WillisBack/dataset-financial-user-claim huggingface dataset:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX  and XXXX  have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never late INQUIRIES XXXX XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX  XXXX not mine
I have previously submitted a certified letter on XXXX XXXX XXXX which was received and signed for on XXXX XXXX XXXX requesting that a dispute be initiated for a XXXX # XXXX account which is reporting inaccurate information on my Credit Report. The following is a list of inaccurate, incomplete or erroneous information still contained in XXXX XXXX # XXXX account after the dispute. No payment history in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The account states term XXXX 89 months and 99 months reviewed two conflicting terms.
I submitted an online dispute to Experian to address some discrepancies I found on my report. They responded on XXXX XXXX, 2015 with information to log-in to retrieve the results of their investigation within 4 days. I have been attempting to log in via the link they provided with my report number they provided and all I receive is a system error and a message to try again later. This has been an ongoing issue with Experian and the only option they have given me ( that I can tell ) for receiving my dispute results is via the online link.
On XX/XX/XXXX, I reported a hit and run to the XXXX XXXX ( XXXX ), policy number. The accident occurred while my car was parked at the trailhead in XXXX XXXX, OR. I was not present this, the accident was ruled at no fault to me. 

On XX/XX/XXXX, I contacted XXXX XXXX for an auto insurance quote. XXXX XXXX provide a quote based on what they claim is a listing on Lexis Nexus of an at fault accident occurring on XX/XX/XXXX. I contacted the XXXX XXXX XXXX demanding to know why the accident was reported as my fault. Supervisor XXXX stated Lexis Nexus is misreporting as I have no at fault accidents in my driving history. 

Not only is Lexus Nexus misreporting the accident, they list over a dozen aka fir ne and an address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. I have never used aka or this address. I contacted my creditors and none have reported this address. Lexis Nexus is allegedly committing fraud. 

I was a victim of identity theft. I was arrested for this woman 's warrant as she used my driver 's license during an arrest which merged our data. Fingerprints were compared an I was released on the warrant as mistaken identity. Lexis Nexus has dozens of arrests that do not belong to me. XXXX, XXXX, XXXX. They report 22 aliases which are not mine. 85 % respectively, of their profile regarding my life is alleged fraud. 

I have sent dozens of letters to Lexis Nexus demanding correction of the false data, to no avail.
A company calling themselves 'National Credit Adjusters ' has made seven calls ( and counting ) in one day to me, XX/XX/2016 all from my local area code of XXXX. This is spoofing, which I know is against the law and though they are not leaving a message only one number rang back to them which was listed as XXXX.
I wanted to get foreign currency before a honeymoon trip from my bank Chase. The receipt did not provide insight into the amount -- in terms of fees and other costs -- that Chase was charging for the transaction. I requested {$350.00} USD in foreign currency. When I received the money I was surprised to realize that I was only getting about {$300.00} in the local currency. Chase pocketed approximately {$50.00} USD in fees! This was not a rush transaction, nor was there any special request. I asked why the fees they were charging were not clear. They said there was no way for them to do so. When I realized how much they were charging after the fact, I asked to cancel the transaction only to be told that I could not reverse the transaction without paying additional fees. I found this outrageous.
Carrington Mortgage has been nothing but a headache since my loan was transferred to them. I always make my payments within a 30 day time frame of when it 's due and some payments will post to my account the same day and other payments will post 11 days after the payment was made. This has caused a huge conflict with the way they are reporting the account on my credit report. All XXXX bureaus are showing totally different payment history. Each time I make a payment I draw a house on my calendar so that I can keep up with when the payments were made etc. I get confirmation numbers but the confirmation numbers never match what they have and they argue and refuse to fix the problem. The following months they have marked me late on my credit file and that is not the case. XXXX 2015, XXXX 2015, XXXX 2015, XXXX 2015, XXXX 2015 and never was I 30 days late for any of these payments. I will attach my calendar to show you the dates the payments were made compared to when they posted them as well as a chart I typed up showing the differences in how long it 's taking them to post my payments. This is rediculus and I 've had enough of it. I do n't understand how these mortgage companies continue to get sued but continue to XXXX the laws and get away with it. The mortgage payment is due on the XXXX of each month. XXXX was paid on the XXXX and only took them 1 day to post the payment, XXXX was paid on the XXXX which was a monday but it took them 3 days to post to my account, XXXX was paid on the XXXX and they posted it to my account the same day, XXXX was paid on the XXXX and it took them 11 days to post to my account, XXXX was paid on the XXXX and it took them 3 days to post the payment to my account, XXXX was paid on the XXXX and it took them 6 days to post the payment to my account and XXXX was paid on the XXXX and it took them 11 days to post to my account. Never have I paid 30 days late and there is a huge window as to when they wan to post payments.
My mortgage was sold to Carrington Mortgage Services ( XXXX ) by XXXX. I had never heard of XXXX before. I had only received XXXX piece of mail from XXXX, and my payment was coming due, so I called XXXX to determine how to pay my bill and if it would be automatically drafted as it was at XXXX. They said the auto payments would NOT continue and I could n't set it up online and that I would have to fill out a form to authorize XXXX to pull the money on a recurring schedule. I made XXXX XXXX time online payments for XX/XX/XXXX and XX/XX/XXXX. Right after I made the XX/XX/XXXX payment on XX/XX/XXXX, I got a notice in the mail that they were going to auto-draft my payment on XX/XX/XXXX. I called them and asked them to cancel this, since I already made a payment. Also, I never sent in the form to authorize payments, but they said XXXX had sent the info to them ( is this LEGAL?!? ). The lady said she would cancel it as all they needed was XXXX business days to cancel it. Well, on XX/XX/XXXX, the payment was pulled from my bank account. I called them and asked them to refund my money immediately. They said it would take up to XXXX business days. I asked to speak to a supervisor, and I was transferred to a " senior specialist ''. I asked him if he was a supervisor and he said no. After speaking with him for a few minutes, I had to ask for a supervisor as this " senior specialist '' could not give me hardly any new information than the previous rep. 

