WillisBack/dataset-financial-user-claim huggingface dataset:
Despite my several attempts to have Equifax update and correct my credit report, there are several accounts that remain incorrect such as : XXXX # XXXX XXXX XXXX BANK XXXX XXXX XXXX has been paid in full and remains paid off yet is reported as owing a balance of {$360.00}. 
All XXXX XXXX accounts are incorrect. 

The following inquiries were made unknown to me and without my consent : XXXX Show Details XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX Show Details XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Credit Cards FCTUALDATA Show Details XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX Show Details
My name is XXXX XXXX and my mother XXXX XXXX has passed but left me her house and it is now in my name but the loan she had was still in her name I have paid into that loan up to XXXX then out of blue there was a XXXX dollar balance that was owed like a balloon payment so I seemed legal advice which they said XXXX has passed so therefore I was not responsible well that info apparently was incorrect so I have been trying to reach Faye servicing for weeks they say fax over papers so they could identify me then they want me to send again they giving me the run around and my balance total pay off was XXXX now from the attorney fees from looking over paperwork I submitted 2 times that was almost 3000 and all there interest when I have trying to pay off the remaining Ballance my home has XXXX equity so there just not giving me a chance nobody calls back I call at least once a day voicemail no return call
On XX/XX/18 my XXXX card was reported as lost. XXXX closed the card ( card number was the account number ), my credit score dropped 102 points behind this. Although XXXX  has sent in an early credit history to Equifax, my credit score only went back up by 20 points. I was in the process of buying a home and this affects me tremendously
Navient, The WORST lending company I have ever dealt with. I am still in school and every single semester they " ca n't find me '' in the clearing house for people attending college. Therefore I get constant and non stop harassing phone calls! 12 a day to be specific. I then have to call and go through a series of people to explain that my loan should be deferred because I am still attending school full time. EACH semester they require me to upload a new deferment form from my school. Because of this I have also been wrongfully charged of late fees and " late '' payment notices that are affecting my credit score. They also go after my Co-signers with harassing phone calls even when I am in the process of communicating with them that they are in the wrong ... I wish I had never signed a loan with this company, biggest mistake.
I had Two morgage back started in XX/XX/XXXX, in year XX/XX/XXXX we had issue in employment lost and burgary in house as a result we filed the application with XXXX XXXX XXXX and received approval for six month payment hold however XXXX XXXX XXXX reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by XXXX  XXXX XXXX and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, XXXX  XXXX XXXX paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.
This complaint is similar to the one I filed on XXXX XXXX regarding XXXX. I have since been advised that I should have simultaneously submitted the same against Experian and XXXX. I have submitted my complaints to them by combination of telephone, mail and fax but have received no response of receipt. 
The Experian Report No. is XXXX My Complaint : My credit reports list XXXX with " {$20000.00} past due as of XXXX XXXX XXXX ". This is termed a " serious delinquency '' and implies the loan is open and with payments overdue. It is seriously hurting my credit rating and ability to refinance. ln fact, I have no obligation to XXXX since XXXX lnXXXX, XXXX accepted documentation of that and granted me a jumbo ARM loan. Now l would like to refinance with a Fixed Rate loan but the credit reports by Experian, XXXX, and XXXX are blocking this effort. The fact are as follows : In XXXX, I co-signed the XXXX loan for my sister, XXXX XXXX in XXXX XXXX XXXX, Minnesota. ln the recession, her pay was reduced. XXXX staff advised that we could restructure the loan slightly so she could make payments. I helped her with several payments as we waited for XXXX to work with us. Rather suddenly, XXXX announced that it was foreclosing. Our case was not isolated. XXXX was found to have wrongly written and made loans, wrongly managed them, and wrongly reported on them by several States Attorney Generals, and in a US District Court. My sister received compensation from XXXX following the state and federal litigation. The total compensation was the equivalent of a few loan payments and trivial compared to losing home by my sister and harm to credit for both of us. She seeks no further compensation and her credit has been largely restored in the past two years. 
However, my credit rating is seriously harmed and I can not qualify for the Fixed Rate Loan I would like to replace my ARM. My preferred potential lender states that even though all of my bills are regularly paid including past and present mortgages, they rely on the credit report ratings which will continue to be hurt by this erroneous report, apparently by XXXX as another example of its sloppy reporting finding of the Federal Court. I need my credit reports clear of this approximately 6 year old charge of a serious delinquency on an outstanding loan. Please help. Thank you
I received American Education Services private loan information from my credit union back in XX/XX/XXXX. This entire time I believed American Education Services was my loan originator. I sent them a letter in XX/XX/XXXX to settle the current debt owed which is {$24000.00}. I have two separate loans that are on one account and I make one payment of {$270.00} each month. My offer was to settle the balance with a one time payment of {$18000.00} and for it to be charged off the account and set as paid in full with no penalty. I called American Education Services later in the month to see if they'd received the letter and they said yes. I asked when would a decision be made. The representative did not have answer because it was sent to the loan originator. I was told that XXXX was the loan originator. I asked the representative what XXXX stood for and she could not tell me. She also mentioned that I am on a variable month to month interest rate. This month ( XX/XX/XXXX ) my rates are 7.61 % and 7.36 I XXXX XXXX   and found it is XXXX XXXX XXXX. I tried to locate contact information for the company and could not. I called American Education Services one week later to obtain XXXX 's contact information and was informed that I was not allowed to have the loan originators information. I am requesting assistance with settling my debt through this loan originator. I have been paying on this loan since XX/XX/XXXX. Thanks in advance for your advice and assistance.
My card, PIN, and ID was compromised. I 've told Amex this several times and they 're telling me they the charges are valid and I can not contest to it further. They also shut down my account that 's been opened with them for a while. These are the only fraudulent transactions I 've ever encountered on this card and they 're refusing to reimburse me, they also refused to give me documentation as to why my claim was denied. They wo n't even tell me why the transactions are valid over the phone. They did n't even file the dispute correctly, they owe me more than {$740.00}. That 's the total they 're claiming that I filed for. I can not get thru to them or do anything about this!!!
While in active bankruptcy in XX/XX/XXXX, Nationstar offered us a loan modification that was fraught with problems. We had been in a " predatory, '' adjustable rate mortgage. 

