WillisBack/dataset-financial-user-claim huggingface dataset:
I had loans with this company in XXXX thru XXXX. I was trying then to as always establish my Business and my creditors were not reporting my actual payments. 
I have been trying to get good credit for my intire life it seems and have hired so many people and companies to help me achieve this goal.XXXX   XXXX was a great way to get my credit score and build my business credit. I have had 9 loans with them and paid them all on time. Once again, I went to them for help and was told on XX/XX/XXXX that I would not be able to get a loan .That my past loan into XXXX XXXX, my 10th loan I had never made a payment on and was still on my credit report and keeping me from able to get a new loan with them. I was told that because of that it was still on my credit even after 11 years. After I was told that I could not get alone I asked them to remove the credit inquiry hard and wiry for my report. They tell me that they weren't able to and I explained that they were and they could. I told them when I went in that I had them before and that always pay off my loans. They called me twice in the same week of XX/XX/XXXX. I win in only to find out that it seem like they called me on purpose to get me in to restart the loan that they said I didn't pay off that I don't remember ever applying for.
Hello ; how are you?     My credit report states that my oldest credit line is 15 years, but, in actuality, it is more like 27 years.     Please advise. I look forward to hearing from you soon.     Thanks so much ;  XXXX   XXXX
I applied for the capital one Savor card and was denied. I have do not have any derogatory accounts with Capital one and have actually had a Capital one XXXX XXXX credit card for a few years now in perfect standing My credit score is around 760. 

Additionally when I call the capital one contact person on the letter they sent me i leave a messsge and they wont call me back.
I asked Experian to delete inaccurate information from my credit report a public Record, inquiries and a closed credit card account and they failed to do so I asked to send me information in regards to these accounts and they did not provide it to me
I TRied making a deposit to an Bank of America Bank atm to make a deposit before I got hit by many over draft fees bank errors
I 'm unable to get up to date information on transactions from either the automated or phone teller on my checking account. This has resulted in my having to pay returned check fees because XXXX XXXX XXXX ca n't provide me with the information on checks cashed or processed electronically more than 25 days after the transaction via the automated system or banking tellers. The automated bank phone system is extremely disorganized I go through the entire prompt system still am unable to find out when the sent my payments or transactions were process till more than a month later. When I call in XX/XX/XXXX and XX/XX/XXXX to address this matter I was not given a straight answer on my account and why there system is not up to date. The XXXX XXXX teller just blamed four different merchants I sent payment to for them not being able to provide me with the most current information.
I borrowed money in the form of " Parent Plus '' loans through the Federal government and Great Lakes for my son 's college tuition since the school said he did not qualify for loans based on his own merit. After graduating five years later, my son ( technically I ) had accumulated over XXXX in loans and interest spread out among XXXX different " government backed '' lenders who all wanted separate payments or I could consolidate the loans on an income based plan which would be a smaller payment my son would have to make through me since he still did not qualify to hold the loans himself. Maybe in the fine print somewhere on page XXXX of the novel of a loan agreement it said that the loan would no longer be a true school loan with all the low interest benefits, but I did not know that at the time of refinancing. Now we are paying 8 percent interest on a modified government backed loan. How is that justifiable morally. The price of his education at the Colorado XXXX XXXX XXXX did n't yield an income representative of the hugely inflated cost he is paying and to add insult to injury, my lower income makes it impossible for me to refinance the loan with a lower interest rate.
my card was never received in the mail and was charged over 29000k in fraud and my phone was fraud ported over and this account i applied for was used, capital one claims zero fraud liability and there holding me accountable for these charges, i filed a police report and i filed a complaint with ic3.gov there violating my rights under the fcra and the fcba, i asked for the merchant responses and the signatures to verify those are mind since there claiming there mind they have refused to do that i spoke to XXXX and XXXX and there telling me thats not my right
Pro Collect listed fees as debt for an apartment that was vacated. This apartment complex was paid in full at the time of the lease termination. We have repeatedly advised them that this debt is incorrect and we have been provided no right to dispute nor have we been provided with the original debtor 's information, which we need becuase they sold the complex. We have receipts showing where the debt was paid and Pro collect will not provide us with any information so we can dispute. The manager refused to send me a copy of the notice stating he already sent it once to the wrong address and he declared he does n't have to do it again and said he did n't care about our credit or if we paid the debt.
We have been in touch with Wells Fargo directly and also through your system. 
Our credit report shows two HELOC Payments late. Which is NOT Correct. 
Each month we pay our bills and are given a conformation number to prove our payment. Wells Fargo takes another step and sends us a letter with another conformation number and our account information. We are still supposed to trust this. 
HOWEVER, We clearly have Conformation # XXXX for payment on XX/XX/XXXX for {$720.00}. Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last four of our bank account. 
We have a documented conversation with Wells Fargo Supervisor XXXX XXXX as well as her employee ID # XXXX. When we received a call that our HELOC was late, we were escalated to XXXX XXXX ( supervisor ) who explained to us that Wells Fargo had NOT Processed the payment, through no fault of ours and that no late fees or late notice would be filed - It was purely a Wells Fargo bank error. 