I FINALLY spoke with a supervisor named XXXX ( ID XXXX ). She informed me that I am XXXX of XXXX clients who made double payments ( when in reality, I made XXXX payment, and they essentially stole money from my bank account without my permission ). She also mentioned that they " do this all the time '' ( meaning they buy mortgages ). It 's hard to believe they do this all the time, yet have no clue how to service these clients or accounts. This is a MAJOR error on their part. 

She said that she has to tell me it could take up to XXXX business days but will likely be less. I told her I work in the financial services industry and a standard ACH takes no more than XXXX business days. She said because they have to use an outside bank, it takes longer, but that my request has been expedited. And still with it being expedited, she could only give me a 15 day timeline. 

The customer service was terrible. They gave me wrong information on XXXX occasions - a. They told me my payment would not be auto-drafted b. They said they would cancel the auto-draft since I made a manual payment based on their previous information. 

It 's a shame they are stealing money from people right before XXXX.
Our lease was up with XXXX XXXX and we were finishing the final stages. According to the reports XXXX XXXX sent me personally : on XX/XX/XXXX we paid a payment of XXXX which XXXX told us was left owed as a deficit. That shows on the statement as bringing it to XXXX balance. On XX/XX/XXXX the bike was returned and it shows XXXX balance. It does not show a balance again until XX/XX/XXXX. Thats when I was sent a letter regarding an amount of XXXX and given till XXXX to review and call in and it has no actual due date. It also states on the letter that it had already been reported to our credit bureaus. On XX/XX/XXXX the bike was sold for more than assumed and it cancelled some of that balance leaving XXXX. And this is the first date this amount was shown. On XX/XX/XXXX my credit was reported 30 days past due with a past due balance of XXXX ( not even a balance on the statement ) which is only 10 days from the day the charges were added. It dropped my credit score 114 points XXXX says our account remained open and thats why it was reported past due, there was no balance to pay or report until XX/XX/XXXX and reported it over 30 days late 10 days later. Customer Service continues to tell me they will show the account paid/closed. That does not take this fraudulent past due report off and it will remain for 7 years. I have made that clear to her and explained that is not how credit works. She has ignored my requests for a credit contact and gives me the run around with reporting it PAID/ CLOSED. It is paid and closed I also want that incorrect past due off my credit. As of XX/XX/XXXX there was XXXX balance again. I have filed with the XXXX also and they responded with the exact statement XXXX, which says I was never 30 days late but that is what was put on my credit report. It has dropped my credit 114 points and will affect us buying a house if not removed!
I attempted to create a dispute with XXXX about an auto loan after my credit score dropped 80 points on an account that I am the cosigner of. After several attempts to make a dispute through their website all I could achieve was a statement that they couldn't verify my identity even after receiving a conformation that they had identified my account. It seems to me that they simply did not want to process any request. As I was looking to buy a house at the time the sudden drop of my credit has put finding a home in jeopardy.
I have been working with bank of america to prevent them from foreclosing on my home. Most recently I submitted modification documents they requested to prevent my home from being sold XXXX XXXX, 2017. I also submitted my information to the " Independent Foreclosure Review '' in which they determined Bank of America was in fault in the manner in which they moved my home into foreclosure. The IFR stated that consumer credit would not be affected and the fees that were accessed against the mortgage would be removed however, the fees were kept in the modification and Bank of America stated that they are entitled to recoup and I disagree. I owe approximately XXXX on my home however the modification added approximately XXXX. I have never received assistance from a homesave program and I was told I made too little money or I made to much. I am working full time now and I have a part time job as well. Please request IFR to provide the list of benefits it offered to the consumers and that Bank of America not be allowed to double my mortgage debt in using predatory practices. Previous Case number Case number : XXXX
I never received the final damage assessment bill from Kia Motor Finance ( KMF ) for my returned lease on a XXXX Kia XXXX -- the damage was assessed in XX/XX/XXXX. I never received the bill, despite KMF having the correct phone number, email address, and mailing address on file for a second vehicle I leased from KMF in XX/XX/XXXX ( note : the same phone number and email address were also on file for my XXXX lease ). Since I was never notified of or received the damage assessment bill, I had no ability to pay the bill - causing me to go delinquent on the {$330.00} amount. 

