX remove both accounts from my credit file, and it 's currently under review with XXXX.
I called in to customer service to report XXXX fraudulent transaction on the exact same day. I was told by the representative to wait until the transaction post because the merchant place a hold on the funds. After waiting the 2 days I called in to report that I had been charged for XXXX transaction that I did n't authorize and was told to complete a dispute regarding both transaction in question. I completed the dispute and followed up many times to check the status of the claim. I was told several times that that merchant has not responded and it may take up to 45 days. However I asked the representative why every time I call in the fraud department they would transfer me to customer service and she stated because they filed the claim and not the fraud department. After the dispute was over I received an email that the merchant provided information to support that the transaction was valid and I would not receive my funds. I was told by the representative that the agent that took the claim filed it as a billing error and not a fraud claim. The representative stated that she would email the dispute team to have them to re-open the claim. I called back to follow up and was told that they had decline to open the claim and I would not receive a refund.
there is a collection agency XXXX XXXX that is on my Experian report. the original creditor is XXXX XXXX at XXXX I do not owe them the amount they claim I do I lived there for 3 years and owed them one months rent, I have tried to pay them several times they will only accept 3 months rent. i do not go with they say I do XXXX and XXXX have investigated and taken It off their reports Experian for some reason will not please help
Within 4 weeks, I have been contacted by the fraud departments for XXXX different credit cards. Chase Amazon Rewards, XXXX, and Chase Freedom have all said someone applied for credit cards in my name. I was contact by phone for the first XXXX and received notices in the mail for all XXXX. I said I had n't applied for any credit cards other than Symphony which is affiliated with a bed I purchased from XXXX XXXX on XXXX XXXX. This one is legit. The others are not. Chase Amazon and XXXX sent me the credit cards, and I cancelled them immediately. 2 days later, a bank statement from XXXX XXXX XXXX arrived in the mail. I have a valid XXXX XXXX card with them, but I did not open checking and savings accounts. The statement showed no activity on them. I closed these immediately too. 
All XXXX banks verified the applicant had my correct name, address and birthdate, but they gave different social security numbers and phone numbers. I went to XXXX and obtained a XXXX report on myself and enrolled in their credit alert program. My report shows recent inquiries from these banks. My name and address is correct on all. XXXX has an old XXXX area code phone number from 10 years ago, but it was mine. XXXX has a XXXX area code phone number which I have never had. I called XXXX and someone answered. Reverse white pages shows this to be a XXXX XXXX number in XXXX, California. I do n't know who it is, but it would be worth someone investigating. 
I 've never had an identity attack like this before. What do I do next?
HSBC refuses to confirm the date my account was opened. Per their terms, there is no early closure fee to close the account after 180 days. I opened my account ( opening deposit processed ) on XX/XX/XXXX. I should be able to close the account on XX/XX/XXXX with no fee, yet I am being told I can not close it without a fee until XX/XX/XXXX.