Second misreported late : We have Conformation # XXXX for payment on XX/XX/XXXX Letter of receipt from Wells Fargo saying they received payment with correct full routing number and correct last four of our account number. 
And a Note from my husband speaking with representative, same story, the told my husband that Wells Fargo just did not process. We were contacted by Wells Fargo saying they would look into it. 

Wells Fargo told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank weasel out of taking off this MIS-Reporting because they reported the date THEY PROCESSED, which is after they noticed THEIR mistake. 
Wells Fargo is KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. Please Help Us, XXXX & XXXX XXXX
The balance they are reporting on my credit reports are wrong. Td is reporting I owe XXXX but the debt collection company is reporting XXXX please report accurate information or delete
I have send numerous letters requesting verification of the debt I have in question. They have not provide any information regarding the debt. They also change the open date of the debt to more current.
I was steered towards forbearance when I explained I was having trouble paying loans. I was informed via email that my new loan servicer was Navient, I ignored the emails from Navient because I thought they were fraudulent or phishing. I had never heard of the company. A friend had to tell me it was a real company and my loans were most likely no longer under XXXX and that 's why I had n't heard from them in a while. This resulted in late payments because the forbearance period had ended. Additionally., I was only given XXXX bill every month it was not broke down to show a payment for each of the XXXX separate loans., However, when I missed payment a late payment was reported to the credit bureaus on each of my XXXX loans resulting in XXXX reported late payments. In my records I missed payment on a bill 8 times. This is misleading and the extent to which it has damaged my credit is only repairable with time. 

I have attached images of how my bill comes to me every month & how a payment is displayed only showing XXXX numerical amount, not XXXX.
Seterus will not send us paper statements, they falsely put out loan in their bankruptcy department when the loan ( sold from XXXX after being bought from XXXX ) was *never* part of the bankruptcy. We have been trying for months to get paper statements or at least view them online ever since the loan was sold over a year ago. This is insanity.
Transunion failed to follow Fair Credit Action 605b and block the info that is the result of id theft. This is my 4th request and I am including the FTC Theft form completed, Police Report, Drivers License, SSN card and proof of residence! Please block the XXXX XXXX account it is a result of ID Fraud!!!!!!!! Please review all attached documents and the FTC is n't signed because its an automatic report to the police I did but the police report is included as required under FCRA Section 605b.
I 've sent a valid police report several times to Equifax and they refuse to remove the fraudulent accounts on my credit report. they keep telling me they will not remove anything and that they are contacting the creditors. They automatically keep saying the accounts are valid and will not provide any proof these are vaild. They are indeed not valid!!! I am a XXXX veteran and Equifax is refusing to take any action to correct this situation of ID theft!! I want Equifax to remove these fraud accounts asap!!! Included in the most recent police report are all the fraud accounts listed. I 've been disputing these items for several months now with no avail!! not even with a police report will Equifax do anything!!
I sent Bank of America a letter XXXX XXXX, XXXX which I got from the Credit Card Agency stating that I have no money to pay and that I 've become totally & permanent XXXX. My XXXX income are totally used up covering my minimal expenses. I asked to close my account, cease and desist from all future attempts to collect on my balance. Do not attempt to contact me by phone and do not discuss or contact anyone regarding m account. I received a letter XXXX XXXX saying they 'll stop communicating and updated their records. Said collection calls & letters have been suspended as I requested. I sent in a complaint XXXX/XXXX/XXXX to submit a complaint about contacting the credit card and consumer reports. In their response they also said my card was still valid. Said credit was extended to me, and this constitutes an extension of credit under federal law and is governed by federal and applicable state law. I did go over my limit when I had to pay for gas. I did n't ask them to up it. I was paying minimal to get it paid off. The interest rates were going up slowly and slowly. Said I was a customer since XXXX. I 've been a customer since XXXX XXXX.
The attached post on my credit bureaus claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/2017, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged.
Sent Regions Bank XX/XX/XXXX informing them that my ex-husband XXXX XXXX filed bankruptcy XX/XX/XXXX furthermore the court has entered an order of discharge releasing him from all debts. Nevertheless, Regions placed debit on all three credit reports. I requested them to remove debit from my credit file per bankruptcy on XXXX XXXX credit file original account holder. Contacted all three credit reporting companies XX/XX/XXXX and XX/XX/XXXX to file disputes, however they did not remove item from my credit report.
This company failed to verify my alleged debt with-in the 30 day time frame allocated by the FCRA, this company was then forced to delete this debt from all reporting agencies. this company did not update XXXX with this information as they still reported this debt. i have disputed this with XXXX recently and are awaiting the results. the law requires that if a company reinserts deleted information then they must provide me with notification within five days of doing so. They failed to comply again!! i'am beyond frustrated with this company as they keep reporting debts that do not belong to me. to make things more interesting they falsely stated that i paid the account and placed the item back into my report on " paid status '', i have not paid this company a dime because this debt does not belong to me. so because this company was forced to delete my information, they choose to do what ever they can to make my life miserable. They have repeatably broken the rights i have as a human under our federal government guidelines. something must be done about this! we must find out who makes the decisions at this company and hold them accountable!
my account had identity theft and chase XXXX closed yhe account and sent it to collections with notifing me of there action or the out come of the identitiy theft
In XXXX I purchased a property IN FULL, IN CASH from XXXX XXXX. According to the XXXX XXXX in MA, XXXX XXXX could not legally sell me the property, because they had not yet correctly completed the Foreclosure process. I was issued a Cert of Title declaring the property free and clear, but as it turns out it was not. I have lost tons of money, and my family is suffering greatly over this matter. WF lies and denies involvement in the matter on paper. I possess a written declaration from XXXX XXXX from the WF Ex Office declaring that WF has never, nor do they now have any stake in this property. ( Please see attached " Answer of MERS & Wells '' doc provided to prove this is a lie ). I need help in recovering my losses over this property. Can someone PLEASE HELP ME and my FAMILY! PLEASE! 
" All of this arises out of the MA Land Court 's spring XXXX decision in XXXX. The decision was affirmed by the Supreme Judicial Court in XXXX. The effect of the decisions was that foreclosures had not been done properly. 

