WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed an inaccurate amoun t ( {$2000.00} )  being reported  by Fair Collection and Outsourcing. I t came back as verified however, I nor the credit reporting bureau did not receive any type of documentation proving said account/amount is valid. I was told by  XXXX  at  XXXX  that all the company has to do is say the account is accurate and it gets reported. That 's just like saying  XXXX  owes me {$500.00} just because I said so.
This company continues to report inaccurate information to the credit reporting agencies. I have sent several letters requesting physical evidence confirming that I owe the company such debt, specifically any paperwork with my signature agreeing to pay such debt. Their response is either copies of some statement with my name on it ( which can easily be made with PDF editing software ) or simply a letter stating that I have to provide evidence to support that they are reporting false information to the credit bureaus. The burden of proof is on them but they refuse to provide the documentation I requested claiming that they received an electronic file when the debt was purchased. This needs to stop! This company has made a mess of my life having false, unverified information on my credit reports which is causing me severe problems in obtaining credit with a lower APR, higher insurance premiums, possibly loosing job opportunities by not being able to obtain a security clearance.
On XX/XX/2018, I reviewed all 3 credit reports and noticed that the late fees for XXXX XXXX  ( XXXX and XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX are still not reporting accurately. I've previously mailed letters, sent emails, and have made calls only to be advised that they are unable to update payment history and that I will need to contact the credit bureaus. The credit bureaus directs me back to the creditors. I am in the process of closing on my new home and the payment history/late fees are reflecting poorly.
Dear CFPB Customer Service, This is to respond to the Complaint # XXXX reference XXXX. I am exhausted, if you need more information on my behalf. I authorize CFPB to release our information including my wife, she authorize to act on her behalf in the POA to be able to get her score with major credit bereu so the XXXX XXXX can able to transfer her money to her Bank account here on Guam. I authorize the CFPB, XXXX, XXXX, Equifax and XXXX XXXX to speak directly to our Attorney XXXX XXXX. his phone- XXXX. I also authorize our Attorney not to extended the Fraud Alert on my record.
I sent equifax a letter about mis- reporting accounts on my credit report.Equifax did not provide me with information on how they verified these accounts. I have no record of the above accounts and I am demanding that they disclose all of the documents upon which they are relying on, for the reporting on account ( 1 ) above, collectively referred to as account. In accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records the requested records. The information they are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting.Equifax is in violation of the FCRA because they did not show proof of the alleged accounts.
I have disputed the late payments on XXXX XXXX XXXX   account. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I filed for chapter XXXX bankruptcy XX/XX/2011. I did go to school after filing. Notice of filing was provided to the Federal Loan employees when they called every week. They have continued to report late history on my credit report. A call was placed to them two weeks ago to address the issue with reporting negative payments. The rep stated they would correct as payments should have not been reported. When the reports were checked, it was noted that the accounts were reported as current under negative account information on XXXX, and showing 11 missed payments for the past two years on XXXX and XXXX reports. They should not be reporting negatively to any credit bureaus due to the active bankruptcy. The information should also be reported under the correct sections of the credit file. I am asking that the company report the information accurately on all the credit files as it has really added to the negative standard of my credit score
I have an unverified account from BRIDGECREST CREDIT. I had previously disputed this account. I have never done business with BRIDGECREST CREDIT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that BRIDGECREST CREDIT provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that BRIDGECREST CREDIT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I received a letter that says XXXX XXXX ran my credit profile for an auto loan on XX/XX/XXXX. I have not applied for an auto loan since XX/XX/XXXX.
XXXX rebate card handled by American Express. I was given an {$18.00} prepaid card. A few months later, it became {$12.00}. {$2.00} per month fee is charged for three months. The fee was written in the back of the card in a very small font.
SOFI LENDING CORP. and XXXX have been and are reporting inaccurate information on my credit report. SOFI LENDING CORP. and XXXX have been and are reporting hard inquiry without verifiable proof of my consents. SOFI LENDING CORP. and XXXX have been and are reporting the hard inquiry as inaccurate information without verifiable proof. As a result, there is no permissible purpose of putting the hard inquiry on my credit report. I sent certified mails to both XXXX and SOFI LENDING CORP. asking about the permissible purpose of the hard inquiry and verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from XXXX and SOFI LENDING CORP. of their inaccurate information and I didnt receive it from all of them. Since neither XXXX nor SOFI LENDING CORP. have verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiry should be deleted immediately. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Third certified mail tracking number sent to XX/XX/XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to SOFI LENDING CORP. on XXXX/XXXX/XXXX : XXXX. The following hard inquiry which should be deleted immediately is : Creditor Name : SOFI LENDING CORP Date : XXXX/XXXX/XXXX
I mailed payments by 2-day priority and it arrived in time. I was reported late because someone didn't apply my payment for several days after they received it and I was reported late. I am being reported late in XXXX because the post office made an error by putting the wrong letter in my 2-day priority payment. I tried to explain what happen, but I am being  reported late again. This is not my fault, but they won't listen.
