WillisBack/dataset-financial-user-claim huggingface dataset:
I have been applying for a home loan and going for a XXXX loan. The bank continues to state Equifax is surprising my information. I have called 6 times over the past two weeks and they indicate there is no problem with my account and no hold or freeze in place. The bank continues to state there is a hold. I am not sure how I can correct the problem. When I call in I get someone from the XXXX and I can not understand them so I am not sure if they understand what I need.
On XX/XX/XXXX I mailed to Experian a letter that I was requesting verification of negative items shown on my credit report. I received no valid response from Experian as the response they provided, did not have Written proof directly from a person at the source, pursuant to 15 USC Section 611 ( i ) ( 7 ) Section ( 6 ) ( I ) ( iii ) of FCRA. 

On XX/XX/XXXX I mailed a second request to Experian that I was re-opening the investigation and that I was requesting proof of verification of each item listed on the document. By proof, Experian was to provide ORIGINAL SIGNED CONTRACT/AGREEMENT WITH WET INK SIGNATURE from Alleged creditor as only legitimate proof over verification. Experian failed to provide this proof, but responded that items were verified. 

On XX/XX/XXXX I mailed to Experian Third written request & Final Warning requesting verification of negative items shown on my credit report and to identify with whom did they verify the alleged debt and what proof was given verify the alleged debt. 

As of today, I have not received a valid response from experian.
They mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Navy Federal Credit Union attempted to get my loan refinance by offering a 'Rate Match Guarantee. ' They then delayed and delayed the process to ensure my other bank rate would expire and then surreptitiously voided the deal they had with me. They had a criminally bad appraisal of my home done ( coming in over {$100000.00} lower than other appraisals ) and then told me they would use the appraisal of a different bank. After sufficent time passed for the rate I had from the other bank to expire, Navy Federal changed positions and insisted they could not use the appraisal of another bank but encouraged me to reapply for a loan at a much higher rate. This caused me to lose substantial rate savings and hurt my credit through multiple hard inquires.
A pre-authorized check was written by my bank from my Interest Checking account to a closed, overdrawn account from the same bank without any prior notification that the account had been closed or that a specific amount would be taken out of my active account as payment or the closed account on XXXX XXXX, 2015.
This was paid in full at the settlement amount listed, to the collection agency. The {$110.00} was promised to be cleared from the account because it was an error in billing. They did not clear it as promised and need to. This account is a {$0.00} balance.
Experian and XXXX XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.
CMS purchased my loan from XXXX in XX/XX/XXXX. 
CMS did not give correctly tabulate my escrow account. 
They raised my mortgage payment by $ 65.00+ in XX/XX/XXXX I called them and tried to advise them of their error. 
They insisted there was no error and refused to make a correction. 
In XX/XX/XXXX they completed an escrow analysis, and again, they did n't tabulate my escrow account correctly. 
I should have an $ 1,075.00+ surplus. 
CMS incorrectly calculated my surplus to be {$10.00}. 
I reviewed their analysis and noted they paid my USDA annual fee amounting {$1200.00} twice by mistake. 
I asked them why and they said its because it was never paid in XX/XX/XXXX. 
I obtained my last escrow statement from XXXX which clearly shows they paid {$1200.00} in XX/XX/XXXX. 
CMS refuses to acknowledge their mistake and refuses to refund my money. 
I have included objective supporting documentation to corroborate my contentions.
I was contacted twice by State Collection Service about two accounts that were outstanding. For one they wanted to talk to my XXXX yr old daughter about the debt as they had put it into her name instead of myself ( her mother ) or her father. Second when I tried to get more information on them they said to take it up with XXXX XXXX about the bill. I had contacted XXXX XXXX and they have NO bill for us. When I went onto State Collection Online to see about these accounts to pay if it is there, even their site states they have no account for us. This is an amount for only {$31.00} but I have no paperwork nor anything from this company about these accounts. I have tried to talk to XXXX XXXX XXXX about getting more information but they refuse to talk to me as I am not my daughter. I 'm not going to put my XXXX yr old daughter on the phone to talk to someone about this.
In XX/XX/XXXX of 2017 a XXXX XXXX XXXX I cosigner for was totaled. After insurance paid there portion XXXX XXXX still had a XXXX balance. But she this car was purchased directly from.XXXX we also purchased gap insurance. Which covers the difference between what is owed and what insurance paid for. XXXX XXXX has reported this account 120 delinquent and has now labeled it as a collection account and a chargenoff for there company which is highly inaaccurate.
