WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the XXXX Report XXXX, you are required to comply. My name is XXXX XXXX. My current employer is XXXX XXXX XXXX. There are addresses and information that is not accurate : XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
I recently received notification that my credit score had changed. I immediately checked with credit reporting agencies and found that my credit history with XXXX   includes a derogatory mark reported on XX/XX/2017 by a collection agency identified as Commonwealth Finance. The debt claimed is in the amount of {$1100.00} ; the original creditor is identified as " XXXX XXXX  ''. XXXX  would not provide any additional information. I have no knowledge of this activity and I was not aware of this alleged debt, nor have I ever been contacted by Commonwealth Finance, XXXX XXXX, or any other party regarding an outstanding account balance or debt owed in this or any other amount. As a result, my credit has been damaged without my knowledge and without the opportunity to dispute or otherwise rectify the situation.
I recently disputed late reporting on my credit file with Capital One Auto and asked them to address several late reportings. Capital One provided me with statements/proof for some the late disputes. They failed to provide me with Inaccurate late reporting for XX/XX/XXXX and XX/XX/XXXX. I will wait on this information from Capital One.
Equifax Has been Hacked 143 million, They finely gave a news cast They are not concerned enough about me or any of there customer to contact them personally.
I contacted Equifax.
Equifax finely said Thursday, hackers STOLD, sensitive personal data, Social Security numbers, birth dates and home addresses.
Equifax said the breach began in XX/XX/XXXXand continued until it discovered in late XX/XX/XXXX.
Poss ably my Social Security numbers and birth date and other information about me, is in the hand of thieves ...
Equifax also lost control of drivers licenses, credit card numbers and credit dispute documents for 182,000 people.
What little information I have got is not enough ...
I need answers, Not token responses to this problem.
At there web sight, no help They said check back on a certain date.
I have to do the work they are lackadaisical.
I had numerous issues with Navient ( XXXX ) from the start. From endless fees, to obnoxious harassing phone calls, extremely high interest rates, the list goes on and on. The representatives at Navient are disorganized and super hard to deal/work with. They are an extremely corrupt company! I always have problems with them making mistakes on my loan payments. They tried to withdraw even more money from my bank account that I had authorized and put my account in the negative. So many problems with Navient!
Been paying NAVIENT every month for years yet they fail to credit my account and report me in default every month -- -totally destroying my credit reports plus never responding to my queries. No payments forwarded to my school debt they take my money and keep it for themselves -- -RETURN MY PAYMENTS AND MY CREDIT!!!!!
XXXX county recorder shows a lien file XX/XX/XXXX with a balance. an individual chapter XXXX bankruptcy XXXX debt in 11/2014. I have disputed item multiple times and lien is not removed and balance remains. I had filed a chapter XXXX XX/XX/XXXX that was dismissed and maybe a duplicate file or the original debt was joint and my individual chapter XXXX makes me not responsible for this debt.
I am a real estate agent and our buyers were pre-approved through American Financial Network , Inc. We went into contract on a home on XXXX XXXX and I kept in touch with the lender throughout the process to ensure a timely closing by XXXX XXXX. When I checked on the loan the lender admitted to starting the loan process late and then had a few tax lien conditions to work through. We were told that the underwriters were based in California and were not very responsive to the lenders. The lenders, in turn, were slow to contact us and often required multiple calls, emails, and texts to check in on the loan process. We had to extend the contract two times to try to close by XXXX XXXX. We were finally given the clear to close on XXXX XXXX and we scheduled the closing for XXXX XXXX at XXXX. We officially closed today, XXXX XXXX at XXXX. At XXXX, we received a call from the lender that the loan would not fund because the person who issues the funds found out today that one of our clients had lost their job on XXXX XXXX and would receive severance pay for 1 year ( not the the 3 required for FHA loans ).
Upon having my debit card rejected when attempting to purchase a coffee, I checked my account statement online which read $ XXXX. A check had been deducted from my account for {$40000.00}. I suspected check fraud, called Santander and was instructed to proceed to a branch. 
While at the branch, the tellers and I deduced that an ATM error misread my check for {$40.00} and, unfortunately, nothing could be done. I demanded that this be resolved as soon as possible as I needed gas to return home but was told that the check had to be cleared before any action could be taken. This could take up to 2 business days. I asked how this amount could be automatically subtracted from my account with no alert, whether electronically or by phone and the tellers could not provide a sufficient answer. The teller then advised that I should have a credit card as a back-up for gas and I should have downloaded the Santander app. The Santander app would have alerted as soon as the check was deducted from my account. The teller further indicated that if I had acted sooner, ie. in the morning vs. afternoon, this problem could have been averted. 
It has now been 24 hours and I still do not have access to my funds and my account remains to be $ XXXX.
I disputed the account with XXXX XXXX Acct # XXXX XXXX with Experian, XXXX and XXXX. Experian conducted an investigation resulting in the account being deleted. However the account was re-inserted back onto my credit report. I was not given notice of this according to the FCRA. I 've attached and highlighted evidence of the account being deleted.
My  XXXX   XXXX  Account that was  " In Good St anding '' on my credit report has been deleted or blocked from my report and my report no longer generates a score because of no credit history. The account should NOT have been removed.    XXXX   XXXX  Credit Card Account #  XXXX  ... Date Opened :  XXXX   XXXX  First Reported :  XXXX   XXXX  Credit Limit : {$7700.00} Payment History : starting  XXXX   XXXX  - current I have contacted  XXXX   XXXX  customer service dept. and also th e Fraud Dept. an d both departments informed me that they have not stopped or requested removal of my account reporting and that my account is currently scheduled to report currently. A letter confirming that reporting is in effect has been sent by  XXXX   XXXX  to all  XXXX  bureaus to prove this fact.   I recently filed an Identity Theft report that included  XXXX  unrelated  XXXX   XXXX  accounts and I feel that there is a possibility that the wrong account " In Good Standing '' was blocked by mistake, because the fi rst 4  digits are the same "  XXXX  ''.
third party collection agency garnish my wages with verifying the debt after I sent them a debt verification notice several times
Consumer Financial Protection Bureau, I am very excited to have found you and know that you will be able to help my situation. 

