WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX/NELNET Opened Date XX/XX/2009 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX/NELNET was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I XXXX. I have been working on this short sale with Select Portfolio Servicing since XXXX 2016. They keep telling me that a form ( XXXX ) needs to be completed. I sent them the completed XXXX form several times. Today XXXX/XXXX/16 they are saying that the form is old. I have a buyer that is living in a hotel since the XXXX this month that is threatening to cancel. The seller is XXXX military that just wants to sell.
In my credit report there are XXXX accounts of american express these accounts do n't belong to me
An escrow company submitted XXXX payoff checks to Navient on my behalf. The checks were overnight shipped to the proper address, an employee at that address signed to accept the delivery, and I received confirmation that the package was delivered. The checks cleared the bank on Jume XXXX, but Navient has not applied the amounts to my account. They say that they did not cash the checks, that XXXX XXXX cashed the checks, and that I need to resubmit checks to the proper address and deal with XXXX XXXX to get a refund. I confirmed the address with Navient, sent them the deliver confirmation, sent them copies of the cancelled checks, proving that the checks were addressed at made out to the proper entity. Still, the refuse to resolve the issue and credit my account.
I had an outstanding account with XXXX. Zenco Collections is the company that is harassing me. Threatening me, suing tactics ect. I have already settled the on the account. I made three installments. I, {$200.00}, 2, {$400.00}. Still have n't received my letter of release.
On XXXX XXXX I filed a direct dispute through XXXX XXXX with Transunion about a debt on my credit report. The debt was with XXXX XXXX XXXX XXXX collection agency. The original creditor was XXXX. I never received notification that this item was going on my credit report., which by my understanding is required under the Fair credit act. In addition, I have requested a bill from the original creditor itemizing the charges. Since when I terminated service in XXXX of XXXX I had a XXXX balance. XXXX reported this to the credit reporting agencies in XXXX of XXXX. I requested the bill from XXXX previously on XXXX XXXX, XXXX. Trans union completed their investigation on XXXX XXXX. I have requested the source of verification from Trans Union but was told that they can not provide me with that information. I asked them to reinvestigate the negative on XXXX XXXX. I am requesting that XXXX and/or Transunion remove this from my credit report if it can not be verified with a bill.
I was told I had a payment extension for my vehicle loan, lender claims a 30 day late payment.I explained my situation to a representative and they did acknowledge there was a mistake made on there end, but that it is still technically a 30 day late.I requested a extension 2 days before the 30 day mark ( XX/XX/XXXX ) and was told my request was accepted.they gave me a confirmation number and was told to pay {$370.00} by XX/XX/XXXX and an additional {$170.00} by XX/XX/XXXX and then back to full payment XX/XX/XXXX.I paid the {$370.00} on the XX/XX/XXXX so I thought all was good.Then Monday came and received a report of a 30 Day late on my credit report.I then called ally financial and explained them my situation and was told that the 30 day late would stick because technically it was 30 days late.I would have just payed It in full prior to my 30 day mark if the representative would not have told me that my request was accepted.
Debt was incorrectly billed. VA rejected payment based on " fee basis '' when it should have been billed as a diversion from their over-capacity facility.
I have XXXX minor dependents and I have desperately attempted to complete a HAFA short sale with Wells Fargo. My loan was originated by XXXX XXXX. It was a Pick-a-Pay interest only loan. The payments escalated higher than the market rate. I lost my job and experienced a series of hardships. I was denied a loan modification and have requested a HAFA short sale so that I can relocate with my children. I have been forced into bankruptcy because the legal track has not halted or slowed down while waiting for an answer. I was told the Texas office had to handle this matter because of XXXX and this could not be uploaded in the XXXX system. I have yet to receive the approval needed and the new school year is beginning. I have a viable cash buyer and I have performed every pre-requisite needed to fulfill the criteria of a HAFA short sale. This has been my only homestead for the last XXXX years and I would like to resolve this matter.
I am a subscriber to all XXXX agencies, and Equifax has continually and repeatedly investigated and returned results that are proven to be inaccurate. I have disputed credit inquiries to Equifax resulting from an auto dealership submitting my information to XXXX banks without my authorization or approval. Each time, Equifax allows me to either enter that the inquires are " unauthorized '' or " fraudulent ''. Within a day or so, they come back and tell me that they 've verified the information is correct. I 've also tried to contact them directly, with Managers & Supervisors in the dispute department telling me to contact each of the creditors direction and ask them to remove the item. I 've done that, but it 's almost impossible to get any of these creditors to even acknowledge they had a form submitted in my name, much less - they wo n't admit to any wrong doing, since the request came from a car dealership and they think it 's legitimate. I 've contacted the dealership that sent out my credit file by mistake and they 've provided a letter back to me asking & authorizing for the removal of all entries associated with their dealership on XXXX/XXXX/2014. I 've provided that letter to Equifax and they still refuse to remove the fraudulent and unauthorized inquiries. I 'm out of options and I can not think of anything else I can do other than seek legal action against Equifax until this is resolved. In addition, this company has me doing work and effort to correct mistakes that have been already admitted to by the dealership that did the damage. This is effecting my credit score and I need help getting this corrected as quickly as possible.
This company has contacted me twice. As you can see they've used my name, social security number, and signed my name without my permission. They've sent two letters to me without any indication of what I owe them, from what company or any other data. This is a scam of a company. See below and attached to view the information and letter I sent to them.
Public Record needs to be removed from all three credit bureau 's based on unverified information. Account is suppressed and frozen with XXXX. Court does not verify with the credit bureau. Please remove bankruptcy from Equifax, XXXX and XXXX.
I need some help, I have requested several times validation and proof of payments, copy of signed contract etc. I do not feel I owe this company anything and need to see the full history of payments, signed initial contract etc.
My brother and i have massive issue with our e-wallet provider Coinbase. Since XXXX weeks i try to contact the XXXX support team, but it 's unsuccessful. I try the support requests, i try to contact them in social media, i try to call them. Nothing, i never got any answers. Meanwhile we searching for XXXX that we had deposit via bank transfer. 