I paid off a balance in XXXX, but because I had n't paid off the previous month 's balance I was charged {$13.00} in interest. I would have paid that - if I 'd known about it, but I never got a bill. I did n't get a bill in XXXX either, when they had XXXX the interest and slapped on a fee. I did n't know about the ever increasing fee until I got a call yesterday about my late payment and went online to see it was up to over {$50.00}. I was shocked. I called the call center and I tried to explain that I never got a bill. She tried to say they were sent electronically - nope, I signed up yesterday when I logged in. Then she said that they were mailed and asked if I moved. Nope - not that either. She did n't bother to validate my address just said it must be a post office issue. She knocked all but {$15.00} off but I explainted that I thought for sure this happend to me once before with them, so there is a pattern. I get all of my other bills, not sure why theirs are a problem.
I am a victim of identity theft. MY Bank of America account # XXXX is not mine. It is only reporting on XXXX credit bureau. I have attached. a copy of the documents I sent to XXXX and they have yet to fix the issue. I need assistance ASAP please so I can refinance my home. Thank you in advance for your help. 


XXXX XXXX
I was charged a late fee when my due date is the XXXX of the month, there is a grace period after that but I was charged a late fee well before payment is due. My original due date was the tenth, it is now the XXXX and do not see why I should get a late payment fee. I '' ve attempted to call in to BMW Financial but they are never open when calling, I need to clarify why the late fee was charged and to adjust a payment I made, the date needs to be changed. However, I first need to clarify the due date is now the XXXX so the account does not go thirty days late.
I now have over twenty five hard inquiries on my 3 major bureau credit report. I didn't apply for all of these lines of credit. I applied at three car dealerships. Only they have my applications and authorization signatures. I think that when I started applying, some form of identity theft began and others began to apply to. XXXX XXXX informed me that I may have been exposed to two different data breaches. I wrote XXXX, Experian and XXXX to get these inquires removed and they are refusing to help. Please assist.
Property management company billed me for a cleaning fee after I moved out of the residence. I never was presented with any documentation indicating that I owed a cleaning fee. The debt has been sent to collections for a debt I do not owe. There is now a derogatory entry on my credit report which is an error.
Back in XXXX I was XXXX years old and remember being very diligent about my finances and accruing student debts. I applied for as many scholarships and grants that I could qualify for with the hope of receiving as much financial assistance that I could to utilize towards furthering my education. In XXXX I enrolled in the University XXXX XXXX XXXX where I finished my XXXX XXXX. I did this because while attending that school the tuition was roughly half that of the main campus at the University XXXX XXXX. I did all of these laborious tasks to cut down my costs for higher education. After receiving my XXXX  degree and not being able to afford to repay my student loans, I called your organization to hear my options and ask for assistance. I signed up for the deferment plan versus an income based repayment plan because the representatives stated that deferment would be the best option for me based on my financial situation. I feel as though I was mislead by not being advised to utilize the income based repayment plan, which would have been the best option so that I would not have had to use finite loan deferment time while also accruing more interest on the loans. 

Once I graduated with my XXXX degree, I realized that I couldnt afford to repay my student loans even though I was working two part time jobs. Around XXXX I was finally advised by your representatives to enter an income based repayment plan. In XXXX, I moved to XXXX XXXX, CA and it took me roughly 4 years to gain employment where I could finally afford certain necessities such as health insurance and a 401k account. Less than a year into that position, I am now required to pay student loans that I simply can not afford. The cost of living in XXXX XXXX is almost 50 % higher than the national average and in order to live in accordance with societal expectations, one must budget accordingly. The monthly payment estimator on your website states that in the current program that Im enrolled in, I will owe $ XXXX/month. That is upwards of 20 % of my take home income. The estimator does not take into consideration the cost of living expenses for residing in a more costly city like XXXX XXXX, which makes it more difficult to save towards any future goals, such as buying a home or saving for retirement.