An ATM debit card claim was made with TD Bank for items I returned to XXXX several weeks ago, its been at least 60 days since claim was filed, still unresolved. The total amount of the claim is XXXX, billed in XXXX installments of XXXX XXXX and a XXXX amount of XXXX. Their rep, XXXX XXXX, stated XXXX of the payments are scheduled to be credited back by the XXXX in the amounts of XXXX and XXXX. It is now the XXXX and no credits are showing, several messages have been left for XXXX, none were returned. I personally left XXXX messages on her voice mail as well as with XXXX different reps, still no call back. Unless XXXX has provided additional information, then there should be credits issued, the items were returned and tracking information provided as well showing delivered. XXXX disagrees with the items returned, saying they are not what was ordered and or not their product. The reason for return is because they are not what I ordered, XXXX and I are in disagreement over this.
I do not owe XXXX 's the amount of {$230.00} or any other amount.
On XX/XX/2018 my account was charged an unauthorized amount for {$890.00} from XXXX. This charge was was not authorized by me. I have reached out to XXXX to refund me but they have refused, so I called my Chase bank who I thought would help me but they did not get my funds back. I am so heartbroken and have low funds due to this. Someone please help me recover this so I can pay my rent I will be living on the street with my XXXX year old daughter someone please give me a solution.
I started monitoring my credit using XXXX in XX/XX/XXXX. Upon checking my credit report, all 3 major bureaus listed Hunter Warfield as collections. I have never had any accounts or dealing with this company. I did not sign any  contracts with this company. I requested that they validate the account in which they are attempting to collect the debt by certified mail on XX/XX/XXXX. This company states that I owe them {$4300.00} and they are demanding that I pay this amount. They are insisting that this is my debt. However, it is not. They refuse to remove this information from my credit report, as it is wrong. Each month this company reports to the three credit bureaus raising the alleged amount of debt. This is proven to be injurious to my credit standing. I applied to XXXX XXXX XXXX XXXX to refinance my vehicle but because of this debt reporting for the above amount stated they were unable to refinance my vehicle.
On XX/XX/2018 I submitted {$5000.00} as payoff on one of my daughter 's student loans. In the process of submitting the payment, their website locked up. I re-entered the information and submitted again. On the second submission, I received a confirmation number. The next morning I checked my bank statement and realized the money come out of my account twice. 

I contacted Sallie Mae immediately and they confirmed that they received the payment twice and I had a credit balance of {$5000.00}. They informed me that I needed to email them proof that the money had come out of my account twice and to explain what happened. I did so immediately. They informed me they would expedite the request since it was such a large amount. 

I waited a few days and still had not received my money back. I called Sallie Mae again for a second time and they informed me that it could be 7-10 business days before I got my money back which would have been Thursday, XX/XX/XXXX. I waited until Friday, XX/XX/XXXX and called them back for the third time. I went through the whole process again. She again, for the third time, confirmed they had my money and yes it was due to me ; however, 10 business days would be Tuesday,XX/XX/XXXX.

I still do not have the {$5000.00} in my account and it has caused a financial hardship on me. I know in the banking world, they have 48 hours to credit your money back. Why is Sallie Mae allowed to keep my money for 14 days and still counting? Who regulates them? Is this legal?