To start with, we didn't receive the offer until the day it was proposed to start, XX/XX/XXXX. 

There were many, repeated inconsistencies and instances of contradictory information involved with the offer, including whether the payments would be interest-only, or principal and interest. Over the next many months, I attempted to verify what the exact terms would be, including start date, payment amount and to where payments should be sent. 

These terms were not clearly defined until the court filings began to discharge the BK in XX/XX/XXXX. In the filing, Nationstar listed the terms as 2 % interest, principal & interest monthly payments of {$750.00} over 262 months, with remaining balance due thereafter. The filed exhibit is attached. 

The discharge was approved by the court in XX/XX/XXXX. 

Since then, Nationstar has filed a motion to reopen our BK case, in order to change the terms from what they have termed a clerical error. The terms listed with the court were delivered to us many times since the original loan mod proposal, both vocally and in writing. 

Nationstar is claiming an arrears we owe, and that amount has never been sufficiently explained to us. In addition to uncollected mortgage payments ( some were returned ),  they claim " legal fees '' and inspection fees, none of which have been clearly revealed. 

In addition, Nationstar is basing the arrears on the pre-loan mod adjustable rate mortgage, not the lower modified payment amounts. Since XX/XX/XXXX, the past due amount has doubled with little or no justification. 

A claim Nationstar has made is that since we defaulted on the XX/XX/XXXX modification by being one month delinquent, the loan mod is void. However, that agreement originally set to start XX/XX/XXXX, wasn't fully executed and delivered until XX/XX/XXXX, leaving us no chance to make a payment in time. 

Further, prior to the full execution of the loan mod, I was told on more than XXXXne occasion that the start date would be pushed a month or two or more ahead. 

We have filed an opposition to Nationstar reopening the BK case to change the terms of the XX/XX/XXXX modification. A trustee sale date of XX/XX/XXXX is on hold, pending a new loan mod application. However, any mod offers since XX/XX/XXXX have offered little to no savings at all.
On XXXX XXXX i received a flyer to my address from XXXX with the advertisement of XXXX $ bonus offer for opening a checking account after completing XXXX $ recurring direct deposits with in 60 days of the account opening. 
The flyer did not mention what qualifies as direct deposit anywhere, and US bank has failed to send me the proof that they did communicate to me the specifics of what qualifies as direct deposits when i called them about the bonus at the time of account opening. 

I opened my Us bank checking account around XXXX/XXXX/XXXX and I completed XXXX $ recurring direct deposits requirements on the following dates. On XXXX/XXXX/XXXX for the amount of XXXX XXXX and on XXXX/XXXX/XXXX for the amount of XXXX $ and on XXXX/XXXX/XXXX for the amount of XXXX $ and I emailed Us bank asking about about the bonus. 
Someone named XXXX from us bank customer service confirmed that the bonus code was attached to my account and asked me send a copy of the flyer, which i scanned and uploaded. After few days i again emailed her asking for the update, this time she said that she received the copy of the flyer targetted to my address but my account needs to be reviewed by a senior banker for the bonus. 