I have been an XXXX customer since it acquired XXXX XXXX in late XX/XX/XXXX 's. I have had the same cel phone number since XX/XX/XXXX. I have added lines since then for my family and business. I have always paid the bill, never had the service cut and have always worked through issues or discrepancies with the company. Somehow, XXXX claims there is a XXXX balance from several years ago. Keep in mind my monthly cel phone bill averages over {$500.00} a month. I called XXXX and disputed the charge. I was under the impression that the matter was resolved and that it was an accounting error or misapplication when the account was reassigned to a new representative and switched to a business account. At some point I was contacted by a collection agencies and explained this and the matter was not reported to my credit report. I disputed and assumed my dispute was communicated back to XXXX who verified my position and I never heard back from that agency. Then several months later I was contacted by Diversified with the same claim. I disputed it. Then they reported it as in collections. I contacted Diversified and they said they verified the debt with XXXX. They never presented documentation that I owe this or that XXXX did in fact verify something that I had understood to be resolved in my favor. Now this mark is listed as in collection and is impacting my otherwise very good credit score.
I have filed several disputes with the all XXXX of the CRA 's and have also disputed directly with XXXX XXXX XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and view it as unethical and perhaps this is not the first time this has occurred with this company. All XXXX credit bureaus report a different age of these accounts.
On : Monday XX/XX/2018, I called Equifax to see if they can remove a Phone Number that I don't recognize on my Credit File with them dated on : XX/XX/2018, and update it with my Current Phone Number where my Current Address is with them on my Credit File dated on : XX/XX/2018 by : Equifax. Equifax couldn't don't do it! Because I needed to contact XXXX  on it!, but : Navient has my Current Phone Number on their Records already!
I was supposed to receive my closing documents from Bank of America to review at least 3 days prior to closing. I made numerous attempts to get these from the bank and my requests went unanswered. I contacted the closing company and found that their documents had been " approved '' by the bank, but I had no idea if they were accurate. The closing company sent mine to me so I could get the cashiers check for closing. No one from the bank ever reviewed the documents with me even after more requests. I did receive the documents the day after closing.
I have reach out to Experian about an address that appears on my credit file that should have been DELETED because i nevered lived there. 

THE only Two address that should be on my credit report is XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX THE ONLY ADDRESS IN ERROR AND SHOULD BE DELETED SHOULD BE XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
On XX/XX/2018, I sent a letter to XXXX XXXX to have my address updated to my current home, I have asked the company to send me there verification paperwork as to all collection accounts on my credit report and continue not to receive anything from them. If no accurate verification paperwork is presented where I signed please have it deleted off my report. I have asked this for the past seven months and Experian continues to neglect my wishes and keep reporting inaccurate information. XXXX  in less that thirty days complied and with verification deleted every item reported wrongfully on my credit report. AlI I ask is for XXXX XXXX to do the same, evidence will be attached. I can not establish any new credit with all the inaccuracies on my credit report.
To Whom It May Concern :  XXXX   XXXX  ,  XXXX  of  XXXX   XXXX , NJ has been harassing me over unpaid credit card debt for years. Initially, I began to receive a collection letter or phone call once every few weeks ( the calls were always received on my mobile phone, which was and remains on the do not call list ). I notified them with the use of form language found through the CFPB that they were not to contact me going forward. However, the calls started arriving half a dozen times a day from different numbers and area codes. A representative of  XXXX   XXXX   ,   XXXX  called my workplace and repetitively asserted to the receptionist that he had to speak to me because of outstanding debt and legal problems. He told her that if I was not pulled out of the meeting to answer his questions, the police would arrive to arrest me. This was, needless, to say, humiliating.     Then my f ather (   XXXX   XXXX   XXXX   ), an   XXXX  in  XXXX   XXXX , Florida who is more than   XXXX   XXXX   older than I am received a call from  XXXX   XXXX   ,   XXXX , but before they could reach him ( he was  XX/XX/XXXX  ), the representative made a point of characterizing my father ( who I 'm assuming he thought was me ) as a criminal, etc. to his office staff. My father had no idea what any of this was all about, and after panicking, he assumed it was some sort of strange extortion attempt. He told me about it later that day, and I asked him for the incoming number. Sure enough it was  XXXX   XXXX   ,   XXXX .     Several weeks later, my mother receives a call on her cell phone alerting her that her son had done something very, very bad, but that they were not at liberty to discuss it or identify themselves. I 've never seen her so rattled in my entire life. She thought I had committed a heinous crime or was involved with organized crime or something of the like.     Now for the straw that broke the camel 's back : I examine my credit card statement, and without my knowledge or consent,  XXXX   XXXX   ,   XXXX  has begun charging my new   XXXX   XXXX   credit card, for what I can only assume is money they assume to be theirs, though I have disputed that assertion in various venues for years. ( see attached screensho ts ). These  disputes have not led to any determination of responsibility. In short,  XXXX   XXXX   ,   XXXX  violated basic debt collection regulations, humiliated me at work and with my family, and then stole from me.