I do n't know what we should do now. Please, con you help me. 

Thank you
Over the past year, the collection company Rash Curtis & Associates, XXXX XXXX XXXX, XXXX, CA XXXX has called our family multiple times each week on our cell numbers, looking for someone else. On Friday XX/XX/2018 at XXXX XXXX, they spoke to my spouse who explained that there is no one by that name at our address or at our cell or home numbers. We then asked them to cease calling us. After handing up the phone, their representative immediately dialed my cell number and I repeated our demand to stop harassing us and informed the collector their company was in violation of federal and state laws.
I have a mortgage with Citi-mortgage and have not been XXXX days late with them. They keep calling about the mortgage payment for XXXX even though it is XXXX XXXX ( within the XXXX day grace period ). The worst part of the matter is, they keep calling my relatives from another state which never gave them that information. Citi-mortgage took it upon themselves to skip trace those numbers even though they have my contact information ( it hasnt changed in the XXXX years I have had the mortgage.
An ex-spouse of mine forged my name on a Private Consolidation Loan Credit Application agreement with NELNET ( now XXXX XXXX ). I did not authorized the signing of my name on this or any other document. Which although electronically done makes it forgery. It was explained to me that married couples are seen as one except in the case of forgery. 

I've been trying to explain this to NELNET / XXXX XXXX for years. However, they will not listen or do anything about it. 

Furthermore, a check from XXXX  in the amount of {$12000.00} I never received was cashed by drivers license XXXX. My GA drivers license number is XXXX. I never authorized or knew about it until it was too late. 

As For XXXX, I called them to file a complaint of forgery regarding my name but had no account information regarding these loans there, they were unable to find any information regarding the account ( s ). I never authorized my ex-spouse to borrow money using my name or to sign my name only anything from this company either. 