At XXXX XXXX request I am submitting documentation affirming the delinquency posted for this account incorrect and a has had a negative impact in my credit bureau postings. This demonstrates delinquencies in fact have been updated ON XXXX  report as of last XXXX for an account that has been paid off. This dropped my XXXX  score 36 points from XXXX to XXXX as documented in the attachment I am asking all credit bureaus be updated with the correct information as stated in XXXX XXXX Response to CFPB XXXX : Stating they sent the customer a letter advising that our records reflect the account charged off on XX/XX/14 and was settled for less than the full balance on XX/XX/14, which is the same information we are reporting to the credit reporting agencies. We request the customer provide us with a current copy of their XXXX credit report reflecting delinquencies in the past 12 months which has been pasted in to my attachment
My father XXXX XXXX XXXX entered into a mortgage with quicken loans in XX/XX/XXXX. In XX/XX/XXXX my father was admitted into XXXX care at home as the doctors said that he was terminal and all they could do is keep him comfortable. My father was put on XXXX, XXXX and other medicine to keep him comfortable. I was my fathers power of attorney. This loan happened while I was at work. My father was not supposed to sign his name while under the influence of XXXX and while under XXXX. He was XXXX and XXXX years old. His social was XXXX. His loan # with Quicken Loans was XXXX. The comps that was used for his home was not in our neighborhood and they were not comparable to his home. I had the house appraised in XX/XX/XXXX and the house appraised for {$230000.00}. I contacted quicken loans when my father passed away and told them he had passed and they told me that I could make the payments which were {$2300.00} per month, remodify the loan and get a lower payment, mind you keeping the {$300000.00}. I could n't do either of those, I ca n't afford {$300000.00} and the house was not worth this and I would n't have gotten a mortgage since the house was n't worth that amount. I decided to do a short sale on my fathers home. I was living with my father, my mother passed away, he was n't well and someone needed to help him with every day stuff. I tried to keep my dads house and quicken loans would not work with me. They had the house appraised inXX/XX/XXXXagain using comps that should not have been used. They used comps that had been totally renovated, my fathers house needed work. Someone purchased my fathers home for {$250000.00} and we settled XX/XX/XXXX. This was the house that I grew up in and should have been my home. When my father passed away, I heard of 3 other people that this happened to with Quicken Loans. I thought that people were protected from predotory loans. So sad that this happened to me and my father and all Qicken Loans did was call me and harass me about my fathers house. They would not let me buy his house on the short sale nor was anyone in my family aloud to purchase the house. Very sad how they operate. I tell anyone thinking to go with them what happened with my father and to not go with them.
Re case # XXXX/XXXX : I have been informed by CFPB that Wells Fargo Mortgage has requested another extension to address my complaint. This CFPB is totally unacceptable and inconsistent with your mandate to protect the consumer from mortgage related fraud. I have for the past three years asked Wells Fargo Mortgage to disclose, as required in any mortgage closing, the reason for attaching an amount of {$7800.00} to my modification. As you can see from my many complaints filed with CFPB this major mortgage lender -- who has been fined by the federal government for mortgage abuses -- continually stonewalls my and now your attempts to get the bare minimum disclosure on what an " unpaid principal balance '' is and what charges are contained in the amount. It was never explained, as I have noted several times to you and WFM, and now, again, they have requested an extension to " research '' the charge. If it is not readily available in their loan documents, and more important they ca n't explain what it is, then they should remove it from my statement and confirm with CFPB that this sort of activity is not a normal process in other modified mortgages nationwide. It is a serious issue when one of the largest lenders in the country ca n't disclose, explain or locate documents related to consumer mortgage modifications/refinancings. They likely utilized my mortgage under the omnibus federal settlement as an example of " keeping a qualified homeowner '' in their homes under HAMP. Enough is enough CFPB. Please require an immediate resolution to my complaint or fine Wells Fargo Mortgage for their continuing delay in responding to a very simple legal mortgage closing requirement. Thank you, XXXX XXXX.
On XX/XX/XXXX we were advised our Reverse Mortgage was sold to Champion Mortgage of XXXX, TX. We were advised monthly statements would be supplied by Champion Mortgage. On XX/XX/XXXX we sent a letter to Champion Mortgage requesting information on how to make re-payments to Champion Mortgage. As of XX/XX/XXXX we have NOT received any monthly statements nor any instructions as to how to make re-payments. Further we are advised Champion Mortgage is the subject of a class action lawsuit for increasing fees and charges on elderly reverse mortgage holders by ignoring their request and making unauthorized inspections without knowledge of the property owner.
Transunion has erroneously deleted my entire credit history and although Transunion has on several occasions said the matter would be resolved within 2-3 business days or 3-5 business days ( depending on which representative I spoke to ), the matter still is not resolved over one month later. I was pressured into purchasing their credit monitoring program which I continue to pay for although my credit score and credit history remains inaccurate over 30 days later. I was told to fax a copy of my license, social security card and utility bill and that the credit information would be immediately re-entered by the " special handling department/maintenance department '' no later than 2-3 business days. This was over two weeks ago! The last person I spoke with was the supervisor is said that although Transunion promises a quick resolution, the process of re-entering is a timely XXXX and that I just need to give them time. Unfortunately, I do not feel this response is adequate. It is disheartening to know that a company such as Transunion that is trusted with being the record keeper of such critical information is unable to accurately maintain said records. Their behavior is unconscionable, consumers are held at their mercy, our livelihood often depends on credit and unfortunately we do not have the ability to wait several months for Transunion to rectify their erroneous credit reporting. Any assistance in having my credit history accurately restored would be greatly appreciated.