Right now, my husband and I are closing on our house on XX/XX/XXXX ( 14 days from now ). When we obtained an updated copy of my credit report, I noticed that there are 90 day late payments on my XXXX student loans that are being serviced by XXXX. Acct # XXXX. 

Additionally, they are reporting an " Account Status '' as " Currently 90 days late ''. 

Attached is a faxed document from XXXX showing clearly that my account is current and NOT 90 days late. 

My experience in legal matters is extensive in knowledge of the Fair Credit Reporting Act. The Act specifies prohibited practices in the payment reporting guidelines. There can not be a 90 day late payment unless there is also a corresponding 60 day late payment and a 30 day late payment ( credit report attached to this investigation request ). 

I request that Transunion remove the illegal 90 day late payment history for XX/XX/2017 for all XXXX of the XXXX accounts # XXXX. Also, change the " account status '' from currently 90 days late to " Currently Paid or Paying as agreed ''. 

Thank you VERY much.
According to NetSpend 's website : " When you refer a friend who activates their new Netspend Prepaid Card and loads at least {$40.00}, you both get a {$20.00} credit. No reward will be credited to either party if referred individual had another Netspend managed program card that was used for a value load, purchase, cash withdrawal, or incurred a balance inquiry fee at any time during the 180 calendar days before the day the {$40.00} load requirement is fully met. Only cash reloads and direct deposits count towards the minimum load requirement. Allow 2 business days for {$20.00} credit to appear on each Card Account. The XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX are not affiliated in any way with the Refer-a-Friend rewards program and do not endorse or sponsor this program. '' I have met the foregoing requirements and have not received my {$20.00} credit. I have connected with NetSpend on innumerable occasions whereas they confirmed I am qualified and will receive my bonus credit. I have spoken to several supervisors that requested escalation requests on my behalf. It has been over a month and I have not received my referral bonus of {$20.00} ; when their website says it takes two ( 2 ) business days. This is misleading advertising and a violation pursuant to the federal truth-in-advertising law.
My spouse and I have had to have you intervene on several occasions concerning our home mortgage in the hands of Ditech Financial, LLC, and their incorrect reports of us not paying our mortgage payments, charging us copious late fees, threatening foreclosure on our home, reporting this incorrect information to the credit bureaus causing damage to our credit, etc. This company continues to remove all of the incorrect information when you get involved, only to turn around and do the exact same thing within 3-4 months. They are now claiming that we 're 3 months in arrears, claiming we did n't pay in XXXX of XXXX, XXXX of XXXX and XXXX of XXXX, which we have cashed checks from the bank to prove otherwise. And the continued late fees they continue to add onto our account is insane when you consider this is their accounting error. 
Not only have we made every single payment ( as our complaints before ), but we 've paid every single payment early. At this point, they are also trying to get more money from us by sending us letters regarding our escrow balance being too low, which is incorrect as well. We 've had this problem with Ditech going back to XXXX of XXXX, where they applied our XXXX ( XX/XX/XXXX) and XXXX ( XX/XX/XXXX) payments both to the month of XXXX ( XX/XX/XXXX ), as they admitted on many occasions. This became an issue when Greentree sold/merged with Ditech and we are simply sick to our stomachs having to continually deal with their fraudulent reporting/record keeping. This has caused medical conditions to flare up, costing us more and more money as well. 
We believe Ditech needs to be shut down, we 've read the countless complaints others have posted, including losing their homes to this company from their fraudulent practices. Enough is enough and something NEEDS to be done. We can not even refinance through another lender because of these problems!
I keep receiving notices for reducing my mortgage from multiple companies that have apparent information regarding my credit and mortgage loan amount. Several of the fliers have " last notice '' on them. First direct lender sent one with a number to call to Opt out of these notices, when I called the number they wanted my social security number and it was a mortgage company. The number they listed was XXXX, if this was an opt out number why would it be a mortgage company?