In reference to me attend school, I was using the GA Hope Scholarship to attend school the time all of this was going on. Therefore, I didn't realize this was happening until it was too late. Now I've got a horrible company like XXXX XXXX to deal with. 

Also, the company NELNET ( XXXX XXXX ) also practiced predatory lending in that they also combined my income with my ex-spouses in to qualify my social for the loan but gave her no responsibility for the loan, leaving it all in my name.

For this reason, and being unfair in a crucial situation, I would not recommend that anyone ever get involved with XXXX XXXX.

In closing, I pay well over {$900.00} of child support each {$840.00} + {$100.00} ordered to pay back in arrearages. I can not afford to pay back school money that I never and was not used for my benefit.
Freedom Mortgage incorrectly reported a 30-day late payment to the credit bureaus for XX/XX/XXXX payment for my primary residence FHA Loan # XXXX on my home at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I have contacted them SEVERAL times to have this corrected and to date the error has still not been fixed. As a result of this error, my credit score dropped 100 points and has caused me to be denied for my auto loan refinance due to this issue. I contacted Freedom Mortgage beginning on XX/XX/XXXX regarding this issue and numerous other times since then for over 30 days now. 

I finally received a letter from Freedom Mortgage dated XX/XX/XXXX stating they would retract this incorrect derogatory information with the credit bureaus. A copy of this letter is attached for reference. I had hoped this would take care of the issue, but it has not. 

I phoned Freedom Mortgage again on XX/XX/XXXX and was told by employee ID # XXXX ( " XXXX '' ) that they had submitted the information for the correction electronically on XX/XX/XXXX. I asked for proof of that electronic submission to be sent to me via email. I was told I would receive the information in 24-48 hours. I never received anything. 

On XX/XX/XXXX, I opened a formal dispute with XXXX to have this item corrected. The other two bureaus ( XXXX  and XXXX  ) do not show this incorrectly.

On XX/XX/XXXX, I called XXXX  ( who is the bureau reporting this incorrectly ) who claims this information was never submitted electronically or received by Freedom Mortgage on XX/XX/XXXX a
s claimed to have this correction/removal of derogatory information retracted as of this date. I spoke with XXXX and his supervisor, XXXX ( Employee ID # XXXX ). I was further told they would take 30, 60 or 90 days to fix it. 

That is unacceptable, as I am now incurring financial damages due to being denied an auto refinance loan because of this matter that has significantly affected my credit score. This is a clear violation of the FCRA law. 

This seems to be a blame game between XXXX and Freedom Mortgage and I am the victim caught in the middle incurring financial damages on a daily basis. Neither company is in any hurry to correct this major error. They are violating the law and need to be fined accordingly and made to correct this error immediately - not within the next 3 months when they get to it.
Experian continues to report i formation they can not validate. XXXX and XXXX have already removed the XXXX erroneous accounts from their credit reporting. Experian will not provide me with any documentaion or proof to substantiate these debts. They have now stopped taking my disputes and continue to report this negative information. I am seeking out every way possible to rectify this.
My father took out a parent loan while I was in college. He used the money for himself. I took out my own federal student loans and am in repayment. He has defaulted on the loan he took out and Navient has started contacting me to pay. I've told them I never took out a loan as a joint lender or agreed to the loan. On multiple occasions they encouraged my father to go into forbearance multiple times instead of working on a payment plan causing the amount owed to increase. There actions seem predatory. I would like my name removed from the loan as I didn't consent to it and didn't benefit from it.
Equifax has my payment history wrong! This is making an impact on my score. They list me as paying 92 % of the time. The reason they say is because I have XXXX closed accounts for various reason, ( I.E. lost card, closed account ) all the accounts listed have XXXX balance but there is no payment history on the closed accounts, so Equifax has them listed as MISSED payments when in fact they are not. They give me a " VERY POOR '' payment history, this can prevent me from obtaining credit or force my interest rates higher. Their information is not the same as the other XXXX agencies that have it correct, NO MISSED PAYMENT 'S. My payment history is 100 % not 92 % as Equifax is telling prospective creditors!. They are perpetrating a lie and actually it is a slander to me personally. IF an agency can not verify a so called " fact '' it has to come off my report, not listed as a missed payments! I did not dispute with them because the credit agencies would rather help the creditors because they pay to report. They ( agencies ) do not make money from the consumer, hence the charges for a personal score or credit monitoring by the individual consumer.
Navient has  started to call me upwards of 5 times per day in the last week. They refuse to leave voicemail 's and reference what they would like to speak about, they call only during hours when I am at work, and they continue to call to the point of harassment, not allowing me sufficient time to return the phone calls.
I log into my credit reports to dispute incorrect information and site told me to call company. 
when I call in to company to correct with live agent I was transferred numerous times or told me to call another number different from the one on their web site.