XXXX. claims I owe them money. I never heard of this company nor have I ever done any business with them. They sent my fraudulent balance to collections ( Central Credit Services LLC ) and the collection agency wo n't speak with me regarding the fraud.
I am XXXX XXXX XXXX and do not have any debts. My cell phone number is XXXX, which I have had for 10 years. I get lots of calls from XXXX asking to speak to XXXX and saying my cell phone number is hers. On XXXX XXXX, 2017, I told them I was not XXXX, but they keep calling. They have called at least 7 more times. I am very busy at school and do not appreciate these harassing calls.
Hello I have a Fraud alert on my credit report and it was pulled by speedy cash. I NEVER authorized speedy cash to access my report. I tried calling but was disconnected from twice.
Remove this off my report please. I have not applied for credit.
Good afternoon, I was looking over my credit report last month and it 's been over 49 days that I have contacted Equifax and XXXX via USPS to inform them that there are several inquires on my credit report are NOT mine. I am very dissapointed that action had not been taken to remove these items.
I went to XXXX university in XXXX ca. I 've been paying my loan for almost 13-15 years and it 's taking a toll on my financial life and I did not gruaduate from XXXX university. When I decided to go back I was told after 5 years I would have to start over again and that was n't an option for me due to the loans would double now I 'm stuck paying this loan. I 've called navient and tried to at least decrease my payment they said no.
This company calls me several times a week. I tell them that the person they are looking for is my ex husband and that we have been divorced since 2011. They say they will remove me from their list, but then just call me from a different number. It is Northstar Location Services. Today they called me at my BUSINESS number and left a message that my ex husband had given them my contact information. They left their name and acted like they were a long lost friend trying to get in touch. No mention that they were trying to collect a debt. There is no way he would have given them my contact information. They will not leave me alone and have called my parents and my new husband. The icing on the cake was calling my business.
My FICO score had been rising steadily over the last two years due to my being quite responsible with the utilization of credit and immediately paying my credit card balance in full every month. A few months ago, my credit card company increased my credit limit. They did this WITHOUT asking me or getting my permission. Now because the ratio of my credit usage vs available credit has changed, the bureaus tanked my FICO by XXXX points! In other words, I 'm NOT in debt. I pay my balance in full and on time, but because my monthly charges are now XXXX % usage ( vs XXXX % ) against available credit, I get punished with a drop in my FICO? This is proof that the credit bureaus need to be investigated and sued. What they are doing is damaging to people NOT in debt. It 's almost as if they rather we accumulate massive debt, which makes no sense. PLEASE do something about this. Obviously their algorithm is broken.
Metro Collection Service, XXXX XXXX has called my landlord and her husband about my debt. I am unsure of what information XXXX XXXX of Metro Collection Service has gave to my landlord and her husband. Metro Collection Service has not contacted me directly via email, US Mail, phone or mobile. This is an offensive behavior and I am looking into laws that will demand that they stop harassing me in this manner.
I have contacted the company numerous of times to have the account information updated. That is still reporting incorrect and this is hurting my credit score. that dates should be updated from late to on time this is crazy that I have to keep going thru this with this company.They are not validating the account at all. They 're only verifying that the account is mine. The dates are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX please fix my account XXXX dont know what else to do.
I 'm being reported for having a credit card with target. My wife has the card and we are separated. I do n't use the card because I live in XXXX Georgia and she lives in XXXX Georgia. I do n't have a target card and every time i check my credit report, because she 's use the card it 's damaging my credit. I would like it removed please
I was behind on my car payment. Today is XXXX XXXX. My last payment was XXXX XXXX. The balance I now have due is about {$970.00}. This past Thursday my vehicle was repossessed. I keep attempting to contact American Credit Acceptance but the company is not responding. The number I was given to contact them is ( XXXX ) XXXX. I have very expensive items in my vehicle because I listed them online to sell them in efforts to raise money for the remaining balance. If nothing else I need my belongings out of the vehicle. Please help.