A week after my initial email they got back to me saying they can not give me bonus because i have not made 'qualifying direct deposits '. 

I did what XXXX advertised nothing less. If they did not specify on the flyer what qualifies for them as direct deposit then its indeed false advertising and fraud. 

I bank with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX they consider my direct deposits as qualifying therefore i was confident my direct deposits qualify here as well but Us bank not only 'omitted ' specifying what qualifies as direct deposit on their flyer, they also are refusing to furnish proof that they communicated this to me at the time of account opening. 
I feel therefore i am eligible for the bonus that was advertised on the flyer that was targetted to my address and I humbly request CFPB to act on my behalf in helping me obtain the Bonus from US BANK for completing the requirements as specified on the flyer that i i received from US BANK. I have attached with this complaint the following pdf documents.
1. Copy of the flyer front and back with the terms and details.
2. My us bank direct deposits transaction history showing my 3 direct deposits above XXXX {$3.00} my correspondence with XXXX from us  bank customer service department. 

Please do the needful Thank you XXXX XXXX XXXX
Basically I did n't qualify for the loan, I did n't have no credit history, I had a injury to my XXXX with 7 to 10 XXXX, I was under XXXX XXXX not to make any decisions or sign any documentation. I was young anxious to get vehicle and I already had a vehicle. I was able able to trade it in. Yet with no job or employment they used used old paycheck stub of my prior job was told to tell loan officer that I paid a down payment on the car date of the purchase but I didnt ... The whole loan was fraud I realize I got myself in over my head now my mom is struggling to help me pay for something she has nothing to do with it The amount of the full loan is XXXX with payments of XXXX a month for 72 months Date of purchase XX/XX/2016 XXXX XXXX XXXX XXXX is the lot I purchased and Global Lending is whow financed it
Synchrony Bank has reported to the credit bureaus erroneous missed payments and payment amounts prior to contacting me. In fact, they have ruined my credit by submitting late payments multiple time during each month, whereby I have received notification from XXXX  and XXXX XXXX, that a late or non payment has been reported. They have done this in access of over 6 months. Additionally, due to this false and erroneous information, they have caused my line of credit to decrease from other creditors where my payment history is flawless. SB also have tacked on a ridiculous, and I am sure unlawful, interest amount. When I purchased furniture from XXXX XXXX for my new home, I took out a line of credit which was only {$1000.00}. I paid cash at the same time. I have been paying on this line of credit since 2017 and the total balance they are now trying to collect from me is {$1800.00}. Also, they are sending threatening letters to me and saying they have tried to contact me. I have received NO calls from this creditor. Second, SB reported to the bureaus I was late and thereafter sent me notification 2 months the later- after they ruined my credit and they continue to do so each month. At this point, because they have violated FCRA rules I am NOT submitting any payments to them. Each month they report 2 late payments. For example, on my XXXX  report it shows, non payment for XX/XX/XXXX and then they reported it again on XX/XX/XXXX. SB did this for about 3 months before I was even aware they were reporting this false information. They have been reporting this information like I said earlier without my knowledge or communicating to me first.
My complaint is about the security breach from Equifax. Upon visiting their website to see if I was affected by their gross negligence, I read their terms of use. In their terms of use they require that I waive my right to be part of a class action lawsuit. Not only has their negligence created a 44 % chance that my personal information has been jeopardized, they seem to be bent on protecting themselves rather than protecting the 143 million Americans that their company has affected.
As reparation for the breach, Equifax has offered a year of free identity protection to all citizens of the US. After the year is up, the consumer will automatically be charged to continue the services. 

To add to this monumental act of negligence and the ensuing act of hostility to the consumer 's right to their own information and their knowledge of the safety of their information, there was a {$2.00} XXXX sale of corporate stock by high level executives shortly after the company learned of the data breach, but prior to the breach being publicly reported. This is trading on information not readily available to the public and therefore insider trading.
On XXXX XXXX, XXXX I went into to a local approved dealership from my pre-approved finance company and provided all the information for the dealer to send my final numbers over to the creditor. When I logged into my email I received notifications that my credit had been ran through several loan companies that they do business one and the finance company I provided was not. When I went in the next morning they proceeded to tell me they we looking for the best rate and no one mentioned I already was approved but I provided all the paper work the day before I left, claiming they were looking for the best rate in which I did n't authorize. Also while I was in the dealership I asked to run the numbers with my finance company and my rates were better than what they tried to offer me and they only ran my numbers by my preapproved the next day after I declined their companies services. Needless to say I have 4 unauthorized hard inquires on my report.
I received a XXXX Credit card in my name in the mail. I called the fraud dept and was told that since I was added as an authorized user to an account, my ex husband added me without my permission, I would be responsible for any unpaid balance and it would be reported on my credit. I was also told that I could not remove myself from the account even though I didn't sign up as an authorized user. He was my ex fiance and knows all that information so how can I be held responsible because he added me as an authorized user and doesn't want to pay his bill?