go on till lose connection playing a stupid game on consumer
Since XX/XX/XXXX I have been filing annually to FedLoan Servicing to recertify my loans for an income-driven repayment ( IDR ) plan. I was surprised this year when I received an email confirmation following submission of my annual certification that said the recertification was on hold until my current annual period expired. I received this email on XX/XX/XXXX, after having submit my recertification request approximately one week earlier. The email reads ( Subject line : " Your IDR request is on hold '' ) : " We will process your Income-Driven Repayment ( IDR ) recertification request once the final bill of your current schedule is generated on XX/XX/XXXX. Once we have processed your request, we will send a follow up email detailing your monthly payment amount or if we were unable to process your request. '' I intentionally submit my recertification 6-8 weeks in advance, because if there is any lapse in IDR the interest on my loans capitalizes. It appears that FedLoan Servicing has created a loophole that will result in a significant increase in people experiencing a capitalization of their interest due to a lapse in their IDR status. If there is any issue with your recertification paperwork and FedLoan Servicing needs to request additional documentation or clarify something, which oftentimes is the case, then this will automatically result in a lapse in IDR status. This is precisely why I build in this buffer time. If an individual with a loan is not aware of this detail ( that loan interest capitalizes upon a lapse in IDR status ), they will likely not respond to FedLoan Servicing to request that their recertification be processed ASAP, rather than waiting until their current IDR period is over. I immediately contact FedLoan Servicing to demand they process my recertification promptly, in order to avoid capitalization of my interest. I 'm so grateful for watchdogs such as the CFPB and wanted to alert you immediately to this very troubling issue.
In XXXX of XXXX. I purchase a XXXX XXXX XXXX from a local Georgia dealer. Chrysler Capital financed the purchase. My business finances took a sharp nose dive which in turn affected how and when I could pay my bills. XXXX XXXX, the vehicle was repoed with Chrysler Capital selling the vehicle for approximately 19,000 give or take which left a balance of XXXX. Fast forward to XXXX when an inside collection agency within Chrysler Capital sent me a collection notice for XXXX. I contacted and use an attorney to deal with the matter. Attorney sued and won a judgment against XXXX XXXX. Chrysler Capital and their collection agency should have stopped their collection attempts. Instead Chrysler Capital has added this fictitious balance to my credit reports as of two weeks ago. They are in totally violate the FCC rules and regulations. Thank you.
I keep getting harassing phone calls at work and on my cell. They state that a loan was deposited into an account my account in XXXX. The account has been closed since XXXX. Threaten to garnish my wages or have me arrested. They have failed to prove the account has been delinquent or provided any paperwork stating is has been delinquent. 