In XX/XX/XXXX, I noticed my credit score had dropped 50+ points. After some digging, I finally discovered the delinquent KMF bill and paid it off right away via the KMF phone line. I believe the delinquency on the bill is KMF / the Kia dealership 's fault and should not be reflected on my credit report. 

I've disputed this issue directly with KMF via mail twice ( XX/XX/XXXX & XX/XX/XXXX ), since they do not have a phone or email to help resolve customer credit disputes. Both times, I received a letter in response stating my dispute is invalid and that " the disputed information is accurate as reported ''. 

I've also attached a document that goes into more detail on the situation and also includes : both credit disputes I mailed to KMF and screenshots of my contact information for the XXXX & XXXX leases.
I applied for a XXXX XXXX card with First Bank of Omaha for XXXX XXXX. There was a XXXX charge. I moved and told the agent to put the account on auto pay. It was not setup and the XXXX charge turned into a 30 day late payment on my credit report. I have all my accounts on autopay for this problem. It is crazy they are reporting a XXXX payment 30 days late. I have paid the account off. they reversed the late fee. but they are taking their time reversing the late payment. I am now having a hard time getting a house loan for a XXXX fee that was on my card.
On XXXX XXXX, XXXX I refinanced my mortgage with Option One Mortgage Company in the amount of XXXX. Option One Mortgage became a defunct entity in the state of North Carolina in XXXX. On XXXX XXXX, XXXX I received a notice of foreclosure of deed of trust from XXXX XXXX. This notice stated that the present holder of the deed of trust is XXXX XXXX Bank XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX. There was no note attached to notice of hearing. On XX/XX/XXXX months after the notice of foreclosure an assignment of the mortgage from Option One Mortgage Corporation ( a defunct entity ) was assigned to XXXX XXXX Bank XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX. Although XXXX XXXX and XXXX require the servicing company to send a pre-foreclosure notice and notice information, the servicing company did not provide the notice before accelerating the loan on behalf of XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX before become the alleged holder of the note on XXXX XXXX, XXXX according the assignment recorded in the XXXX XXXX XXXX of deeds on XXXX XXXX, XXXX. The deed of trust signed by myself and my spouse clearly states that notice would be sent before the acceleration of the debt. The servicing company is attempting to have the property sold on Tuesday XXXX XXXX at XXXX when it knows that the 45 day pre-foreclosure/acceleration letter was not mailed as required by NC law.
On XX/XX/2014 I received a letter from Care Credit. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action.
Approximately 2 years ago I contacted XXXX XXXX XXXX ( XXXX ) to settle XXXX large debts I had with a couple of credit card companies. We arranged an amount of money to be drafted to them once a month - and when there were enough funds they would negotiate a settlement with the companies. Everything was fine with XXXX of the companies - a settlement was reached in XXXX XXXX. The other - Bank of America ( FIA card services as it was then XXXX ) - was a different matter. I waited another year and when I thought I had enough funds in my account began to call them about the other settlement. It was then I found out that they used a different company - XXXX XXXX XXXX - to negotiate the settlement ( although XXXX held my money ). I was given a gentleman called XXXX XXXX at XXXX as my negotiator. From then on - despite numerous telephone calls and emails from me, nothing was done, even though they continued to deduct my monthly payment. It was not until recently ( XXXX XXXX, XXXX ) that XXXX ( XXXX ) admitted that since XXXX they were no longer authorized to negotiate with B of A, and he suggested that I call them and try to negotiate a settlement. I explained that if that had been my intent in the XXXX place, why would I have needed them at all. I expressed my desire to have all my funds returned to me immediately, and I would try to deal with it myself. That is when I was also told that they did n't have my funds - XXXX did. I contacted XXXX by email and telephone, however, the " Customer Service Reps '' were extremely rude - talking over me as I tried to explain my problem and even hanging up on me! I finally managed to contact a supervisor ( XXXX ) who was very helpful and returned my funds ( {$7500.00} ), but I felt I was owed more than that given the length of time it had taken for this to happen ( a year and a half ), the amount of time and energy I had invested in getting to the truth, the fact that they did not put the money in some sort of interest bearing account, the appalling behavior of the customer service reps at both companies and the continual misinformation I was given. And I STILL have not resolved my debt to B of A. Please help!
We received a XX/XX/XXXX XXXX from XXXX XXXX XXXX. for an account that was " settled in full in XX/XX/XXXX '' for an old account. XXXX has stated they sent this form into the IRS and we will need to claim it as income for XX/XX/XXXX. Since the Fair Credit Reporting Act states I need only keep this information for 7 years I no longer have the settlement in full agreement. We have Never had an acct with XXXX
XXXX made an error in reporting amount owed All XXXX bureaus have not updated the info
ACCT ending in XXXX Around XX/XX/XXXX I had claimed fraudulent transactions on my old Schwab account that was no longer being maintaind actively by me. Schwab falsely concluded that the transactions were not fraudulent and reported " account abuse '' through XXXX without any explanation as to how they concluded the investigation. " XXXX '' from your Schwab Bank customer service line called me on XX/XX/XXXX and after a 68 minute phone call the conclusion was " You have to call XXXX XXXX to report the account as fraudulent ( even though it was XXXX year ago and has since been closed ) and you owe Schwab as the charges are not fraudulent. '' The conclusion was incoherent and did not corroborate with the " account abuse '' remark on my XXXX report. 

