WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Transunion and XXXX regarding to let them know that my XXXX account has been completely removed from my credit report. This is an account that was paid on time for over one year, and each payment was reported by the utility company. When the account was removed from those credit report agencies my credit score dropped about XXXXpoints, so I called both of them to ask why this happened. They told me to call the gas company and find out what happened. I called the gas company and they told me to call the credit bureau because they never asked for anything to be removed from my credit report. This has never happened to me before, and it has affected my ability to obtain a new apartment because of the drop in my credit score. I would like to know what I can do about this.
On XXXX XXXX 2016 I purchased a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. everything was good until l started to have warranty issues with the truck. I had it to the dealer 4 times for the same issue to try and get it corrected. Ford motor Company was going to fill it under the lemon law as they could not find a solution to repair. They even took the truck to their Tech Center in XXXX Michigan to have the engineers try to find a solution since they had ten more vehicles with the same issue being brought to dealers. I made payments even when they were working on it at first. During this time I had numerous conversations with Ford Reps and I was told since they were going through the lemon law process that i did not have to make payments as I was not in possession of the vehicle the manufacture was in possession. It took 3 months for them to find a solution to the issues with the XXXX XXXX XXXX XXXX. When they told me i could get me truck back i accepted the vehicle and began to make payments like normal. I spoke with Ford Credit about the issue and they agreed the account should not show delinquent and in fact their own web site shows me as being current. I do not understand why this erroneous information is on my credit report. If Ford Motor Credit can show on their site that i am current what is the problem with the credit report. I am at the point to getting a lawyer and get this straightened out. You would think that Ford Motor Company whether it be the manufacturer or their financial branch would be able to get an issue like this straight but that has not been the case. Ford Credits response to me was well this is Ford Motor Credit we are not Ford Motor Company. But they share the same corporate hierarchy. the new CEO is over both divisions. My payments are XXXX and my balance is XXXX. My trucks VIN is XXXX account # XXXX
On XX/XX/XXXX Earnest sent a payoff letter for an installment loan we had taken out via their website. The loan was in good standing and we never missed a payment or were reported late. The payoff letter clearly stated, " Balance : ( payoff now ) {$5200.00} ''. The letter further states that if paid on XX/XX/XXXX the balance would reduce to {$4800.00}. This loan was paid through a settlement at XXXX XXXX XXXX on Friday XX/XX/XXXX and the check was received by Earnest on XX/XX/XXXX according to the signature from the XXXX receipt. XXXX XXXX sent a check ( attached ) for the amount of {$7200.00} leaving a {$2000.00} overage. After contacting Earnest several times to receive the overage back, we have been unsuccessful in obtaining our money. We have spoken with XXXX and XXXX several times via telephone at XXXX, and although they are/have been extremely kind and cooperative, nothing has been done to honor their payoff amount, nor have we received any satisfactory account and return.
I had a citi bank XXXX XXXX XXXX XXXX. XXXX decided they were switching to XXXX XXXX for XXXX XXXX. I told them I not want an XXXX XXXX Card and I did not want them to transfer my information to XXXX XXXX. Citi Bank said the only way to stop this was to cancel my citi bank credit card. I did this, but I still received a XXXX XXXX Credit card in XX/XX/2018. This means XXXX XXXX was given my information without my consent. Citi Bank gave my information to XXXX XXXX even though I expressly told them not to do so.
Today XX/XX/XXXX, I received a letter trying to collect on a debt that is 1. over 8 years old, and 2. paid off in XXXX, and 3. I paid taxes on it. I called and spoke to XXXX, she was not a good rep and not helpful. I told her that I paid this debt in XXXX and paid the taxes on the debt cancellation, which she seemed like she had no idea what that is. I also mentioned that I was not happy over the fact that they are trying to collect on a debt over eight years old, and also that I paid on it in XXXX, and I have proof. That I would need their information so that my attorney can contact them since this is clearly illegal. She also said this would not go on my credit report, I found that strange. Most all collection companies report it. I worked very hard getting my credit back up to 700+. A few minutes go by, I got my old records out of my XXXX account and my CPA 's records, I thought I need to call them back and get th complete account number to reference to to give to my attorney. When I called, the person I spoke to gave me no name, I asked for the account number she said there is not one, and I said that this seems to be illegal that they are trying to collect twice on the account and its over 7 years old, she immediately hung up. I was nice to each persons on phone, but firm in voice, as they were too. The Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX NV XXXX XXXX Ref # XXXX Amount : {$4300.00} Original Creditor : Wells Fargo Bank Current Creditor : XXXX XXXX