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TN  XXXX   XXXX  Public Record Date Status Amount Legal Item Apr  XXXX ,   XXXX   Paid {$6900.00}  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Apr  XXXX ,   XXXX   Status Paid Amount {$6900.00} Classification Legal Item Type  XXXX  Contact Details  XXXX   XXXX  SESSION  XXXX   XXXX   XXXX   XXXX , TN  XXXX  (  XXXX  )  XXXX  Since you currently have an open dispute request, you ca n't dispute any other errors through   XXXX   XXXX   at this time. If you found new errors to dispute with TransUnion, please wait for your prior dispute request to be processed or contact TransUnion directly.   See the details here  XXXX   XXXX   XXXX  on your credit report This debt is with  XXXX   XXXX   XXXX . I have included the doc number and phone number. This debt was never mine. It has been paid in full but still remains on my TransUnion report. You need to contact them at the number indicated above and have it completely removed as a public record. Thanks
I requested a credit report for all XXXX of the credit bureau report on my credit. XXXX and XXXX has my score at XXXX when I check Experian they report my credit at XXXX, which is over XXXX points difference from the other XXXX bureau. I wrote them a letter 30 days ago and still have not received a response. The reporting is creating havoc on my qualification for credit. The selection above does not match my issue with Experian
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported an unpaid medical debt to the 3 major credit reporting agencies. I recently was denied an extension of credit because of this information. I have contacted this company at multiple addresses since as early as 2016 and they refuse to validate the debt. 

I went to the hospital that allegedly provided services to me and the date of the services allegedly provided was a date that I could not have been provided services as I was in California. 

This company is reporting the false debt under 2 different names.
On  XXXX   XXXX ,  2017 I  sent a letter via certified mail with return receipt to  XXXX  and Equifax Consumer dispute center in regards to removing unauthorized inquiries from my credit report as are my rights under FCRA. On  XXXX   XXXX ,    2017 I re ceived notification via USPS that the letter had been received by   XXXX    and Equifax. I have yet to hear anything from   XXXX   or Equifax regarding this matter. I have not received notification that my dispute has been received. I called  XXXX  and Equifax Customer Service disputes dept on  X/XX/2017   , I was told by a representative that they have not received my letter in regards to my dispute although I have proof that they sign for the certified letter. This is unacceptable and unlawful. My rights have been violated, I am entitled to a response from my inquiry per FCRA regulations.
I received from my employer a Judgement/wage garnishment from XXXX. I contacted XXXX XXXX immidietly, trying to figure out why I was receiving a judgement/garnishment. It was for a credit card debt owed by my exhusband. I explained to XXXX XXXX that the credit card owed was a legal responsibility of my exhusband, but XXXX only gave me the option of paying the amount in full ( along with legal fees and interest rate XXXX, or XXXX would move forward with wage garnishment. I paid the debt with the understanding that if paid in full the judgement and collection will be removed, since I never received notice of debt or right to dispute, prior to judgment/wage garnishment. The debt did not belong me, it legally belonged to my ex-husband and was docummented on divorce paperwork XXXX legal document ).
We have requested information from roundpoint concerning payment information this company has refused to follow legal documents and have added all types of additional fees and interest, we have sent in copies of documentation this company refuses to follow and know sent a default and intent to accelerate we have all receipts from making good faith monthly payments
XX/XX/2018 - I received a call at work asking for me under my name maiden name. Quickly I responded and said there is no one under that name. 
I check my credit report because I don't want any surprises, I noticed they were seeking my information. 