This is a complaint against PNC credit card of business, the department of fraud has frozen my credit card in without warning me because there was a purchase from an account that was closed. I talked to the executive and i made my own research and I want to say that I did n't do those purchases. The executive has accused me of doing theses acts that i did n't do. I am a good customer to this bank and the last thing I want is problems with my credit card. I want to say that none of these purchases were made by me.
Hello, I received a notification from XXXX XXXX that new info was added to my credit reports. I looked at the info and a company named Stellar Recovery IncXXXX had placed an collection for an alleged debt of {$300.00}. This was on XXXX XXXX XXXX. I had not received a XXXX XXXX, phone contact or any other form of contact from this company. I had no opportunity to dispute or validate this alleged debt before being placed on my reports which caused an significant decrease in my credit scores.
I have been sending letters to Equifax for months now and I have repeated myself over and over again. I am extremely concerned about the actions Equifax is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX/XXXX XXXX, XXXX   XXXX XXXX, Chapter XXXX Bankruptcy Discharged XXXX
XXXX XXXX  is erroneously reporting on all 3 of my credit reports and this account is not mine.
Credit card from Bank of America was lost and used by someone to purchase items at stores. Bank of America denied my fraud claim twice because the card was used at the location on XX/XX/XXXX and XX/XX/XXXX which of course it was when I explained I had lost the card. Been a customer of theirs for many years and have never had any fraud claims filed and the first time I need their guarantee because someone else used my card they wont stand by their customer.
Equifax has verified / updated informationn on XXXX credit report pertaining to multiple inaccurate late payments after account was charged off closed. I have sent portion of XXXX credit report. 
Inaccurate information has been verified / updated. 
The creditor states that Equifax is responsible for the inaccurate differences which should all be deleted. 
Inaccurate and injurious on my credit report.
On XX/XX/XXXX Chase credit card company mailed me a check that i can deposit to my bank with 12 or 18 month, until yesterday, i login in to my account and realize that chase credit card company charged me {$20.00} balance transfer interest. Every month, chase notify me by email when monthly payment due day and also notify me due day before 5 days and i do n't know why chase did not notify me when the balance transfer interest will start on XX/XX/XXXX. I called them up last night and i was told by them that there has a message on the last page of the statement ( total XXXX pages on the statement ), there total XXXX pages at statement and it 's small words on the last page that told the balance transfer will expired on XX/XX/XXXX. If they can notify me through email that my monthly will due in 5 days and why should n't they notify me by e-mail that my balance transfer interest will expire on XX/XX/XXXX. This is very tricky and chase credit card has to stop doing this. I have no problem to pay this {$20.00} interest but they have to stop doing this way as it 's affect so many people. if they notify me earlier and i can pay off that amount before interest expired.
Dpt Treasury Closed ReportedXX/XX/XXXX XXXX XXXX Closed ReportedXX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Diversified {$340.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$390.00} OpenedXX/XX/XXXX XXXX XXXX {$640.00} Opened XX/XX/XXXX
FedLoan Servicing is reporting inaccurate information on my credit report and I am requesting the " original signed contracts '' for the loans that FedLoan Servicing is reporting on my credit report. If FedLoan Servicing can not provide that information, please remove all negative reportings from my credit report. I sent a certified letter to FedLoan Servicing in regards to this issue but have yet to receive a response.
FedLoan Servicing XXXX XXXX XXXX XXXX, PA XXXX  This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. Please send me copies of the documents ( " Original Signed Documents '' ) that you have in your files as of this date that you used to verify the accuracy of the account listed below.
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Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting to the Credit Bureaus. Please dont respond to my request by saying that the account is accurate and have been verified. Send me copies ( " Original Signed Documents '' ) that you have in your files that were used to verify the reported item. If you do not have any documentation in your files to verify the accuracy of this disputed account then please remove any negative reportings from my credit report immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By reporting this inaccurate and unverified item on my credit report and you are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681i, Unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account listed below within 30 days of receipt of this letter then you must remove this account from my credit report.
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I demand the following account be properly verified or removed immediately.
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NameofAccount : Date Reported : ProvidePhysicalProofofVerification : FedLoan Servicing {$46000.00} XXXX XXXX, 2011 Unverified Account