My XXXX mortgage on a home I own was sold from XXXX company to another. XXXX No, this is not my specific complaint. ) The information provided to the new company that assumed the loan was grossly incorrect, and as a result of this, the new company sent a letter to the tenants of the home ( I rent it XXXX stating that the home was in jeopardy of being foreclosed on. Thankfully the tenant immediately contacted the property manager who in turn contacted me. ( I was able to immediately make the necessary payment to restore the account, the NEW account. ) Complaint facts:XXXX The address that Ocwen ( the company that had the loan ) provided was a no-longer-valid address for my ex-wife, who had moved out of that address BEFORE Ocwen even assumed the loan. XXXX This address was NEVER provided to Ocwen ; I suspect they did an internet search or credit check to find this address. ) XXXX. My ex-wife never made a single payment to this mortgage, so identifying her and her ( no longer valid address ) makes even less sense. 
XXXX. I provided Ocwen my correct address, email address, phone number, and bank information several times over the XXXX month period Ocwen had this loan ; and none of my information changed during this 18-month period. 
XXXX. I did not, as a result of Ocwen 's inability to keep track of my personal information, receive any notification from them that the loan had been transferred. 
XXXX. I use online banking to pay my mortgages, and by far, Ocwen has been the most difficult and least responsive mortgage company I have ever dealt with in the XXXX years I have had a personal home mortgage.
XXXX is incorrectly reporting that I have caused six ( 6 ) inquiries into my report during the past two years, a fact that in completely wrong. 
I found that information through XXXX credit monitoring who uses that agency for credit reporting. This is obviously affecting my ratings as I make it a point to not have many personal accounts open. I do pay all my accounts on time and do not seek additional credit, do not accept the XXXX offers that are sent to me on a regular basis. 
The objective is to correct the errors and issue a corresponding score consistent with the facts.
I lost my job due to lack of work. Its taken everything I got to feed my kids and keep the lights on. I 'm only 15days late on my mortgage with 21st mortgage corporation. I tried calling and talking to my financial counselor XXXX XXXX to see if he could give me until XXXX/XXXX/2015 to make payment in full. I began to tell him my situation he replied " so your going to risk the roof over your children 's head by not making this payment today in full. '' I was spoken to very rudely then hung up on. I tried to call directly back XXXX times never got him back on the phone I had to speak to someone else which only told me to sell whatever I could to make this payment or did I know a few people to borrow money from. because they will give me no other option other than pay it in full or its out of there hands after today. I offered to pay {$250.00} today and the rest on the XXXX but they refused to accept it. and told me if I did n't pay it in full by XXXX eastern time today that they would move forward with foreclosure process.
I disputed several accounts with Commonweath Financial Systems and they agreed through XXXX to delete several disputed accounts from my XXXX Account. They were listed as NEW as of XX/XX/XXXX after their agreement to delete them in XX/XX/XXXX. Also showing up with XXXX by Commonwealth. These accounts were paid by insurance and never removed by the original debtor. I 've reported this agency to you before.
I am nationstar mortgage I am making my payments on time every month I try to pay something extra on principal I looked at my payment history I saw that $ was n't there I called them they said the $ is in suspense account that I have no history on account or in payment history no discloser at all no contact at all if I did n't check my history and that happened if I did n't I will lose all my hard earn $ behind it this is not fair. Unfair of this company to treat me this way and I do n't know how many more
All three major credit bureaus have illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false misleading ways.
According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the CFPB to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security number, date of birth, financial accounts or credit/debit card numbers, driver license number, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer.
A bankruptcy account number  XXXX  is reporting on my credit report. I went to the courthouse they have no record of my social security in their system. They also told me that information is not public record and they do n't report to the credit bureau. They said its an error with the credit bureau.
XXXX XXXX XXXX closed my newly opened credit card in error. My Transunion scored dropped over 100 points. I submitted a dispute to Transunion. Transunion decided that even though XXXX XXXX XXXX  opened the account that was closed in error, they would still not remove the erroneous reported item nor did my score increase. Also, the same exact information is being reported on XXXX and Transunion, but Transunion has my score over 100 points lower than XXXX. I had perfect payment history before filing bankruptcy XXXX 2016 and Transunion has information to support excellent payment history. Please see that Transunion removes the information from XXXX XXXX XXXX and increase my score once information has been successfully removed.
On XX/XX/XXXX, Equifax divulged to the general public that they had been the target of a successful hack. 143 million customer records, including SSNs and drivers license numbers. I have already confirmed that I am one of the consumers affected.
This is a reopen for case # XXXX. 