XXXX was disputed back in XXXX and concluded as valid by Schwab. Again, I submitted multiple pieces of documentation proving that the transactions taking place in the account were fraudulent.

I have been an excellent customer of Schwab since XXXX and this type of treatment during a time of identity theft is unwarranted.
My home mortgage has been serviced by Loan Depot, and I was paying each month by automatic bank transfer.

Yesterday ( XX/XX/XXXX ) I received a mortgage statement in the mail from a new company, XXXX XXXX XXXX, indicating that I was already late on a payment. It seems that Loan Depot sold them my mortgage without my notification. Calling Loan Depot, I found that they had sold my loan only 15 days before the new mortgage was due at XXXX XXXX XXXX.

Upon further investigation, I found that Loan Depot had cancelled my automatic payment without my prior knowledge or authorization. As a result, I am delinquent on 1 month of mortgage payment without any fault of my own.

I have the following complaints : 1. Loan Depot canceled my automatic bill payment without notifying me, thus making me delinquent on a payment without my knowledge.

2. Loan Depot sold my mortgage without providing 30 days notice of the effective date of transfer. ( From my discussion with XXXX, a Loan Depot representative, their records indicate only 15 days notice, occurring XX/XX/XXXX ) 3. Loan Depot did not inform me of this change, as I did not receive a notification letter.

4. Loan Depot has an automatic phone system that will not allow me to call them to speak to a representative. The system recognizes my phone number, informs me that the account has been transferred, and hangs up. In order to speak to them, I had to use someone else 's telephone. This is just one example of extremely negligent customer service.
I 'm writing because I fell victim to a scam and my bank, CHASE bank, did nothing to protect me. I 've been a loyal customer for decades, no criminal record, and great credit ratings. I 'm a mother of XXXX and have realized that I need to get back into the work force to help my family. I began a job search ( online ) and received a job offer from XXXX. This job offer was not legit and ended up scamming me where I lost all my funds. My complaint is that Chase bank and their employees did nothing to stop it from happening. They heard my story on why I pulled out money and am now requesting a money order. They reviewed the account my " boss '' provided me and said it was okay to proceed. They, in the big picture, helped me hand my money over to the criminals. And after the fact, once I realized I was scammed, they did nothing to help make me whole again. They further ridiculed me and blamed me for falling victim. They have left my account in a negative standing without advising that I need to freeze it to further any additional fees from accruing. They then restricted my spouses personal and business accounts and advised they can not tell him why, it 's their policy. THIS IS NOT RIGHT! Not only has Chase tried to make me, the victim, look like the criminal but NOW they 've taken away my families livelihood. They made the mistake by not stopping the purchase of the money order. They made the mistake by not assisting their long time, good standing, customer with stopping the check from getting into the criminals hands. They made the mistake by not doing anything to help their customer get out of a horrible situation ; they 've actually made it worse.