The initial foreclosure in this case was done around the time of the Land Court 's decision in XXXX. The lender realized that it had a problem and then attempted to remedy the problem by re-foreclosing. 

When they re-foreclosed they did not do so in the name of the grantee on the initial foreclosure deed. 
The following explanation makes it defective. 

The mortgage was assigned on XXXX/XXXX/XXXX - the date that the assignment was executed. 

The first publication was on XXXX/XXXX/XXXX. Therefore the foreclosure was defective and the mortgage passed to XXXX XXXX, as Trustee under Pooling and Servicing Agreement dated as of XXXX XXXX, XXXX Securitized Asset Backed Receivables XXXX XXXX XXXX Mortgage Pass Through Certificates Series XXXX. 

The subsequent foreclosure was conducted by XXXX XXXX as Trustee instead of by XXXX XXXX, as Trustee under Pooling and Servicing Agreement dated as of XXXX XXXX, XXXX XXXX XXXX XXXX Mortgage Pass Through Certificates Series XXXX. '' - XXXX XXXX, XXXX XXXX, XXXX, Title Insurance Lawyer representing XXXX XXXX XXXX.
Upon trying to get a vehicle loan I found out that USAA was reporting a charge off on my credit. So I called they ran me around then said a unpaid fee was on the account and would be backdated to the payoff I made in XXXX of XXXX. I have spoken to them in social media they say they would correct and back date. They have n't I have contacted them directly they said they would back date they have not. Then I contacted they BBB and they contacted usaa said it would be back dated now they whipped the reporting of XXXX and XXXX but left a failure to pay mark for XXXX XXXX on my credit. I need resolve and this fixed right its is hurting my credit bad as history is 35 % of a credit score.
Transunion charged me XXXX twice on XX/XX/2017 after accessing their site to research credit monitoring. I never authorized a charge or provided a credit card number.
The XXXX collection items on my credit ... ARE NOT MINE AND WHEN I NOTIFIED MCM OF THIS THEY REFUSED TO GIVE ME THE OPPORTUNITY MY LEGAL RIGHTS. THEY DO NOT CURRENTLY HAVE NOR HAVE THEY EVER HAD MY CORRECT ADDRESS. XXXX THE WOMAN HUNG UP ON ME.
These account are open because of fraud. I have disputed with the companies more than once. not sure why they continue to be on my credit report. 

XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX {$3800.00} XXXX XXXX XXXX FINANCENeeds Attention Last reported : XXXX XXXX, XXXX {$3000.00} In Collections/Charge-off XXXX XXXX XXXX XXXX NA Closed : XXXX XXXX, XXXX {$1000.00} Closed XXXX XXXX XXXX Closed : XXXX XXXX, XXXX {$200.00} Closed
This debt buyer is reporting inaccurate information on my report. They have never sent me a notice of the account information, nor have they validated/verified the debt before placing it on my credit report. This account was paid directly to the creditor. I 've asked XXXX to remove it & they claim I need to contact the debt buyer directly. I 've called them on the phone to remove & they said I owe it & I have to pay, but yet they 've never sent me anything ... .this is strict violation of the FDCPA & FCRA. I 'd like it removed immediately.
Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
I receive calls for a XXXX XXXX or XXXX XXXX on phone number I have had since 1970 's. I do not know and have never known anybody by this name. I have contacted XXXX of the debt collectors and requested they remove me from their contact list. This works for a few months, then they are calling again. No notifications come to my address from these collectors, nor does this appear to be identity theft.
I tryed to dispute these accounts back in XX/XX/XXXX XXXX bank, XXXX, and XXXX  XXXX  with all three CRA. I have attached documents showing what they sent me ; also Ive attached information from Experian showing multiple names for me and multiple addresses this should not be on my report all of these names for one person. I asked these companies to send me something with my signature or an original signed contract but the results were the documents I have attached. Also XXXX XXXX was deleted off of my credit report that was reporting XXXX but the CRA is still reporting this XXXX account.
I contacted XXXX, Experian and XXXX via certified mail and return receipt regarding a bankruptcy showing in the public record section of my credit reports. I asked them to validate this bankruptcy and to provide proof of this. I have asked for copies of documentation associated with this account bearing my signature. They simply verified this information by utilizing their automated computerized system XXXX and due to this they just updated it. I contacted the court to see if they indeed report to the credit bureaus. They sent me a letter back stating they do not report bankruptcies to any of the 3 credit bureaus. My XXXX XXXX information is frozen and I also opted out of them selling my information to anyone. These credit bureaus are reporting false information which is a violation of the Fair Credit Reporting Act. This public record needs to be removed immediately.
XXXX XXXX has claimed that owe XXXX XXXX {$2700.00} for a payday loan ( which is not legal in Maryland XXXX I have told them on several occasions that this is not my debt, they have listed this on my credit report
MIDWEST RECOVERY SYSTEMS is reporting a charge off from the XXXX XXXX on my credit. First, its not my debt and i never had an account with the XXXX XXXX. Secondly, when i called they said it was opened in XXXX, so its past the statue of limitations for reporting. They are reporting it was opened in XXXX XXXX, They are breaking the law and i want it off my credit report immediately. They need to provide the original documentation which shows when it was opened as well as it not being mine.
XXXX XXXX XXXX XXXX ( NMAC ) ( XXXX  ) XXXX financed my XXXX XXXX XXXX XXXX for the same year. As weeks turned to months then years ( NMAC ) began to access a fee and I called but could not speak with any first language English speakers. So next I wrote NMAC about the same only to get another somewhat foreign listener about Fee & Fees plus now there was a force multiplier although the note was met. This account showed fee had fees and it was reported 30 days, 60 days, 90 days but it was not reported as such. Whether it was small it was not shown late but forced multiplier meaning I am paying even more ( in an above the note ). Well I want all derogatory marks removed because all fee/fees were PAID and accepted as such. Well if so why report 30,60,90 day ( s ) all should be removed and marked paid/closed an not reflected as opposite.
Equifax released what I assume to be my credit header information to an undisclosed party due to inadequacies in their protection of my information. 

I was told to check on their site if I had been affected and was told based on my last name and last 6 digits of SSN that I was part of the breach.
I called XXXX XXXX XXXX Bank several of times and spoke to different managers and filed a complaint with them multiple times about the inquiry that they have put on my TransUnion credit file on XXXX/XXXX/XXXX, a member of their branch office which pressured me while I was there inquiring about some fees that I was being charged for. 
When I was there the lady assured me an approval for a new credit card, she was pressuring me to do something that I was not wanting to do. She asked what my credit score was and she tried getting me a new credit card, I told my score was low but she said do n't worry its good enough, she said you will be approved for a new card with that score, she came back and said you will get something in the mail. 
After trying to resolve this now I 'm filing a further complaint.
I have reached out to this company and sent validation letter regarding account # XXXX in the amount of {$490.00}. This amount is incorrect and should be investigated