I find that this debt collection agency to be in breach of FDCPA, prohibits debt collection calls to your job.
XXXX XXXX, PA XXXX, Syncb XXXX, FL, XXXX XXXX XXXX, are all the creditors that are reported on my credit report that caused my score to decrease unlawfully. My XXXX  score was XXXX dropping 93 points and my XXXX  score was XXXX dropping 139 points I'm not a credit expert but, I've been working on fixing my score for the last almost 2 years and now due to two inquiries and a {$70.00} increase that means my score decreases that extremely? Or is it because I'm a XXXX XXXX  man that's trying to better my credit score and my life so all odds are against me? Please restore my credit score That I work so hard to fix that they 3 bureaus took from me.
Hello, Today I received a menacing letter from a company called Collins asset group LLC XXXX XXXX XXXX, XXXX, TX XXXX. The letter I received claims it 's a notice of intent to accelerate and right to cure. The letter then goes on to reference " Please note pursuant to the promissory note executed on XX/XX/XXXX between you and XXXX XXXX XXXX in the original loan amount of {$22000.00} this letter serves as Collins asset group LLC 's notice of intent to accelerate the entire principal balance due of the promissory note. If you fail to remit the current outstanding past due balance in the amount of {$20.00} within 30 days of this letter and bring your principal payments up to date according to the term of the promissory note, Collins asset group will accelerate the entire principal balance of the loan that was not previously forgiven pursuant to our letter to you dated XX/XX/XXXX and refer your account to its legal department. " This is the first letter I have ever received from this company they are incorrect in stating they sent me a letter dated XX/XX/XXXX. Not only that but they are attempting to collect on a debt that is over 10 years old. I have researched this company and apparently they use the same dishonest tactics in an attempt to coerce people to pay debts that much like in my case are not even on their credit reports anymore. Much like many hard-working people in this country, when the mortgage crisis happened, I not only lost my job in the real estate business but I also lost the ability to pay for the mortgage I had. <P/>This company has not sent me a contract showing they lent me something or provided service to me or that I agreed to do business with them, I have told them that any contract with me has to be between the accuser and me with both of our signatures. I had no knowledge of this company until recently, have never contracted with them, they are strangers to any transaction with me and are not qualified to claim that I owe them something. I have disputed this with all - credit reporting it has been deleted inXX/XX/XXXX. I have demanded validation from the accuser/furnisher and they have not validated with any proof of a contractual agreement between me and them. So, they are trying to collect again on a debt when does it end? Its like a merry go round and it 's unjust harassment because now I fear I have to go through the process again in order to get an old debt deleted, consumers are faced with these collections agencies that do nothing but waste time and I value my credit and it 's very important to keep these collections agencies away when they have no merit to pursue their actions.
I have submitted the Federal Loan Forgiveness Application to  Navient twice once in the Fall of XX/XX/XXXX and in the Spring of XX/XX/XXXX. I when I called they said they never received the application however I have a fax transmission saying it was delivered successfully.
I traded my VW Beetle in for a VW Passet on XX/XX/XXXX. XXXX told me that they would pay the last two remaining payments on the VW Beetle. I received a bill in XX/XX/XXXX for the VW Beetle. I called VW Credit and XXXX. They told me not to worry that they were handling it and that it would n't show up as a late payment on my credit report. I then received another bill from VW Credit in XX/XX/XXXX. This time I drove down to the dealership ( XXXX ) and spoke with accounting. I also called VW Credit. I was told that they were n't sure what happened, but apparently they had some type of accounting error. I was again reassured that my credit would n't be affected. My wife checked my credit report and saw that VW Credit did in fact report a late payment for XX/XX/XXXX and XX/XX/XXXX to XXXX as well as XXXX. I drove directly to the dealership and was told they would handle it. Finally, after two months ( XX/XX/XXXX ) they cut me a check, in which I turned around and paid VW Credit that very minute. I called VW Credit three different times speaking with XXXX and then again a XXXX requesting a letter showing the mistake made on their part and requesting that they notify the credit reporting agencies correcting and removing the two late payments. I finally received a letter from VW Credit on XX/XX/XXXX stating they would do so. My credit report still shows the two lates payments for XXXX and XXXX. These two late payments need to be corrected and show paid on time. Not to mention they also showed the VW Beetle on my credit report as if I still owned it for those two months when it had already been resold to someone else. This has adversely made my Fico score plummet all because of an accounting error?!! I kept being reassured that my credit would n't be affected.
I received an unsecured personal loan from Wells Fargo. In making payments on this loan I noticed that the loan interest and due dates would not reflect my payments. I approached my local Wells Fargo bank branch manager regarding the issue. After 2 weeks the issue is not resolved and I've been told that due to technical issues my loan issue has been escalated to the executive and technical branches of Wells Fargo. I was also told that I was not the only person experiencing this escalation of the technical issue. At this time I'm unable to make loan payments and the daily interest is unfairly accruing because I'm unable to make a loan payment.