My initial complaint said : YOUR COMPLAINT XXXX XXXX hired XXXX XXXX XXXX, to collection on a debt that I allegedly owe for {$1100.00}. At this time the XXXX, XXXX and I have been unable to come up with an agreement on the account. Respectfully, XXXX XXXX, XXXX has hired Asset Recovery Solutions LLC to collect the amount allegedly owed. 1- On XXXX/XXXX/XXXX, I have offered to settle this account with Asset Recovery Solutions for $ XXXX Asset Recover XXXX declined to accept my offer 2- XXXX/XXXX/XXXX, I spoke with Asset Recovery Solutions and s/w XXXX @ ext XXXX 3- Today, Asset Recovery Solution has done the ultimate collection practices with borderlines extortion,  harassment and intimidation 4- Asset Recovery Solution, advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 5- I advised Asset Recovery Solution that I would settle the account for {$500.00} and that the only way I feel comfortable with any transactions is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 6- the Manager of Asset recovery then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}. I wish for Asset Recovery to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of XXXX to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX. 

Asset Recovery Solutions failed to answer the complaint but responded as : Company responded on XXXX/XXXX/XXXX Response Type Closed with explanation Company 's Response Dear XXXX XXXX : I am in receipt of your correspondence to Asset Recovery Solutions , LLC concerning the XXXX XXXX XXXX account that was placed with us for collection. We are more than willing to work with you to resolve this matter. We have been given approval to settle this account for {$630.00}, payable in a lump sum or with a structured repayment plan. If you agree to the terms, we can certainly provide you an agreement and you can mail in your payment ( s ) using your personal bill payment from your financial institution. If you have any additional questions or concerns you can certainly reach out to us directly and we can assist you. You can reach me directly at XXXX EXT XXXX. Thank you for the opportunity to respond.
An inquiry on XX/XX/2018, a Miscellaneous Utilities of XXXX XXXX. placed a hard inquiry on my report and knew that they do not service my area. XXXX XXXX stated that they could service my home but once they got here it was null.
XXXX XXXX has taken old debt that was discharged in bankruptcy and added onto my credit. I spoke to different representatives and they stated the this account was purchased in 2016. However, any accounts with HSBC were filed under bankruptcy. Also, XXXX XXXX purchased accounts from HSBC and while account was on my Account Name Original Creditor Open Date Balance Debt Contact Information XXXX  XXXX XXXX XXXX HSBC BANK NEVADA XXXX. 
XX/XX/2016 {$550.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX credit as XXXX XXXX, XXXX   XXXX as reinstated the debt to read HSBC.
XXXX is were I pay my mortgage they keeps putting on the XXXX credit company, s that I pay late on XXXX and XXXX XXXX keep sending to Experian letters on the mistake and also XXXX and never gets fix. I have proof that was paid on time. Also XXXX is putting on credit reports hat I owe more than what the balance is. Been send letters about this problem also.nothing is getting done to fix this problem. Hope you can help me.
I am filing this complaint against Trans Union, because Trans Union has ignored my repeated request, to provide me with the documents that their company has on file, that was used to verify the accounts I disputed. Being that Trans Union has gone past the XXXX day mark and can not verify these items, 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 assist me in making Trans Union obey the law and delete this unverified information from my credit report
When we bought our home, we had XXXX, then XXXX  XXXX XXXX, now Ditech We paid our mortgage for many years. When XXXX XXXX became ill we fell behind on our mortgage. Then we were offered a Loan modification and we thought that was really wonderful, but we paid ( 16 ) loan modification trial payments and each time we paid the required trial payments, we had to start over for some reason, such as the offer that was given us had expired and we had to be put into another loan modification offer. We don't know where the payments went or where they were applied. We constantly paid the trials and waited and waited never receiving the final loan modification documents. 