Company Name : Citi Management Group Telephone Number they keep calling me from XXXX or XXXX
EQUIFAX CONTINUES TO REPORT AN ACCOUNT THAT HAS BEEN CLOSED AND PAID IN FULL OVER A YEAR AGO! I HAVE NOTED THEM OF THIS ERROR FOR NUMEROUS MONTHS AND THEY HAVE REFUSED TO CORRECT AND UPDATE THE INFORMATION TO REFLECT ACCURATE INFORMATION. THEY ARE THE ONLY CREDIT AGENCY REPORTING THIS INCORRECTLY AND THE ONLY ONE NOT UPDATEING IT TO REFLECT CORRECT INFORMATION. XXXX XXXX ACCOUNT HAS BEEN PAID IN FULL AND CLOSED. I HAVE ONLY ONE MORTGAGE AND THAT IS WITH XXXX AND THAT IS THE ONLY ONE THAT SHOULD REFLECT OPEN THEY CONTINUE TO REFLECT BOTH OF THESE OPEN AND THAT IS FALSE AND WRONG INFORMATION.
I have filed a dispute over and over with XXXX XXXX there was 2 account open fraudenlty in my name one have since been removed but I have one they keep claiming belongs to and the infomation they are using is a phone number that activated the card that do not belong to me I advise it to them that its not my my phone number the name and number its with XXXX XXXX XXXX under XXXX XXXX and im beimg advise it under XXXX with my name which XXXX have no record I faxed proof and they claim its not vaild this is hindering me and I need removed right away
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 DAY LATE - XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I received a call on Sunday afternoon via a recorded message for my ex husband ( of 5 years ) providing the number XXXX to call if I am not this person. He is happily remarried so I called to inform them that I 'm not him and was able to identify they are Southwest Credit Services yet was told that they are not open - their normal business hours are M-F, and Sat. and I would have to call back then. Wait a minute! ~ They just called, woke me up from the only time I get to nap - gave me a number to call that required me to quickly find paper and pen to write with only to not be able to reach anyone? That is not fair and not good business practice. The recording says they are attempting to collect a debt gives an option to 1 ) make an automated payment, 2 ) gets normal business hours or 3 ) leaves a message for one of the representatives to return the call - but their internal system does n't work - the call does n't ever transfer to a representative like they say it will ... then after about a minute and 12 rings, the end user gets a fast busy and the system hangs up. I DO N'T WANT ANOTHER CALL FROM THIS COMPANY! 
So I decided to google Southwest Credit Systems to attempt to reach them and find out they provide a XXXX and XXXX XXXX. XXXX # XXXX XXXX TX XXXX. I call the XXXX # and although they flip the prompts - select XXXX for a representative, the internal system does the same thing that the XXXX # does ... which is ring for an extended period of time without transferring ... I 'm not sure what needs to be done - but I was supposed to hit a key ( I ca n't remember what the prompting was during the original call from this company but if it was a XXXX or XXXX if I WAS XXXX XXXX ) - but because I did n't and followed their rules, I now run the risk of getting called back.
In XXXX of XXXX I opened a credit card account with XXXX. The literature that was mailed to me stated that the initial credit limit of {$700.00} would be doubled after seven months if the account remained in good standing. That is, no late payments were made on my part. I called XXXX  in XXXX to ask when my limit would be doubled. The representative informed me that since all payments had been made on-time, the credit limit was set to be doubled in XXXX. After I made a on-time payment for XX/XX/XXXX, I noticed that the account limit was still {$700.00}. I called customer service and was informed that my account limit would not increased due to the fact that it had briefly been over the credit limit. I responded that this was not part of the original contract and reminded the representative of my earlier conversation with a XXXX agent. She then informed me that since my initial credit limit was under {$1000.00}, my limit would double after ten months, in XXXX of this year. She completely omitted the over-the-limit issue. Again I reminded her that I had spoken to an agent who indicated that the limit would be doubled in XXXX. The representative was very rude and constantly interrupted me. I informed her that I would report this matter to the CFPB, the FTC, and my state 's Attorney General 's Office.
The company XXXX XXXX XXXX XXXX  reported this payment as late. This is incorrect I have never been late on any of my accounts this you can verify .... 
This company has gone out of business and is not being ethical with its customers. 
This has damaged my credit ... and I want it off my record.