The Fraud department states the all you need to add someone as an authorized user is their SS number.
On XXXX XXXX, 2016 Equifax deleted XXXX off my report and it was recently added back on without notice.
Bank of America is incorrectly reporting derogatory information about a HELOC account that I had with them XX/XX/XXXX. Bank of America is reporting that I had a bankruptcy in XX/XX/XXXX which is NOT TRUE ; furthermore, this loan was never late or behind as proven by Bank of America 's own history of this loan provided to me ; therefore they have no right to report this as a derogatory item. They should be penalized for this because this incorrect reporting is hindering me from securing a loan. I am enclosing a copy of a letter that I sent BOA with detail explanation of the issue and supporting documentation.
XXXX XXXX XXXX XXXX. c/o Resurgent Capital Services is reporting an old debt from XXXX XXXX XXXX  XXXX in the amount of {$590.00} to the three Collection Bureaus. This company is not a licensed collection agency in Nevada and I have learned that they have no right to attempt collection on this debt. I have re-established credit with XXXX XXXX XXXX and currently hold 2 accounts with them. I would like to request that this debt be disputed and removed from all three of the Credit Bureaus as soon as possible. As of XXXX/XXXX/XXXX, the debt is still showing on my credit reports and is bringing my credit scores down. Thank you for your time!
We are re corresponding over a problem resolved by CFPB and the Civil Rights Division with the Department of Justice with XXXX XXXX XXXX ( XXXX XXXX ). We wrote to the CFPB more than two and a half years ago. The CFPB staff failed to link the problem to your investigation and Case won against XXXX XXXX XXXX ( XXXX XXXX ). My family and I have been victims of improper credit reporting information which has prevented us from buying a home and has landed us in a motel along with the Case of Lease to Own Fraud the placed us here. Credit is very important when you need to buy a home to live in. I have my wife corresponded and called as I worked. It has been hard when two Accounts my XXXX XXXX   and my XXXX XXXX remained on my credit reports after numerous request to remove the two accounts based on my claims of unemployment back in XX/XX/XXXX thru XX/XX/XXXX, but XXXX XXXX  failed to pay the accounts off. I was told of " Account Protection '' should I become unemployed, death or ill. Sound familiar I was one the millions of consumers XXXX XXXX ( XXXX XXXX  ) was to settle with. Needless to say that did not happen. I am writing to seek removal of these accounts as XXXX XXXX is up to it's old tricks. The accounts have reappeared as XXXX XXXX and XXXX XXXX XXXX. We need to move I have written to your agency about this with no one there connecting the dots. Listen this agency does a awesome amount of good. We must connect the dots to stop XXXX XXXX XXXX ( XXXX XXXX ). My family and I only have our credit which has been ruined by XXXX XXXX  refusing to abide by a Court Ordered Settlement to do what is right. No one should suffer because this company choose to not abide by the Court Order Settlement. See what I have attached and contact this company and STOP this from happening to ANYONE else from suffering as we have. We know that XXXX  is a large company whom changes it's name when damaged is done to the consumer. I am sure I am not the only one. Whom is checking to see that XXXX XXXX  is following through on the Court Order?
I have se nt 3 letters to  Equifax regarding unvalidated information on my credit report. Th e 15 U.S. Code 1681g - Disclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. Equifax failed to provide me verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 day These negative events were not removed. Poof was not provided that these inquiries were in fact authorized with an instrument bea ring my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.
I have pulled my credit report and  Account Adjustment Bureau is reporting infor  mation  on all  XXXX  major bureaus and is not bonded in the  State  of Texas to collect a debt. I have contacted them in hopes to resolve the issue by removing the negative information from my credit file. They refused and I advised that they are not bonded to do business in Texas. The representative advised they did not need to be and ended the call.
Collection under a person with similar but different name was requested under my name. I have received the original invoice from the collection company ( Enhanced Recovery Company , LLC ) to confirm that this collection is forwarded to the wrong person. I have requested to dispute the collection company as well as XXXX on early XXXX 2015, however, no action is taken.