Ditech has not been considerate of any of the situation, they have not been easy to deal with. We have been submitting documents and as soon as we sens what they are asking for there is another request with a very limited time to send it in and when you do get the requests in there are more request waiting for you. We have Social Security Benefits and XXXX XXXX has a job ( salary ) and their son contributes and he has a salary. 
We have sent all of this to them more than once. We certainly would like to know what happened to all of the monies we paid in trial payment to XXXX  XXXX XXXX before they sent us to Ditech who fail to research of help us.
I had no job due to being laid off, I tried to work out a payment arrangement and was told I still had to pay regular amount. My income tax was taken and incorrect information was put on my credit report.
In response to CFPB:XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX , FL XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is a late payment, as reported by XXXX. 

This delinquent account record is inaccurate because in XX/XX/XXXX and XX/XX/XXXX fraudulent charges where made which followed to XX/XX/XXXX. They have charged me for that with interest. Whatever payments I was making was for fraudulent charges, on XX/XX/XXXX there were a lot of charges made on that month you charged me for. the money they said i owed for XX/XX/XXXX, I did not owe. They owe me money when those payments would be unsure of because of interest charges on the unclear amount.i did not owe XX/XX/XXXX because they didnt know what I owed for XX/XX/XXXX. I had fraudulent charges in which they agreed to in their investigation. they are focusing on the wrong stuff. Furthermore, I need a proper reinvestigation into this matter, because what they are replying to has nothing to do with my dispute.. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.

I have included copies of them agreeing to credit my account back for charges made in XX/XX/XXXX month ( in which theyve recorded i did not pay for charges that were not made by myself.

Please investigate this matter and correct the disputed item as soon as possible.

Sincerely, XXXX XXXX
I have tried numerous times to contact Southwest Recovery XXXX in regards to a debt on my credit report. I have no idea who this company is. They have refused to contact me back, answer any phone calls and to this day I still do not know who they are. Requesting assistance to have removed from credit report.
While reviewing my EXPERIAN credit report, I noticed a collection account listed as XXXX XXXX, ACCT # XXXX. I have no knowledge of this company or this account. I DO NOT or have NEVER had a contract with XXXX XXXX. I am not liable for this collection. I am requesting that this debt be verified and validated as a legitimate date. I would like physical proof of this, including a signed contract containing my signature, or It needs to be deleted from my credit report.
i have challenged the account with equifax numerous times with the address they provide as they have stated that they have verified the account belongs to me and ask me to contact creditor with address provided by equifax. I did send a letter to collection resouces with no response due to the mail being returned to me. so send the evidence of returned mail to equifax with the address they provided as they claim equifax has verified it, but i am confused how they verified as i can not with the address they have provided. I know that this is wrong information being reported on my credit report and equifax has provided a false address, i have demanded the item to be removed immediatly but they continue to verify
In 2011 we refinanced our home with TD Bank. They paid off the old mortgage company loans we had with XXXX and I have proof of satisfaction from XXXX. Recently we started a VA loan refinance but a few day before closing the new mortgage company informed us that TD Bank never filed the deed with the city of DC so they can not close until TD Bank fixes the original loan and files it with the city. When I call TD Bank I can not get any answers as to why the TD Bank refinance did not close with a Deed filed. We are now past our lock date with the new company and we had a really good interest rate VA load approved. I can not seem to get to anyone high enough at TD Bank to fix the problem so we can continue our current plans and the longer it take the more money it 's costing us due to TD Bank 's original error in 2011.
Clearview Resolution Services XXXX lied to my daughter, by saying she would be required to attend financial education classes at {$50.00} per class for several weeks if she did not pay {$500.00} XXXX. This was a XXXX loan, and my daughter was now XXXX. My wife used a credit card to make payment for my daughter. They provided no information by mail or email that there was any class requirements or judgements.
None of the options related to my situation but it is an illegal communication tactic that I wish to report. 
I am reporting an abusive, deceptive, and unfair debt collection tactic practiced by XXXX XXXX. According to what I have read and understand under The Fair Debt Collection Practices Act Debt Collectors can not contact you through your work email. On XX/XX/2018 this is what I received in my Real Estate work email. See below. I feel this to be deceptive and harassment.

From : XXXX XXXX XXXX Email : XXXX Home Phone : XXXX-XXXX-XXXX BuyerSeller Just Looking Doesn't want mortgage pre-approval Not working with an agent About This Contact Interested In : All Types 0 bd, 0 baths Contact Profile : BuyerSeller Just Looking Doesn't need mortgage pre-approval Not working with an agent